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Dikejar debt collector untuk tuntutan hutang bagi pinjaman pada tahun 2006/2007 yang telah pun mencecah 200k++

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asked on Feb 20, 2021 at 13:33
by  
Aslmkm / Salam sejahtera

Mohon nasihat dan pandangan dari pihak tuan.
Saya telah dihubungi oleh sebuah syarikat debt collector yang memaklumkan bahawa mereka ada maklumat hutang yang telah dijual kepada mereka oleh sebuah bank tempatan. Maklumat hutang tersebut adalah

- Hutang untuk 2 kad kredit untuk tahun 2006 dan 2007 dengan hutang terkumpul bagi kedua-dua CC tersebut sekarang adalah rm 170 K ++. Bayaran terakhir saya lakukan untuk kedua-dua kad ini adalah pada tahun 2008
- Hutang kereta waja (telah ditarik dan di lelong pada tahun 2007) yang sekarang berjumlah rm 40 k++

Jumlah hutang : rm 210k++

Status sekarang adalah debt collector ini kerap menghubungi saya di tempat kerja dan malah telah pun datang ke tempat kerja saya untuk berjumpa berkenaan hutang-hutang ini terutamanya jika saya tidak mengangkat panggilan mereka . Ini telah menyebabkan pekerja-pekerja lain di tempat kerja saya merungut berkenaan situasi ini. Saya telah pun menghubungi mereka memberitahu supaya jangan lagi menghubungi saya atau datang ke tempat kerja saya tetapi mereka juga memaklumkan bahawa saya pun perlu juga lakukan pembayaran tehadap hutang ini semua jika ingin isu ini diselesaikan. Saya kemudian mengarahkan mereka untuk menghantar ke email saya semua maklumat terperinci berkaitan hutang - hutang tersebut untuk tujuan rujukan saya sebelum saya membuat sebarang keputusan. Mohon nasihat pihak tuan berkenaan

1. Perlukah saya membayar hutang-hutang CC dan kereta ini semua  memandangkan ianya telah pun melebihi 6 tahun dari tahun terakhir saya lakukan pembayaran  berpandukan akta had masa 1953 ???
2. Bagaimanakah saya ingin memberhentikan terus debt collector sekarang daripada mengganggu saya atau mana-mana debt collector yang mungkin akan dilantik dimasa depan jika akaun hutang saya ini diambil alih oleh debt collector yang lain jika option saya adalah untuk tidak membayar hutang ini ???
3. Adakah tindakan saya untuk memaklumkan debt collector supaya tidak lagi mengganggu saya ditempat kerja dan mengarahkan maklumat hutang saya yang mereka ada untuk dihantar ke email saya bagi tujuan rujukan saya adalah satu tindakan yang betul dan sah? atau saya perlu ke pejabat mereka untuk mengambil notis bertulis berkenaan maklumat hutang tersebut???
4. Sekiranya saya tidak perlu bayar hutang tersebut dan tuntutan telah dibuat keatas saya dan  saya perlu hadir ke mahkamah, bagaimanakah ingin saya mebuktikan di mahkamah bahawa hutang - hutang saya ini semua saya tidak perlu dibayar berpandukan akta had masa 1953 tersebut.???

Terima kasih tuan untuk sebarang pencerahan yang diberikan
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answered on Mar 23, 2022 at 14:39
by  
edited Mar 23, 2022 at 14:52
by   jeff005
Live by the sword and die by the sword.. !!

Debtors have created its own issues by not paying their creditors.. who actually started the issues? Please do not blame the bank only, ask ourselves if we debtors (including myself), have conduct our financial obligations and affairs correctly or not. 

Please ask your lawyer properly.. !!

You have seek advises from your lawyer, why, then, ask again and complain in this forum? 

Go get your the Injunction.. to stop at least this one DCs to call you. Kill one by one then.

OR  change to a new number..(issue temporary solved).
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answered on Mar 23, 2022 at 14:54
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@ Jeff - as compared to the doctor you mentioned...hehehe i am slightly luckier. Touch wood la....so far no Allgone people come to kacau at workplace...hehehehe. hopefully it stays that way.... anyway they cannot come also la....my workplace do not allow visitor for whatever purpose during this pandemic period...
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answered on Mar 23, 2022 at 20:46
by  
edited Mar 23, 2022 at 20:50
by   jeff005
                  Discussion Topic :

How do you prove documents in court?
If a party to proceedings submits documents to the courts as part of evidence, it is usually expected that the other party should be able to examine the documents at their leisure. If the court hears a challenge to the authenticity of the document, the document should be produced and subjected to rigorous scrutiny. However, in case there is no formal challenge to the authenticity of the document, but the authenticity of it is in doubt, it can be admitted as evidence, but only to prove that the document is indeed a copy of the original.

My personal answer : Challenge the computations of any statement of accounts submitted by the bank in a lawsuit.. !! Especially in the interests computations.

Refer to my this article :

https://www.lawyerment.com/library/kb/authors/10
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answered on Mar 24, 2022 at 01:18
by  
edited Mar 24, 2022 at 01:25
by   jeff005
Sori.. Dr. Haris will not be replying anyone..

