Advocates & Solicitors
Notary Public
Trade Marks Agent

G-3A-10, Phileo Damansara 1,
9, Jalan 16/11, off Jalan Damansara,
46350 Petaling Jaya, Selangor,
T: +603-7957 8778
F: +603-7957 1771
E-mail: ringo@ringolow.com.my


Originally set up in March 2000, the firm of Ringo Low & Associates was reconstituted in March 2003.

It is now a partnership firm consisting of 4 actively practising lawyers and 10 staffs, all of who have many years of experience.

We have amongst our clientele, local and off shore banking and financial institutions, factoring houses, leasing companies, public listed and private limited companies of varied disciplines.

The areas of practice cover most aspects of banking, building and construction, commerce, contracts, conveyancing, corporate, factoring, hire-purchase, insolvency, land, liquidation, money-lending, probate, property, torts, trade marks and wills.

Our litigation exposure is with great emphasis on corporate, commercial and civil litigation at all levels of the Courts' hierarchy. We have also been actively involved in debt recovery claims for individual and corporate clients, contractual disputes as well as corporate restructuring exercises involving listed companies. Our partners have also accepted briefs as counsel in many matters.

Our conveyancing exposure involves the preparation of loan documentations and facilities agreements on behalf of several financial institutions, local and off shore based, conventional and Islamic loans as well and the preparation of documents for sale and purchase of property, both movables and immovables, including stocks and shares. We are also actively involved as solicitors for a few developers in several housing and mixed development projects in and around the Klang Valley. We are also on the panels of several banks providing end financing.

Our advisory exposure does encompass all the aspects of corporate, commercial, contract and civil laws.

We continuously strive for excellence with our dedicated and efficient service and take pride in the growing repute of the Firm.


1.Dato' Arifin bin Haji Jaka DSNS, DSN, JP, PJK was born on 15 June 1939 in Negeri Sembilan. He was admitted to the English Bar as a Barrister at Law of the Honourable Society of Lincoln's Inn. In 1970, he joined the judicial and legal services and held various posts: President of the Sessions Court; Senior Assistant Registrar of the High Court; Senior Federal Counsel and Deputy Public Prosecutor.

Dato' Arifin
left the judicial and legal services in 1976 and was admitted to the Malaysian Bar in February 1976. He was practicing law as the principal and founding partner of M/s Arifin & Partners until his appointment in 1992 as a Judicial Commissioner of the High Court of Malaya.

Dato' Arifin was sworn in as a Judge of the High Court of Malaya on 17-8-1994 before His Majesty the King of Malaysia and on 1-8-2003, he was elevated as a Justice of Appeal of the Court of Appeal and carried out his judicial duties thereat until he retired on 15-12-2004.

Dato' Arifin joined M/s Ringo Low & Associates as a Consultant/Principal Partner with effect from 1st March 2005.

With Dato' Arifin's invaluable judicial experience, the Firm is indeed very fortunate to have his active participation in many matters where his expertise are continuously sought.
2.Ringo Low Kim Leng is 48 years of age. He is an honours graduate of Manchester Metropolitan University with a Bachelor of Arts (Hons) degree in Law in 1983 and was admitted to the English Bar as a member of the Honourable Society of Gray's Inn in 1984.

He was admitted to the Malaysian Bar in June 1985.

He worked as a legal assistant with M/s Arifin & Partners from 1985 to 1989 principally in civil and corporate litigation covering areas
involving banking, contracts, hire purchase, insolvency and insurance laws.

In the middle of 1989 he joined M/s Soo Thien Ming & Shahrizat as a senior legal assistant in civil and corporate litigation with particular emphasis on laws relating to banking and financial institutions until 1994 when he was admitted as a partner of M/s Soo Thien Ming & Nashrah. He had remained with the same firm for 11 years until he left to set up the Firm in April 2000.

He has more than 24 years of experience in civil litigation with particular emphasis on banking, hire purchase, contracts, corporate, building contracts, tort, liquidation, land and trade marks with substantial exposure at both the High Court level and the Appellate Courts, consisting of the Court of Appeal and Federal Court as well. Of late he has been involved in a few corporate restructuring exercises, which have been completed successfully.

He has also handled conveyancing matters such as drafting agreements for sale and purchase of property and shares and loans transactions, including those offered by licensed off shore banks.

He is often consulted by many a banking or financial institution clients and had conducted in house seminars and training for institutional clients on various topics of law and procedure.

