Advertisement

How to self-represent in Court and fight my credit card debt case

1608 Views  ⚫  Asked 3 Years Ago
asked on Sep 5, 2014 at 18:11
by   Aurora
edited on Dec 19, 2016 at 05:31
 
I will appear for a case management next Monday for my credit card debt now amounting above RM30,000 by a commercial bank.

For information, I was the employee to the said commercial bank until I left in June 2004. At that point of time, I had my BBA and credit card debts under their book. My ex-employer managed to liaise with me at my current employer's office and I managed to restructure my BBA with my ex-employer and have been promptly serviced my monthly installment.

However, I did not get in contact with my ex-employer with regards to my credit card, which I had stopped using since 2003 and due my ignorant, I didn't keep track of how much was outstanding under the said card (my limit was RM5,000 if am not mistaken). No correspondence was received from my ex-employer on the said debt until they sent in a debt collector to call me at my current workplace back in 2008. I told the collector that I wanted to deal directly with the bank and managed to speak to a lady bank officer. As I didn't have the information on the outstanding debt at my point of leaving in June 2004, I asked for my credit card statement as I was told my current outstanding at that point of time in 2008 was more than RM20,000. No statement was given and I asked the officer if the bank would consider converting my credit card debt into a term loan so I could settle off progressively within my limit of financial capacity. However, she called to inform that they didn't do that. No call or any letter was issued (to my knowledge) after that.

In late May 2014, I received a system-generated letter from the bank saying that they have appointed the same debt collector and on 3 July 2014, a despatch from the said collector's firm came to my officer handing me a notice from the collector's solicitor that they will take necessary recovery actions against me. I told the despatch that this is wrong and I refused to accept it. He then gave me a note scribbled with the name of the officer in the collector's office with his contact no. I was fuming mad. Later that day, while I was away from my desk at work, the said officer from the collector's office called my extension and it was tapped by my colleague. He started to rant and accused my colleague of lying when my colleague told him that she just tapped my line. My terrified colleague told me her ordeal and I wrote a complaint letter to the bank and carbon copied to Bank Negara Malaysia (BNM), the debt collector and all other relevant agencies, stating that I would only deal with the Bank, requested for bank statement on the card and informed them that I would not hesitate to lodge a police report if continued harassment being made by their debt collector. I also stated that I am willing to challenge them in court under Section 6(1) of the Limitation Act. The said letter was emailed and faxed to respective parties on the same day.

No calls or letters were made pursuant to that incident until I received, on 5 August 2014, a letter of recall/termination from the Bank’s lawyer dated 7 July 2014 stating that I need to settle within 7 days from the date of the said letter failing which they have the bank’s instruction to take legal proceedings against me. Subsequently, I received on 15 August 2014 a letter from the Bank dated 9 July 2014 responding to my complaint in July 2014. They informed me that the statement was sent promptly to my old office address (a branch of that bank). I was to inform them of any change in mailing address. They also informed me that they are looking seriously at the harassment allegation against their collector and asked me to provide the details of my colleague for their investigation. They mentioned that it is their right to appoint any agent to collect the sums due and that I may discuss with their collector on the settlement proposal whenever the collector contact of visit me.  They have also stated that I have breached Banking and Financial Institutions Act (BAFIA) due my suspended payments with them (my current employer is not governed by BAFIA by the way). Sadly, such delay has jeopardized my remedial chances as no proper and timely notification has been made by them both before they could take any legal actions against me. I responded their letter on 15 August 2014 and faxed to them on the same date.

On 22 August 2014, I received a letter from their lawyer dated 13 August 2014, extending their filed writ of summons and statement of claims dated 24 July 2014. I am required to attend a case management on 8 September 2014 failing which a Judgment in default would be issued. A few days later, someone from the collector’s called me up and I informed her of my intention to be in court on the stipulated date. As I want to self-represent, I have filed a Memo of Appearance with the said Court.

People feel that I should just go and settle the debt. I wanted too before this but how am I to settle if I cannot get another loan with this record and I have before proposed for progressive repayment. Now that I am that this juncture of no return, I would like to seek a sound opinion from Lawyerment on how to prepare for this case.

