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 AKPK, debt issue, anyone got a question to ask them?

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yukwei
post Nov 24 2017, 08:30 AM

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QUOTE(shirogawawa @ Nov 22 2017, 02:15 PM)
your payment under AkPk late ?
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I had pay AKPK everymonth.

I think this is because of the credit card statement date, but i hav check with AKPK , they mentioned it wont be charge again if under AKPK, ask me call to bank.

Anyone face this issue?
amen
post Nov 28 2017, 12:45 PM

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Can someone who is under AKPK applies for Corporate Credit Card?
Kiefer
post Nov 28 2017, 03:45 PM

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QUOTE(amen @ Nov 28 2017, 12:45 PM)
Can someone who is under AKPK applies for Corporate Credit Card?
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Yes. Corporate CC is requested by the company that you work for. Not yourself to apply

This post has been edited by Kiefer: Nov 28 2017, 03:45 PM
inv.sean17
post Dec 8 2017, 02:02 PM

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Is there anyone can help to clear Special Attention Account? Pm for help smile.gif
azam_halim
post Dec 12 2017, 11:40 PM

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If i want to check my debt balance, should i check with akpk or with bank?... coz looking at bank statement, looks like they are charging interest as normal... Am planning to do settlement for some of the banks...do banks give some sort of rebate for early settlement?
watabakiu
post Dec 25 2017, 04:07 PM

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Can AKPK handle collaterized debt?
watabakiu
post Dec 29 2017, 11:38 PM

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If one is under AKPK, there is no way to apply loan for car purchase?
Poohchai
post Jan 2 2018, 08:08 PM

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Hi, if I’m under the AKPK program. Can I sign a housing S&P but without applying any housing loan from bank?
watabakiu
post Jan 2 2018, 08:42 PM

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QUOTE(azam_halim @ Dec 12 2017, 11:40 PM)
If i want to check my debt balance, should i check with akpk or with bank?... coz looking at bank statement, looks like they are charging interest as normal... Am planning to do settlement for some of the banks...do banks give some sort of rebate for early settlement?
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I'm curious about this too. Anyone can elaborate on this?
Kiefer
post Jan 3 2018, 08:54 AM

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Commenting from what I know......

QUOTE(azam_halim @ Dec 12 2017, 11:40 PM)
If i want to check my debt balance, should i check with akpk or with bank?... coz looking at bank statement, looks like they are charging interest as normal... Am planning to do settlement for some of the banks...do banks give some sort of rebate for early settlement?
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You can firstly check from ccris/BNM, this gives you overall. On balance, the statement will show as normal, as it is standard calculation for all statement to be printed. For actual balance / settlement, you can go to the bank / HQ and look for settlement department on loan/cc, they will need to recalculate all and give you a price. You can try to nego with them direct. Once you have the settlement, you should get a letter from bank that you are released.

Provide this letter back to AKPK via online.

QUOTE(watabakiu @ Dec 29 2017, 11:38 PM)
If one is under AKPK, there is no way to apply loan for car purchase?
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Nope... that is the down side as no loan will be approved.


QUOTE(Poohchai @ Jan 2 2018, 08:08 PM)
Hi, if I’m under the AKPK program. Can I sign a housing S&P but without applying any housing loan from bank?
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You can.


QUOTE(watabakiu @ Jan 2 2018, 08:42 PM)
I'm curious about this too. Anyone can elaborate on this?
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yes... you can buy anything (like cars, house, etc) by cxsh.
watabakiu
post Jan 3 2018, 06:09 PM

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Thanks @Kiefer.

So future loan with the same bank cannot be approved, even though the current car loan with the same bank is paid regularly, with no late payments?
azam_halim
post Jan 5 2018, 12:01 PM

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QUOTE(Kiefer @ Jan 3 2018, 08:54 AM)
Commenting from what I know......
You can firstly check from ccris/BNM, this gives you overall.  On balance, the statement will show as normal, as it is standard calculation for all statement to be printed.  For actual balance / settlement, you can go to the bank / HQ and look for settlement department on loan/cc, they will need to recalculate all and give you a price.  You can try to nego with them direct.  Once you have the settlement, you should get a letter from bank that you are released.
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ive emailed akpk and get reply with list of contact no of akpk coordinator for all banks... Called those no to ask my current balance, and i was given the amount as in my monthly statement...so, i have to go to all banks hq to nego more for full settlement?
Kiefer
post Jan 5 2018, 01:20 PM

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QUOTE(azam_halim @ Jan 5 2018, 12:01 PM)
ive emailed akpk and get reply with list of contact no of akpk coordinator for all banks... Called those no to ask my current balance, and i was given the amount as in my monthly statement...so, i have to go to all banks hq to nego more for full settlement?
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Since you have contacts, you can deal with them directly. Should be the same as I do to the bank before, and they refer me to the person handling akpk ones.

This post has been edited by Kiefer: Jan 5 2018, 01:21 PM
Ron2828
post Jan 5 2018, 05:08 PM

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QUOTE(azam_halim @ Jan 5 2018, 12:01 PM)
ive emailed akpk and get reply with list of contact no of akpk coordinator for all banks... Called those no to ask my current balance, and i was given the amount as in my monthly statement...so, i have to go to all banks hq to nego more for full settlement?
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After you nego pls share your experience here pls.I am facing the problem like you,interest charged by bank is like normal charges,not the 7% promised by AKPK

I am planning to do early settlement for each bank that I owe,one by one.
amen
post Jan 10 2018, 03:40 PM

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Anyone has the success experience of getting a credit card / supplementary credit card while still under AKPK? As part of my job I need to travel overseas so a credit card is handy for business expenses, e.g. food & hotel which are claimable items.
otai_g
post Jan 10 2018, 03:47 PM

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akpk is enemy of bank.

because bank make money from our debt by charge higher interest every month.

in other words bank is bustard which we need to kill 1st.

akpk just act like big brother where ask bank not to collect so much money and interest from us.
amen
post Jan 10 2018, 04:05 PM

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QUOTE(Kiefer @ Nov 28 2017, 03:45 PM)
Yes.  Corporate CC is requested by the company that you work for. Not yourself to apply
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I read this clause in the T&C:
The Bank process all completed applications within fifteen (15) working days
(provided the applicant does not have any blacklisted record)

So the bank will still check my credit score?

amen
post Jan 10 2018, 04:24 PM

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My financial situation is getting better now and I am thinking to get 0% BT to clear off AKPK, possible? Just thinking out loud.
Kiefer
post Jan 10 2018, 05:36 PM

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QUOTE(amen @ Jan 10 2018, 04:05 PM)
I read this clause in the T&C:
The Bank process all completed applications within fifteen (15) working days
(provided the applicant does not have any blacklisted record)

So the bank will still check my credit score?
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I am in AKPK and I have Citibank Corporate Card which is usage purely for business purposes.
amen
post Jan 10 2018, 06:04 PM

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QUOTE(Kiefer @ Jan 10 2018, 05:36 PM)
I am in AKPK and I have Citibank Corporate Card which is usage purely for business purposes.
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Oh really? You applied the card after you have engaged AKPK?
But the card is not limited to business usage right?

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