{"id":5985,"date":"2025-11-16T10:03:46","date_gmt":"2025-11-16T02:03:46","guid":{"rendered":"https:\/\/yhalaw.com.my\/?p=5985"},"modified":"2025-11-16T13:51:32","modified_gmt":"2025-11-16T05:51:32","slug":"moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution","status":"publish","type":"post","link":"https:\/\/yhalaw.com.my\/zh\/moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution\/","title":{"rendered":"MONEYLENDING \u2013 ILLEGALITY\u2013 COURT OF APPEAL: LICENSED MONEYLENDERS CAN RECOVER VOID LOANS UNDER RESTITUTION"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\"><strong>1. Summary and Facts<\/strong><\/h3>\n\n\n\n<p>In Golden Wheel Credit Sdn Bhd v Dato\u2019 Siah Teong Din [2025] MLJU 2245, the Court of Appeal examined whether a licensed moneylender can recover loan monies under restitution (Section 66 Contracts Act 1950) when its moneylending agreements are void for non-compliance with the Moneylenders Act 1951 (\u201cMLA 1951\u201d).<\/p>\n\n\n\n<p>Golden Wheel Credit, a licensed moneylender, entered two moneylending agreements with Dato\u2019 Siah Teong Din in July and August 2018, totaling RM3.5 million at an interest rate of 18% per annum.<\/p>\n\n\n\n<p>The borrower instructed the lender to disburse the funds to a property company, Instant Bonus Sdn Bhd, of which he was a director. Instant Bonus later went into liquidation, and only RM40,000 was repaid.<\/p>\n\n\n\n<p>Hence, the lender claims for restitution rather than enforcement of the loan agreements, which it admitted were void due to non-compliance with MLA 1951.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Legal Issues<\/strong><\/h3>\n\n\n\n<p>\u2022 Whether the Moneylending Agreements which are void and unenforceable under the MLA 1951 are also illegal.<br>\u2022 Whether the appellant is entitled to recover restitution of the unpaid principal under Section 66 of the Contracts Act 1950.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Court\u2019s Findings<\/strong><\/h3>\n\n\n\n<p>\u2022 The Court clarified that not all void agreements are illegal.<br>\u2022 Court applied the \u201cDetik Ria Guidelines\u201d, which require assessing the centrality of illegality and the proportionality of denying remedy.<br>\u2022 The Court of Appeal held that Golden Wheel\u2019s agreements were void but not illegal.<br>\u2022 Section 66 allows restitution for benefits received under void agreements.<br>\u2022 The court ordered the respondent to repay the appellant the sum of RM3,383,500 with interest at 5% per annum from the date of judgment, and cost of RM50,000.<br>\u2022 The court held that denying restitution would result in unjust enrichment.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Practical Implications<\/strong><\/h3>\n\n\n\n<p>This judgment established an important legal precedent clarifying that non-compliance with the MLA 1951 does not necessarily render a loan agreement illegal:<br>\u2022 Particularly when the moneylender is licensed and the breach is technical in nature.<br>\u2022 The purpose of MLA 1951 was to curb unlicensed and exploitative moneylending, not to penalize licensed moneylenders for procedural errors.<br>\u2022 It also affirmed that restitution under Section 66 CA 1950 is available even in cases of void contracts, provided that granting such relief is consistent with proportionality and public policy.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In Golden Wheel Credit Sdn Bhd v Dato\u2019 Siah Teong Din [2025] MLJU 2245, the Court of Appeal ruled that a licensed moneylender may recover loan monies under section 66 of the Contracts Act 1950, even when the moneylending agreements are void for technical non-compliance with the Moneylenders Act 1951. The Court held that while the agreements were void and unenforceable, they were not illegal, as the lender was duly licensed and the transactions were genuine. Applying the Federal Court\u2019s Detik Ria principles, the Court found that restitution was proportionate and justified, ordering repayment of RM3.38 million to prevent unjust enrichment.