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[Aduan] prosedur2/legal action untuk recovery of hutang piutang [cc, loan, etc]

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Post time 21-12-2006 03:36 PM | Show all posts |Read mode
assalamualaikum...

aku nak tanya skit,kawan  aku ni ada kad kredit,tapi dia dah tak mampu nak bayar so kad dia pun kena bar lah..sekarang ni dia hanya mampu bayar RM 50 sebulan untuk setiap kad visa dan master dia..
masalahnya satu hari bank tepon opis ni kata nak proceed kes ni (aku pun tak tahu apasal)
soklannya adakah kawan aku ni nak kena dakwa sebab tak bayar duit kad tu seperti sebanyak yang diminta kat penyata bulanan dia tu?adakah dia akan kena perintah muflis?
untuk pengetahuan,baki  hutangnya VISA= rm 1500,Master RM 1300

tima kasih pada yang membantu..

[ Last edited by  fairy_hobbit at 3-2-2007 11:40 PM ]
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Post time 21-12-2006 04:14 PM | Show all posts
pelik gak...kalu takat utang 1.5k & 1.3K tu, bkn ke at least kene baya dlm rm40-70 je bebulan?...kalu die baya min sum, so ape masalah bank nk proceed plak utk recover the outstanding?...:jeling:

advice aku, sblm bank nk proceed legal action still mmber ko leh diskas ngan bank...ckp dier mmpu baya bnyk tu je bbulan..at least baya gak...staun 2 abes la...

kalu bank nk proceed jugak...mmber ko x leh wat paper la...bank saman, dpt judgment pon bank nk proceed ngan execution judgment tuh, xkn menguntungkan bank..bank option: judgement debtor summons (JDS) ...mmber ko kene g court, explain kt court bape die sanggup baya..same je mcm ape dier wat skangni kan..or writ seisure n sale...sita jual barang milik mmber ko..nk mufliskan (bankruptcy) mmber ko xleh...at least utang RM30K br leh proceed ngan bankruptcy proceedings...
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Post time 21-12-2006 04:24 PM | Show all posts

Reply #2 philipinoe2's post

i cant seee the practicality for the bank to proceed with legal action in court with such small amount to be recovered.   new trend nampaknya ni.. as she cant afford to pay pun bila dpt judgment nanti, writ of seizure n sale is the likely probability for enforcement of j/ment.. ko pernah tgk tak org seize and sale property untuk individual bg hutang bawah 5k? biasanya apa yg they normally seize if amounttak severapa ni? :hmm:
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Post time 21-12-2006 04:44 PM | Show all posts

Reply #3 fairy_hobbit's post

amount sribu due nieh, bank instruction kalu dpt judgment diorg proceed ngan JDS (aku citer kt atas tuh)...so diorg serve JDS kt JD tuh, JD dtg court, kene soal la mcm2 Q, ape rete dier ade, ape utang2 lain yg dier ade, bape dier mmpu baya utk judgment tuh...last2 court order la bape dier patut baya...

reason pesal bank proceed ngan legal action notwithstanding small claim?..biase la, makan interest maaa...:cak:

WSS (aku citer atas tuh)...bnyk mkn duit...nk kene upah guard la, kene baya belif lagi blalalala..leceh, bank mmg x suke mende leceh cmtuh...kalu proceed ngan WSS, bank bg order WSS kt balif, bailif g la umah JD tuh, sita umah dier, kalua de rete dier, akan dilelong la utk recover utang2 dier..tp ade la exception mende2 yg bailif xleh usik/lelong/jual...
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Post time 21-12-2006 05:02 PM | Show all posts
betol ke bank yg tepon? atau debt collector aje kot? :hmm:
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Post time 22-12-2006 09:06 AM | Show all posts
betul ke hutang lebih dari RM30k dan tak mampu bayar je leh dideclare bangkrap?kalau setakat RM1.3 & RM1.5 macam tu kira selamat lah dari bangkrap kalau buka kes pun?
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agelgold This user has been deleted
Post time 22-12-2006 09:43 AM | Show all posts
aku rasa orang tu "cakap" je nak proceed. sebab sekarang ni dia bayar jugak. kalau hutang 2800, interest dia 42 inggit minimum payment dia 142.10. sejak bila dia mula bayar 50 tu? sebab kalau dia bayar 50, masih ada tertunggak 92.10. bulan seterusnya hutang tinggal 2792. campur interest jadi 2833.88 (tgk dia dah naik). miimum payment dia 141.70 + 92.10 yg tertunggak tadi. lepas tu bayar 50 lagi. menjelang bulan kedua ni bank dah mula bising dah.

kalau bank nak proceed pun buat mengabihkan boreh yo. dia kena pegi jumpa bank. terminate servis. lepas tu kawtim dgn bank pasal accumulative interest tu untuk bulan-2 akan datang. memang la tak senang. tapi cuba la.
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Post time 22-12-2006 10:25 AM | Show all posts
Biasanya lah.. bukan bank yang tepon.. tapi collector. kalau bayar collector dapat la komisen.. sebab tu la dia cakap macam2... sebenarnya gertak je tu.

tapi untuk precaution.. bayar je macam biasa sebab outstanding amount tu taklah banyak sangat.. takat bawah 4000 takkan jadi muflisnya... janji bayar.. jgn biar interest bertimbun-timbun.

