6 years back i do got debt with 6 banks( mostly credit card) and seek assistance from akpk before it turns worst and finally settle all within 2 years.
recently i need some cash and going for personal loan but got rejected by maybank, al rahji ,scb,alliance and cimb. Alrahji and scb rejected due to i dont have any credit card nor any loan for the moment and the application is not even been consider by bank.

I went to bank negara to check ccris and the record is clean.

my monthly salary is 7500 and with all document: epf/income tax/bank statement/salary slip.

may be because of the akpk case? but i have settle all before getting worst. i think shall be the ambank case, i still remember that when i already start the akpk scheme for several months, their legal department still issue me court summon. After i have clarify with them, they just ask me to ignore it since i already have restructure it. But will the summon record still appear in ctos and that the reason why i still in many bank's black list.

just hard to believe with RM7500 monthly salary( without any loan/credit card for the moment) and still hard to get a single personal loan.

the only issue that i can think of shall be the ambank case and shall be state in ctos. Even i have settle it years ago but it's seem will in ctos record forever??

just went to ctos, got 2 bad record:

1) BSN: settle the outstanding years ago but didn't update, the staff said BSN do not engage them for the service anymore so they couldn't update any latest info. So need to show then the settlement letter.

2) P1 under section E: Several years ago when they started the service, i am using their service but cancel it due to no coverage. The staff agreed on it and just retutrn back the terminal. But now they are putting my name under section E without any figure shown.