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Defense against bank

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asked on Mar 2, 2012 at 16:28
by   steven
Hi notalawyer,

Do I file my defense and file my Appeal to High Court together ?

Here is my defense.

Dalam Mahkamah Majistret Di Kuala Lumpur
Dalam Wilayah  Persekutuan Malaysia
Saman No : 72-xxxxx-xx/2011

ABC  Bank Bhd ……………………………………………………. Plaintif
XXXXXXXXXXXX (NRIC) …………………………. ……………….Defendan

PEMBELAAN  
Pembelaan Am
1. Tentang Perenggan 3—5, 7,  oleh kerana defendan tidak menerima dan tidak menandatangani dokumen  Surat Perjanjian Pinjaman Terma dengan nombor akaun XXXXXXXXXXX, defendan belum boleh menjawab tuntutan-tuntutan ini sehingga mendapat salinan dukumen tersebut.

2. Tentang Perenggan 6(a)—6(e), setelah defendan dibenarkan memasuki program AKPK, defendan tidak  pernah menerima Penyata-penyata  Akuan Bulanan Pinjaman Terma yang menunjukkan baki hutang dan faedah-faedah yang di cajkan oleh pihak plaintif, oleh yang demikian defendan juga belum boleh menjawab tuntutan-tuntutan ini sehingga mendapat salinan Penyata-penyata Akuan Bulanan semasa defendan dalam program AKPK

Pembelaan Tertentu
3. Tentang Perenggan 6(a)—6(e), semasa defendan dalam program AKPK,  defendan difahamkan oleh pegawai AKPK bahawa faedah yang dikenakan adalah 10% setahun keatas BAKI  pinjaman berterma sahaja,  pihak plaintif tidak boleh mencaj 1% faedah lewat bayaran , 1% faedah keingkaran bayaran dan  5% minima caj .  Oleh yang demikian,  plaintif telah melakukan kesalahan dalam kiraan faedah-faedah dan melanggar peraturan-peraturan AKPK dalam kiraan faedah-faedah tersebut.

4. Defendan menuntut kos pembelaan tindakan ini   

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

Pembelaan ini telah difailkan oleh
Defendan yang berlamat di ________________
___________________________________________
___________________________________________
Pada tarikh _______________________________
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answered on Mar 2, 2012 at 18:13
by   notalawyer
What is your defence strategy?
On one hand you say you don't have this credit card number.
On the other hand you sign up for AKPK for this credit card.
Why did you sign up for AKPK if you don't have this credit card?

Yes, you can file both together.
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answered on Mar 3, 2012 at 04:19
by   steven
Hi notalawyer,

My defence strategy is to delay the bank from getting a Summary Judgement.

I applied for this bank's home loan many years ago. Then the bank offer me a credit card since I was eligible due to my good payment records.

When I lost my job in 2009 and with huge debts from 10 banks, I could not afford to pay the minimum amount.
So I enrol for AKPK debt management programme in Feb 2010 and started paying the instalments to AKPK. And I defaulted my payment to AKPK in Apr.2011. My income not enough to pay AKPK.

Usually all credit cards debts, AKPK will negotiate with the banks to convert the debts into TERM LOANS with a new account no. However in this process, most of the banks just accepted the amount given by AKPK without giving the debtors a new term loans agreement to sign. Only AMBank do so and charge me RM10 for stamp fees.

The XXXXXXX I mark in the Pembelaan AM item (1) is the Term Loan Account No. not credit cards no.

I hope you are cleared with my explanation.

With regards to my Appeal what are the statements I should give and how many copies are required since I can do e-filing in Penang High Court

Thanks again for your help
steven
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answered on Mar 4, 2012 at 02:48
by   notalawyer
Maybe one line will do for the the defence.

1. Perenggan 3—5, 7-X Kenyataan Tuntutan dinafikan.
Defendan tidak pernah menerima ataupun menggunakan Kad Kredit yang bernombor XXXXXXX.

You don't have much time left.
Prepare the Notis Rayuan and post it here.
You need to file both at KL the latest 9th March ( 14 days ).
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answered on Mar 4, 2012 at 02:50
by   notalawyer
Sorry, maybe you can file at Penang Magistrate Court (not High Court) now with e-fling.
I propose you try to file on 7th or 8th March in case there is a problem and you need to travel to KL on the 9th.
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answered on Mar 4, 2012 at 16:01
by   steven
Hi notalawyer,

Here is the Notis Rayuan. But I don't have the Rayuan sivil No.