nak senang... call bank kata nak buat settlement ... bayar bulan2.  bank akan suruh bayar amount besar skit la for the first payment says bout RM 500 ke... then diorang akan stop interest.  pastu bayar exactly berapa balance tinggal tetiap bulan.
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Post time 22-12-2006 12:45 PM | Show all posts
Originally posted by Minah Komando at 22-12-2006 09:06 AM
betul ke hutang lebih dari RM30k dan tak mampu bayar je leh dideclare bangkrap?kalau setakat RM1.3 & RM1.5 macam tu kira selamat lah dari bangkrap kalau buka kes pun?

yer... 30k dan keatas jer.. dulu2 10k dan keatas.
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Post time 22-12-2006 03:22 PM | Show all posts
sebenarnya taktik gertak kononnya kalau tak byr (w/pun nilai hutang kecil) akan diseret ke court memang berkesan
sebab tu collector buat mcm tu
aku dulu pernah diminta buat sistem utk kegunaan debt collector ni
salah satu req. dia ialah buat format surat yg kata hutang ni akan dibawa ke mahkamah jika engkar

sebenarnya sekalipun ko punya CC kena block dan cuma byr min. tiap2 bulan
tu lebih baik dari tak byr langsung
sekurang-kurangnya pada Bank dia tak berdepan dengan kes2 NPL
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agelgold This user has been deleted
Post time 22-12-2006 03:28 PM | Show all posts
dia akan hantar surat "TANPA PREJUDIS".

hahaha... biasa gak aku dapat surat ni
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Post time 22-12-2006 04:08 PM | Show all posts

kalau x mmpu menten/x mmerlukan CC, x pyh gatal2 nk pakai jugak..


Say No if you don? need a credit card

PUTRAJAYA: The Government cannot stop banks from issuing credit cards although the easy access to cards has raised concerns of overspending.

Deputy Finance Minister Datuk Dr Ng Yen Yen stressed that the Government could not restrict banks from issuing the cards as the process was legal.

She said, however, that the ministry would monitor the situation.  

?lthough the financial institutions are seen as desperate and eager to offer credit cards to the public, it does not mean one must take it,? she said adding that those with many credit cards must be disciplined and not spend more than they could afford.

?he public must be disciplined and reject offers of credit cards if they do not need one.

?t is difficult for the Government to intervene and stop banks from offering credit cards because it is legal and part of a bank's activities.?

Dr Ng, who met Pahang Federation of Chinese Associations members here, advised parents to teach their children about financial planning at an early stage.

Led by their chairman Tan Sri Pheng Yin Huah, the group raised concerns that banks were offering credit cards with very lenient conditions and that many Malaysians were having too many cards.

They hoped the Government would reintroduce micro credit for small businesses and offer tax exemptions for non-governmental organisations to build their premises.
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Post time 25-12-2006 10:46 PM | Show all posts
aku teringin nak pkai krdit kad
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Post time 26-12-2006 09:59 PM | Show all posts
takut gak aku nak guna cc.tp kalau nak beli brg online,nak wat camner??
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agelgold This user has been deleted
Post time 27-12-2006 09:09 AM | Show all posts
jimbait,

pakai ambank prepaid mastercard. ada duit, kau top-up, pastu pakai online
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Post time 29-1-2007 10:48 AM | Show all posts
eh.. tuan rumah.. nak tumpang gak...

cam nie... adik aku ade wat pinjam kat satu tabung ni.. milik kerajaan lahh.. mase die blajar dulu... totalnya RM 2,400 n dah lama x byr.. kena int.. naiklah RM 2,870... so peg tu suh byr ansuran 2x byr jer RM 1 ribu lebih.. but mana nak cari duit bebanyak tu...

so dia buat surat rayuan mohon RM 50 sebulan.. tu kira paling habis
mampu lahhh...

they all kata.. rayuan ditolak n x diterima... so smpi lah ni... tabung tu nak balclistkan nama p[eminjam n penjamin... masuk CTOS n CCRIS....

cuba ko bayang setakat RM 3000 leh blaclist ker... klu lebih 20K... br blacklist kan...

klu xleh settle wthin 14 days, nak dakwa kat mahkamah lahh...

so cam ner...

susahlah klu xleh give n take...ni... org nak byr x terima.. nak
bebanyak mana nak cari...

ape pendapat korang...

TQ
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Post time 10-10-2015 09:52 PM From the mobile phone | Show all posts
fairy_hobbit replied at 22-12-2006 12:45 PM
yer... 30k dan keatas jer.. dulu2 10k dan keatas.

Skrg kata ada nak buat new rule bagi kes bankrap iaitu nak up ksn amount
So $30k ok lagi lah
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Post time 10-10-2015 09:53 PM From the mobile phone | Show all posts
zorrozz replied at 29-1-2007 10:48 AM
eh.. tuan rumah.. nak tumpang gak...

cam nie... adik aku ade wat pinjam kat satu tabung ni.. mili ...

Dah settle belum prob ni
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Post time 11-10-2015 03:19 PM | Show all posts

dah dekat 10 tahun tuh...dah settle gamaknya.........
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Post time 14-2-2017 10:52 PM | Show all posts
oooo lagu tu ek
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