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hutang dengan ambank dah pindah ke aiqon

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asked on Aug 19, 2021 at 16:03
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edited on Aug 19, 2021 at 16:36
by   Anne0000
hi, ibu saya ada buat pinjaman kredit kad dengan ambank lebih sepuluh tahun yang lepas. jumlah dan dan waktu sebenar, ibu langsung tak ingat dan ibu tak tahu ada simpan kat mana agreement dengan bank dulu. 

saya rasa mungkin termasuk dalam buku2 lama yang kami dah buang masa banjir teruk 2013 dulu.

sebelum ni, ayah yang bayarkan kan. tp bila ayah dah meninggal 4 tahun lepas, saya yang sambung bayar kan. ibu pencen kerja kerajaan dengan pencen rm1800 sebulan.

dan kami tak pernah miss lagi bayaran bulanan sebanyak RM200 sebulan - mengikut jumlah yang ayah pernah bayar bulanan sebelum ini. 

dan tiga tahun lepas, dapat surat dari ambank, hutang tu tak diuruskan oleh ambank dah, dan perlu berurusan dengan aiqon sahaja. jadi kami pun buat bayaran ke akaun aiqon mengikut penjelasan surat tu. 

tapi semenjak dua menjak ni, aiqon selalu call cakap bayaran tak cukup dan tawarkan untuk settlement sebanyak Rm6000. 

tapi kami takde duit sebanyak tu. kalau RM1000 boleh la. tapi tak diterima, dan kami membuat bayaran seperti biasa. 

officer tu cakap kalau nak settle, boleh contact semula. dan dua hari ni, dapat mesej dari aiqon cakap akaun ibu masih berbaki yang perlu dilunaskan kalau tak, tindakan tata tertib kepada pihak atasan ibu akan dilaporkan.

tapi ibu dah tak bekerja. saya je yang bekerja. abang masih belajar. boleh ke pihak aiqon ugut2 macam ni dan cakap hutang tak bayar tapi kami memang ada transaksi bulanan tu. atau saya yang salah paham? 

dan kami ada email dan whatsapp ke aiqon untuk mintak penyata baki pinjaman tapi tak dapat apa2 reply.

minta tunjuk ajar semua ya. terima kasih.
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10 Answers

answered on Aug 19, 2021 at 23:52
by  
edited Aug 20, 2021 at 00:11
by   jeff005
@ Anne0000

Jawapan telah di pamirkan dalam thread di sini :

https://www.lawyerment.com/answers/questions/13840/what-is-a-vesting-order-obtained-by-aigon-can-i-make-a-negotiated-settlement

https://www.lawyerment.com/answers/questions/13937/dikejar-debt-collector-untuk-tuntutan-hutang-bagi-pinjaman-pada-tahun-2006-2007

https://www.lawyerment.com/answers/questions/13975/what-is-a-vesting-order-on-sale-of-npl-debts-perintah-letak-hak-how-to-deal

Bace ngan teliti dulu

Tanya apa kamu yang lagi tak pham..
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answered on Aug 20, 2021 at 00:00
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edited Aug 20, 2021 at 01:02
by   jeff005
@ Anne0000

Sama "Merdeka Offer" sprt ni yg Dr. Harimau lapat?



aiQon malaisiya boleh.. !!
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answered on Aug 20, 2021 at 00:08
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edited Aug 20, 2021 at 00:17
by   jeff005




--------------------------------------

Jika pengutip wang mereka berani latang rumah kamu dan act ngan kurang ajar atau ngan keganasan buruk .. 

buat saperti ni..

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answered on Aug 20, 2021 at 00:35
by  
@ Anne0000

tapi semenjak dua menjak ni, aiqon selalu call cakap bayaran tak cukup dan tawarkan untuk settlement sebanyak Rm6000. 

Do not pay anything from now onwards (temporary), until you have read and understooded  the threads tendered above.

Give me more details about the above credit card default as much as possible (by memory) via email to my  email acct

< bladirunner@gmail.com >

Then only I can advise properly.
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answered on Aug 21, 2021 at 20:27
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Hi En Jeff, saya sudah email kamu ya. terima kasih..
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answered on Aug 21, 2021 at 22:29
by  
Will reply you tomorrow

Quick answer

1. Malaysian Govt Pencen Fund is Creditor Proof.

2. The debt started in 2005 has exceeded the "Had Masa" for lawsuit.

3.  "tindakan tata tertib"..  what type? Lawsuit?

They talk big.. 

If they ever start lawsuit, i will send my personal Squadron of Pigs Bomber to eliminate /neutralize their threats.

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answered on Aug 23, 2021 at 23:27
by  
@ Anne0000

1.  Stop paying any monies to this AIGON.

2.  Block all their numbers.

3.  I need you to get your mother to apply online for a BNM CCRIS latest statement. Bank Negara Malaysia. It may take about 10 days to get a respond.

The problem is that it is a debt from 2005 and all records were lost and forgotten. Not your fault.

I am sad that you have just join the workforce and then have to pay for the debts of your deceased father who have also involved your mother's name. It is not that your father have abused the moneys "used" rather being cheated by a pakcik invested into a non existent business.

4. The low asking price of RM6,000 is nothing but fabricated interests. You have been paying RM200 monthly since your father passed away 4 years ago. Have Paid RM10,000 for the past 4 years. By my personal estimate, the debt have been "sold" for less than RM2,000 at book value.

5.  By getting a BNM CCRIS, might be able to get some critical information and values.

dan kami ada email dan whatsapp ke aiqon untuk mintak penyata baki pinjaman tapi tak dapat apa2 reply.
Imagine that if AmBank had sold the debt in 2019 for less than 2K, you have already settled the amount. Why so stupid of them to give you "proof"?

Just get the BNM CCRIS for me to read.

Please jpeg or PDF the results to me. My PC does not have your kind of application. Do not know what is HEIC file.

-------------

@ Dr. Haris

Tuan, please can translate into simple Bahasa Malaysia of the above for her to have a better understanding. She just joined the market workforce. Not easy for her to understand what is inside your thread (https://www.lawyerment.com/answers/questions/13937/dikejar-debt-collector-untuk-tuntutan-hutang-bagi-pinjaman-pada-tahun-2006-2007) . It is actually too technical for her to understand.

Just translate what I have asked her to do and my brief explanations.

Manyak manyak T.K.

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answered on Aug 24, 2021 at 18:42
by  
Hi En Jeff.. terima kasih ya. nanti saya buat kan BNM CCRIS untuk ibu saya dan hantar ke En Jeff.

terima kasih sekali lagi ya.
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answered on Sep 23, 2021 at 23:50
by  
edited Sep 23, 2021 at 23:50
by   jeff005
@ Anne0000



Re : CCRIS dated 29/08/2021

1.  The CCRIS is good, no debts for the past 7years, no SAA, no lawsuits, no judgment debt.

2.  It appears to be clear of any bank debts.

Your case facts

3. If there has been no Judgment debt recorded for the past 6 years, it has already pass the Had Masa to start a lawsuit.

4. In actual fact, you do not need to pay anymore (probably you have already overpaid).

Just ignore their threats and harassments.

Block all their numbers. Do not take calls not registered in your handphone.

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answered on Sep 24, 2021 at 00:27
by  
baiklah.. paham.. tq en Jeff ..
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