Dalam Mahkamah Tinggi Malaya di Pulau Pinang
RAYUAN SIVIL NO :
ANTARA

(xxxxxx-xx-xxxx)                                       _______________ Perayu
ABC Bank Berhad                                                               _______________Responden

Dalam Mahkamah Majistret di Kuala Lumpur
Dalam Wilayah Persekutuan, Malaysia
SAMAN NO : XX-XXXXXX-XX/2011
ANTARA

ABC Bank Berhad                                                              ______________ Plaintif
(xxxxxx-xx-xxxx)                                       ______________ Defendan
NOTIS RAYUAN

AMBIL PERHATIAN bahawa yang tidak puas hati dengan keputusan Puan < judge name>, Hakim, Mahkamah Majistret di Kuala Lumpur yang diberikan pada DD haribulan February, 2012, merayu kepada Mahkamah Tinggi di Pulau Pinang terhadap keseluruhan keputusan tersebut yang memutuskan bahawa permohonan Defendan untuk memindahkan kes ini ke Pulau Pinang telah ditolak dengan kos.
Bertarikh pada :                                           , 2012


_____________________

My name
Perayu/Defendan

Kepada:
1. Timbalan Pendaftar, Mahkamah Tinggi Pulau Pinang
2. Tetusan


Notis ini telah difailkan oleh defendan yang
Beralamat di < My Address>
Tel : xxx-xxxxxxx

(A) Do I need to file NOTIS PERMOHONAN and Afidavit Sokongan ?  Can use the old one ?

(B) If so, what should I said in the Notis and Afidavit.?

Many thanks for your help,
steven
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answered on Mar 4, 2012 at 16:29
by   notalawyer
(xxxxxx-xx-xxxx) _______________ Perayu
ABC Bank Berhad _______________Responden

Must also put bank company number after the bank name for both times.

Notis ini telah difailkan oleh defendan yang
Beralamat di < My Address>
Tel : xxx-xxxxxxx

You must put your name before address, and preferably add a fax number in case the court need to fax you.

(A) Do I need to file NOTIS PERMOHONAN and Afidavit Sokongan ? Can use the old one ?
   (B) If so, what should I said in the Notis and Afidavit.?

No need to file anything else.

Leave blank the Rayuan Sivil No:, it will be filled up for you.
File both defence at the Magistrate's Court, not High Court!
After you manage to print from efiling website, send a copy of each to bank law firm by registered mail accompanied by cover letter.
After that, within 4 weeks of filing the Notis Rayuan, you need to file the Rekod Rayuan at the Penang High Court. ( not magistrate court )
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answered on Mar 4, 2012 at 16:32
by   notalawyer
Correction:
File both defence and Notis Rayuan at the Magistrates Court, not High Court!
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answered on Mar 4, 2012 at 17:32
by   steven
Hi notalawyer,

Bank's lawyer did not mention the bank registration no. in all letters, Is it necessary? I also do not have a fax no. Can I provide my email?

Here is the Correction I made:

Dalam Mahkamah Majistret di Kuala Lumpur
Dalam Wilayah Persekutuan, Malaysia
RAYUAN SIVIL NO :
ANTARA

(xxxxxx-xx-xxxx)                                       _______________ Perayu
ABC Bank Berhad                                                            _______________Responden

Dalam Mahkamah Majistret di Kuala Lumpur
Dalam Wilayah Persekutuan, Malaysia
SAMAN NO : XX-XXXXXX-XX/2011
ANTARA

ABC Bank Berhad                                                              ______________ Plaintif
(xxxxxx-xx-xxxx)                                       ______________ Defendan
NOTIS RAYUAN

AMBIL PERHATIAN bahawa yang tidak puas hati dengan keputusan Puan < judge name>, Hakim, Mahkamah Majistret di Kuala Lumpur yang diberikan pada DD haribulan February, 2012, merayu kepada Mahkamah Majistret di Kuala lumpur terhadap keseluruhan keputusan tersebut yang memutuskan bahawa permohonan Defendan untuk memindahkan kes ini ke Pulau Pinang telah ditolak dengan kos.
Bertarikh pada :                                           , 2012


_____________________
                                                                                                                                        My name
Perayu/Defendan

Kepada:
1.  Pendaftar, Mahkamah Majistret Kuala Lumpur
2. Tetusan


Notis ini telah difailkan oleh defendan XXXX XXX XXXX
Yang Beralamat di < My Address>
Tel : xxx-xxxxxxx
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answered on Mar 4, 2012 at 20:21
by   notalawyer
Bank's lawyer did not mention the bank registration no. in all letters, Is it necessary?
The summons has the bank registration number. Use it.

Email is better than nothing i guess...
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answered on Mar 4, 2012 at 20:41
by   steven
I look thru the summon and all the letters send by lawyer, there was NO company registration no.

How? Even the previous credit cards statements also can't find the company registration no.
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