Yes, you can go to AKPK, but once you dealt with AKPK, which the record will appear in your CCRIS, all banks will "NOT" approve any loans because you dealt with AKPK. Why do I know? I deal with a lot of banks and a lot of smart alecs went to AKPK and got their loans directly rejected.
They didnt stop using CTOS, because the government instructed them to stop using CTOS, doesnt mean they stop using. They will use it as a referral and will decline your loan based on other reasons but not on CTOS records.
Looks like its you who is lost for words. For calling people a lilttle kid, look at your own statements above. You wanna sue the banks for defamation for blacklisting a loan defaulter? Which "tempurung" are you from and what law do you apply? Law Of the Jungle?

CTOS is actually wildly inaccurate and frankly not something to be concerned of.

i find it funny everyone here arguing about CTOS like its the worse thing ever, CCRIS is the one you should be worried about.

Didn't your parents teach you to respect others regardless whosoever, even a stranger you bloody fool. Guess not and that's why you are a bloody "kurang ajar".

Piece of you....ha ha ha...wow now you talk like a "taikow"...your name AH HAI huh!!!  now you wanna boxing huh...since cannot challenge my comments and remarks, did i hurt your feeling ...anyway not my style dude, I am not a hooligan like you. If you actually know who I am and what I really do, I am sure you will start to freak out or probably won't had said what you had said.

Since you are so eager to defend yourself, let's start a post to justify your low racist character, I will published every racist remarks and statements you have mentioned in this forum and I shall call some UmmmKNOW..WHO boys to review your RACIST REMARKS.  Won't be in this forum, anyway.

Wanna try dude? See whether you berani....come on...just say YES. please say YES I will make you famous like ALVIN the none chipmunks.

By the way IDIOT, your statement was not a GENERAL statement but made directly towards me (the publisher of this post), for sure I am offended. What a shitheadidiot don't you know sopan santun. Do you think this statement you've made was not rude and defamatory????

Why? You think you can run away and live happily ever afterin another country without paying your debts? Geez, people think of all ways of not paying back what they owe others.

Hey idiot, you like to go around offending others right, now its your turn.... you think you can run away after insulting me??!!!

COME ON LAH TOMEI-R from KUALA LUMPUR...just say YES and we can start the ball rolling COME ON LAH.... Why your balls suddenly shrink huh?

UPDATE. its 9.06pm, come-on lah taikow, just post yes and I can make my move 
UPDATE. its 10.02, still chicken shit to answer 

Don talk like a kid hiding behind that small computer screen. Pm me your number and let me call u since I think your prepaid will be out of credit. We will see how man you are in real life.