<\/p>\n","protected":false},"author":1,"featured_media":5987,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1568,18],"tags":[2999,2286,2896,3698,3572],"class_list":["post-5985","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-contract-law","category-updates","tag-civil-procedure","tag-contract-law","tag-illegality","tag-moneylenders-act","tag-unjust-enrichment"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>MONEYLENDING \u2013 ILLEGALITY\u2013 COURT OF APPEAL: LICENSED MONEYLENDERS CAN RECOVER VOID LOANS UNDER RESTITUTION | Yew Huoi, How &amp; Associates | Leading Malaysia Law Firm<\/title>\n<meta name=\"description\" content=\"In Golden Wheel Credit Sdn Bhd v Dato\u2019 Siah Teong Din [2025] MLJU 2245, the Court of Appeal ruled that a licensed moneylender may recover loan monies under section 66 of the Contracts Act 1950, even when the moneylending agreements are void for technical non-compliance with the Moneylenders Act 1951. The Court held that while the agreements were void and unenforceable, they were not illegal, as the lender was duly licensed and the transactions were genuine. Applying the Federal Court\u2019s Detik Ria principles, the Court found that restitution was proportionate and justified, ordering repayment of RM3.38 million to prevent unjust enrichment.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/yhalaw.com.my\/zh\/moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution\/\" \/>\n<meta property=\"og:locale\" content=\"zh_TW\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"MONEYLENDING \u2013 ILLEGALITY\u2013 COURT OF APPEAL: LICENSED MONEYLENDERS CAN RECOVER VOID LOANS UNDER RESTITUTION | Yew Huoi, How &amp; Associates | Leading Malaysia Law Firm\" \/>\n<meta property=\"og:description\" content=\"In Golden Wheel Credit Sdn Bhd v Dato\u2019 Siah Teong Din [2025] MLJU 2245, the Court of Appeal ruled that a licensed moneylender may recover loan monies under section 66 of the Contracts Act 1950, even when the moneylending agreements are void for technical non-compliance with the Moneylenders Act 1951. The Court held that while the agreements were void and unenforceable, they were not illegal, as the lender was duly licensed and the transactions were genuine. Applying the Federal Court\u2019s Detik Ria principles, the Court found that restitution was proportionate and justified, ordering repayment of RM3.38 million to prevent unjust enrichment.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/yhalaw.com.my\/zh\/moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution\/\" \/>\n<meta property=\"og:site_name\" content=\"Yew Huoi, How &amp; Associates | Leading Malaysia Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/yhalaw\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-16T02:03:46+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-16T05:51:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/yhalaw.com.my\/wp-content\/uploads\/2025\/11\/moneylending1-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"YHA Admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u4f5c\u8005:\" \/>\n\t<meta name=\"twitter:data1\" content=\"YHA Admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u9810\u4f30\u95b1\u8b80\u6642\u9593\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/yhalaw.com.my\\\/moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/yhalaw.com.my\\\/moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution\\\/\"},\"author\":{\"name\":\"YHA Admin\",\"@id\":\"https:\\\/\\\/yhalaw.com.my\\\/#\\\/schema\\\/person\\\/f778c60834a29c5ec215ab62d3207bef\"},\"headline\":\"MONEYLENDING \u2013 ILLEGALITY\u2013 COURT OF APPEAL: LICENSED MONEYLENDERS CAN RECOVER VOID LOANS UNDER RESTITUTION\",\"datePublished\":\"2025-11-16T02:03:46+00:00\",\"dateModified\":\"2025-11-16T05:51:32+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/yhalaw.com.my\\\/moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution\\\/\"},\"wordCount\":357,\"publisher\":{\"@id\":\"https:\\\/\\\/yhalaw.com.my\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/yhalaw.com.my\\\/moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/yhalaw.com.my\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/moneylending1-1.jpg\",\"keywords\":[\"civil procedure\",\"contract law\",\"illegality\",\"Moneylenders Act\",\"unjust enrichment\"],\"articleSection\":[\"Contract Law\",\"Updates\"],\"inLanguage\":\"zh-TW\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/yhalaw.com.my\\\/moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution\\\/\",\"url\":\"https:\\\/\\\/yhalaw.com.my\\\/moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution\\\/\",\"name\":\"MONEYLENDING \u2013 ILLEGALITY\u2013 COURT OF APPEAL: LICENSED MONEYLENDERS CAN RECOVER VOID LOANS UNDER RESTITUTION | Yew Huoi, How &amp; Associates | Leading Malaysia Law