He has also appeared as counsel in several landmark cases, which are reported in the law journals and are often cited by counsels, such as the following:

The Chartered Bank v Cheviot Industries (M) Sdn Bhd & Anor
[1988] 2 CLJ 859 (High Court)
(Validity of Guarantee and Proper demand)

Arab-Malaysian Merchant Bank Berhad v Sin Hiap Enterprise
[1989] 2 CLJ 980 (High Court)
(Whether debtor of factoring arrangement can invoke fraud perpetrated with assignor to escape liability)

Ong Ah Kooi v Public Finance Bhd
[1992] 1 CLJ 177 (High Court)
(Setting aside Order for substituted service by judgment debtor abroad)

Pembenaan Leow Tuck Chui & Sons SB v Dr Leela's Medical Centre SB [1995] 2 CLJ 345 (Supreme Court)
(On the issue of whether set off for claims of defects or damages is permitted against interim certificates for payments issued by architects)

Public Finance Bhd v Jetfast Sdn Bhd

[1995] 3 CLJ 243 (High Court)
(Removal of private caveats lodged by purchasers on land charged by the developer)

Public Finance Bhd v Ehwan bin Saring
[1996] 1 MLJ 331 (High Court)
(Liability of a hire-purchase financier for the loss suffered by a hirer as a result of seizure of the motorcar by the authorities)

Public Finance Bhd v Natcom Development SB

[1996] 4 CLJ 291 (Federal Court)
(Striking out for want of prosecution due to inactivity on the part of the Plaintiff)

Low Lee Lian v Ban Hin Lee Bank Bhd

[1997] 1 MLJ 77 (Federal Court)
(Principles in applying for an Order for Sale by enforcing the rights of a chargee under the National Land Code).

Siong Holdings SB v Development & Commercial Bank Bhd

[1997] 1 MLJ 340 (Court of Appeal)
(Conclusive evidence clause as the finality of the amounts owing in applications for Order for sale under the National Land Code)

President Shoes SB v Macci Fashion Centre SB

[1998] 1 CLJ 169 (High Court)
(Applying for an order for sale in a co-ownership situation)

Ng Soo Lay v Development & Commercial Bank Bhd

[1998] 3 MLJ 201 (Court of Appeal)
(Principles in setting aside judgment in default)

Accounting Publications Sdn Bhd v Ho Soo Furniture Sdn Bhd

[1998] 4 MLJ 497 (Court of Appeal)
(Stay of proceedings to refer dispute/difference to arbitration)

Fasda Heights SB v Soon Ee Sing Construction SB & RHB Bank Bhd

[1999] 4 MLJ 199 (High Court)
(Construction of Bank Guarantee. Whether conditional or on-demand)

Bank of Commerce Berhad v Sam Lim Fong & Ors

[1999] 6 CLJ 91 (High Court)
(Construction of Guarantee. Separate letters of guarantee. Whether joint and several)

Societe Jas Hennessy & Co v Nguang Chan (M) Sdn Bhd
[2005] (Supp. Series) 5 CLJ 515 (High Court)
(Contempt of Court. Order for committal)

Mawar Awal (M) SB v Kepong Management SB & Anor

[2005] 6 MLJ 132 (High Court)
(Specific performance. Contract)

He has also contributed his writings to law journals and is a registered trademarks agent providing the services of application for registration of trademarks, both locally and abroad.

He is presently a director of Seni Jaya Corporation Berhad, a listed entity on Bursa Malaysia.

He is also a Legal Advisor to various organizations and associations.

He is also a Registered Trade Marks Agent duly authorised to submit applications for registration of trademarks with the Intellectual Property Corporation of Malaysia.

He has also been appointed as a Notary Public by the Attorney General of Malaysia and is duly authorised to carry out notarial functions.

Jaqdip Singh Mallan is 33 years of age. He is an Honours graduate from University of London with a Bachelor of Laws degree in 2000 and thereafter he successfully completed the Certificate of Legal Practice in 2001.

He commenced his pupillage with the Firm and was admitted to the Malaysian Bar in October 2002.

He worked as a legal assistant with the Firm until end of August 2006 and was predominantly involved in a broad spectrum of areas which include corporate and retail banking, credit and finance, general litigation, trademarks and conveyancing practice.

In September 2006 he joined M/s The Lai & Lai, a corporate outfit, as a legal assistant and remained there at until early July 2008 heading their Litigation Department.

