小額錢債 - 急! 救幫忙

你在十幾年前申請過的信用卡，但信用卡既欠款唔會係十幾年前呱?!
如果係十幾年前既欠款，法律規定既追討期限已過，銀行已經唔可以追。
但銀行好少會過期追數，所以你Ｄ欠款應該仍然可以追。


1) 那麼我是否可以不用理會?

可以唔理會。但後果嚴重。。。
你更改地址，你有責任通知債權人（銀行），
如果你唔通知債權人，債權人就可以寄追數信及
所有法庭既文件去你最後既地址（舊地址），
咁既做法係合法架。如果最後小額錢債處出咗裁決，
咁你就唔可以用＂收唔到追數信或法庭既文件＂
嚟做抗辯理由。個裁決對你係有效既，
亦沒有執行期限，即係追一世都得。
所以唔好唔理會佢。


2) 他們會否去打擾我以前那地址正住在的人, 例如入屋搜查關於我的資料?

唔可以。
佢地唔可以打擾打擾舊地址的人，入屋搜查亦要有搜查令先得，
一般都唔會申請到。


3) 其實過了十幾年的信用卡欠債是否不會自動除消的,?
如沒有還清是否一世都會追?

信用卡欠款係有６年追討期限，過咗就唔可以追。
所以唔會一世都追。


4) 如被告人已離開香港, 申索人及小額錢債會否知道?

唔會知道。


4) 會否追查被告人在香港以外的一切資產及財富?

唔會追查到。世界太大，點搵？


2014-11-04 13:13:20 補充：
根據《時效條例》第４條
(1) 以下訴訟，於訴訟因由產生的日期起計滿6年後，不得提出─
(a) 基於簡單合約或侵權行為的訴訟；
。。。
除非有其他情況，例如所簽的是蓋印文據，
否則６年追討期限過後就唔可以追。

2014-11-04 13:14:23 補充：
根據《時效條例》第４條
(1) 以下訴訟，於訴訟因由產生的日期起計滿6年後，不得提出─
(a) 基於簡單合約或侵權行為的訴訟；
... ...
除非有其他情況，例如所簽的是蓋印文據，
否則６年追討期限過後就唔可以追。

2014-11-04 13:27:31 補充：
銀行，財務公司同金融機構有個信貸資料庫，
佢地會交換資料，即係你既欠債，其他金融機構都會知。
將來如果你要同呢Ｄ機構開戶或借貸都會受影響。

2014-11-07 02:34:55 補充：
LIMITATION ORDINANCE s.3(1)(a) is applicable.
The 6-yr period runs from the date on which the cause of action accrued
ie when the debtor is in default, not at the time when the creditor collect the debt (Debt collection doesn't give rise to a "cause of action")

2014-11-07 02:38:50 補充：
No matter how hard the creditor tried to collect the debt even after the 6 yrs period, the statutory limit applies and the creditor's right "expired". Expired is expired. There is no debt that survives forever!!!

2014-11-07 02:40:30 補充：
The correct way for the creditor to protect his right is to take out a writ before the expiration of the limitation period, not chasing the debt non-stop.

Pls check with a friend who works in a bank to confirm my words.

2014-11-07 02:44:33 補充：
It is sufficient for a creditor to provide the last known address of the debtor in the writ. If a debtor did not provide the creditor his updated address, there is no way that the creditor could find the debtor especially if the debtor intended to avoid his obligation.

似乎你知道的比不知道的還要多，小額庭最高只追討五萬，你真正欠款可能還要多，其實你想點，你是知道的。

1. No. In 2 reasons:

a. If you have not received anything, you won't know about this lawsuit. In that case, you are not supposed to appear in the court on the date of schedule. Then the Plaintiff (the bank) can win the case as default judgment;

b. What the Plaintiff needs to prove is the Plaintiff has done its diligence in finding your address and notifying you. The Plaintiff does not have to get your accurate address in order to succeed.

(In other word, as soon as the Plaintiff can prove you have used this address before and they have mailed to there, its responsibility is completed.)

2. No. They can't and they won't

3. It depends how old the debt was and the effort of debt collection.

4. The court can't go outside Hong Kong. But the Plaintiff (the bank) can pursue you overseas (asking the local court to validate the same judgment).


2014-11-04 18:42:37 補充：
It does not matter how long was that ago.

Failure to appear means you failed to raise defense. The bank can still win with a default judgment.

Beside - the statute of limitation does not based on when was the debt generated, but how long has the bank stop the collection.

2014-11-04 18:46:09 補充：
rhdiddl, I don't think it is correct to raise the statute of limitation issue.

The 6-year limit is based on when did the bank stop collection, not when the debt is generated.

Also - if the debtor has no accurate personal information on file for collection, the limit can be tolled.

2014-11-07 04:54:03 補充：
At the least - we never know when the debt was in default.

"那欠款真的是十多年前的" could mean a lot.

Bottom line - failure to respond will definitely hurt the defense.