hi sifu / experts,

i received a call from aph (agensi perunding hutang) that represent ptptn to collect debt.

the officer told me to repay 50% of my study loan debt in a given period (14 days if not mistaken) else will go for further legal action.
i didn't know my study loan has kos pentadbiran rm120 every month and now goes up to double of my study loan amount.

i did repay once a year like rm500-1000.
anyone face this issue and how you all handle it? can i go for rayuan to have monthly repayment with small amount?
and to get the kos pentadbiran to be exempted?

thanks thanks....