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Bank E taken over by Bank H (modified 0 times) steven Hi notalawyer, Bank E send me a Summon to attend 1st Mention on 4th April 2012 at 9.00am at Penang Magistrate Court. 1)Should I do the same thing on that day to request for postponement to find a lawyer ? 2)What if the Plaintif or the Judge say NO because I was given more than 2 months notices of this Summon? 3)What if I also submit my Mediation Agreement Form on that day to the Plaintif, is this procedure correct? Thanks and regards, steven 01 Feb, 2012 00:27:46

RE:Bank E taken over by Bank H (modified 0 times) notalawyer 1)Should I do the same thing on that day to request for postponement to find a lawyer ? Yes. 2)What if the Plaintif or the Judge say NO because I was given more than 2 months notices of this Summon? Everybody has a right to a lawyer, so it will definitely be allowed. 3)What if I also submit my Mediation Agreement Form on that day to the Plaintif, is this procedure correct? I think you should submit mediation form just before the 2nd mention to gain more time. 01 Feb, 2012 08:51:47

RE:Bank E taken over by Bank H (modified 0 times) steven Hi notalawyer, Yesterday I just attended the 1st Mention in Penang Lower Court at 9.00am. in front of the Registrar. I got the date postponed to 3rd May 2012. The Registrar request me to submit my defense. (Why she is so in a hurry?) I am going to submit the Mediation agreement form ? regards, steven p.s. Sorry the 1st mention date is 12th April NOT 4th April 13 Apr, 2012 10:59:38

RE:Bank E taken over by Bank H (modified 0 times) notalawyer I am going to submit the Mediation agreement form ? It's worth a try, go ahead and do the mediation. How do you plan to fight this case? Say that you don't know who Bank H is? 13 Apr, 2012 20:47:20

RE:Bank E taken over by Bank H (modified 0 times) steven Hi notalawyer, I just want to delay the bank from getting judgement. I owe the bank more tahn RM15k thru credit card due to loss in MLM business. I will post the statement of claim later. Many thanks, steven 16 Apr, 2012 00:58:28

RE:Bank E taken over by Bank H (modified 0 times) steven Hi notalawyer, Here is the Penyataan Tuntutan. 1.Plaintif adalah sebuah bank berlesen dibawah Akta Perbankan dan Institut Kewangan 1989 yang mempunyai alamat berdaftar di Tingkat xx, Menara XXX Bank, No xxx, Jln Raja Laut, 50350, KL 2.Melalui suatu Perintah Letakhak bertarikh xx Jun 2011 yang diberi oleh Mahkamah Tinggi KL, H Bank telah mengambil alih kesemua perniagaan, aset-aset dan liabiliti E Bank dan kedudukan E bank sebagai Plaintif didalam prosiding perundangan yang berkaitan dipindahkan dan deserahkan kepada H bank secara mutlak. 3.Defendan ialah seorang ahli dan pemegang kad kredit yang dikenali sebagai Visa Wave Platinum Co-Brand yang dikeluarkan oleh H bank (No Syarikat xxxxx-X) [yang telah mengambil alih kesemua perniagaan, aset-aset dan liabiliti E bank melalui suatu perintah Letakhak Mahkamah Tinggi KL bertarikh xx Jun 2011] dan mempunyai alamat penyampaian di <my address> yang merupakan alamat penyampaian terakhir yang diketahui oleh Plaintif. 4 Di atas pemintaan Defendan, Plaintif telah meluluskan dan mengeluarkan kepada Defendan suatu kad kredit Visa Wave Platinum Co-Brand yang bernombor xxxx-xxxx-xxxx-xxxx memberikan kepada defendan suatu kemudahan kredit untuk bayaran terhadap tanggungan yg dikenakan dalam penggunaan kad kredit tersebut. 5.Mengikut terma-terma dan syarat-syarat penggunaan kad kredit tersebut yang dipersetujui serta pindaan pindaan dan semakan selepas daripadanya, Defendan bersetuju antara (sekiranya terdapat lebih dari dua kali kegagalan membayar sekurang-kurangnya bayaran minima 5% dari baki terhutang setakat tarikh penyata dalam tempoh setahun sebelumnya) serta caj bayaran lewat 1% sebulan terhadap baki terhutang (tertakluk kepada minima RM5.00 yang mana lebih tinggi namum terhad kepada maksimum RM50.00 berkuasa dari 01/07/2009. 6.Defendan akan bertanggungjawab untuk membayar segala kos dan perbelanjaan termasuk fee guaman atas dasar peguam dan klien berkenaan dengan segala pelaksanaan yg dijalankan oleh Plaintif sekiranya tindakan undang-undang dijalankan untuk mendapatkan kembali jumlah hutang. 7.Defendan telah bersetuju mengunakan kad kredit tersebut mengikut terma-terma dan syarat-syarat yg terkandung dalam penggunaan kad kredit. 8.Setakat xx/11/2011 Plaintif telah menanggung perbelanjaan kad kredit Defendan termasuk faedah sebanyak RM 15,xxx. 9.Walaupun pihak Plaintif melalui peguamcaranya telah menuntut jumlah terhutang sebanyak RM14,xxx setakat xx/08/2011, Defendan gagal dan/atau enggan membayar jumlah yg dituntut. ADALAH DENGAN INI Plaintif menuntut terhadap Defendan:- (a) wang sebanyak RM15,xxx setakat xx/11/2011, (b) faedah pada kadar 17.5% setahun ke atas jumlah wang sebanyak RM15,xxx dari xx/11/2011 sehingga penyelesaian penuh. (c) caj bayaran lewat sebanyak 1% sebulan terhadap RM15,xxx tertakluk kepada minimum RM5.00 yg mana lebih tinggi namaum terhad kepada maksimum RM50 yg berterusan dari xx/11/2011 sehingga tarikh penyelesaian penuh. (d) kos (e) lain-lain relif yg dianggap adil oleh Mahkamah ini. Bertarikh 27/12/2011 Questions:- 1. This E bank did not mention my enrolment into AKPK which caj only 10% p.a., no late payment, no 1% caj. Did the bank violate AKPK rules and regulation? 2. What holes can be found here in order to delay Judgement ? Thank again for you professional advice. steven 17 Apr, 2012 10:11:32

