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Hutang kad kredit lebih 8 tahun. Adakah bank boleh potong gaji saya terus walaupun akaun saya dengan bank lain?

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asked on Dec 1, 2010 at 23:54
by   afiq
edited on Jun 28, 2016 at 07:54
 
Hari ini saya dapat call dari Bank MBf, minta bayaran tentang hutang credit card saya. Mereka kata hutang saya dah nak sampai RM30,000.. hutang saya ini dah nak sampai 9 tahun.. credit limit saya pada masa itu cuma RM3,000 saja.

Saya nak minta bayar ansuran tapi mereka kata nak first payment RM2,500, kalau tak akan kena naik court dan kena bayar RM3,800 dekat court.. lepas itu bulanan RM200 sampai habis, kalau tak mereka akan nak sue saya kebankrapan, nanti anak nak sekolah susah, nak potong gaji saya 80%, dan akan melawat tempat kerja saya dan rumah saya..

Saya nak tanya:

1. Pihak bank boleh potong gaji saya terus? Padahal bank saya Affin Bank.. saya ambil gaji guna cek..
2. Kalau mereka datang tempat kerja atau rumah saya, mereka akan buat apa?
3. Kalau hutang dah lebih 6 tahun, macam mana keadaan ia?
4. Saya sudah check dan saya belum di bankruptcy lagi, kalau lalui Agensi Kaunseling & Pengurusan Kredit (AKPK), mereka akan tolak berapa amaun dari gaji saya?
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10 Answers

answered on Dec 2, 2010 at 01:08
by   Tang
edited Jun 28, 2016 at 07:55
 
@afiq,

Melalui forum ini, kamu boleh tahu banyak kes-kes macam kamu. Sekarang, kamu cuba cari masa bincang dengan pengawai AKPK, kalau boleh elak dari kebankrapan. Harap-harap kamu boleh selesai melalui AKPK. Don't worry, try to ask first. Wish you good luck!
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answered on Dec 2, 2010 at 15:21
by   afiq
edited Jun 28, 2016 at 07:56
 
Thanks for your reply... tapi saya risau sangat kalau mereka tolak gaji saya... rasa tension sangat rasa nak mati sahaja... anak nak makan, banyak lagi kena bayar... tak tahu mereka macam mana baru boleh STOP! Kalau bankrap macam mana keadaan dia?
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answered on Dec 2, 2010 at 16:27
by   vkpc
edited Jun 28, 2016 at 08:02
 
1. Pihak bank boleh potong gaji saya terus? Padahal bank saya Affin Bank..
Tak boleh.

2. Kalau mereka datang tempat kerja atau rumah saya, mereka akan buat apa?
Kalau kat rumah, tak payah buka pintu. Sediakan kayu.
Kalau kat tempat kerja, suruh sekuriti halau mereka.

3. Kalau hutang dah lebih 6 tahun, macam mana keadaan ia?
Hutang yang lebih 6 tahun kalau belum disaman tidak lagi boleh disaman ke mahkamah.  Ini adalah undang-undang. Tapi, undang-undang tak menghalang mereka datang kacau kamu.

4. Saya sudah check dan saya belum di bankruptcy lagi, kalau lalui Agensi Kaunseling & Pengurusan Kredit (AKPK), mereka akan tolak berapa amaun dari gaji saya?
Kenapa harus pergi ke AKPK? Mahkamah pun tak layan hutang yang lebih 6 tahun. Relaksla...
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answered on Dec 3, 2010 at 01:58
by   Sopan Santun
edited Jun 28, 2016 at 08:41
 
@afiq

Tak payah susah susah, kad kredit anda - hutang pun dah nak sampai 9 tahun. Saya fikir kamu hutang dari mulaan - lebih kurang RM3,000. Kalau sampai sekarang, kamu tak bayar apa apa pun dari mulaan, AKTA LIMIT 6 TAHUN bagi kes anda sudah habis. Ini bermakna anda sudah BEBAS dari "ancaman" kebankrapan!

Jadi pun sekarang - Relaks!, Relaks!, Relaks! sahaja. Jangan risah lagi! Ambil keluarga anda, pergi makan satay-satay Kajang dengan sepenuh gembira!

Ini sahaja. Sekian terima kasih!
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answered on Dec 3, 2010 at 05:14
by   Saya Bukan Along
edited Jun 28, 2016 at 08:43
 
@Afiq,

Yang call itu debt collector. Jangan risau, mereka nak makan komisen sahaja. Cakap balik, kalau awak kacau saya, saya repot polis. Lepas itu tukar nombor talifon. Hahaha.. Setel.
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answered on Dec 7, 2010 at 05:24
by   emrans
edited Jun 28, 2016 at 08:56
 
Oh! All my friends please I need a very strong support from everyone..

The guy who came to my house, came back again and gave me the notice for auction or 'lelong' of my household items following the list that he has given some other time previously.

Please I need advice. They will run the auction or 'lelong' at my housing area, I think in front of my house maybe on 9 December 2010 at 2:30pm. Are they seriously going to do the 'lelong' or not?

Please those who have any info about this let me know urgently or some people who have the experience about the law or lawyer please tell me the truth.. I don't know how to handle this kind of situation.

When I asked him how they auction or 'lelong', he never gave the answer, he said their job is only send the notice... that's all.

The problem is this makes me feel so worried. Does the bank have the power to auction or 'lelong' at my house?

I feel very, very confused... help me sir or madam...
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answered on Dec 8, 2010 at 16:55
by   LoyerBrook
For Your Own Security & Safety!!! Keep your Door Lock!

People coming to your house claiming that they are: Debts Collectors, Bank Loan Officers, Lawyers, Officers from the Court etc... EVENTHOUGH they show their FAKE Identification Cards. DO NOT OPEN your Door!!

If you Suspect anyone of them, you have the Right NOT TO OPEN your Door! If they Break your Door, DO NOT WAIT, IMMEDIATELY call the Police.

You can tell them to send the Documents by REGISTERED POST to you!

Deal everything Directly with the Creditor's Office, Bank's and Court's Office. Tell them Not to Waste YOUR Time and Their Time.
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answered on May 24, 2016 at 22:11
by   gadafi
Does the law are the still same now?

Have anything answered by vkpc still valid until now?

Thank you
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answered on May 25, 2016 at 01:13
by   kiki
Have anything answered by vkpc still valid until now?
Yes , still valid.
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answered on Oct 2, 2016 at 13:15
by   MOSIN
edited Oct 10, 2016 at 08:00
 
@Afiq

Tindakan apa yang telah diambil oleh anda selepas dinasihat oleh @vkpc dan @Sopan Santun?
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