i was once naive and believe our police force is remotely useful, there are times when i got scammed, assaulted, I would lodge a report, request for footages and hope the authorities take actions, but nah, they are bunch of crooks who peddle your data to syndicate just so you could be continually milked for more;

case in point, reported a case being harassed by loan shark due to a family member's alleged debts, the next day receiving a call from random number, claiming that the debt has been taken over by new "ah long agency" and offering discount to settle lump sum.

the unique name identifier, number, debt amounts, were only disclosed to the popo, and funnily it was repeated to me by another third party,
you tell me, how corrupted the system is? we literally have no one else we could trust.

TS, sorry for your loss, and dont even trust police/or any useless authorities could help you retrieve the funds, your money is as good as gone, keep your chin up and move on, the more you push, the more scams you will attract, cuz they know your weakness now, and your data/credentials is going to be sold and resold, another scam will come and haunt you soon

Don't believe any call and if need further action make sure meet face2face.

I'm not sure what will happen to existing card/ ongoing payment but essentially all credit facilities are off limits.
That means during your repayment term, you will not be able to apply for new loan (housing/ personal, new CC etc...)
As it reflects on you CCRIS, it will to an extend impact your credit score (records are updated every month, kept 12 months - not permanent)

Having said that, AKPK is a one off. You can only enrol in their debt management programme once in your lifetime.
Most ppl use it when no choice like going to bankrupt. I'm not sure if there is a minimum amount to qualify but I'm aware of a case involving 40K.

There is no limit for consultation, I would highly recommend you talk to them.
Note down all the questions -before- you approach them so you won't forget.

This post has been edited by fusionlance: Aug 31 2025, 06:07 PM

Been running on autopilot the last few days, first payment for the stupid personal loan is due tomorrow. Seriously contemplating asking my parents but idk I'm just numb about anything and everything right now.

Thanks, still gonna consider that.

Correct,
Without protection from the government including politicians and law enforcement,
scammer groups are powerless.
Legal authorities have the full access to telecom networks, directly or indirectly,
so there's no reason scammers should be able to avoid capture and punishment

there are many bank offering 0% balance transfer & cash out from credit card currently
you may utilize it to pay the bank in installments without interest charged

This post has been edited by theozis: Sep 2 2025, 09:13 PM

using bank to pay bank is some big brain move, i gotta give it that. Unfortunately I don't have more cc

using bank to pay bank is some big brain move, i gotta give it that. Unfortunately I don't have more cc

this is just never going to end, to be honest. lots of syndicates buy prepaid numbers under foreigner passports, then sell to locals and whoever that wants a burner number. some even buy with fake IC (used to be much worse before)

inspector said very surely that they can only issue arrest warrant. anything else related to money is up to the bank. I want some goodwill money from them but I doubt I will get anything from it.
with cc payment due 7th and 11th respectively, racking up my brain on how should i solve it. ask from parents and repay with whatever maybank give, plus work twice as hard to settle the outstanding personal loan in one go or how?

Stay strong,it is just a lesson,money is not very important actually.

My quandary isn't the money, or working towards money. It's the shame of having to share this with family. We were already financially tight, and then to fall for this it's really just disappointing. I can feel myself drowning in anything and everything to not think about it

Ya bro ..I understand,many people will do wrong decision,this is just a small matter,some people can down straight away can when up..be fortunate not very big amounts of money

All of these via calls, video calls and messaging? I've have to deal with police few times and almost all times face to face deal in the police station, or when it's super urgent the police even drove though thunderstorms at night for an hour to interview one of the suspects for investigation. The times they called are when notifying for us on the status and we have to go to balai for briefing etc.

Don't trust without face to face in balai polis

This post has been edited by terradrive: Sep 3 2025, 02:40 PM

lost still lost... got ppl lost up to 100k in stock market & forex.

I'm far from rich enough to main forex and stock rn haha, but yes it can always be worse. Thanks.

most ppl lost in the market also... it's about 90% for both market...

Stock Market: Studies suggest 70−90% of retail traders lose money over time, depending on the region and market conditions.
Factors include emotional trading, lack of diversification, and poor timing.

Forex: Loss rates are often higher, with estimates around 80−95% for retail traders.
The 24/5 market, high leverage (up 1:500 in some jurisdictions), and rapid price swings amplify risks.

This post has been edited by vaksin: Sep 4 2025, 08:15 AM

losing in market when you can afford to is one thing. losing when you can't is what is bugging me. It's not like I go genting gamble, I go buy numbers (though my hubby has asked me if I want to try), or anything risky like that. Fuck.

Just don't answer from unknown number lor. Except the one time KKM staff called me from their handphone number for booster jab for my kid.