Sayang..sayang ribu-ribu sayang, nak biarkan saja kereta tu kat dalam stor bank ibarat mati emak..nak ambik balik pulak ibarat mati bapak.
Bagi yang dah pokai kat sapa lagi nak mintak tolong,..mak bapak la jugak. Habis lembu dan kambing kena jual, tak pun barang kemas bini yang kena gadai. Tak boleh biarkan ooi..sayang kereta tu macam sayang bini, tak pun bini sendiri dah jadi nombor dua, apa-apa pun kereta dapat dulu. Belanja mekap kereta lebih mahal daripada alat mekap bini. Takkan nak biar kereta tu kena lelong kot. Jadi..mau tak mau kena lah ambik balik kereta pengarang jantung tu.
Apa nak kena bayar lagi ? Sebaik sahaja kereta anda di tarik, pihak bank akan menghantarkan satu notis yang disebut 5th schedule / jadual kelima untuk memaklumkan kepada anda bahawa kereta anda dah kena kena tarik. Anda diberikan masa selama 21 hari untuk membuat tuntutan ke atas kederaan anda sebelum kena lelong. Di dalam kandungan Jadual Kelima tersebut pihak bank akan menyenaraikan kos-kos yang perlu anda bayar termasuklah 'storage fee'.
Berikut ini contoh breakdown kos yang anda perlu tanggung bila kereta kena tarik (dalam versi bahasa inggeris seperti yang termaktub di dalam Hire Purchase Act 1967).
FIFTH SCHEDULE
NOTICE TO HIRERS UNDER SECTION 16
Now that the goods you hired have been re-possessed you will be entitled to get them back-
(a) if, within fourteen days you require the owner, by notice in writing signed by you or your agent, to redeliver
the goods to you and if, within fourteen days after giving the notice, you reinstate the agreement by
paying the arrears and remedy the following breaches of the agreement (or pay the owner's expenses in
remedying them):
The owner's estimate of the amount you must pay to reinstate the agreement is-
Arrears of instalments RM..............
Arrears of interest due on overdue instalments RM..............
Cost of storage, repair or maintenance RM..............
Cost of re-possession RM..............
Cost of re-delivery RM..............
Total RM_______
or
(b) if within fourteen days, you give notice of intention to finalise the agreement and pay the balance due
under the agreement and pay the balance due under the agreement and costs of the re-possession:
The owner's estimate of the amount required to finalize the agreement is-
Total amount payable under the agreement RM..............
Less deposit and instalments paid RM..............
Balance due under agreement RM..............
Less statutory rebates RM..............
Add arrears of interest due on overdue instalments RM..............
[Ins. Act A813:s.36]
Add costs of re-possession RM..............
Storage, repair or maintenance RM..............
Total RM_________
If you do not reinstate or finalize the agreement you will be liable for the owner's loss unless the value of the
goods re-possessed is sufficient to cover your liability. If the value of the goods is more than sufficient to cover
your ability you will be entitled to a refund.
The owner's estimate of the value of the goods re-possessed is RM..................
* On the basis of that estimates you are entitled to a refund of RM…………..
you are liable to pay the owner RM..................
NOTE- You may give a written notice to the owner requiring the owner to sell the goods to any cash buyer you
can introduce who is willing to pay the owner's estimate of the value, i.e.,+
Apamacam ??..okey ka..cepat la cari duit tu. Untuk duit setor tu selalunya caj yang dikenakan sekitar RM10.00 sehari x 21 hari = RM210.00.
Bagi yang dah pokai kat sapa lagi nak mintak tolong,..mak bapak la jugak. Habis lembu dan kambing kena jual, tak pun barang kemas bini yang kena gadai. Tak boleh biarkan ooi..sayang kereta tu macam sayang bini, tak pun bini sendiri dah jadi nombor dua, apa-apa pun kereta dapat dulu. Belanja mekap kereta lebih mahal daripada alat mekap bini. Takkan nak biar kereta tu kena lelong kot. Jadi..mau tak mau kena lah ambik balik kereta pengarang jantung tu.
Apa nak kena bayar lagi ? Sebaik sahaja kereta anda di tarik, pihak bank akan menghantarkan satu notis yang disebut 5th schedule / jadual kelima untuk memaklumkan kepada anda bahawa kereta anda dah kena kena tarik. Anda diberikan masa selama 21 hari untuk membuat tuntutan ke atas kederaan anda sebelum kena lelong. Di dalam kandungan Jadual Kelima tersebut pihak bank akan menyenaraikan kos-kos yang perlu anda bayar termasuklah 'storage fee'.
Berikut ini contoh breakdown kos yang anda perlu tanggung bila kereta kena tarik (dalam versi bahasa inggeris seperti yang termaktub di dalam Hire Purchase Act 1967).
FIFTH SCHEDULE
NOTICE TO HIRERS UNDER SECTION 16
Now that the goods you hired have been re-possessed you will be entitled to get them back-
(a) if, within fourteen days you require the owner, by notice in writing signed by you or your agent, to redeliver
the goods to you and if, within fourteen days after giving the notice, you reinstate the agreement by
paying the arrears and remedy the following breaches of the agreement (or pay the owner's expenses in
remedying them):
The owner's estimate of the amount you must pay to reinstate the agreement is-
Arrears of instalments RM..............
Arrears of interest due on overdue instalments RM..............
Cost of storage, repair or maintenance RM..............
Cost of re-possession RM..............
Cost of re-delivery RM..............
Total RM_______
or
(b) if within fourteen days, you give notice of intention to finalise the agreement and pay the balance due
under the agreement and pay the balance due under the agreement and costs of the re-possession:
The owner's estimate of the amount required to finalize the agreement is-
Total amount payable under the agreement RM..............
Less deposit and instalments paid RM..............
Balance due under agreement RM..............
Less statutory rebates RM..............
Add arrears of interest due on overdue instalments RM..............
[Ins. Act A813:s.36]
Add costs of re-possession RM..............
Storage, repair or maintenance RM..............
Total RM_________
If you do not reinstate or finalize the agreement you will be liable for the owner's loss unless the value of the
goods re-possessed is sufficient to cover your liability. If the value of the goods is more than sufficient to cover
your ability you will be entitled to a refund.
The owner's estimate of the value of the goods re-possessed is RM..................
* On the basis of that estimates you are entitled to a refund of RM…………..
you are liable to pay the owner RM..................
NOTE- You may give a written notice to the owner requiring the owner to sell the goods to any cash buyer you
can introduce who is willing to pay the owner's estimate of the value, i.e.,+
Apamacam ??..okey ka..cepat la cari duit tu. Untuk duit setor tu selalunya caj yang dikenakan sekitar RM10.00 sehari x 21 hari = RM210.00.
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