Thanking all in advance!
0 had this question
Me Too
0 favorites
Favorite
[ share ]
84 Answers
« Previous   1   2   3   4   5   6   7   8   9   Next »  Last »

answered on Sep 8, 2014 at 20:00
by   notalawyer
How did this happen?
Did you file your Memorandum Kehadiran earlier and did you get a receipt for the filing?
0 found this helpful
Helpful

answered on Sep 8, 2014 at 20:25
by   Aurora
edited Dec 19, 2016 at 06:20
 
Dear @Notalawyer

As you can see from my first message, the writ of summon was filed on 24.07.2014 and the lawyer sent it to me via their letter dated 13.08.2014 and I only received it on 22.08.14. They said I didn't file within 14 days of the filing date. I have my receipt of filing of memo of appearance.
0 found this helpful
Helpful

answered on Sep 8, 2014 at 21:02
by   notalawyer
edited Dec 19, 2016 at 06:21
 
Okay. Prepare your 'Notis Permohonan' to set aside the Judgement in Default (JID) and also your 'Afidavit Sokongan' and post it here for checking. Do not delay.

This JID can be set aside.
0 found this helpful
Helpful

answered on Sep 10, 2014 at 17:32
by   Aurora
edited Dec 19, 2016 at 06:26
 
Dear @Notalawyer

My apology for late reply. Here's my 'Notis permohonan' to strike out the JID:

DALAM MAHKAMAH MAJISTRET DI KUALA LUMPUR
DALAM NEGERI WILAYAH PERSEKUTUAN, MALAYSIA
GUAMAN NO : ................ TAHUN 2014
ANTARA
XXXXXXXXXXXXX                                                      .. PLAINTIF
DAN
YYYYYYYYYYYYY (No. K/P: ..............)                            .. DEFENDAN

NOTIS PERMOHONAN
(Permohonan Defendan untuk Mengenepikan Permohonan Penghakiman Ingkar Kehadiran)
AMBIL PERHATIAN bahawa Defendan yang dinamakan di atas bercadang untuk memohon kepada Mahkamah Majistret Kuala Lumpur pada ………………..2014, pukul ………. am/pm untuk suatu perintah dibawah Aturan 29, Kaedah 14, Kaedah-Kaedah Mahkamah Rendah 1980 untuk mengenepikan Penghakiman Ingkar Kehadiran dengan kos dibayar oleh Plaintif.
Alasan – alasan untuk permohonan ini adalah seperti berikut:-
1. Defendan telah menghadirkan diri pada tarikh dan masa yang ditetapkan oleh saman di Mahkamah Majistret Kuala Lumpur tetapi telah diberitahu bahawa Penghakiman Ingkar Kehadiran telahpun dimasukkan pada hari yang ditetapkan di dalam saman.
2. Saman yang dikirimkan oleh plaintif kepada defendan adalah cacat kerana tiada Notis Kehadiran yang dilampirkan.
3. Hak-hak defendan untuk membela diri telah terprejudis.
4. Alasan-alasan lain seperti yang dinyatakan dalam Afidavit Sokongan.
Bertarikh pada: ................................... 2014

.........................
Pendaftar
MAHKAMAH MAJISTRET MALAYA
KUALA LUMPUR

Notis Permohonan ini difailkan oleh Defendan yang beralamat di:-
Nama: YYYYYYYYYYYYY
Alamat: ......................
Telefon: .....................
0 found this helpful
Helpful

answered on Sep 10, 2014 at 17:34
by   Aurora
edited Dec 19, 2016 at 06:28
 
My Afidavit Sokongan

DALAM MAHKAMAH MAJISTRET DI KUALA LUMPUR
DALAM NEGERI WILAYAH PERSEKUTUAN, MALAYSIA
GUAMAN NO : ..................TAHUN 2014
ANTARA
XXXXXXXXXXXXXXXXXX                                                       .. PLAINTIF
DAN
YYYYYYYYYYYYYYY(No. K/P: ...............)                                .. DEFENDAN
AFIDAVIT SOKONGAN
(Menyokong Permohonan Defendan untuk Mengenepikan Permohonan Penghakiman Ingkar Kehadiran)
Saya, YYYYYYYYYYYYY (No K/P: ZZZZZZZZZZZZZZ), adalah warganegara Malaysia yang cukup umur dan beralamat di AAAAAAAAAAAAAAAAAAAAAAAA, dengan sesungguhnya berikrar dan menyatakan seperti berikut: -

