Lawyerment Discussion Forum
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 | Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | 1818 | |
| Hi notalawyer,
1. If the bank's lawyer agrees to mention on my behalf to the judge that I need 4 weeks to find a lawyer, does that mean I don't need to be at the 026A hearing?
2. Whether the judge gives me (in person or via the bank's lawyer) 4 weeks to find a lawyer, I'll be filing an Afidavit Jawapan Defendan with this one and only point (below), is this good enough? I can't think of anything else.
"I wish to request and examine all the active balance transfer account agreements I have signed with the plaintiff because in November 2009, when I went to the plaintiff's Holiday Plaza branch in Johor Bahru to discuss settling in full all of my balance transfer accounts but was informed by a staff there that I was not allowed to do so due to their balance transfer agreements and they refused to give me a copy of that agreement at that time."
3. In the event the judge agrees with the plaintiff that I have no case, thus, there is no need to find a lawyer and instead proceed with 026A on the hearing day itself, is there anything I can still do? | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | notalawyer | |
First you must understand what hole you are pursuing.
Your current hole goes like this.
If you can prove that the bank "wrongfully" refused full settlement when you offered to settle, then the bank has no rights to any further claims. This is a fatal hole if it can be proven.
Get your wife to go to a bank branch and pretend to want to apply for a credit card. (ask for the forms)
Note down the bank officer's name.
Then write this in your affidavit.
3. Pada sekitar bulan Nov 2009, (time this about near the time you defaulted) saya berjumpa dengan seorang pegawai bank di Holiday Plaza, Johor Bharu, bernama Cik Alice Lim untuk berbincang tentang pembayaran penuh kad kredit tersebut.
Pegawai tersebut menolak tawaran pembayaran penuh saya dengan alasan ada Perjanjian Pemindahan Baki yang tidak membenarkan pembayaran penuh. Saya meminta salinan Perjanjian Pemindahan Baki tersebut tetapi beliau enggan memberikan kepada saya. Sehingga hari ini, salinan Perjanjian Pemindahan Baki tidak diberi kepada saya.
You don't need to specifically request for the agreement, because if he bank refuses to supply you the agreement in a reply affidavit or did not reply, it can be taken that they admit to wrongfully refusing payment and they also have have something to hide in the balance transfer agreements.
and since you now deny the debt because of this fatal action by the bank in refusing your offer to settle, you must deny a few selected paragraphs of the bank's Order 26A affidavit.
3. In the event the judge agrees with the plaintiff that I have no case, thus, there is no need to find a lawyer and instead proceed with 026A on the hearing day itself, is there anything I can still do?
Once the bank lawyer agrees to ask for time to find a lawyer on your behalf, it shows that they do not object to your request for extra time. The judge will not proceed with the hearing unless they request for it.
Make sure they confirm with you by email that they will do what you ask. | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | 1818 | |
| Hi notalawyer,
Thank you for the sharp rebuttal advice. I'll certainly use it.
I am also thinking of asking for ALL the balance transfer agreements I signed with the bank over the last few years, should I just include it in my Afidavit Jawapan Defendan, right after the rebuttal you advised?
Oh, by the way, a bit of good news for me, the bank's lawyer agreed via email to mention on my behalf on 23 Aug, thanks to you again (at least partly), the reason I gave her... "I have contacted several law firms in KL, all of them have declined to take my case citing conflict of interest (they are either on many banks' panel of lawyers, including your client's or applying to be on their panel). I also went to BOTH Jabatan Bantuan Guaman and Legal Aid Centre (in KL & JB), they can't help me either." This is actually great news for me, I saved 2 days of my life and about RM250! | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | notalawyer | |
| I am also thinking of asking for ALL the balance transfer agreements I signed with the bank over the last few years, should I just include it in my Afidavit Jawapan Defendan, right after the rebuttal you advised?
The more holes the merrier.... | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | 1818 | |
| Hi notalawyer,
I finally got a new hearing date (27 Sept) to "defend" myself, my question is...
Is 22 Sept or 23 Sept a better date to submit my affidavit to request for documents from the bank?
