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Garnishee akaun dibekukan

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asked on Apr 18, 2021 at 09:55
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edited on Apr 18, 2021 at 09:59
by   Abiky
Akaun gaji saya di bank islam di block bila ditanya atas perintah mahkamah ,ape perlu saya buat ,bila cek di mdi isolvency bayar rm10 tak da bangrupsi,maybank akaun boleh buka,bagaimana dengan bulan berikutnya dengan gaji saya .kilang masukkan gaji di rhb dan dari rhb ke bank islam ,akaun di bank islam di bekukan ,kad kredit boleh buka pula akaun saving aje yg dibekukan
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6 Answers

answered on Apr 18, 2021 at 11:42
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edited Apr 18, 2021 at 12:04
by   jeff005
 @ Abiky

 akaun saving aje yg dibekukan
Sesiapa pihak yang telah bekukan acct bank Islam?
Mengapa mereka buat begitu?

masukkan gaji di rhb dan dari rhb ke bank islam
Ini yang sebab bank Islam savings acct bolih di bekukan.

maybank akaun boleh buka
Beberapa tahun akaun ini sudah di buka?

kad kredit boleh buka
Bila kad ini di buka?

What is your Query here???
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answered on Apr 18, 2021 at 12:05
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Further information

https://www.lawyerment.com/answers/questions/13946/bank-closing-of-personal-banking-accounts-why-what-are-the-possible-causes-that

https://www.lawyerment.com/answers/questions/13968/can-a-bank-joint-names-savings-account-be-garnished-di-beku
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answered on Apr 18, 2021 at 19:04
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No 1 Bank islam saving act (akaun gaji) je  yg dibekukan,jumpa pegawai bislam atas arahan mahkamah  sampai la ni tak da surat perintah dari mana  ,di dalam bank islam  online bila saya cek saving act sahaja yg disekat , bislam credit kad masih boleh digunakan 
Maybank act saya tak pulak dibeku pun, dah lama same dgn bank islam 

Quarrey   camana nak atasi akaun yg di bekukan 
Ape tindakan selanjut nya

No2, bank company  dari rhb islamik , last transfer ke gaji saya memang di bank islam ni memang sudah lama dari mula2 saya kerja 
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answered on Apr 18, 2021 at 22:06
by  
@ Abiky

camana nak atasi akaun yg di bekukan Ape tindakan selanjut nya

Just my personal suggestion, never before anyone has carried it out in this forum.

1. Get a letter from your employer to certify that this is a salary acct for the purpose of monthly wages bank-in.

2. Write officially to inform B.Islam to get the number of the Garnishee Order and which court. 

3. Within 14 days, you may contest this Court Order (from date of garnishment).

4. The moneys inside is still with B.Islam, seek help from BBG on how to file a contest against this order. You must act very fast on this matter, or else, your credit card with this bank may be terminated very soon.

5. This contest against the Garnishee Order can be successful, unless problems starts, when this salary acct has been used for other purposes like unverifiable bank-ins of other deposits.

6. Draw out whatever is in MBB now. There can be another court order in the pipeline now. The banks will never inform the acct holder as it is applied ex parte. It is my personal belief that the banks do pakat with each other.

7. Salary savings account for the purpose of wages bank-ins is creditor proof  by virtue of the Malaysian Employment Act. But the protection is turned off for any abuse of the savings acct.

If you cannot understand what I have written above, get someone to translate it properly to you. BBG (Biro Bantuan Guaman).

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answered on Apr 19, 2021 at 00:37
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Memandangkan tiada akaun bank yg selamat bolehkah pihak kilang mengeluarkan gaji saya dalam bentuk cash  cek dan saya bank in ke act isteri saya,
adakah tindakkan pihak kilang  ini Akan di persoal oleh bank negara or mahkamah yg mengeluarkan  arahan garnishee ,tq tuan,saya bertanya
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answered on Apr 19, 2021 at 08:02
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edited Apr 19, 2021 at 08:34
by   jeff005
@ Abiky

dalam bentuk cash  cek dan saya bank in ke act isteri saya,

Boleh.. akan tetapi, tertaruh kepada majikan (lebih kerja untuk admin).

Menurut Akta Kerja 1955, majikan mesti masuk gaji kedalam acct savings seorang pekerja.  But the employee (in the same Act), can request that his/her wages be paid by CASH or into another acct. It is up to the company to agree to it. Once the mode has been changed, tak bolih di tukar lagi (for personal taxation purposes).

adakah tindakkan pihak kilang  ini Akan di persoal oleh bank negara or mahkamah yg mengeluarkan  arahan garnishee 

Perkara masukan gaji perkerja kedalam akaun lain tidak akan di persoal oleh BNM tetapi oleh Labour Dept jikalau ade audit atau regular checking oleh pegawai labor. The actual procedure is that the majikan must write in only (not application) to inform the labour dept of this arrangement.

As far as I know, there is no banking laws that states garnishment of single name acct can be carried out (for Wages savings acct) if it is NOT in the name of the debtor.

But some countries overseas can seek garnishee order served to the employer but in MALAYSIA - CANNOT due to the protection of the AKTA KERJA 1955.

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