RE:Bank E taken over by Bank H (modified 0 times) notalawyer Did the bank violate AKPK rules and regulation? Banks are not bound by AKPK rules. AKPK is just a company to help banks collect bad debts. Maybe you could say that Visa account number XXXXX XXXX XXX has already been fully paid when all the balance was transferred to another term loan account. ( akpk account ) So how to pay when the amount owing is zero? But you should do the mediation first. 17 Apr, 2012 16:56:17

RE:Bank E taken over by Bank H (modified 0 times) steven Hi notalawyer, Thank you for your advice. I will sent the Mediation Agreement Form with a cover letter to bank lawyer on 25 0r 26 April, hope the lawyer will receive it before 3 May for Hearing. Good idea. This is what akpk officer told us when we attended tha course. All our credit cards debts will be turned into a term loan bearing a 10% p.a. but some banks did not gave us the term loan agreement. Only AMBank do so. These banks just keep quiet and accept whatever amount akpk give to them. May be I will get ready my written defense in case the lawyer insist on the 1st hearing or the lawyer may say they have not received my Mediation Form. Thank you very much. steven 17 Apr, 2012 23:10:45

RE:Bank E taken over by Bank H (modified 0 times) notalawyer May be I will get ready my written defense in case the lawyer insist on the 1st hearing or the lawyer may say they have not received my Mediation Form. Once the SAR says that you should file your defence before 3rd May, you should file your defence before 3rd May. Bringing the defence to court without filing is useless and dangerous. ( the bank lawyer might ask the judge to give "judgement in default of defence" ) Do you know the term loan account number? You should put this number in your defence. Post your defence here for us to check. 18 Apr, 2012 06:08:32

RE:Bank E taken over by Bank H (modified 0 times) steven Hi notalawyer, There was NO TERM LOAN ACCOUNT NUMBER given. This bank just send me the statement of account every month showing the amount paid by akpk. And the statement keeps showing the 17.5% interest being charged plus other finance charges like penalty for late payment and 1& minimum charge. I had ask the akpk officer who said that it is normal practice by bank. If I successfully pay all the entire debts, those interest plus other charges will be recalculate base on 10% p.a.only. But if I default, then the bank will revert back to the credit card interest rate of 17.5%. So I am not sure how to put up this defense. I got to find holes. Any ideas? steven 18 Apr, 2012 23:23:12

