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Bankcruptcy - Creditors Petition

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asked on Mar 11, 2021 at 21:34
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edited on Mar 11, 2021 at 22:02
by   mshafiqs
Salam tuan/puan.
Mohon pandangan dan pendapat berkenaan kes saya.
Saya baru sedar ada remarks dalam rekod CTOS saya yang memaparkan informasi kes mahkamah berkenaan creditors petition oleh pihak bank. Dan saya baru sedar hari ini yang account saving Maybank saya juga telah disekat.
Berdasarkan pada informasi terdapat maklumat pihak peguam bank yang boleh saya hubungi dan saya telah hubungi pihak peguam tersebut dan mereka memaklumkan pada saya bahawa saya sedang dikenakan tindakan bankrap oleh pihak bank.
Surat telah dikeluarkan dan meminta untuk saya hadir di mahkamah tinggi Alor Setar untuk creditors hearing pada 28/3/2021.
Disini saya ingin bertanya bagaimana saya boleh untuk melengahkan tindakan peguam atau mahkamah untuk bankrap kan saya dalam masa terdekat?
1.Sebab utama adalah saya memerlukan wang untuk perbelanjaan, manakala permohonan isinar juga telah diluluskan.
2. Soalan kedua, bolehkah pihak maybank sekat akaun saya sedangkan saya belum lagi diisytiharkan bankrap?

Update cerita:-
1. Setelah menghubungi bapa saya, saya dipahamkan ini berkenaan dengan pinjaman perniagaan syarikat bapa saya. Saya merupakan ahli lembaga pengarah kerana syarikat jenis sdn bhd yang mempunyai 1% pegangan sahaja manakala bapa saya 99%.
2. Minta pandangan adakah saya dikirakan sebagai penjamin social dalam kes ni? dan adakah saya boleh melawan kes tuntutan ini
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answered on Mar 11, 2021 at 22:27
by  
Mshafiqs ,

Are you guarantor for the company loan ? Did you sign any loan documents before ?

Which bank after you ? When the loan start to default ? 

How much the bank is claiming ? Can update your Ctos here ( without personal info ) so the forum reader here can comment . 
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answered on Mar 12, 2021 at 00:08
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Are you guarantor for the company loan ? Did you sign any loan documents before ?
What can i recalled, yes, i got signed loan documents last time some where in 2008

Which bank after you ? When the loan start to default ? 
Ambank, as per informed by my fater, he didnt pay for the last 3 years

How much the bank is claiming ? Can update your Ctos here ( without personal info ) so the forum reader here can comment . 
Total loan is RM500k, after quite sometime didnt pay, now bank is claiming almost 600k as per my father said. I dont have any CTOS report for me currently. But I can list down all my current loan that I'm serving now, is it okay?
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answered on Mar 12, 2021 at 00:55
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edited Mar 12, 2021 at 00:57
by   jeff005
mshafiqs

No need your CTOS or listings of your personal other loans. It is irrelevant to your case.

This is a personal bankruptcy on a signed personal guarantee given to the lender bank to a company loan. Your father's name should be as joint names together with yours in the CP. Your father have all the documents? Get from him.. !!

The only Qs are
1. How much time you wanted to melengahkan tindakan bank di Mahkamah and for what reasons?

2. Can you and your father repay the RM 600,000 as per tuntutan?
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answered on Mar 12, 2021 at 07:13
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edited Mar 12, 2021 at 07:16
by   mshafiqs
@jeff
My father dont have relevant document on the loan document last time. The only document I have now is the creditors petition hearing letter from the lawyer. Sad but to be true, only yesterday I know about this issue, all this while my father didnt tell anything.

1. I wanted to melengahkan the court proceeding for at least another 2-3 months so that my Maybank account can be unfreeze. Because currently all my transaction money regarding salary, isinar and tax refund is to my Maybank account

2. My father cant pay the amount since his business also no more.
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answered on Mar 12, 2021 at 07:43
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Loan started 2008 , defaulted 3 years ago means 2018 .

Loan amount RM 500k , after 10 years paying ( 2008- 2018 ) , now asking for RM 600k . How long the loan duration ? Are you sure after 10 years paying , balance amount can snowball to RM 600k just in 3 years ? 

As jeff said , you better take the letter and really understand your case since hearing on 28/3/21. By the way , who issue the letter and who gave you the lawyer number for you to call?