1. Saya adalah defendan dalam saman ini.
2. Semua fakta-fakta yang dideposkan di sini berdasarkan kepada pengetahuan peribadi saya.
3. Saya mengikrarkan afidavit ini untuk menyokong Permohonan saya untuk mengenepikan Permohonan Penghakiman Ingkar Kehadiran terhadap saya yang difailkan di Mahkamah pada 8 September 2014.   
4. Plaintif telah gagal menyampaikan saman tersebut  kepada saya melalui penyerahan sendiri atau pos berdaftar dan hanya memaklumkan saya berkenaan saman tersebut melalui surat peguamcara mereka bertarikh 13 Ogos 2014 (“Eksibit D1”) yang dihantar secara pos biasa. Saya hanya menerima surat tersebut pada 22 Ogos 2014 – hampir sebulan selepas saman saya difailkan di mahkamah.
5. Plaintif juga tidak melampirkan mengandungi Notis Kehadiran yang perlu dilampirkan bersama saman tersebut.
6. Walaupun lewat dimaklumkan mengenai saman tersebut, saya telah menfailkan Notis Kehadiran saya di Mahkamah pada 3 September 2014 (“Eksibit D2”) untuk  menghadiri Pengurusan Kes di Mahkamah Majistret, Jalan Duta pada tarikh 8 September 2014 pukul 2 petang.
7. Pada hari dan waktu yang ditetapkan berkenaan, saya telah dimaklumkan pegawai di Kaunter Tingkat 3, Mahkamah Majistret Jalan Duta bahawa tiada pengurusan kes akan dijalankan kerana pihak Plaintif telah menfailkan Penghakiman Ingkar Kehadiran ke atas saya pada hari yang sama.
8. Oleh kerana Penghakiman dimasukkan tanpa pengetahuan saya, hak-hak saya untuk membela diri dalam proses Mahkamah yang adil telah terhakis dan terprejudis.
9. Dengan ini, saya dengan rendah diri memohon Penghakiman Ingkar tersebut diketepikan dengan kos.

Berkenaan dengan Afidavit oleh Deponen )
yang bernama XXXXXXXXXXXXXX  )
yang diikrar di Kuala Lumpur  )
pada .................... 2014

          Di hadapan saya,

          ....................
          PESURUHJAYA SUMPAH
0 found this helpful
Helpful

answered on Sep 10, 2014 at 17:37
by   Aurora
edited Dec 19, 2016 at 06:31
 
My cover letter for Exhibits to support the Affidavit.

Note: I intend to exhibit the letter from the lawyer and my receipt for filing of memo of appearance. Your comment please Notalawyer. Thanks.

DALAM MAHKAMAH MAJISTRET DI KUALA LUMPUR
DALAM NEGERI WILAYAH PERSEKUTUAN, MALAYSIA
GUAMAN NO : .............TAHUN 2014
ANTARA
XXXXXXXXXXXXXXXXXXX                                                       .. PLAINTIF
DAN
YYYYYYYYYYYYYYYYY(No. K/P: ..............)                                .. DEFENDAN

PERAKUAN MENGENALPASTI EKSIBIT
Saya dengan ini mengesahkan bahawa yang berikut ini adalah eksibit yang ditandakan sebagai “D1” yang dirujukan dalam Afidavit Sokongan Defendan oleh
YYYYYYYYYYYYYYY (No K/P: ...............), yang diikrarkan pada ................. 2014.

Di hadapan saya,

.............................................
PESURUHJAYA SUMPAH

DALAM MAHKAMAH MAJISTRET DI KUALA LUMPUR
DALAM NEGERI WILAYAH PERSEKUTUAN, MALAYSIA
GUAMAN NO : .................TAHUN 2014
ANTARA
XXXXXXXXXXXXXXXXX                                                       .. PLAINTIF
DAN
YYYYYYYYYYYYYY(No. K/P: ................)                              .. DEFENDAN

PERAKUAN MENGENALPASTI EKSIBIT
Saya dengan ini mengesahkan bahawa yang berikut ini adalah eksibit yang ditandakan sebagai “D2” yang dirujukan dalam Afidavit Sokongan Defendan oleh
XXXXXXXXXXXXX (No K/P: YYYYYYYYYYYYYY), yang diikrarkan pada ..................... 2014.

Di hadapan saya,

.............................................
PESURUHJAYA SUMPAH
0 found this helpful
Helpful

answered on Sep 10, 2014 at 18:55
by   notalawyer
untuk suatu perintah dibawah Aturan 29, Kaedah 14, Kaedah-Kaedah Mahkamah Rendah 1980
Kaedah-kaedah Mahkamah Rendah 1980 has been changed to Kaedah-kaedah Mahkamah 2012.
You need to buy this book from MPH or Popular.