RE:Bank E taken over by Bank H (modified 0 times) steven Hi notalawyer, DALAM MAHKAMAH MAGISTRET DI GEORGETOWN DALAM NEGERI PULAU PINANG, MALAYSIA SAMAN NO : XX-X-XX/2012 _______________________________________ ANTARA <BANK NAME> (NO. SYARIKAT: XXXXX-X)..................................................PLAINTIF (yang telah mengambil alih kesemua perniagaan, aset-aset dan liabiliti bank E melalui suatu Perintah Letakhak Mahkamah Tinggi KL bertarikh xx Jun 2011) DAN <MY NAME> (NO. K/P ; XXXXXX-XX-XXXX)................................................DEFENDAN PEMBELAAN Pembelaan Am 1. Tentang Perenggan 3-9, Pernyataan Tuntutan dinafikan. Defendan sudah tiada hutang dalam kad kredit yang bernombor :xxxx-xxxx-xxxx-xxxx Pembelaan Tertentu 1. Defendan telah memohon ke Agensi Kaunseling dan Pengurusan Kredit ia-itu AKPK untuk kemasukkan ke Program Pengurusan Kredit dan permohonan defendan telah diluluskan oleh AKPK melalui surat AKPK bertarikh 2x/xx/2010 (sila lihat sesalinan surat AKPK). 2. Plaintif telah ingkrar menyediakan Surat Perjanjian dan Dokumen yang diperlukan bagi pelaksaan Program Pengurusan Kredit dalam tempoh 7 hari dari tarikh surat AKPK Perenggan 2. 3. Defendan telah pergi ke pejabat cawangan di Jln Anson pada xx/xx/2010 dan menunjukkan surat AKPK tersebut dan mengikut arahan AKPK memohon satu salinan surat Perjanjian Pinjaman Terma, akan tetapi sehingga hari kini Plaintif gagal dan enggan menyediakan surat Perjanjian Pinjaman Terma untuk dipersetujui dna ditandatangani oleh Defendan. 4. Bahawa Plaintif bersetuju menerima bayaran RM150 sebulan dari defendan melalui AKPK membuktikan bahawa plaintif telah bersetuju menukarkan akaun kad kredit defendan kepada Akaun Pinjaman Terma dengan nombor akaun :- xxxxxxxxxxxx yang tersebut di dalam Penyata bertarikh xx/xx/2010 5. Defendan menuntut kos pembelaan tindakan ini. ................. <My name> Pembelaan ini telah di failkan oleh <My Name> Defendan yang beralamat di <My Address> Pada tarikh : xx April 2012 Please correct me. Many thanks steven 23 Apr, 2012 12:50:37

