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terima panggilan dan whatsapp daripada Aiqon Amanah

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asked on Mar 29, 2022 at 10:31
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Hi... Saya pernah diisytihar Bankrap oleh insolvensi dan telah mendapat pelesapan drp pengarah insolvensi pada 2018 setelah ada akaun tertunggak bersama bank ambank bintulu berkaitan pembelian kereta. pada sabtu 26 mac 2022 sy mendapat panggilan drp wakil drp Aiqon amanah mengatakan pihak ambank telah menjual akaun saya kpd mereka. dan mereka telah membuat tuntutan bernilai 91k dan perlu dilakukan segera bg mengelakkan akaun sy dibekukan pd isnin 28 mac 2022. untuk mengelakkan tindakan tersebut sy perlu memasukkan RM1000 ke akaun Aiqon pd sabtu itu juga. Sy terkejut dan keliru. sy tidak membuat bayaran tersebut. tetapi pd hari isnin pihak aiqon telah mendesak sy dengan ugutan sama dan meminta sy bank in rm1000. dlm keadaan yg tertekan sy telah bank in rm1000 kpd mereka dan mereka memberi jaminan utk memproses loan utk melangsaikan baki hutang saya. tetapi sebelum menyerahkan slip gaji terkini sy telah meminta pihak aiqon memberikan sy penyata atau surat berkaitan perkara ini.... apa yg perlu sy lakukan... harap dpt bantuan.. terima kasih

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answered on Mar 29, 2022 at 11:12
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edited Mar 29, 2022 at 11:17
by   jeff005
@ khairul amilin

Mengapa kamu tidak mengcatek (declare) hutang Ambank tersebut kedalam SOA JIM pada masa laporkan ke JIM?

Bayaran RM1,000 ni "boleh" hidupkan hutang lama ini.

sy telah meminta pihak aiqon memberikan sy penyata atau surat berkaitan perkara ini
Tunggu la.. sy rasa mereka takut kasi anda.

PLEASE STOP ANY FURTHER PAYMENT, even RM10.

BAR THEIR NOS.. !!

Postkan msg yg anda terima di sini.. !!
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answered on Mar 29, 2022 at 12:03
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@ Jeff

they can like that meh? as far i know once bankrupt all the creditors will submit proof of debt and will be handle by JIM.

those who didnt submit too bad la...blame themselves la ..why didnt submit ?

Then when already pelepasan should be all debt gone already la...mana ada debt lagi>? clean like new born baby la...debt apa lagi?

ask All gone go fly kite la
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answered on Mar 29, 2022 at 13:02
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edited Mar 29, 2022 at 13:33
by   jeff005
Under Bkcy Laws the bankrupt has to declare all debts.

Then only JIM will write to all creditors stated in the SOA to file POD and call for the "First Creditors Meeting" mandated by bkcy laws.

If the creditor does not reply and/or file POD, then their case is gone.

The basic Q is did the bankrupt declare this Ambank Debt in the SOA. (Statement of affairs).

Please let this @Khairul answer my Q.. oni he knows.. !!

Bankrupts has to declare first even, if owing "dowry" to MIL/FIL.

Even ex-wife's alimony and children's living expenses.

Please read and refer to JIM bankruptcy Policies (aka Bylaws).
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answered on Mar 29, 2022 at 13:07
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edited Mar 29, 2022 at 14:03
by   jeff005
Then when already pelepasan should be all debt gone already la
There are still ppl who would give personal loans (usually with collaterals) and signed guarantorship.

It is the rights and risks of the lender even during bkcy period. There is no law stating a bankrupt cannot get loans. The risks on the lender.

I have so many bankrupts telling me that JIM do not accept unlicensed money lenders even if they had declared in their JIM SOA. 

Readers.. please read Bkcy Laws and Bylaws carefully.. !!

Read also what is "double Bkcy" in the same period.

Read also what and why after discharged can be bankrupted a second time, a third time.

I had written several articles before. It is ppl who do not read my articles and not paying attention who will suffer eventually.

"as far as you know" is not the same as "as far as I, jeff005, knows" within the concept of bkcy.

Ignorance is not blissful.. !!
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answered on Mar 29, 2022 at 13:43
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edited Mar 29, 2022 at 14:00
by   jeff005
ask All gone go fly kite la

Why blame Allgoons?
The fault lies squarely on Ambank (possibly @khairul too)
Barking up the wrong tree will not resolve this issue.

Is creating a  hyperbole  statement / scenario helping this ex-bankrupt khairul?



Has anyone seen badak berak?

Just shoot a supersonic missile at Ambank lorr...
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answered on Mar 29, 2022 at 14:18
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@ unlicence money lender = ah long?

But frankly i damn impressed la if the unlicensed money lender dare to provide POD , since they are operating without license at the first place.
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answered on Mar 29, 2022 at 14:34
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edited Mar 29, 2022 at 14:37
by   jeff005
But frankly i damn impressed la if the unlicensed money lender dare to provide POD ,

Well I have seen Judgment Debt awarded to Licensed money lenders.

I have seen bankruptcy papers filed by Licensed money lenders.

Have you?

There exists signed "blank papers" obtained by ahlongs who would then transfer the debts to the licensed money lenders to file for JD and the bankruptcy proceedings.

There is a distinction between a bankrupt naming debts owed to unlicensed money lenders and whether they dare to file POD. Do not mix up the two metaphor scenarios.

I have written this issue under "What is Proof of Debts" and what is provable debts under the context of laws.

Please read backwards. I forget under which thread.
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answered on Mar 29, 2022 at 15:55
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understood but normally if we see in papers Ah longs rather decorate the debtors house in red. 
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answered on Mar 29, 2022 at 17:40
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edited Mar 29, 2022 at 17:52
by   khairul amilin
Mengapa kamu tidak mengcatek (declare) hutang Ambank tersebut kedalam SOA JIM pada masa laporkan ke JIM?

Maaf tuan... Sy tak faham maksud tuan... 
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answered on Mar 29, 2022 at 17:43
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The basic Q is did the bankrupt declare this Ambank Debt in the SOA. (Statement of affairs).

Ye... Sy diisytihar bankrup atas hutang dgn ambank
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