[The plan, obviously, is to "force" another new hearing date as far in the future as possible.] | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | notalawyer | |
You don't request for documents.
You force them to cough up the documents by virtue of your statements in your affidavits, the way I taught you.
If you file affidavits more than 14 days after the bank's last affidavit, the bank might request that the affidavit be rejected by the court. If they do request that, you need a good excuse on why it was filed late, like your mother was sick or something.
If the bank thinks that your affidavit is not worth replying, they may stop there and go for the Order 26A hearing on Sept. You can only force a new hearing date if the bank requests for more time to reply to your affidavit.
So make sure your affidavit carries weight.
Good Luck. | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | 1818 | |
| Thanks, notalawyer, very, very useful advice! | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | notalawyer | |
| On the other hand, please note that the subordinate courts are more lenient on filing times of affidavits compared to the High Court. This means that even if you file an affidavit 5 weeks after the last bank's affidavit, there is only a small percentage chance that the bank will object because there is a high chance that the court will allow it due to you acting in person. | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | 1818 | |
| Hi notalawyer,
Will this be in my favour... although the bank filed their 026A "Notis Permohonan" & "Afidavit" on 11 August for 23 August hearing (which has now been postponed till 27 Sept for me to find a lawyer), their 11 August "Notis Permohonan" & "Afidavit" HARD COPY sent to me by registered post has yet to reach me.
Only their email version has, on 11 August itself, however, I have informed the bank's lawyer that I am unable to open their HUGE affidavit file, thus, I'm still waiting to let my "lawyer" read their "Notis Permohonan" & "Afidavit" before my "lawyer" can reply.
The above should buy me some time, right? It is the truth anyway. | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | notalawyer | |
| Actually, if you complain that you have not yet received the sealed copy (original stamped copy by the registrar ) for the application, the hearing will have to be postponed to another date.
However, if the bank can show that they have already sent by registered mail much earlier and you were given enough time, the judge might decide to get on with the hearing.
I think you should concentrate more on how to defeat the Order26A application than to keep thinking on how to postpone. | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | 1818 | |
| Thanks again, notalawyer, I'll file my affidavit accordingly, to try to defeat their 026A application. If I don't or if I do, what's next? (By the way, their 026A "Notis Permohonan" & "Afidavit", dated 11 August, only arrived today, 24 August, which I have informed their lawyer.) | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | 1818 | |
| Hi notalawyer,
Regarding your point to defeat this 026A application...
"You don't need to specifically request for the agreement, because if he bank refuses to supply you the agreement in a reply affidavit or did not reply, it can be taken that they admit to wrongfully refusing payment and they also have have something to hide in the balance transfer agreements. And since you now deny the debt because of this fatal action by the bank in refusing your offer to settle, you must deny a few selected paragraphs of the bank's Order 26A affidavit."
I confirmed earlier today (24 Aug) by calling the bank's employee (I've his full name), he told me that if I were to settle in full any Balance Transfer (BT) accounts before the BT period ends, I'll be charged an early settlement fee, it does not mean I am not allowed to settle the amount in full, this is stated in the BT application form. Based on this, do you think I could still defeat their 026A application?
If not, what else can I do? For me, as long as I can drag this out for a few more months, I'd be happy. | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | notalawyer | |
Why you worry so much...
You just swear that the guy told you that you cannot settle in full when you went there to try to pay in full.
They did not mention about penalties on that day, just that you cannot settle, and some more they refused to give you a copy of the BT agreement.
Let them reply to your affidavit.
If the poor guy is too coward to personally sign the affidavit as a deponent, he will ask another manager to reply saying that the incident you mentioned did not happen.
This is where you can catch them, because in a affidavit, you are supposed to swear that what you say is true, not swear that what you believe is true. A person who have personal knowledge of the incident should be the one swearing, not some manager who wasn't there.
However, in an interlocutory application like Order 26A, a person without personal knowledge can swear on something that he believed is true, but only if he states the grounds (reasons) of that belief.