Firm\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/yhalaw.com.my\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/yhalaw.com.my\\\/moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/yhalaw.com.my\\\/moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/yhalaw.com.my\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/moneylending1-1.jpg\",\"datePublished\":\"2025-11-16T02:03:46+00:00\",\"dateModified\":\"2025-11-16T05:51:32+00:00\",\"description\":\"In Golden Wheel Credit Sdn Bhd v Dato\u2019 Siah Teong Din [2025] MLJU 2245, the Court of Appeal ruled that a licensed moneylender may recover loan monies under section 66 of the Contracts Act 1950, even when the moneylending agreements are void for technical non-compliance with the Moneylenders Act 1951. The Court held that while the agreements were void and unenforceable, they were not illegal, as the lender was duly licensed and the transactions were genuine. 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The Court held that while the agreements were void and unenforceable, they were not illegal, as the lender was duly licensed and the transactions were genuine. Applying the Federal Court\u2019s Detik Ria principles, the Court found that restitution was proportionate and justified, ordering repayment of RM3.38 million to prevent unjust enrichment.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/yhalaw.com.my\/zh\/moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution\/","og_locale":"zh_TW","og_type":"article","og_title":"MONEYLENDING \u2013 ILLEGALITY\u2013 COURT OF APPEAL: LICENSED MONEYLENDERS CAN RECOVER VOID LOANS UNDER RESTITUTION | Yew Huoi, How &amp; Associates | Leading Malaysia Law Firm","og_description":"In Golden Wheel Credit Sdn Bhd v Dato\u2019 Siah Teong Din [2025] MLJU 2245, the Court of Appeal ruled that a licensed moneylender may recover loan monies under section 66 of the Contracts Act 1950, even when the moneylending agreements are void for technical non-compliance with the Moneylenders Act 1951. The Court held that while the agreements were void and unenforceable, they were not illegal, as the lender was duly licensed and the transactions were genuine. Applying the Federal Court\u2019s Detik Ria principles, the Court found that restitution was proportionate and justified, ordering repayment of RM3.38 million to prevent unjust enrichment.","og_url":"https:\/\/yhalaw.com.my\/zh\/moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution\/","og_site_name":"Yew Huoi, How &amp; Associates | Leading Malaysia Law Firm","article_publisher":"https:\/\/www.facebook.com\/yhalaw","article_published_time":"2025-11-16T02:03:46+00:00","article_modified_time":"2025-11-16T05:51:32+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/yhalaw.com.my\/wp-content\/uploads\/2025\/11\/moneylending1-1.jpg","type":"image\/jpeg"}],"author":"YHA Admin","twitter_card":"summary_large_image","twitter_misc":{"\u4f5c\u8005:":"YHA Admin","\u9810\u4f30\u95b1\u8b80\u6642\u9593":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/yhalaw.com.my\/moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution\/#article","isPartOf":{"@id":"https:\/\/yhalaw.com.my\/moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution\/"},"author":{"name":"YHA Admin","@id":"https:\/\/yhalaw.com.my\/#\/schema\/person\/f778c60834a29c5ec215ab62d3207bef"},"headline":"MONEYLENDING \u2013 ILLEGALITY\u2013 COURT OF APPEAL: LICENSED MONEYLENDERS CAN RECOVER VOID LOANS UNDER RESTITUTION","datePublished":"2025-11-16T02:03:46+00:00","dateModified":"2025-11-16T05:51:32+00:00","mainEntityOfPage":{"@id":"https:\/\/yhalaw.com.my\/moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution\/"},"wordCount":357,"publisher":{"@id":"https:\/\/yhalaw.com.my\/#organization"},"image":{"@id":"https:\/\/yhalaw.com.my\/moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution\/#primaryimage"},"thumbnailUrl":"https:\/\/yhalaw.com.my\/wp-content\/uploads\/2025\/11\/moneylending1-1.jpg","keywords":["civil procedure","contract law","illegality","Moneylenders Act","unjust enrichment"],"articleSection":["Contract Law","Updates"],"inLanguage":"zh-TW"},{"@type":"WebPage","@id":"https:\/\/yhalaw.com.my\/moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution\/","url":"https:\/\/yhalaw.com.my\/moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution\/","name":"MONEYLENDING \u2013 ILLEGALITY\u2013 COURT OF APPEAL: LICENSED MONEYLENDERS CAN RECOVER VOID LOANS UNDER RESTITUTION | Yew Huoi, How &amp; Associates | Leading Malaysia Law