Luqman's musings

  Disclaimer: This article contains personal views and analysis on matters of public interest. It is not legal advice. Readers should consult a qualified lawyer for advice on their specific circumstances. From Sivadevi to Thameez and the Question of Sabah ’s 60 ‑ Year Horizon In Part 5, I exposed the inequity: borrowers in the Peninsula lived under a 12 ‑ year horizon, while borrowers in Sabah faced a 60 ‑ year horizon. The same default, but radically different consequences depending on geography. That inequity could not stand unchallenged. Courts revisit their own decisions, and when they do, the consequences ripple across the federation.

In Part 4, I wrote about leadership — how silence and deflection erode trust when institutions fail to act. But leadership failures are magnified when the law itself is unequal. That is the inequity I confront here: borrowers in Malaysia do not all live under the same legal horizon. Different statutory regimes mean that the very rules of foreclosure are not applied uniformly.