Advertisement

Hutang Tertunggak Pinjaman Kereta AmBank

112 Views  ⚫  Asked 1 Month Ago
asked on Jun 17, 2022 at 13:24
by  
Salam..

Saya nak bertanya..Pada 11 Jun 2022 saya dihubungi oleh pihak Aiqon Amanah berhubung hutang tertunggak di AmBank. Pihak Aiqon minta jelaskan Rm8500 untuk full settlement. Jadi saya terus ke AmBank untuk bertanya status hutang dan dimaklumkan pihak Ambank sudah jual hutang kepada Aiqon Amanah. Sejak itu mereka kerap menghubungi saya untuk tuntut hutang tersebut. Mereka juga menawarkan plan ansuran tapi perlu initial deposit RM4,500..tetapi sya tak mampu bayar mereka offer lagi RM 1500 dan seterusnya RM500 perlu dibayar pada 25hb Jun bagi mengelakkan mereka mengambil tindakan. mereka juga offer untuk mendapatkan pinjaman dr mana2 instusi perbankan utk buat pinjaman dan meminta saya menghantar slip gaji. Hutang ini kali terakhir dibayar pada tahun 2015. Persoalan saya..patutkah saya buat bayaran kepada Aiqon dan kenapa mereka beria ia mahu saya hantar slip gaji buat pinjaman bg settle hutang tersebut sedangkan kali pertama call dah tekan saya untuk jelaskan hutang RM8500..Total terakhir hutang adalah RM13k lebih..apa saya patut buat, mohon pandangan tuan.
0 had this question
Me Too
0 favorites
Favorite
[ share ]
9 Answers

answered on Jun 17, 2022 at 14:01
by  
edited Jun 17, 2022 at 14:09
by   jeff005
Siaw Voon

Hutang ini kali terakhir dibayar pada tahun 2015.
pihak Ambank sudah jual hutang kepada Aiqon Amanah.
Any proof of sale (like vesting order?)

saya hantar slip gaji 
With your pay slip, they will know where you work and then disturb you at workplace.

This is the common tactic used by debts collectors.

Read under these threads to understand your rights to this old debt.

https://www.lawyerment.com/answers/questions/14219/credit-card-overdue-26-yrs-1996-returned-card-1997-rm7k

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/13840/what-is-a-vesting-order-obtained-by-aigon-can-i-make-a-negotiated-settlement
1 found this helpful
Helpful

answered on Jun 17, 2022 at 14:08
by  
edited Jun 17, 2022 at 14:12
by   jeff005
Siaw Voon

After you have given your payslip and any negotiations (if any) or discounts, you will be paying 13K ++ (my personal view).

BTW.. where and who is having the car?

1 found this helpful
Helpful

answered on Jun 17, 2022 at 14:58
by  
Saya ada bertanya di kaunter AmBank dan mereka ckp SDH jual dgn Aiqon. Saya disuruh berurusan dengan Aiqon. Aiqon pun mention benda yang sama. sekarang ini apa2 bayaran perlu dibuat kepada Aiqon. Bila ditanya berapa amaun yg dijual oleh AmBank, mereka tukar topik dan terus mengugut jika x dpt setel mereka akan proceed dgn tindakan undang-undang.

Hantar slip gaji :
Mereka minta untuk semak kelayakan pinjaman sbb mereka suggest saya buat loan untuk setel hutang tersebut. Mereka pun dah berapa kali call nombor office bila saya ignore call dari mereka.

Nak tanya, jika saya buat payment nnti adakah ini akan mengaktifkan semula had masa hutang' lapuk saya ini?
Dan apa yang diberitahu oleh Aiqon jika saya memilih untuk byrn ansuran hutang boleh mencecah hingga RM35k...
0 found this helpful
Helpful

answered on Jun 17, 2022 at 15:03
by  
Tuan Jeff005, kereta dah dilelong oleh AmBank. Baki yg perlu ditanggung oleh saya adalah RM13k something. Since last payment on 2015, saya dh defaulted payment until now. Skrg pihak Aiqon pula yg menuntut..
0 found this helpful
Helpful

answered on Jun 17, 2022 at 15:51
by  
edited Jun 17, 2022 at 17:36
by   jeff005
@ Siaw Voon

Nak tanya, jika saya buat payment nnti adakah ini akan mengaktifkan semula had masa hutang' lapuk saya ini?
!00 % kena.
Buat payment atau hubungan  seterusnya dengan any bill collector

Sy punya estimate mengcecah 35K..

Baki yg perlu ditanggung oleh saya adalah RM13k something
Got any documentation proof like bank notifications, Auctioners' papers, lawyers letters?

Skrg pihak Aiqon pula yg menuntut..
Aigon can "try" to file, but you can invoke the Limitation Act to set aside the lawsuit. (note : must have a lawsuit only can invoke the LA2018).

Since last payment on 2015
Can still remember which month?
1 found this helpful
Helpful

answered on Jun 17, 2022 at 16:11
by  
Tuan jeff005,

Sya perlu buat payment ikut amaun Aiqon ke? MCM mana pula kalau sya berjaya byr rm8500 tu then last2 Dorang minta lg baki dr RM13k tu? Saya dh confuse ni..Aiqon tu hari2 call, x layan call nnti call lg no Pejabat..sampai kerani pelanggan dh muak nak jawab..

Any proof letter?
- Setakat ni saya XDA terima surat mengatakan jumlah tunggakan tu tp last payment on August 2015 tu balance dlm RM13k..Aiqon pun mention amaun yg sama..cuma skrg mereka offer final settlement rm8500.
0 found this helpful
Helpful

answered on Jun 17, 2022 at 17:35
by  
edited Jun 17, 2022 at 17:38
by   jeff005
pada 25hb Jun bagi mengelakkan mereka mengambil tindakan. 
This H/P acct balance has already exceeded the 6 Years Limitation period.

My personal opinion, there is no need to pay anything at all.

But it is your own decision on whether to carry on paying in order to stop those daily calls.

There will be no tindakan Mahkamah. This is a common scare tactic to get people pay something to void the protection of the Limitation Period.

1 found this helpful
Helpful

answered on Jun 23, 2022 at 10:15
by  
@ Siew Voon

Saya dh confuse ni..Aiqon tu hari2 call, x layan call nnti call lg no Pejabat..sampai kerani pelanggan dh muak nak jawab..

ITU memang tactik kotor Aigon sial ...abaikan je...just ignore them...block their call. and tell the kerani tu answer "Tak ada orang tu kat sini, jangan kacau , kalau tak i lapur pada PDRM"  
0 found this helpful
Helpful

answered on Jun 23, 2022 at 10:17
by  
and they bukan saja hari hari call....sometime satu hari call sampai 5 or 6 times.....but just block je call sial mereka tu....
0 found this helpful
Helpful


You must log in to answer this question.

Not the answer you're looking for? Browse other questions by category or search to find answers.