He is no longer in Peninsula Malaisiya.. 

Far far away from Allgon.



Sad.. sad..sad.. to miss an Ol'frenz..

😢😢😢
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answered on Mar 24, 2022 at 09:24
by  
Far far away? but still in malaysia - so Allgone can still call...hahahaha
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answered on Mar 24, 2022 at 09:26
by  
My personal answer : Challenge the computations of any statement of accounts submitted by the bank in a lawsuit.. !! Especially in the interests computations.

but my opinion - if the statement clearly show the default date is more than 6 years - then there is no case in the first place- strike out - knock out based on limitation act--- all other matter not important anymore
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answered on Mar 24, 2022 at 12:51
by  
edited Mar 24, 2022 at 13:31
by   jeff005
but my opinion - if the statement clearly show the default date is more than 6 years - then there is no case in the first place- strike out - knock out based on limitation act

@ Vince Sum

It is based on your personal premise that debt litigations in court works in the manner your lawyer has advised you.

There is no issue you can do it the way your lawyer has suggested and wait for the answers /verdict from the Court and/or benk's lawyers.

 if the statement clearly show the default date
So your lawyer is clever but the benk's lawyers are stupid enuf to show "date of default" for you to invoke the LA 1953?

Under ROC2012 there is no requirement to state date of default and the bank will never show you any. The legal requirement for the benk is to show the latest current S/A which shows the amount "di-tuntut" (SOC) as well as the Letter of Demand plus Termination of the loan acct.

If you invoke the 6 years Limitation (using default date), it is your judicial responsibility to show documentary evidence the date of your last default. 90% of all debtors would have lost those old bank statements due floods, fire, misplacement, etc etc.. So, pray that you still have the old docs. In most cases the benk will no longer issue statements after a period of 1 year of no activity. This what my the above on How you prove documents in court is all about.

50% of the 800,000++ bankrupted individuals have no idea they were bankrupted because of wrong old address recorded in benk's records. There is no legal recourse.

This is why I had advised @remymikael, @Tan610 and many others, to provide correspondence address and current valid phone numbers for Allgon to initiate any  lawsuits. The vested order has its legal advantageous, it is a Perintah Mahkamah.. !! Allgon need not provide any date of default, all they have to do is to provide the vested order and the date stated within is the start of default when the debtor refuse to pay (usually within 7 days to Allgon as the new creditor) via notifications.

The other ramifications is that whether there is a judgment debt accorded before the sale of the old bank debt.

The process of How To Fight by the application of the LA 1953 have been tediously discussed in the last 22 pages of this thread as well as in many other similar Queries for the past 2-3 years. 
Read.. read.. read.. backwards ngan teliti and with proper understanding. Bla.. bla.. here and there only confuses own self.. !!

You may have missed all those discussions. 
You may have been brainwashed by your current lawyer who have just told you some new terms which you never know what it is and how to interpret the applications (becuz of free lawyer advises and with no proper explanations?). Almost all these terms have had been discussed before in this Lawyerment Forum. 

Read the KB section too on court procedures. KB = Knowledge Base section of Lawyerment.
Almost all of articles are written by very experienced lawyers.
me & another author oni wrote a few articles, as a non-lawyer, as a layman.. (based on personal experience on how i/we fought our own lawsuit without representation of lawyer) = Self Representing
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answered on Mar 24, 2022 at 13:23
by  
edited Mar 24, 2022 at 13:25
by   jeff005
Far far away? but still in malaysia - so Allgone can still call...hahahaha

Good at laughing and poking fun of others but still ignorant of your own situation. He has made a valid polis repot and the polis have acted on it. No more calls ever since the polis repot has been made and complaints using the polis repot has been lodged to several agencies including BNM. Do you know how to to make official complaint to BNM valid enuf for BNM to act on ALLgon and/all other goons?

Think twice before you mock others.. !!
You may need Dr. Haris advises.
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answered on Mar 24, 2022 at 13:39
by  
edited Mar 24, 2022 at 13:45
by   jeff005


The above is solid proof of infringement by DCs to have send to relative of Debtor.

A polis repot can be lodge and polis have to act on it.

Notice that this debtor have heeded my advise to block the DCs. He has also given the DCs correspondence address and valid email number for the purpose of lawsuits (if any).

Why send to relative? Mocking debtor? How To kill a Mocking Bird? A valid solid evidence will suffice like the above msg send to a relative of the debtor.

If people does not heed my suggestions /advises to change to new numbers and/or block the DCs numbers, blame who?

BLAME ME  again??
Tiap tiap kali sy jadi kambing hitam ke??
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answered on Mar 24, 2022 at 14:11
by  
Good at laughing and poking fun of others but still ignorant of your own situation. He has made a valid polis repot and the polis have acted on it. No more calls ever since the polis repot has been made and complaints using the polis repot has been lodged to several agencies including BNM. Do you know how to to make official complaint to BNM valid enuf for BNM to act on ALLgon and/all other goons?

Think twice before you mock others.. !!
You may need Dr. Haris advises.

OMH- it is scary if they have become silent. becuase dont know what is their next step.
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