If he did not state in his affidavit the grounds of his belief, (like for example, he interviewed the poor guy on a certain date), the bank's denial of your complaint (that you were prevented from paying off in full) is an insufficient denial and therefore it must be taken that what you swear is true.
On top of that, you could also mention in later submissions (skeletons) that the fact that the person with personal knowledge dare not swear in an affidavit that what you say is not true shows that they have something to hide. This fact alone is a triable issue that can defeat the Order 26A.
Since this hole is your major point of attack, it may be beneficial to add other "decoys" in your affidavit so that they don't realize the importance of this hole.
Other decoys that you could add to make them kelam kabut
1. After you signed the various BT forms, they did not give you a copy of the form, the agreement or the terms.
This is a violation of Contract Act.
2. When the credit card sales girl first asked you to apply for the card, they told you that it will be "free for life" but later they charged you annual fees, tax and whatnot.
3. You sent them a letter stating your change of address but they refused to effect the change. Therefore it is unfair to you because you could not receive the Credit Card Statements for the last 18 months and could not verify the amount owed.
4. Whatever crazy ideas you can think of. | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | 1818 | |
| Wow! Amazingly awesome defense! I'll absolutely use it in my affidavit. If you could copy and paste them in Bahasa here, that would help me a great deal, my BM is so bad, it will take me forever to get it right.
Thank you! | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | 1818 | |
Wow! Amazingly awesome defense! I'll absolutely use it in my affidavit. If you could copy and paste them in Bahasa here, that would help me a great deal, my BM is so bad, it will take me forever to get it right.
Thank you! | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | vkpc | |
| Aiyah,
Now is your chance to brush up on your Malay.
You will need it on hearing day.
Post you full affidavit here. | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | 1818 | |
| Hi notalawyer,
How is this...
In November 2009, when the defendant went to the plaintiff's branch in Taman XXX, Johor Bahru to settle all the defendant's Balance Transfer accounts in full, the plaintiff's staff, Encik XXX, did not allowed the defendant to settle any of his Balance Transfer accounts citing the Balance Transfer agreement does allow a Balance Transfer account that has not mature yet to be settled in full. When the defendant asked for a copy of the Balance Transfer agreement, the plaintiff's staff, Encik XXX, could not produce a copy of that agreement. Those Balance Transfer account numbers are as follows: XXX, XXX and XXX. This is a violation of Contract Act.
If the above is good, can anyone help translate it to BM please, thanks! | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | notalawyer | |
3. Pada sekitar bulan Nov 2009, (time this about near the time you defaulted) saya berjumpa dengan seorang pegawai bank di Holiday Plaza, Johor Bharu, bernama Cik Alice Lim untuk berbincang tentang pembayaran penuh kad kredit tersebut.
Pegawai tersebut menolak tawaran pembayaran penuh saya dengan alasan ada Perjanjian Pemindahan Baki yang tidak membenarkan pembayaran penuh. Saya meminta salinan Perjanjian Pemindahan Baki tersebut tetapi beliau enggan memberikan kepada saya. Sehingga hari ini, salinan Perjanjian Pemindahan Baki tidak diberi kepada saya.
The already given example is better.
In an affidavit, you use the first person naming to refer to yourself, ie you use "I", not "the defendant."
In submissions, you use the third person naming.
By saying that "they refused to give you the BT agreement", it carries more weight than "they could not produce the BT agreement".
Each hole should be enumerated in it's own paragraph. See William Chan's affidavit example. | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | 1818 | |
| Thanks to you, notalawyer, I finally smell success in defeating this awful 026A application. Are these 2 decoys good enough...
1. Lebih dari 95% jumlah hutang kad kredit saya dituntut oleh plaintif adalah dari akaun-akaun Permindahan Baki, oleh kerana itu, saya perlu memeriksa semua surat-surat perjanjian permindahan baki.
2. Setelah saya memohon untuk memindahan baki dari bank lain ke bank plaintif, sampai hari ini, perkerja-perkerja yang melakukan transaksi tersebut tidak memberikan kepada saya Perjanjian Pemindahan Baki. Ini adalah pelanggaran terhadap undang-undang kontrak. Nombor-nombor akaun Pemindahan Baki adalah berikut: XXX, XXX dan XXX.