It could be another BC issue ..... 
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answered on Mar 12, 2021 at 09:42
by  
@Oldalantam

By the way , who issue the letter and who gave you the lawyer number for you to call?
1. The Ambank lawyer number I got from my CTOS report remarks
2. The credition hearing letter is issue by the Ambank lawyer since I'm asking for that to proof to Maybank saying that my case still dont have any judgement yet and wanted my saving account to be unfreeze
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answered on Mar 12, 2021 at 11:02
by  
@ mshafiqs

melengahkan tindakan bank
1. Wajib menghadiri sesi pendengaran CP (Petisyen Pemiutang) 
2. Mohon di beri tempoh untuk melantik seorang peguam untuk mewakili pihak kamu

(Semasa tempoh PKPB, kamu boleh cuba memohon 2 bulan penangguhan)

Permohonan isinar juga telah diluluskan
Duit di kreditkan kedalam Maybank?

bolehkah pihak maybank sekat akaun saya sedangkan saya belum lagi diisytiharkan bankrap?
Boleh di sekat (bukan di beku).
This is because the CP was by substituted service and is advertised in newspapers. Some banks would react to "freeze" the savings acct on Public Advertisements. It is individual bank policies. No laws have been broken.

Ini adalah kerana penyerahan CP telah di ganti dengan pengiklanan di dalam surat akhbar. Setengah bank akan bertindak dengan membekukan akaun simpanan individu bila wujudnya pengiklanan secara awam dilakukan.  Ini adalah polisi dalaman pihak bank tersebut dan tindakan yang dilakukan ini tidak melanggar sebarang undang -undang

ahli lembaga pengarah
You should be the First Director during incorporation of the company
It does not matter if your shareholdings is 1 %
For company's loans, all directors must sign as Guarantors.
 Pihak kamu sepatutnya telah dilantik sebagai pengarah syarikat yang pertama  semasa syarikat tersebut telah diperbadankan
Ianya tidak menjadi isu walaupun pihak kamu adalah pemegang saham sebanyak 1% . Bagi pinjaman syarikat,  semua pengarah syarikat perlu menandatangan sebagai penjamin

sebagai penjamin social 
No social guarantor status can be claimed for company commercial bank loans.
Tiada status penjamin sosial boleh dituntut untuk pinjaman komersial bank syarikat

Creditors Petition ( Petisyen Pemiutang )
This is the final stage of a Bankruptcy Proceeding.
There is no withdrawal of Petition
You may delay the issuance of a Bankruptcy Order by having a "Voluntary Arrangement" with the Creditor Bank or settle the full amount as per "tuntutan".
Ini adalah peringkat akhir didalam prosedur kebankrapan
Petisyen ini tidak boleh ditarik balik / dimansuhkan
Pihak kamu boleh menangguhkan pengeluaran perintah kebankrapan dengan melakukan " rundingan secara sukarela @ voluntary arrangements) dengan pihak pemiutang atau membayar jumlah penuh sepertimana yang dituntut oleh pihak pemiutang
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answered on Mar 12, 2021 at 11:48
by  
edited Mar 12, 2021 at 11:48
by   mshafiqs
@remymikael

Terima kasih untuk penerangan jelas di atas.
Berkenaa soalan:-

Permohonan isinar juga telah diluluskan
Duit di kreditkan kedalam Maybank?
[mshafiqs] ya

Dalam keadaan sekarang, bagaimana caranya untuk saya hadapi kes ini?
1. Adakah saya perlu hadir di mahkamah pada 28/3/2021 nanti untuk prosoding mahkamah dan cuba untuk menangguhkan prosiding
atau
2. Terus kan dengan tindakan mahkamah untuk diisytiharkan muflis?
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answered on Mar 12, 2021 at 11:51
by  
edited Apr 16, 2022 at 21:59
 
Hello kawan-kawan yang ada kepala batu..

I just receive a morning mail of a RM 10,000 denda..
Fresh from the oven
"Can challenge in Court"?

My answer.. who ask you to think that you are above SOP laws?
No contest in court. Cannot pay RM 10,000, simple solution.. masuk penjara. There is free nasi lemak 3 times a day and free lodging for the whole period as decree by the Court.
(Note don't get Covid-19 from other inmates, wear double masks and face shield inside penjara).

Note, this is a "Jenayah" compound..



Alamak.. sepuluh ribu "sahaja" ma.. if you contest without valid reasons and waste court's time.. boleh tambah tanpa mercy. Denda plus penjara.. !!

Please also take note that the above saman can be faked and the sender may not be the offender as in the saman. Just keep an open mind..
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answered on Mar 12, 2021 at 12:12
by  
edited Apr 16, 2022 at 21:59
 
@mshafiqs,

Baca nasihat-nasihat di pamirkan di forum ini kepada kamu dengan teliti.

Wajib hadir.

Nak contest atau tidak, keputusan/tindakan sendiri..
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