Anyone been there for help from AKPK?
Betul ke...they can help reduce your financial commitment or just counselling je
What else do they offer
Is it true, nama buruk once u join the program?

Bani dah nak muflis ker? kesian...

All of the above

Kesian

Yes you will be ‘tainted’. Considered as high risk for FI in the future. First to eliminate from the list when they tighten their risk appetites.

pm me bro if u need serious advice

they will say

"hutang jgn sini sana la cibai"

"mesti pandai jaga diri"

"jgn suka shopping sana sini"

my friend in liao
many debt
all compile to 1 damn low payment monthlly......
he hepi liao now

but once in a life time chance jer...no 2nd time

got

Dei PN tak bayor ke?

Yes. Banks will put a remark "Special attention" under your name on their systems and will not want to deal with you anymore.

This post has been edited by TOMEI-R: May 3 2021, 05:07 PM

TS, can check AKPK tread in /k

Been to AKPK HQ, it is truly a 1 Malaysia place, can see all races with common interest gathering there.

This post has been edited by thunderloh: May 3 2021, 05:16 PM

Don't engage AKPK if you can help it. I am personally helping some ppl with finances issue. But u must gimme access to your statements and monthly income, I will pay to your cc/loans and advise how to spend.. That is all. I take no payments.

Because I used to fall into such a bad position before and I found a way out. Not a secret but it is a must to clear here and there

Dedak not enough?

few Qs,
1) why not engage AKPK, is it true those statement above, ie. engaging AKPK will get you special remarks at financial institutions?
2) meaning give u access to all accounts and incomes (cash) so u could help paying the debt?
3) what do you mean by "way out"?

I got no financial problem btw (so far), just Qs on your statement

Answering to 1)

Because akpk makes banks hate you.

Eventhough settled for years and income >100k oso banks don't want anything to do with you.

If you can. Don't do it. Settle with the banks directly. Akpk will leave a Mark that's hard to get rid of

So join AKPK.. future loan application will be hard la

can i just ask for advise?
not the time yet to use the service,
just want advice....

Join akpk must be ready to let bank manager sleep with your wife and kids.

Najib should have gone to AKPK when 1MDB cannot pay loans lol.

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.