I can't use the change of address decoy because I have been receiving their statements for at least 6 months now at my current address. | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | notalawyer | |
| List your full affidavit here.
Paragraph 1. is not good enough.
Change it to make it sound like the bank has done something wrong to force them to reply with the BT Agreement exhibits. | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | 1818 | |
| Hi notalawyer,
Please, please tell me this is not bad, otherwise, I am stuck:
1. Saya adalah defendan dalam saman ini.
2. Semua fakta-fakta yang dideposkan di sini adalah berdasarkan kepada pengetahuan peribadi saya.
3. Pada sekitar bulan Nov 2009, saya berjumpa dengan seorang pegawai bank di XXX, bernama XXX untuk berbincang tentang pembayaran penuh kad kredit tersebut. Pegawai tersebut menolak tawaran pembayaran penuh saya dengan alasan ada Perjanjian Pemindahan Baki yang tidak membenarkan pembayaran penuh. Saya meminta salinan Perjanjian Pemindahan Baki tersebut tetapi beliau enggan memberikan kepada saya. Sehingga hari ini, salinan Perjanjian Pemindahan Baki tidak diberi kepada saya.
4. Lebih dari 98% jumlah hutang kad kredit saya dituntut oleh Plaintif adalah dari akaun-akaun Permindahan Baki, oleh kerana pegawai tersebut menolak tawaran pembayaran penuh saya dengan alasan ada Perjanjian Pemindahan Baki yang tidak membenarkan pembayaran penuh dan beliau enggan memberikan kepada saya Perjanjian Pemindahan Baki tersebut, saya perlu memeriksa semua surat-surat perjanjian permindahan baki.
5. Setelah saya memohon memindahan baki dari bank lain ke bank Plaintif, sampai hari ini, pegawai jabatan jualan Plaintif yang melakukan transaksi tersebut tidak memberikan kepada saya Perjanjian Pemindahan Baki. <<<Such a one-sided transaction is not only unreasonable>>> <<<DON'T KNOW HOW TO TRANSLATE THIS>>>, ia juga adalah pelanggaran terhadap undang-undang kontrak. Nombor-nombor akaun Pemindahan Baki adalah berikut: XXX, XXX dan XXX.
6. Berdasarkan kepada alasan-alasan di atas, saya dengan rendah dirinya memohon daripada Mahkamah yang Mulia ini bahawa permohonan Plaintif seperti yang dipohon di dlam Notis Permohonan Plaintif ditolak dengan kos. | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | notalawyer | |
Where are the paragraphs that deny some statements in the bank's Order 26A affidavit?
If you don't deny anything, that means you admit to everything they stated there. | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | 1818 | |
| Hi notalawyer,
The bank's affidavit mentioned in two separate paragraphs about how much I owe them and that I am obligated to pay up, so my rebuttal is:
Saya merujuk kepada perenggan-perenggan 4 dan 13 Afidavit Plaintif tersebut dan menegaskan bahawa jumlah hutang sebanyak RMXXX tidak tepat kerana pada sekitar bulan Nov 2009, pagawai Plaintif tersebut menolak tawaran pembayaran penuh saya..... | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | 1818 | |
| Besides the point I owe the bank money from my principal card and BT accounts, the bank really has nothing much to say in their affidavit. | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | notalawyer | |
If you put it this way, you will alert them to the potential hole...
Maybe a simple denial will do.
6. Secara amnya semua kenyataan yang terkandung di dalam Afidavit Sokongan Plaintif dinafikan kecuali jika diakui dengan khusus. ( this will cover everything in case you missed out something )
7. Saya merujuk kepada perenggan 4 dan 13 Afidavit Sokongan Plaintif dan menafikan kenyataan-kenyataan yang tersebut di dalamnya. | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | 1818 | |
| Wow! notalawyer, I sure am glad I am not fighting you in court. As always, great stuff!
Questions:
1. Should I include this: "Such a one-sided transaction is not only unreasonable, ia juga adalah pelanggaran terhadap undang-undang kontrak."...