RE:Bank E taken over by Bank H (modified 0 times) steven Hi notalawyer, Here is the content of AKPK letter to me when they enroled me into the DMP in year 2010. TANPA PREJUDIS TARIKH : XX/XX/2010 <MY NAME> <MY ADRESS> Tuan/Puan, PROGRAM PENGURUSAN KREDIT <MY NAME> <NO. K/P > Kami merujuk kpd permohonan tuan/puan bertarikh xx/xx/2010 kpd AKPK di bawah Program Pengurusan Kredit (PPK) kami. Sukacita dimaklumkan bahawa institusi-institusi kewangan tuan/puan telah bersetuju untuk membantu tuan/puan dengan penstrukturan/penjadualan semula hutang tuan/puan. 2. Institusi-institusi kewangan berkenaanakan akan memaklumkan kpd tuan/puan dalam tempoh 7 hari dari tarikh surat ini mengenai syarat-syarat penstrukturan/penjadualan semula yang telah dipersetujui dan dokumentasi yg diperlukan (jika ada) bagi pelaksanaannya. Tuan/puan dinasihatkan menghubungi institusi-institusi kewangan yg berkenaan bagi menandatangani dan mendapatkan salinan surat perjanjian dan dokumen yang disediakan. 3. Sila ambil perhatian bahawa jumlah bayaran sebanyak RMxxxx sebulan perlu dibayar melalui AKPK sebelum hari ke 30 setiap bulan dgn pembayaran pertama hendaklah dibuat sebelum xx/xx/2010 sehingga semua jumlah pembayaran yg dipersetujui dijelaskan sepenuhnya. Sila rujuk jadual dan prosedur pembayaran seperti yg dinyatakan di dalam lampiran. 4. Seperti yg telah dipersetujui, pihak tuan/puan akan membuat pembsyaran secara terus bagi Pinjaman Perumahan (No A/K: XXXXXXXXX) dgn CDE BANK BHD, Sewabeli Kereta (No A/K : XXXXXX) dgn XYZ BANK BHD, dan Pinjaman Berjangka (Bercagar) (No A/K :xxxxxx) dgn CDE bank bhd. Sehubungan dgn itu bagi pinjaman bercagar, pihak institusi kewangan tuan berhak mangambil tindakan untuk melupuskancagaran/hartanah/rumah/kereta/saham jika pihak tuan gagal membayar pinjaman-pinjaman tersebut seperti ygtelah termaktub di dalam surat tawaran yg dipersetujui oleh pihak tuan. Walaubagaimanapun pihak institusi kewangan tuan perlu mendapat kebenaran dari AKPK jika pihak institusi kewangan tuan berhasrat untuk mengambil tindakan sivil ke atas tuan. 5. Sila ambil maklum bahawa pembayaran tuan akan diterima oleh AKPK pada asas "TANPA PREJUDIS" bagi pihak institusi kewangan berkenaan. 6. Tuan juga dinasihati supaya memantau dgn sendiri pembayaran yg telah dibuat serta memaklumkan kpd pihak AKPK untk mengelakkan sebarang pembayaran melebihi jumlah hutang. Tuan juga perlu menghubungi pihak institusi kewangan tuan bagi mengetahui baki pinjaman terkini, kadar faedah dan tempoh bayaran yang telah ditetapkan. 7. Sila ambil perhatian bahawa tuan dikehendaki mematuhi sepenuhnya syarat-penstrukturan/penjadualan semula yg telah ditetapkan oleh institusi kewangan berkenaan dan menanggung semua kos yg terlibat. Sekiranya tuan gagal mematuhi syarat-syarat p/p semula tersebut dan/atau mengingkari mana-mana pembayaran tuan, penepian (jika ada) akan ditarik balik, dan institusi kewangan berkenaan berhak mengambil tindakan yg sewajarnya terhadap tuan. Selepas ini tuan tidak layak mendapat bantuan lagi daripada AKPK. 8. Sila akui penerimaan surat ini dan kembalikan kpd kami dalam tempoh 7 hari dari tarikh surat ini. 9. Dengan ini dipersetujui dan diterima oleh tuan bahawa AKPK tidak akan bertanggungjawab atau bertanggungan terhadap tuan dalam apa-apa jua cara dan apa-apa sebab jua pun berkenaan dgn perkhidmatan yg telah diberikan oleh AKPK, pegawainya atau pekerjanya. Sekian terima kasih. Yang Benar _____________________ <Name of Officer) b/p Pengurus Besar Operasi This letter is disclosed for all those who intend to enrol for AKPK. 23 Apr, 2012 14:33:17

RE:Bank E taken over by Bank H (modified 0 times) steven Hi notalawyer, Tomorrow I am going to sent a registered letter to bank lawyer to seek their consent and signature on the Mediation Agreemnet Form. If they don't reply to my letter means they don't want to mediate just like my 1st case in KL, right? Can I submit this application form thru e-filing or c.c. a copy of the letter to the Pendaftar in PG? Which one is the right procedure? Your professional advice is very much appreciated. steven 24 Apr, 2012 22:06:47

RE:Bank E taken over by Bank H (modified 0 times) notalawyer Tomorrow I am going to sent a registered letter to bank lawyer to seek their consent and signature on the Mediation Agreement Form. If they don't reply to my letter means they don't want to mediate just like my 1st case in KL, right? Correct. Can I submit this application form thru e-filing or c.c. a copy of the letter to the Pendaftar in PG? Which one is the right procedure? Normally you don't file the mediation right? Normally also no need to send mediation matters to registrar. For the defence of this case, maybe you could say that the bank had agreed to transfer all the balance to a term loan account with lower interest upon your admission into the DMP program but they failed to do what was agreed. That's why you stopped the payment to them (after a few months) because of their breach of agreement Can or not a defence like that. 25 Apr, 2012 10:58:53

