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 Highest number of bankrupts are car loan defaulters

6/14/2012

2 Comments

 
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KUALA LUMPUR: Car loan defaulters top the list of people declared bankrupts.

Minister in the Prime Minister's Department Datuk Seri Mohamed Nazri Aziz told Parliament there were 29,338 bankrupts under this category from 2005 to April 2012.

Others who were made bankrupts involved those with personal loans (15,299), housing loans (14,327), business loans (14,327) and failure to settle corporate loans (6,127).

Nazri said 6,163 individuals were declared bankrupt for standing as guarantors to loan defaulters.

The Insolvency Department registered other causes for bankruptcy as failure to settle credit card bills (5,735 people), income tax (1,112), study loans (196) and others (24,975).

Between 2005 and April this year, the department registered 116,379 people who have been declared bankrupt.

"Of the figure, those aged between 35 and 44 makes up the most number of bankrupts with 37,493 individuals," he said in response to a question by William Leong Jee Kean (PKR-Selayang)

Percuma Panduan Agen Unit Amanah Public Mutual
2 Comments
hisham dean link
6/14/2012 03:10:18 pm

it's not always the borrower's fault. in 1985 a friend wanted to bail me out after i had defaulted for 3 months of my instalments. in fact, he wanted to pay in cash the whole amount 0f rm27k for the used kembara. when we reached the bank, the system was down and the bank officer asked us to pay for just 3 months instalments. after that, i let the friend take home the car as we promised to meet again soon. not long after that, the car developed engine trouble and my friend was very unhappy and had a change of heart about the car. when i asked him to give back the car to me so i could surrender the car back to the bank, he told me that the car had been repossessed. the car was later auctioned without me given any notice about the scheduled auction. i only knew about the auction through the man who won the bid at the auction asking me if i still kept the legal documents for the car which of course i haven't. i such a case, was it fair for me?

Reply
Admin-shukor
6/15/2012 04:05:40 am

Salam

Unfortunately, the computer system was down when u ready to pay the outstanding. Base on normal way, the bank should inform you about the outstanding tru call or notice which u already got. Once the lender fail to get the outstanding amount accumulation for 3 months, i has a right to auction the car without giving any notice to the owner. Anyway the bank should take note that u were trying to pay the debt but the comp. system was down. So the communication has been broken between owner and bank. From what i know, the bank will quickly execute any auction case to liquidation the aset to become cash. So be aware, never expect banker to be too nice now days.

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