1) AKPK will arrange/strike a deal with these FIs to settle your balances over a longer period.
2) Accessing in the sense, I can see how much you owe, how much you make, and advise you on expenses. I will not control your expenses, that's up to you, if you wanna settle the issue quicker, then you gotta hold back all unnecessary purchases yourself.
3) Way out, to follow some methods I learned through those days and get out of these bad debts. I, thankfully, did not get into any bad debts i.e. unpaid/overdue debt, but I had debts/outstanding balances on CC that were never cleared, some other financing that were overdue. Actually bank's fault because I can hardly keep track if I'd paid or not, I couldn't even view my financing account on my online banking account, so my CCRIS was always showing overdue by a month for a year at the time I found out. Turns out I'd missed one payment but they have never informed me appropriately. I'd paid on time every month but I would still receive reminder letters. My fault on this part for not checking in - but again, Public Bank has always been tough to get through even for small petty matters that can be solved over the phone.

Not to me. Settled akpk last year then apply for house loan. Bank approve with no issue.

Lol. Hate. LOL

It's business. There's no hate or like. Why can't you kids understand something so simple? AKPK is good because many of those into financial trouble are illiterate. A proper agency to guide them out of the hole is the best choice. Listening to sei sohai talking about hate from banks is not how you regain your financial freedom LOL

thanks for letting everyone know.

guess ill max out my CCs now

i join akpk no problem also, they buy me setarbuk some more.... got happy ending also, feel good man.

deswai banks hate akpk

don't approach AKPK unless your debt is really unbearable
unbearable until u can't even pay the minimum

u can only use them once in your lifetime but at least u won't be named as bankrupt

ohh I see
agree on that last statement, Public bank is really PITA with their outdated system and method of work

I mean, if you're comfortable and willing to share the monthly statement and all, I can always help... Otherwise, you go AKPK also they will want to know what you have as well. Heck even ah long also do this haha.

That fren got women or not

Is she pretty?

is ur 1 chance of lifetime card to use

Please dont give that kind of answer if you are not sure about it

https://forum.lowyat.net/topic/876712/+3140

Don’t bullshit here thanks. After 12 months of being clear banks won’t even know you previously had AKPK loans. They can only see what’s on your CCRIS. No such thing as permanent black mark, it’s against BNM regulations.

Loan 1 billion

Then only go akpk

AKPK is like you confessing to a crime. Confession normally gets u lower punishment but u are still punished.

Like many ppl say here, once u confess, all banks will 'soft blacklist' you.