Sounds that AKPK is a wrong setup with good initiative.

AKPK seems that indirectly encourage people wild spending by projecting a hope that AKPK will help them to resolve their unbearable debts later.

"spend lah... worst to worst.... go for AKPK"

AKPK should impose a rule as a condition of using their service, by increasing the person's EPF contribution to 15% or more, after freeing their debts.

AKPK should not only solve people's debt problem, indeed, help them to save money. Because, all these people come for help, are poor in money management.

This post has been edited by kpfun: Feb 11 2017, 03:04 PM

...never thought someone can have so much debts...my rule of thumb for small purchases is.. if u cant buy the thing cash u cant afford it..

think it takes a lot of courage to go to APDK
all the best to u...dont give up
try not to repeat the same mistake again...u have children and wife to support...having a normal lifestyle is acceptable ..dont spoil your children

actually what are the consequences for going to akpk? i always got call from them though.

wah lao. when i used my cc half of my limit oso sked dy, this kind of debt is out of galaxy for me yaw..

good luck TS. got so many recommendations here, 99% highlighted on your life style.. just change it.

and, what is so powerful with that Coway man.. just cut it off la.

Park

wow, the debt amount is scary, a lesson for rest of us

so what's the outcome? TS any update?

Somehow I have a feeling his debt has increased since his last post because his mindset didn't really change.

What I'm curious to know is how they can offer so much personal loan? Is that normal?

It looks like your lifestyle is the enemy right now. You and ur wife is doing the same. Spending money for nothing. People with low income still can live with normal food, clothes, education.

you both change ur attitude first, then only thinking about restructuring loans....if not, later on it will keep on piling up.....

Ts never kembali to this thread?
Problem settled or...?

pff...i'm still survive.but trying to find ways for additional income as my current salary already fully utilize for loan payment+bank commitment.

This is a perfect example of "Gaya mesti ada, duit tak ada tak apa".

give an update of your current restructured loan schemes vs expenses.

how you survive and how do you earn more side income.

nevermind, TS still have monthly salary 8k, 10pot with 9 tutup still can drag until the loan finish, but the ah long their must clear first la, so scary

8k is not so much only actually.... but really wonder how does he rack up so much of loans. scary sia....

Your story still surprise me since beginning till now. I'm a father of two and am gonna be 30 y.o next year.

I have no relative to help too. My marriage expenses covered by a personal loan that ended this month after 5 years (30k).

But my gosh, you had a lot of spending at your back bro. Our expenses (house car bills etc) almost the same if not higher but I still can't fathom the fact that you this much of loans to cover it.

I heard from you that you lost your job in between and your wife had her own commitment too. I sincerely hoped that once you finished all the repayment, you did not restart the cycle again. Reason being, you have no saving I assume for now and by the time you done with repayment, it might be too late.

Finding an additional income isn't too hard nowadays. For example, you can select to become an agent for insurance (since you are in banking) or direct selling (coway cuckoo tupperware etc) so that all can help you with generating the money.

or even become a uber or grab partner.