Setelah saya memohon memindahan baki dari bank lain ke bank Plaintif, sampai hari ini, pegawai jabatan jualan Plaintif yang melakukan transaksi tersebut tidak memberikan kepada saya Perjanjian Pemindahan Baki. <<<Such a one-sided transaction is not only unreasonable>>> <<<DON'T KNOW HOW TO TRANSLATE THIS>>>, ia juga adalah pelanggaran terhadap undang-undang kontrak. Nombor-nombor akaun Pemindahan Baki adalah berikut: XXX, XXX dan XXX.
2. What will happen next should I manage to defeat (and not defeat) the 026A application?
3. If I can find a newbie lawyer to represent me in court for about the same amount of my travel and hotel expenses (using my affidavit of course), should I go for it? [I hope to find a way not to travel to KL.] | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | notalawyer | |
As a general rule, you don't put forward arguments in your affidavits.
In affidavits, you just state the facts of what happened. Not tell them about which law they have violated.
You do that in your submissions. Also no need to list the account numbers.
So maybe paragraph 4. and 5. should be combined into one.
4. Pada sekitar April 2008, seorang pegawai bank di cawangan Holiday Plaza, Johor Bharu bernama En. Tan menelefon saya dan mengajak saya memindahkan baki dari kad kredit bank lain ke kad kredit plaintif. Selepas beberapa hari, saya berjumpa dengan En. Tan dan menandatangani borang pemindahan baki tersebut, tetapi salinan borang tersebut, terma-terma pemindahan baki dan Perjanjian Pemindahan Baki kesemuanya tidak diberikan kepada saya.
I think you need at least one more decoy.
If you need to buy more time, representing yourself can buy you 6-10 months during appeals. ( using some tricks )
If you use a lawyer, the appeals will only buy you about 2-3 months.
Read Order 49, rule 3 and 3a Subordinate Court Rules and tell me what you understand about it. | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | 1818 | |
| Hi notalawyer,
I got to look up that Order 49, rule 3 and 3a Subordinate Court Rules. Here's my revised affidavit:
1. Saya adalah defendan dalam saman ini.
2. Semua fakta-fakta yang dideposkan di sini adalah berdasarkan kepada pengetahuan peribadi saya.
3. Pada sekitar Februari 2009, seorang pegawai dari jabatan jualan bank di cawangan Selangor, bernama Cik XXX (nombor talipon pejabat: XXX, nombor telefon bimbit: XXX, alamat emel: XXX) menelefon saya dan mengajak saya memindahkan baki dari kad kredit bank lain ke kad kredit plaintif. Selepas beberapa minggu, Cik XXX faks saya borang pemindahan baki tersebut, tetapi salinan borang tersebut, terma-terma pemindahan baki dan Perjanjian Pemindahan Baki kesemuanya tidak diberikan kepada saya.
4. Pada sekitar bulan Nov 2009, saya berjumpa dengan seorang pegawai bank di cawangan Taman Durian, Johor Bahru, bernama Encik XXX untuk berbincang tentang pembayaran penuh kad kredit tersebut. Pegawai tersebut menolak tawaran pembayaran penuh saya dengan alasan ada Perjanjian Pemindahan Baki yang tidak membenarkan pembayaran penuh. Saya meminta salinan Perjanjian Pemindahan Baki tersebut tetapi beliau enggan memberikan kepada saya. Sehingga hari ini, salinan Perjanjian Pemindahan Baki tidak diberi kepada saya.
5. Secara amnya semua kenyataan yang terkandung di dalam Afidavit Sokongan Plaintif dinafikan kecuali jika diakui dengan khusus.
6. Saya merujuk kepada perenggan XXX dan XXX Afidavit Sokongan Plaintif dan menafikan kenyataan-kenyataan yang tersebut di dalamnya.