RE:Bank E taken over by Bank H (modified 0 times) steven Here is my final version of the Pembelaan. Pembelaan Am 1) Tentang Perenggan 3-9, Pernyataan Tuntutan dinafikan. Defendan sudah tiada hutang dalam kad kredit yang bernombor xxxx-xxxx-xxxx-xxxx Pembelaan Tertentu 1)Pihak Plaintif telah bersetuju dalam surat AKPK bertarikh xx/xx/2010 bahawa semua baki hutang dalam kad kredit akan ditukarkan kepada Akaun Pinjaman Terma dengan kadar faedah 10.00% setahun secara kiraan bulanan atas jumlah hutang sehingga penyelesaian sepenuhnya. 2)Oleh kerana pihak Plaintif telah ingkar dan gagal mematuhi syarat-syarat yang dipersetujui dalam surat AKPK bertarikh xx/xx/2010, maka Defendan terpaksa menghentikan bayaran ansuran bulanan dan keluar dari Program Pengurusan Kredit itu. 3)Defendan menuntut kos pembelaan ini. HOPE TO GET YOUR PROFESSIONAL ADVICE ASAP, so that I can file it tomorrow or latest 27 April. Thank you very much. steven 25 Apr, 2012 23:14:15

RE:Bank E taken over by Bank H (modified 0 times) notalawyer Why the rush? I think you should file the defence about 3-4 days before the next mention date. Pembelaan Am 1) Perenggan 3-9, Kenyataan Tuntutan Plaintif dinafikan. Defendan sepatutnya sudah tiada hutang dalam akaun kad kredit yang bernombor xxxx-xxxx-xxxx-xxxx kerana semua baki hutang sepatutnya telah dipindahkan kepada Akaun Pinjaman Terma yang lain. Pembelaan Tertentu 1)Pihak Plaintif telah bersetuju dalam surat AKPK bertarikh xx/xx/2010 bahawa semua baki hutang dalam akaun kad kredit akan dipindahkan kepada Akaun Pinjaman Terma dengan kadar faedah 10.00% setahun secara kiraan bulanan atas jumlah hutang sehingga penyelesaian sepenuhnya. 2) Plaintif juga telah bersetuju menghentikan caj bayaran lewat bila defendan memasuki Program Pengurusan Kredit AKPK. 3)Oleh kerana Plaintif telah ingkar dan gagal mematuhi syarat-syarat yang dipersetujui yang tersebut di perenggan 1) dan 2) diatas, maka Defendan terpaksa menghentikan bayaran ansuran bulanan dan keluar dari Program Pengurusan Kredit tersebut. 4)Defendan menuntut kos pembelaan ini. 26 Apr, 2012 05:50:50

RE:Bank E taken over by Bank H (modified 0 times) notalawyer Paragraphs numbering re-ordered correctly. Pembelaan Am 1) Perenggan 3-9, Kenyataan Tuntutan Plaintif dinafikan. Defendan sepatutnya sudah tiada hutang dalam akaun kad kredit yang bernombor xxxx-xxxx-xxxx-xxxx kerana semua baki hutang sepatutnya telah dipindahkan kepada Akaun Pinjaman Terma yang lain. Pembelaan Tertentu 2)Pihak Plaintif telah bersetuju dalam surat AKPK bertarikh xx/xx/2010 bahawa semua baki hutang dalam akaun kad kredit akan dipindahkan kepada Akaun Pinjaman Terma dengan kadar faedah 10.00% setahun secara kiraan bulanan atas jumlah hutang sehingga penyelesaian sepenuhnya. 3) Plaintif juga telah bersetuju menghentikan caj bayaran lewat bila defendan memasuki Program Pengurusan Kredit AKPK. 4)Oleh kerana Plaintif telah ingkar dan gagal mematuhi syarat-syarat yang dipersetujui yang tersebut di perenggan 2) dan 3) diatas, maka Defendan terpaksa menghentikan bayaran ansuran bulanan dan keluar dari Program Pengurusan Kredit tersebut. 5)Defendan menuntut kos pembelaan ini. 26 Apr, 2012 06:03:27

RE:Bank E taken over by Bank H (modified 0 times) steven Hi notalawyer, Today 9.00am I attended the 1st Hearing. But the case was still being managed by the Registrar and NOT being heard in the Court Room. The bank lawyer was late for 30 min, he came at 9.30am. Last month,at the 1st Mention, he was absent but represented by another lawyer from other Law Firm. I made a protest to the Registrar about the lawyer being late but she said that I need to discuss with him regarding his punctuality, request him to come on time nest time. She can't interfere. I reply what if I came late for 30min, and he came early, surely I would be consider absent and judgement default will apply, right? She can't reply, just smile. After that the bank lawyer start by saying that he didn't have objection to go thru the Mediation but he had NO experience with regards to the process because this is the 1st case in PG. He handed me back the 3 sets of the signed Mediation Agreement Form. The Registrar fixed 21 May to be heard by a Judge. She then instructed her personal assistant to help me to file my Mediation form at NO charge. The bank lawyer also mention that he had not replied to my Pembelaan yet since I am going to do Mediation. Also because I had admitted in my Pembelaan that I had owed the bank some money maybe the amount may not be correct. So he ask me to talk to the bank directly to make the case settle early. . I told him just do your part and reply to my Pembelaan. He look not happy. Your professional advice and comments, please. Thank you very much. steven 03 May, 2012 23:36:39