In mid July 2008 he rejoined the Firm and was admitted as a partner of the Firm entrusted to oversee the administrative matters of the Firm.

He also assists the Litigation Partner. He is currently handling civil, commercial and corporate litigation matters at the Subordinate Courts, the High Court and the Appellate Courts.


Khaulah Binti Abdul Wahid is 28 years of age and is a graduate of the University Islam Antarabangsa with a Bachelor of Laws (Hons) degree in 2006.

She was called to the Malaysian Bar on 18th May 2007. She is attending to conveyancing matters, which are inclusive of project sales of housing and commercial developments and sub-sales.

She is also attending to end-financing for property buyers as well as corporate loans, islamic and trade financing, including loans offered by the Government.

Professional Indemnity Insurance

The firm is insured up to RM 3,500,000.00 for each and every claim and in the aggregate of RM 7,000,000.00.

Corporate Clientele

Financial Institutions (Full Panel)

a)   AmBank Berhad & Group
b)   Royal Bank of Scotland (ABN-Amro Bank Berhad)
c)   CIMB Bank Berhad
d)   Public Bank Berhad & Group.
e)   The Bank of East Asia, Limited (Labuan Branch)
f)    Standard Chartered Bank Berhad
g)   Alliance Bank Malaysia Berhad

Financial Institutions (Ad Hoc - Requests of client/developers)

a)  Hong Leong Bank
b)  United Overseas Bank
c)  RHB Bank
d)  BSN Bank
e)  Maybank
f)   OCBC Bank

Corporations - Listed on Bursa Malaysia

a)  Mutiara Goodyear Berhad
b)  Ekovest Berhad
c)  Gamuda Berhad
d)  Ho Wah Genting Berhad
e)  Ho Hup Construction Co Berhad
f)   Magna Prima Berhad
g)  Senijaya Corporation Berhad
h)  Ipmuda Berhad
Kai Peng Berhad
PJD Berhad


Developers' Projects which involved the Firm

a)  Muafakat Kekal Sdn Bhd (Section 13, Kota Damansara, Selangor)

Palmspring @ Damansara involving more than 2000 units of condominium apartments in the price range of RM 125,000.00
to RM 250,000.00.

Dataran Otomobil Shah Alam (Section 15 Shah Alam) involving 870 units of apartments (from RM 94,999.00), 528 units of offices (from RM 128,000.00) and 200 units of shops (from RM 390,000.00).

b)  PCM Bina Sdn Bhd (Kota Damansara & Shah Alam, Selangor)

Seri Utama Business Centre at Section 5, Kota Damansara involving 99 units of shop/office lots ranging RM 130,888.00 to RM 538,888.00.

Seksyen 7 (Shah Alam) involving more than 1300 units of medium cost apartments in the price range of RM 79,000.00 to RM 104,000.00 and 189 shop lots in the price range of RM 325,000.00 upwards.

c)  SE Bina Sdn Bhd (Selayang, Selangor)

Selayang Business Centre at Batu 9, Jalan Ipoh, Selayang, Selangor involving more than 64 units of shop lots in the price range of RM 410,000.00 to RM 750,000.00 and 448 units of apartments in the price range of RM 83,000.00 to RM 190,000.00.

d)  HR Utama Sdn Bhd (Bandar Kinrara/Bukit Jalil, Selangor)

Kinraramas @ Bukit Jalil at Jalan Puchong, Selangor involving 56 units of 3 storey garden terrace link houses in the price range of RM 438,900.00 to RM 662,900.00 and 569 units of apartments in the price range of RM 163,900.00 to RM 443,300.00.

e)  Magna Park Sdn Bhd (Selayang, Selangor)

Magna Ville Condominium at Selayang, Selangor involving 3 blocks of apartments with condo facilities of 358 units for each block in the price range of RM 139,000.00 to RM 234,000.00.

Casa Prima Condominiums and Plaza Prima Apartments at Kepong, Wilayah Persekutuan.

f)  Embassy Court Sdn Bhd (KLCC, Kuala Lumpur)

The Avare at KLCC involving 78 units of high-end lifestyle condominium with super luxurious facilities in the price range of RM 3 million to RM 10 million.

g)  Rimau Properties Sdn Bhd (Shah Alam, Selangor)

Shah Alam Auto Centre at Section 25 Shah Alam, Selangor involving 33 units of one and a half storey industrial shops in the price range of RM 580,000.00 to RM 2 million.