7. Berdasarkan kepada alasan-alasan di atas, saya dengan rendah dirinya memohon daripada Mahkamah yang Mulia ini bahawa permohonan Plaintif seperti yang dipohon di dalam Notis Permohonan Plaintif ditolak dengan kos. | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | notalawyer | |
| Change paragraph 3 to
3. Pada sekitar Februari 2009, seorang pegawai dari jabatan jualan bank di cawangan SS15 Subang Jaya, Selangor, bernama Cik XXX (nombor talipon pejabat: XXX, nombor telefon bimbit: XXX, alamat emel: XXX) menelefon saya dan mengajak saya memindahkan baki dari kad kredit bank lain ke kad kredit plaintif. Selepas beberapa minggu, Cik XXX faks saya borang pemindahan baki tersebut dan saya menandatanganinya, tetapi salinan borang tersebut, terma-terma pemindahan baki dan Perjanjian Pemindahan Baki kesemuanya tidak diberikan kepada saya.
Paragraphs 5 and 6 should be moved up to exchange enumeration with paragraphs 3. and 4.
Add more decoys.
7. Plaintif tidak berhak memfailkan permohonan untuk Aturan 26A kerana pihak defendan belum memfailkan Notis Kehadiran. | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | 1818 | |
| I am not sure if the bank charges they credit card holders annual fee or not but this is the only other decoy I can think of...
Bila pagawai juru jual Plaintif di sekarang-tutup cawangan Imbi, Kuala Lumpur minta saya memohon kad credit, dia memberitahu saya kad credit saya “percuma seumur hidup” tetapi Plaintif kemudian minta saya bayar bayaran tahunan.
I hope the above makes sense, does it? | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | notalawyer | |
| Add paragraph 7. I have given as another decoy.
Paragraph 8.
8. Pada sekitar tahun 1995, seorang agen plaintif bernama Cik XXX dari bank XXX cawangan Imbi, Kuala Lumpur mengajak saya memohon kad kredit dengan plaintif. Beliau memberitahu saya bahawa kad kredit ini “percuma untuk seumur hidup” tetapi plaintif kemudiannya mencaj akaun saya yuran-yuran tahunan.
Post the whole affidavit again and see if everything is perfect now.
Have you bought the Subordinate Court Rules book? | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | 1818 | |
| Thanks for the decoy, notalawyer.
I have not bought the Subordinate Court Rules book yet, I am not in M'sia now.
Okay, here's the whole affidavit again, if it is not perfect yet, it should be close, huh?
1. Saya adalah defendan dalam saman ini.
2. Semua fakta-fakta yang dideposkan di sini adalah berdasarkan kepada pengetahuan peribadi saya.
3. Secara amnya semua kenyataan yang terkandung di dalam Afidavit Sokongan Plaintif dinafikan kecuali jika diakui dengan khusus.
4. Saya merujuk kepada perenggan XXX dan XXX Afidavit Sokongan Plaintif dan menafikan kenyataan-kenyataan yang tersebut di dalamnya.
5. Pada sekitar Februari 2009, seorang pegawai dari jabatan jualan bank di cawangan SS15 Subang Jaya, Selangor, bernama Cik XXX (nombor talipon pejabat: XXX, nombor telefon bimbit: XXX, alamat emel: XXX) menelefon saya dan mengajak saya memindahkan baki dari kad kredit bank lain ke kad kredit plaintif. Selepas beberapa minggu, Cik XXX faks saya borang pemindahan baki tersebut dan saya menandatanganinya, tetapi salinan borang tersebut, terma-terma pemindahan baki dan Perjanjian Pemindahan Baki kesemuanya tidak diberikan kepada saya.
6. Pada sekitar bulan Nov 2009, saya berjumpa dengan seorang pegawai bank di cawangan Taman Durian, Johor Bahru, bernama Encik XXX untuk berbincang tentang pembayaran penuh kad kredit tersebut. Pegawai tersebut menolak tawaran pembayaran penuh saya dengan alasan ada Perjanjian Pemindahan Baki yang tidak membenarkan pembayaran penuh. Saya meminta salinan Perjanjian Pemindahan Baki tersebut tetapi beliau enggan memberikan kepada saya. Sehingga hari ini, salinan Perjanjian Pemindahan Baki tidak diberi kepada saya.
