Being a guarantor for a loan can often be seen as an act of trust and support, but what happens when this gesture of goodwill turns into a financial nightmare?
This is the experience of a civil servant who is now grappling with the unintended consequences of her decision to guarantee her ex-husband’s car loan.
Ex-husband leaves her with unpaid RM13K car loan
When the woman agreed to be the guarantor for her ex-husband’s car loan, she likely saw it as a temporary commitment to help someone she once cared about.
However, her good intentions have led her into a complex and distressing situation. Recently, she received a court writ demanding her presence due to her ex-husband’s failure to make payments on the loan.
Despite her attempts to negotiate a solution with the bank and legal representatives, the full repayment remains her responsibility.
“I am completely at a loss. I don’t have the money,” she shared, revealing the gravity of her predicament.
Ex-husband’s claim that the car is unusable and stuck at a workshop
With RM13,000 still owed on the loan, the financial strain on the woman is significant. She is a single mother supporting four children, making it nearly impossible for her to cover such a large debt.
To make matters worse, her ex-husband’s claim that the car is unusable and stuck at a workshop means she cannot rely on selling the vehicle to alleviate some of the debt.
“My salary is small. I support four children by myself. Where am I supposed to find such a large amount of money?” she questioned.
Compounding her difficulties is the apparent lack of support from her ex-husband’s family, who have not offered any assistance in resolving the issue.
This absence of help has left her feeling abandoned and overwhelmed.
“I’ve had a severe migraine for two days thinking about this. I can’t even sleep properly. I’m worried about where to find the money,” she lamented.
‘You need to attend court and appeal’
The woman’s plight has sparked a wave of sympathy and advice from netizens.
One commenter recommended addressing the issue directly in court:
“It’s unfortunate to have a husband like this. Just go to court, explain your situation, and tell them what you can afford to pay each month. The judge will guide you. Don’t be scared of the court; you can negotiate any decision they make. The bank will have to comply.”
Another suggested seeking help from the AKPK (Agensi Kaunseling dan Pengurusan Kredit), sharing their own family’s experience:
“Try AKPK. It’s similar to my mother’s case. I was a witness. It’s really unfortunate, but that’s the role of a guarantor.”
Additionally, some advised filing an appeal to the court to reduce the repayment amount:
“You need to attend court and appeal to minimise the repayment as much as possible. The court will consider your appeal.”
