14/04/2022
๐๐๐๐ฅ ๐๐๐น ๐๐ค ๐ธ๐๐๐ ๐จ๐๐ ๐ฅ๐ ๐ป๐ ๐ธ๐๐๐๐๐ค๐ฅ ๐ป๐๐๐๐ฆ๐๐ฅ๐๐ฃ๐ค ?
1. ๐ท๐๐๐ ๐ต๐๐๐๐ ๐๐ ๐ซ๐๐๐๐๐๐๐๐๐ ๐๐ ๐ท๐๐๐๐๐
If you donโt want to suffer the embarrassment of having your name included in a list of defaulters for all to see, then promptly pay the maintenance fee and the sinking fund contribution. This is because the JMB or MC has the power to prepare and post a list of defaulters along with the unit number and outstanding balance. Itโs really shameful for your friends and family members to see this, but itโs more concerning for the latter as they are directly affected by this.
2. ๐ท๐๐๐๐๐๐ ๐ซ๐๐๐๐๐๐๐๐๐ ๐๐๐๐ ๐ผ๐๐๐๐๐๐๐๐ ๐บ๐๐๐๐๐
๐ญ๐๐๐๐๐๐๐๐๐
The JMB or MC has the right to obstruct defaulters, their immediate family, guests and tenants from enjoying the facilities in a strata development. This is because the maintenance fee and the sinking fund contribution that you have failed to pay are partly used for the upkeep of such facilities. So next time you are sweating it out at a condoโs gym or having a leisurely swim at the pool, be sure to have paid the aforementioned charges. Otherwise, you risk the spectacle of being shouted at and chased away from using these facilities.
3. ๐ถ๐๐๐๐๐๐๐ ๐ซ๐๐๐๐๐๐๐๐๐ ๐๐๐๐ ๐จ๐๐๐๐๐๐๐๐ ๐ช๐๐๐๐๐ ๐จ๐๐๐๐
Similar to number two, the management has the power to block defaulters from utilizing the common areas, which are maintained and managed through the fees paid by each unit owner.
Generally, the common areas in a strata development include the land the building stands on, the entire physical structure, plumbing system, heating and air conditioning systems, electrical systems, windows, roofs, stairs and hallways, elevators, swimming pools, tennis courts, carparks, and landscaping. Hence, if your unit is on a high level, better pay the maintenance fee and the sinking fund contribution, unless you want to be deprived of the right to use the elevator.
4. ๐บ๐๐๐๐๐๐
๐ท๐๐๐๐๐๐๐
๐จ๐๐๐๐๐ ๐๐ ๐ป๐๐๐๐๐๐๐๐ ๐๐ ๐ฌ๐๐๐๐๐๐๐
Visiting a condominium as a guest can be a hassle, as you need to undergo strict security protocols. But can an actual unit owner be forced to enter the premises as a guest? The answer is yes, either youโve forgotten or lost your passcard or youโre a defaulter whose passcard was disabled. In fact, the JMB or MC has the power to deactivate the electromagnetic access device of defaulters, forcing them to enter premises as guests. So if youโre the impatient sort, be sure to pay your dues unless you wish to go through the security queue every single time you enter and exit your condo.
5. ๐ฐ๐๐๐๐๐๐๐ ๐๐๐ ๐บ๐๐๐๐๐๐๐ ๐ฎ๐๐๐๐
๐๐ ๐ญ๐๐๐๐๐ ๐ซ๐๐๐๐๐๐๐๐
One disgraceful reminder that you really need to pay the maintenance fee and the sinking fund contribution is when thereโs a security guard following you to your unitโs doorstep after youโve arrived, or to your allocated car park when youโre about to leave. While you can consider this as an annoying harassment, this is a justified and practical move on the part of the JMB or MC, as it ensures that defaulters donโt utilise any of the shared facilities in the strata project.
6. ๐บ๐๐๐๐ ๐ณ๐๐๐๐๐ ๐๐ ๐ซ๐๐๐๐๐
(๐ณ๐ถ๐ซ) ๐๐ ๐ซ๐๐๐๐๐๐๐๐๐
The JMB or MC, as the entity empowered by the Strata Management Act of 2013 to collect maintenance fee and sinking fund contribution, is also given the power to serve a written notice demanding unit owners to settle their dues within a minimum period of 14 days. Please note that there is no required minimum amount to serve such notice.
7. ๐บ๐๐ ๐ซ๐๐๐๐๐๐๐๐ ๐๐ ๐บ๐๐๐๐๐ ๐ด๐๐๐๐๐๐๐๐๐ ๐ป๐๐๐๐๐๐๐
If the outstanding fees are still unpaid after the provided time frame of at least 14 days has expired, the JMB or MC may file a summon or claim in a court or the Strata Management Tribunal to recover the amount owed.
Any unit owner, who without reasonable excuse, fails to comply with the demand for payment is deemed to have committed an offence. If convicted, the defaulter will face a maximum fine of RM5,000 and/or imprisonment of up to three years. If the offence continues, he will be liable to a fine of not more than RM50 for every day or part thereof during which the offence persists after conviction.
8. ๐ฌ๐๐๐๐ ๐ผ๐๐๐ ๐พ๐๐๐๐๐๐ ๐ท๐๐๐๐๐๐๐๐๐ ๐จ๐๐
๐ช๐๐๐๐๐๐๐๐๐ ๐๐๐๐ ๐ป๐๐๐๐๐
As an alternative to taking the defaulter to court or the tribunal, the JMB may apply for a warrant of attachment from the Commissioner of Buildings (COB). The warrant authorises the JMB to confiscate any of the defaulter's movable property (e.g. TV, PC, laptop, smartphone) found inside his unit or elsewhere in the state.
If the sum due is still not paid within 14 days from the date of attachment, the seized movable properties can be auctioned off to pay the defaulter's outstanding balance. The warrant of attachment allows a representative from the JMB to forcibly enter the defaulter's unit in the daytime and confiscate movable properties. If the person holding the warrant encounters difficulties in executing the warrant, he may seek the help of the Commissioner of Buildings, who in turn can seek the assistance of a police officer to execute the warrant.
9. ๐น๐๐๐ ๐ซ๐๐๐๐๐๐๐๐โ๐ ๐ช๐๐๐
๐๐ ๐บ๐๐๐๐ ๐๐ ๐ช๐ป๐ถ๐บ ๐๐๐
๐ช๐ช๐น๐ฐ๐บ
This can negatively impact your finances. If the JMB reports you as a defaulter in CTOS and Bank Negara Malaysiaโs Central Credit Reference Information System (CCRIS), then you will encounter difficulty in obtaining loans from financial institutions.
This is because both CTOS and CCRIS show your financial commitments and how you have repaid them or not. Essentially, these credit reports are used by banks to assess your credit worthiness. So if you have been marked as a defaulter, itโs still possible to get loans, but this credit is likely to come with higher interest rates and low margins of financing compared to those obtained by borrowers of good standing.
Let us see what kind of actions JMBs can lawfully impose on defaulters.