Normal lah don't be too hard on yourself. You are very brave to share your experience. Unker myself also kena scam by snake oils salesppl play on unkers emotion many times in the past.

Even ppl who read these cases say they will never fall haven't been tested. In the heat of moment we no longer act rationally.

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.

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

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

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

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

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

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

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.

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