7. Pada sekitar tahun 1995, seorang agen plaintif bernama Cik XXX dari bank XXX cawangan Imbi, Kuala Lumpur mengajak saya memohon kad kredit dengan plaintif. Beliau memberitahu saya bahawa kad kredit ini “percuma untuk seumur hidup” tetapi plaintif kemudiannya mencaj akaun saya yuran-yuran tahunan.
8. Plaintif tidak berhak memfailkan permohonan untuk Aturan 26A kerana pihak defendan belum memfailkan Notis Kehadiran.
9. Berdasarkan kepada alasan-alasan di atas, saya dengan rendah dirinya memohon daripada Mahkamah yang Mulia ini bahawa permohonan Plaintif seperti yang dipohon di dalam Notis Permohonan Plaintif ditolak dengan kos.
The good news is, I no longer need to fight these blood-####ing banks anymore because I have to do my best to delay bankruptcy. Now, I am fighting them because I WANT to. Reason? Earlier this week, my PR was approved and my M'sian passport is still valid for at least 4 & 1/2 more years. But it is nice to fight them with almost no stress now! Plus, I can't be playing PC games all day & night!  ) | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | notalawyer | |
Looks like it will suffice.
Sign it in front of a Commissioner of Oaths and file it and send a copy to bank lawyers by registered mail asap.
Then wait for their reply. | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | 1818 | |
| Thanks a million, notalawyer! I'll keep you posted.
By the way, what happens if I managed to defeat this 026A application, and what happens if I don't? | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | notalawyer | |
If you manage to defeat this Order 26a application, he bank can opt to go for a full trial or they can appeal.
Usually they will appeal because they are very scared of full trials. Bank staff don't like to become witnesses.
If you did not manage to defeat this application, it means they have won.
Your next option will be to appeal within 14 days.
Actually your chance of winning is only 30 percent. | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | 1818 | |
| Hi notalawyer,
If I am unable to defeat the 026A application, and since appeal is too difficult for me, does it still make much difference if I get a newbie lawyer to represent me? (Since my chance of defeating this 026A application is only 30%, my PR approval couldn't come at a better time.) | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | notalawyer | |
| Why do you say "the appeal is too difficult for you"? You haven't experienced it yet.
Your PR does not solve everything. One day you may need to renew your passport or come back to Malaysia.
If you use a newbie lawyer, your chances of defeating the Order 26a is 20%. This is my opinion. | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | 1818 | |
| notalawyer: Why do you say "the appeal is too difficult for you"? You haven't experienced it yet.
1818: A few weeks ago, when I lost the Transfer Application to JB, I asked you about appeal and you told me that it will be dificult for me since I would need to make several trips to KL.
notalawyer: Your PR does not solve everything. One day you may need to renew your passport or come back to Malaysia.
1818: That's exactly what I thought too till I read one of Drew's thread, his friends are in a similar situation, their plan is to get PR status, don't come back to M'sia (or go anywhere if their M'sian passport is no longer valid) till they get citizenship. For me, it is not that hard to stay put in Canada for 2 straight years till I get a Canadian passport.
notalawyer: If you use a newbie lawyer, your chances of defeating the Order 26a is 20%. This is my opinion.
1818: If you don't mind, could you please elaborate, why, in your opinion, I could do a better job? I am all ears. | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | notalawyer | |
| If you use a newbie lawyer, your chances of defeating the Order 26a is 20%. This is my opinion.
It is only my personal opinion.
My opinion is not important, because after all I am not a lawyer. | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | 1818 | |
| Hi notalawyer,
I asked a KL friend to contact a lawyer, to explore the possiblity of representing me in court, as expected, conflict of interest, his law firm can't take my case. Since I owe most of the banks in M'sia, I guess I have to find a law firm that hates banks or banks hate them, huh?
Seriously, that lawyer I contacted has some advice for me regarding my Afidavit Jawapan (AJ), I would appreciate greatly if you could give me some valuable comments. I'm afraid you are wrong, notalawyer, your opinion DOES matter, especially to people like us, trying to delay being made a bankrupt for as long as possible. Here's the lawyer's reply...
