PRAECIPE

siakyaw

收到律师信。叫我上庭。是信用卡的。。。。我想分期还银行。。。但是要怎么做？ 我想回复那个notis...但是里边有一个是叫我要还一个praecipe 是RM4...那个是什么东西啊？有谁可以帮我？

derekting2u

回复 1# siakyaw
打电话给bank/他们的律师问他们谁是那银行的Legal Officer？跟他们说你要Settle,不过没有能力pay in lump sum！不然就去AKPK 请他们跟BANK negotiate! 通常debtor有诚意settle bank 都会考虑的。

PRAECIPE 是court fee来的。如果你要defense 你的case, 就file a notice of appearance and send it to registrar 和还PRAECIPE。

siakyaw

回复 2# derekting2u


    谢谢你的回复。。不过你方便给我你的电邮吗？因为我想你帮帮忙看看和解释给我一下如何去解决。。。。对不起给你添麻烦了。。。。

siakyaw

回复 3# siakyaw

什么是AKPK？对不起我不知道。。 如果不想上庭就不需要付PRAECIPE？ 对不起我太多疑问了。。。。因为我不懂。。。。。需要你的帮忙。。。。谢谢

siakyaw

如果我在上庭之前把债务还清。。。可以吗？？？

derekting2u

回复 4# siakyaw

Agensi Kaunseling Dan Pengurusan Kredit (AKPK)
如果不想上庭就不需要付PRAECIPE？
YEs, MYS 4 is only for the court fee. If I not mistake, the court fee is for filling a notice of appearance. Even, if you decided to negotiate will bank. Unless and untill they accept your proposal and with written confirmation (signed by the bank legal officer on behalf of the said bank) from bank. Please remember to appear before the court on the said date. All you need to do is to file the Notice of Appearance with the MYS 4 to the registrar.
If you fail to attend, Bank panel lawyer will apply for Judgement in Default of apperance. When they get the Judgement, they are on the way to send you a bankruptcy notice!

如果我在上庭之前把债务还清。。。可以吗？？？Sure you can. It is preferable if you can afford to do so! The will discontinue the case!
If you can't pay a lump sum, negotiate with them.If they accept normally the bank will instruct the panel lawyey to Keep In View (KIV). They will postpone the legal proceeding. If there is any default, again, they will instruct the panel lawyer continue with the bankruptcy proceedings.

siakyaw

回复 6# derekting2u


    谢谢你的资料。。。真的谢谢你。。。。那我尽快在上庭前马上把债务还清。。。然后就可以了。。。对吗？？？

derekting2u

回复 7# siakyaw

Yes, but kindly notify the bank of your intention to settle the default payment. You should discuss how are you going to pay and when the said sums will be settle in full.
Remember to get written confirmation whatever agreement between the bank and you. Just incase they denial the said agreement exist. If you made a promise, please follow it! Last time, the bank legal officer had instruct my firm to paid a special attention to a particular case. After, the negotiation, the debtor remain default several payment. Of course, this is a very large sums. Nontheless, if you screw bank they will screw you back; upside -down and left-right

长空任我翱翔

回复  derekting2u


    谢谢你的资料。。。真的谢谢你。。。。那我尽快在上庭前马上把债务还清。。。 ...
siakyaw 发表于 17-11-2010 02:47 PM

可以不过记得一切都要有黑白字为证。不然，如果有一天银行不认账，麻烦多多。
还有你应该知会银行和应该指定的律师楼，你要settle all the credit card debts.

siakyaw

对了。。。想请教一下。。这段期间我出国有问题吗？？？

derekting2u

回复 10# siakyaw

可以，因为你还没破产。

siakyaw

回复 11# derekting2u


    谢谢你的资料。。。

siakyaw

请问你们有例子可以参考吗?我不知道和银行的黑白字 要怎麽写?

derekting2u

请问你们有例子可以参考吗?我不知道和银行的黑白字 要怎麽写?
siakyaw 发表于 27-11-2010 11:05 PM

Refer to our conversation on 12/12/2012, I would like to confirm our understanding on the matter of Bank v. Xxx. All legal proceeding shall be discontinue on the condition that Xxx, made the payment/installment before 13/13/2013.
不用太过复杂，你跟银行的email corresponding 就足够了。

siakyaw

谢谢你!!!!@