RE:Bank E taken over by Bank H (modified 0 times) notalawyer File the mediation forms. Now you have to decide whether you really want to "settle" or just use the mediation excercise to buy more time. At the mediation hearing, don't admit to owing any amount, just say you not sure whether you owe them or not but you are willing to discuss an installment proposal. If you want to settle, maybe you could propose to pay RM 300 a month until full settlement with 5% interest. If you just want to buy more time and then fight in Court again, you could propose a installment plan that the bank surely will not accept like RM 100 a month and zero interest and all interest charges and late charges since 2009 waived. Show the banks the other bank summons against you at the mediation hearing in front of the Judge so that they will be more likely to accept your proposal at the mediation. ie. If they don't accept your proposal, very likely they will get nothing and waste a lot of legal fees. Finally if both sides cannot agree, the mediation will fail and the case will go back to another Judge. I told him just do your part and reply to my Pembelaan. He look not happy. He is right. If both you and the bank are going to settle via mediation, why continue to waste time and money fighting in court? Only ask him to reply to your defence after mediation fails. 04 May, 2012 12:49:18

RE:Bank E taken over by Bank H (modified 0 times) steven Hi notalawyer, My intention is to delay the case for as long as it can, because I don't have much money to pay the bank! May be propose to pay RM100 per month, on condition waive all interest charges, late payment penalty charges, minimum charges, etc. But I can't find any mediation case which I can show the bank lawyer and the Judge, how? The only one case I can show is the one I am challenging it now in KL. regards, steven 04 May, 2012 22:56:46

RE:Bank E taken over by Bank H (modified 0 times) notalawyer But I can't find any mediation case which I can show the bank lawyer and the Judge, how? In mediation, you are not there to argue, so why would you need any previous case? You and the bank lawyer are there to discuss what is the best solution for both parties to settle this lawsuit. The only one case I can show is the one I am challenging it now in KL. You have 1 case in KL and another case which you won earlier. Show them these 2 summons, and say that more banks are going to sue you soon. (Don't tell them that you already won one case) Then tell them that you have no house, shares, car or any other significant assets. So, if so many banks sue you, finally all banks will get almost nothing since you owe everybody left and right and have no assets or high income. So it would be in the bank's best interest to accept your proposal of RM100 per month with zero interest, at least they get something back. Tell them that if the case go back to the normal court, their legal costs may very well be more than what you owe them because you are very well versed and experienced with the law and court procedures and will appeal all the way ( because so many people sue you ) and they will still get nothing in the end. Make sure that the terms say that if you default again, the amount you paid will go towards reducing the amount owed, not go back to the amount before you start paying. Finally, if the bank agrees to your proposal or you agree to their counter proposal, the Judge will note down all the terms that was agreed to create a Consent Judgement. 05 May, 2012 17:24:43

RE:Bank E taken over by Bank H (modified 0 times) notalawyer Please note that in Mediation, the Judge cannot force you to accept any proposal or terms and the Judge also cannot force the bank to accept your proposal. The Judge can only give his/her advice. 05 May, 2012 17:28:03

RE:Bank E taken over by Bank H (modified 0 times) steven Hi notalawyer, Thank you for your professional advice. Kindly enlighten me this sentence "... if you default again, the amount you paid will go towards reducing the amount owed. not go back to the amount before you start paying. " 2)Do I just show the judge and the bank's lawyer, the letters of demand or summons from various banks ? Appreciate your guidance. steven 06 May, 2012 16:14:33

RE:Bank E taken over by Bank H (modified 0 times) steven Hi notalawyer, The Mediation hearing date will be 21 May at 9.00am by a Magistret. Don't know her name yet. How come the bank lawyer firm does not send any letter to remind me regarding the Mediation date ? Tbanks & regards, steven 14 May, 2012 12:03:32

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