"After a glance through your Affidavit in Reply, I have noted that there are certain positive allegations being deposed. The Court might not be able to spot the intention of raising such issues (frankly, neither do I). In my humble opinion these allegations may only be turned to be good sword against the Plaintiff by elaborating what are the implications from such allegations. Generally, the more particular you may provide in each and every allegations, the greater the chance it might or might not cast doubt onto Plaintiff’s case."
Based on what he said, I wonder if I should beef up my AJ, if yes, how? | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | notalawyer | |
Of course the lawyer is right in saying that the draft affidavit is insufficient.
That is why I put your chances at 30%.
But the lawyer is wrong in his opinion that there needs to be more clarity so that the judge can understand the "issues" in your affidavit. If the lawyer can't easily see the issues, and the judge can't easily understand the issues in the affidavit, then we have done a good job in hiding the holes from the decoys. This is exactly what we we want the affidavit to achieve ; making the bank lawyer keep busying with the decoys and neglected to answer the actual holes properly.
It is in the submissions (oral or written) where every material issue becomes clear.
The bank can't complain that you did not tell them in the affidavit which law they violated. The bank should know the law! The particulars you presented in the affidavit like the date things happened, the name of officers involved and their tel numbers, what they said and did/did not do is sufficient info for the judge to judge that you are telling the truth, and you set up the case to bring them as witnesses in case the action goes to full trial.
Like I said earlier, the more holes the merrier but only you can give rise to the holes.
I only provide the decoy ducks. | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | 1818 | |
| Hi notlawyer,
Are you genius or what!
Ok, I'll stick to my guns - and submit the AJ I posted here a couple of days ago on Monday (6 Sept) then.
Thanks again! | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | virnicia | |
| Did the bank reply your affidavit already? | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | 1818 | |
| Hi notalawyer,
Could you please provide me with a short Skeleton Summary for my 27 Sept 026A hearing?
I almost lost both my cases!
I hope those who are taking this same route learn from my costly mistake, that is, make sure your affidavit, application notice and cover letter are in the PROPER format. Fair warning: If you're not or will not be in the same boat, reading further may bore you to tears! 
On 6 Sept, I took my usual life-wasting 12+ hours round-trip journey to the Kuala Lumpur Court Complex to submit my affidavit and application notice.
First, the Commissioner For Oaths there refused to "sell" me her stamp and signature for my EXHIBIT, she insisted I provide a cover letter to go with my EXHIBIT, when I was there just a few months ago for a similar case, another Commissioner For Oaths stamped and signed on my other EXHIBIT without a word mentioned of a cover letter required. Anyway, I managed to create a cover letter within 20 minutes, got my stamp and signature. But worse is yet to come, by this time, the counter to submit my stuff was already closed!
So I paid J (someone who works in the Court Complex) to submit the documents for me the next day. More bad news. When I called J the next day to find out how it went, he told me that ALL my documents were rejected by the court counter! Reason: Wrong format. The strange thing is, I had no problem when I used the EXACT same format in my earlier case just a few months ago, not that that format was correct!
After being confused for several days, I finally found a lawyer to email me the actual stuff he uses in court and made my 2nd life-####ing trip to KL yesterday (15 Sept). All paper work submitted successfully, more or less, as I am now...
Waiting for the two banks' lawyers to inform me if they will challenge my documents in court since I submitted them so late, both my hearing and mention dates fall on the same day, 27 Sept.
A tiny ray of hope, according to a lawyer I spoke with, if the bank's lawyer decides to challenge my late document submission (to make them void), they will have to get the bank's approval first because it costs money to mount the challenge. I hope they won't challenge my docs, otherwise, the time spent on both my trips to KL and a few hundred RM would come to 0!
@virnicia, from the above, the answer to your question is obvious... not yet. | |
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| RE:Order 26A Question / Afidavit Jawapan Defendan (modified 0 times) | worry | |
Hi,
I would like to find out if i have debt from other country,
when i back to malaysia will they file for bankruptcy??
Thanks
RGd
Worry | |
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