The reasons you give in the Notis Permohohan is not correct.
It should be

a. Writ Summons was sent late to you  ( exhibit the letter and the envelope )
b. You should be given 14 days to file the Memorandum Kehadiran. ( exhibit your filing receipt )
c. Bank lawyer was informed that you will be filing a Memorandum Kehadiran, yet they filed for JID.
d. Plaintif tried to "steal a march" on you by sending the Writ late and then file for JID.
e. Notis Kehadiran was not given together with Writ Summons ( are you sure about this? )
f. The debt claimed by plaintif is Limitation Barred, so actually plaintif have no cause for action.

Please change your Notis Permohonan and also Afidavit with these improvements and re-post.
0 found this helpful
Helpful

answered on Sep 10, 2014 at 19:51
by   Aurora
edited Dec 19, 2016 at 06:35
 
Thank you @Notalawyer

You need to buy this book from MPH or Popular
OK. Will do.

Please change your Notis Permohonan and also Afidavit with these improvements and re-post
OK. Thanks.
0 found this helpful
Helpful

answered on Sep 10, 2014 at 21:09
by   Aurora
edited Dec 19, 2016 at 06:36
 
Improvised 'Notis Permohonan':

NOTIS PERMOHONAN
(Permohonan Defendan untuk Mengenepikan Permohonan Penghakiman Ingkar Kehadiran)
AMBIL PERHATIAN bahawa Defendan yang dinamakan di atas bercadang untuk memohon kepada Mahkamah Majistret Kuala Lumpur pada ................ 2014, pukul ...... am/pm untuk suatu perintah dibawah Aturan 29, Kaedah 14, Kaedah-kaedah Mahkamah 2012 untuk mengenepikan Penghakiman Ingkar Kehadiran dengan kos dibayar oleh Plaintif.
Alasan – alasan untuk permohonan ini adalah seperti berikut:-
1. Defendan telah menghadirkan diri pada tarikh dan masa yang ditetapkan oleh saman di Mahkamah Majistret Kuala Lumpur tetapi telah diberitahu bahawa Penghakiman Ingkar Kehadiran telahpun dimasukkan pada hari yang ditetapkan di dalam saman.
2. Plaintif telah lewat menghantar saman kepada Defendan.
3. Saman yang dikirimkan oleh plaintif kepada Defendan juga adalah cacat kerana tiada Notis Kehadiran yang dilampirkan.
4. Hak-hak defendan untuk membela diri telah terprejudis.
5. Alasan-alasan lain seperti yang dinyatakan dalam Afidavit Sokongan.
0 found this helpful
Helpful

answered on Sep 10, 2014 at 21:10
by   Aurora
edited Dec 19, 2016 at 06:37
 
Improvised 'Afidavit Sokongan':

1. Saya adalah defendan dalam saman ini.
2. Semua fakta-fakta yang dideposkan di sini berdasarkan kepada pengetahuan peribadi saya.
3. Saya mengikrarkan afidavit ini untuk menyokong Permohonan saya untuk mengenepikan Permohonan Penghakiman Ingkar Kehadiran terhadap saya yang difailkan di Mahkamah pada 8 September 2014.
4. Plaintif telah lewat menghantar writ saman bertarikh 24 Julai 2014 kepada saya melalui surat peguam Plaintif bertarikh 13 Ogos 2014, yang hanya diterima saya pada 22 Ogos 2014 melalui penghantaran pos biasa (“Eksibit D1”).
5. Saya sepatutnya diberi tempoh 14 hari dari tarikh penerimaan writ saman tersebut untuk memasukkan kehadiran saya di Mahkamah (“Eksibit D2”).
6. Peguam Plaintif telah dimaklumkan tentang kemasukan kehadiran Defendan di Mahkamah. Walau bagaimanapun, mereka tetap menfailkan Penghukuman Ingkar Kehadiran.
7. Writ saman yang telah diposkan kepada saya juga cacat kerana tiada Notis Kehadiran yang dilampirkan.
8. Tindakan-tindakan Plaintif di atas ternyata cuba menidakkan hak-hak saya untuk membela diri apabila lewat menghantar writ saman dan seterusnya bertindak menfailkan Penghakiman Ingkar Kehadiran.
9. Hutang yang dituntut Plaintif telah melebihi had masa di bawah Seksyen 6(1) Akta Had Masa 1953 dan dengan ini, Plaintif tiada sebab untuk menyaman saya.
10. Dengan ini, saya dengan rendah diri memohon Penghakiman Ingkar tersebut diketepikan dengan kos.
0 found this helpful
Helpful


« Previous   1   2   3   4   5   6   7   8   9   Next »  Last »

Your Answer





By posting your answer, you agree to the privacy policy and terms of service.