Approved but not accepted T
Approved and Accepted A
Pending P

Tell that to bank Negara that it's not illegal. To start with, this fella is a crook. Going everywhere telling people he is 'helping' you. More like helping himself with all the sales commission/ finder's fees and 'course' fees. By the way, he is a good salesman. Talk a lot, help very little. End of the day, all his followers will get burnt.

Those who bought under loan compression and backfire miserably wouldn't get my sympathy.

You play fire in kitchen you need to tahan the heat.