Got such thing meh?
Then you better call AKPK and ask..
I also blur on this condition.

hi bro,
kindly check your PM.
i have attach excel file as per your request.

Actually i got the idea from HSBC bank statement, i more or less follow the formula as per their calculation.

oh ya....before i join AKPK program...
i have tried to settle fully some of my credit cards debts..
end up overpaid RM400plus for HSBC credit card.

chase them at the start (which is 9 year plus back) to offset it paying other AKPK HSBC debts....by phone call...follow up....many times.
But sadly no action taken and i left it be......UNTIL it was offset to clear one of HSBC AKPK personal loan debts recently last year.
and i notice it by chance thru HSBC bank statement which they email yearly without failed.

Yup...it take them 9 years to do automatically.



at the Excel file..
Just keyin your Outstanding debts when you 1st start AKPK.
keyin the monthly repayment.
The rest will change value accordingly and you will know how many years you need to clear.

i use that excel and file and it always more or less accurate.

Like last month, i projected my UOB debts to finally cleared.
check with akpk UOB on my excess payment less than rm50..

AKPK UOB confirmed all settled,...
ask me to come down to UOB branch...fill in form to claim refund, then only can issue refund directly to my bank account and will send release letter later on.

BUT i had to call twice asking them to update AKPK status instantly.

with that excel file,
i can know when to clear exactly
(1) 1 debts for CIMB
(2) 2 debts for HSBC
(3) 3 debts for UOB
(4) 3 debts for Hong Leong
(5) 1 debts for RHB

But my others debts need more that 10years
(1) Alliance Personal Loan
(2) AmBank Credit Card

This post has been edited by MakNok: Nov 15 2019, 11:02 AM

Congrats bro on your release from AKPK program.
Don't play play with credit card ya.

give me your email lo...then i send to you

Ooops...
Wait a while ya..

sended liao
hahaha

You not stupid but recklessly stupid..
You know you doing roll here and there every month.

Interest keep crepping up.
Sooner or later....your outstanding really OUTstanding until cannot roll anymore..

That time ..even AKPK cannot help you..
Then you cry mother..father....etc also useless...

You will have to apply for bankruptcy instead..

But but for me.....HSBC is ok wor except for one issue.
I got HSBC statement yearly and that is where i 1st create the excel file.

Only thing is when 9 year +++ back....
had to make multiple visit/call to HSBC to offset my overpaid Rm450 on the cancel credit card.
and yet never happen....until this year HSBC Yearly statement, it was deducted finally magically.

and the excel file accurately show that i will complete finish paying this year which was few month back.

"Chao Ka" in my list is
(1) Maybank CC.......finish paying but when i call for excess payment...cakap talak.....TIPU

(2) HongLeong
Personal Loan Dept....will proceed to pay excess payment....Very Honest
BUT
Credit Card Dept are bloody shark or lazy asshole.....
when tried to claim my excess payment about RM200+++ for Eon CC
Claim offset my other HongLeong CC......really asshole.

get the latest CCRIS and meet up with AKPK with documents
max is 8% interest yearly

There is no such thing as agents as AKPK never condone such thing

Wah...Maybank so good to you...
Actually Maybank was the 1st CC to finish repayment without me realising it until i notice that AKPK can be check online.
I only pay RM70 monthly for Maybank...

Ya...HongLeong CC dept asshole.....

i suspect all CC will not give discount as compare if you having Personal Loan
CC only charge 1.5% end of month of your outstanding debt whereas Personal Loan interest are charge in advance.

That is why i so lazy to ask for discount and let all my debts to ride out the schedule repayment 10 year program.
I use the excel software just to predict accurately which month will be my last repayment..

Next year March 2020 will be my 10 year in AKPK and my Alliance Personal Loan and AMbank CC cannot fully settle by that time.
it is because AmBank reporting last outstanding balance higher if compare to CCRIS report at that time.
and Alliance Bank ,,,monthly repayment is lower which cannot settle within 10 year.

Excel file show it is correct and i will need to visit AKPK soon to see if i can extend the AKPK by a year.
hahaha

kam cheng very strong wor.
Debtor never love calling me anymore.

i love when getting scam call saying i still hutang creditcard....usually i play a long and say really ar..
and later PAKU them kaw kaw
hahaha

or offering me loan someone and finally i say...why ar..never check my credit score..
i under AKPK...lo...terus senyap.

i would love it very much.
Cash is king now...

if can prolong...i will definitely prolong....
slowly pay them song song.

yalor....my VVIP number kena kaw kaw...
so many SMS for gambling...property and the best Ahem also.
now left that number at another phone and forward the call only

So bro...all your AKPK crispy clean and clear already?
No more exclusive AKPK membership liao kah?

Walau....HSBC really pirates..

Whattttt!!!!

Siao ar!!!!!
[SIZE=14][COLOR=blue]

my 10year is not due to stupidity but more to urgency matter
it is due to medical which happen to my mum got stroke after the angiogram.
Land also sell....Car also sell...
Had to go AKPK because to free up more cash.

Finally in Aug this year, my mum say goodbye after bedridden since 2000

for me ...definitely more than 300k..

Yup..my mum in another world now after 19years bedridden.
Yes...financial start to get better now.
Wow...you really rebuilt your life again from ashes.
Yes....mine AKPK is clearing soon by next year March unless I apply for extension if possible lah.

We both and whoever in the same boat as us is on the road to heavenly paradise..
Really a tough hard 10 year journey.

Good for you to think wisely.
Joining AKPK program is a privilege.
Because this is One and Only Chance to have a better financial for once in lifetime.

Just max out the 10 year lo...
At least....your dad won't have tendency to get more loan..cc for that 10 years...

nothing much you can do about the late charges but make sure you get yearly statement from CIMB.
Definitely for the 1st few month..up to a year....CIMB Shark will keep calling for late payment...

What you can do...tell them i am on AKPK program now and you tell whoever call you sternly that you will report the undesired calling if they call again.

anyway....the call will stop sooner or later
it just show that CIMB very very inefficient in updating their status for their non performing account..
You also know that CIMB online banking DO breakdown frequently...right?

maybe that is the reason as the system will restore back to previous date and LUCKILY your account always need immediate attention from them...


This post has been edited by MakNok: Jan 3 2020, 08:34 AM

I think it is possible...
I got this colleague who blow his CC limit and refuse to pay.

Ya...5K possible grow to 42k..
It happen because didn't pay the minimum monthly.

Just let it increase because possible can't pay at that time ..maybe no job....or out of country.

Cc is like Ah Long.....once you stop paying the outstanding debt for months..years.....
Outstanding debts will snowballed like popcorn.