Firm","isPartOf":{"@id":"https:\/\/yhalaw.com.my\/#website"},"primaryImageOfPage":{"@id":"https:\/\/yhalaw.com.my\/moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution\/#primaryimage"},"image":{"@id":"https:\/\/yhalaw.com.my\/moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution\/#primaryimage"},"thumbnailUrl":"https:\/\/yhalaw.com.my\/wp-content\/uploads\/2025\/11\/moneylending1-1.jpg","datePublished":"2025-11-16T02:03:46+00:00","dateModified":"2025-11-16T05:51:32+00:00","description":"In Golden Wheel Credit Sdn Bhd v Dato\u2019 Siah Teong Din [2025] MLJU 2245, the Court of Appeal ruled that a licensed moneylender may recover loan monies under section 66 of the Contracts Act 1950, even when the moneylending agreements are void for technical non-compliance with the Moneylenders Act 1951. The Court held that while the agreements were void and unenforceable, they were not illegal, as the lender was duly licensed and the transactions were genuine. Applying the Federal Court\u2019s Detik Ria principles, the Court found that restitution was proportionate and justified, ordering repayment of RM3.38 million to prevent unjust enrichment.","breadcrumb":{"@id":"https:\/\/yhalaw.com.my\/moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution\/#breadcrumb"},"inLanguage":"zh-TW","potentialAction":[{"@type":"ReadAction","target":["https:\/\/yhalaw.com.my\/moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution\/"]}]},{"@type":"ImageObject","inLanguage":"zh-TW","@id":"https:\/\/yhalaw.com.my\/moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution\/#primaryimage","url":"https:\/\/yhalaw.com.my\/wp-content\/uploads\/2025\/11\/moneylending1-1.jpg","contentUrl":"https:\/\/yhalaw.com.my\/wp-content\/uploads\/2025\/11\/moneylending1-1.jpg","width":1200,"height":630},{"@type":"BreadcrumbList","@id":"https:\/\/yhalaw.com.my\/moneylending-illegality-court-of-appeal-licensed-moneylenders-can-recover-void-loans-under-restitution\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/yhalaw.com.my\/"},{"@type":"ListItem","position":2,"name":"MONEYLENDING \u2013 ILLEGALITY\u2013 COURT OF APPEAL: LICENSED MONEYLENDERS CAN RECOVER VOID LOANS UNDER RESTITUTION"}]},{"@type":"WebSite","@id":"https:\/\/yhalaw.com.my\/#website","url":"https:\/\/yhalaw.com.my\/","name":"Yew Huoi, How &amp; Associates | Leading Malaysia Law Firm","description":"YHA Law Firm is a leading law firm in Malaysia.Specialises in handling Civil,Maritime,Shipping Matters,Company Law,Family Law,Real Estate and many more","publisher":{"@id":"https:\/\/yhalaw.com.my\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/yhalaw.com.my\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"zh-TW"},{"@type":"Organization","@id":"https:\/\/yhalaw.com.my\/#organization","name":"Yew Huoi, How & Associates Law Firm | yhalaw.com.my","url":"https:\/\/yhalaw.com.my\/","logo":{"@type":"ImageObject","inLanguage":"zh-TW","@id":"https:\/\/yhalaw.com.my\/#\/schema\/logo\/image\/","url":"https:\/\/yhalaw.com.my\/wp-content\/uploads\/2020\/06\/YHA-Law-Logo-White-BG-New@2x-e1668772571446.png","contentUrl":"https:\/\/yhalaw.com.my\/wp-content\/uploads\/2020\/06\/YHA-Law-Logo-White-BG-New@2x-e1668772571446.png","width":2080,"height":369,"caption":"Yew Huoi, How & Associates Law Firm | yhalaw.com.my"},"image":{"@id":"https:\/\/yhalaw.com.my\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/yhalaw"]},{"@type":"Person","@id":"https:\/\/yhalaw.com.my\/#\/schema\/person\/f778c60834a29c5ec215ab62d3207bef","name":"YHA Admin","sameAs":["https:\/\/yhalaw.com.my"]}]}},"_links":{"self":[{"href":"https:\/\/yhalaw.com.my\/zh\/wp-json\/wp\/v2\/posts\/5985"}],"collection":[{"href":"https:\/\/yhalaw.com.my\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/yhalaw.com.my\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/yhalaw.com.my\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yhalaw.com.my\/zh\/wp-json\/wp\/v2\/comments?post=5985"}],"version-history":[{"count":1,"href":"https:\/\/yhalaw.com.my\/zh\/wp-json\/wp\/v2\/posts\/5985\/revisions"}],"predecessor-version":[{"id":5988,"href":"https:\/\/yhalaw.com.my\/zh\/wp-json\/wp\/v2\/posts\/5985\/revisions\/5988"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/yhalaw.com.my\/zh\/wp-json\/wp\/v2\/media\/5987"}],"wp:attachment":[{"href":"https:\/\/yhalaw.com.my\/zh\/wp-json\/wp\/v2\/media?parent=5985"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yhalaw.com.my\/zh\/wp-json\/wp\/v2\/categories?post=5985"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yhalaw.com.my\/zh\/wp-json\/wp\/v2\/tags?post=5985"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}