just now called aeon, the lady terus update akpk and my name were removed, and said by this week will send me settlement letter.

my scb also gone from my akpk. waiting for letters too.
now waiting for my surat.

rhb also.

but then then these are physical letters. have to wait this week end and if tak sampai baru can ask for email copy.
demn so long, i coudnt wait

I have been reading a bit and wanting to apply for AKPK. Few questions to ask:

1) When I'm filling out at their website, will the action taken immediate i.e AKPK to take over account control with the bank and slash off my credit card?

2) If not, will there be an officer to contact me first to clarify and confirm on execution?

3) My loans profile are as follows:
Personal loan : 280k
Mortgage : 553k
Credit card : 12k

Will there restructure the whole type of loan or only personal loan and credit card?

Thank you guys for the guidance

I've enrolled in AKPK DMP.
I would like to ask if I just pay the monthly repayment to AKPK until my agreement 10 years time?
I noticed that bank statement will still charge Finance Charges etc.
Please advise does this experience to you all as well?

as of yesterday, my ccriss also cleaned. quit happy now.
gonna proceed with housing loan. but problem is mco. have to postpone. adui.

Hi, I ve been flowing this thread lately. I am currently under AKPK since June 2014. Almost 7 years without failing to pay monthly DMP due to my previous bad debt management. It taught me to be prudent to manage your spending, valuable lesson.
I am planning to quit AKPK but still have around Rm38k for HSBC and Standrad Chartered around that amount too. Has been paying like 2200 per month. My concern is I am willing to continue pay every RM2200 month until the loan finished even if I quit AKPK. I cant afford to pay like normal monthly payment pre- AKPK. Can I just go and talk with the bank if they could consider rescheduling the loan upon quitting AKPK? I'd rather do this than to wait until 3 yrs. Its really painful to survive solely relying on cash in hands. Anyone ever had this experience before if they have dealt with the bank on the restructuring the loan prior of deciding to quit AKPK?

How long does it take for graduans to have their CCRIS regularize?

I am very keen to see CCRIS statement from those who have just gotten out of akpk. If anyone can share with me and other friends here please?

mine nothing as no HP and no housing loan.

It is a tough 10 years plus the years before akpk. Before akpk, I sold my hse to reduce commitment, change to a smaller cheaper car too.

Has been renting house, moving house to house for at least 4 times.  Getting a old car for my wife for fetching daughter to-fro school while I am working.
Then moving to another state for lower commitment too and old car broke down which managed to get another car last 2019.
All on ewallet and debit (prepaid card)

So, slowly getting thru any changes and get foundation back as would try buy a hse now.

Tiring...but have to move on.

Hello, anyone face this issue before? I'm sure someone will face this similar case.

Been under AKPK for the past 8 years, next month is my step up amount for the remaining 2 years. Because previously I was on the same repayment amount for several years, hence the remaining 2 years the step up is more than double of the current repayment amount.

Due to economy downhill, company not doing well, part-time job also similar to non-existent, household cost increasing gradually overtime, my kid is OKU, I tried to apply tenure extension to maintain the current repayment amount. Income not increasing, everything is still the same.

Anyone do this successfully? Eg. extend tenure 10 years + maybe 2 years? Possible?

If AKPK reject, I can't afford to pay the next step up, what should I do? AKPK will kick me out of the DMP programme?

Pls enlighten fellow brothers and sisters....

HSBC, maybe you try call the officer you dealt with and tell them to update ccris.

I have trouble with HSBC previously too but on different case.

such a bank.  Anyway, today go closed saving with hsbc. Not using for like >1 year.

finally , today i am an officially a "bekas banduan AKPK" , 10 years without any eligibility to get all kind of  loans from  financial institutions are not bad though. Tough times not gonna last forever :-)

anyone can share the collection department contact number ? for bank :

HSBC
Citibank
CIMB
Hong Leong Bank
Standard Chartered - 0379467888

i already got isinar.

but i have family to feed, kids at college, mom depending on me.

haiz....i am feeling to kill myself...i am feeling so helpless...seem like no hope in front of me....bad thing keep coming to me non-stop.

if i die, at least my family can get my life insurance + my epf, it is better.

HLBB

Guys, Sorry want to ask. I had a long time overdue debt with a few banks, I f I start to pay again starting this month, how long will take to clear my name? Can I apply housing loan after 3 month if did not miss the payment?

folks, im currently in DMP program about 4 years...still 6 years to go....

Have some questions, if anyone can answer/advise, deeply appreciated.
1. If I've cleared all my debts with banks, and withdraw from the DMP, will there be any cooling period?
as last I've heard that AKPK officer told me that once all facilities has been cleared, require 6 months to cool off then can proceed for loans, apply cc, etc.


Ans : Subject to bank approval. propose not the take loan / CC with same bank.

2. While i'm currently in DMP program, my parents transfer house to my name, will it be any issue or need to take note?

Ans : as long as no deal with loan name transfer should be ok

3. While i'm currently in DMP program, can I apply for housing loan or car loan?

Ans : Nope you cant....

4. Any ways to check the latest outstanding amount and when is the last payment date? It's very time consuming to call banks individually, sometimes unreachable, etc...

guys, i have done partial settlement but not receive release letter yet. AKPK said if no release letter, I need submit pay the amount shown in system which include the settled banks. If I do pay that amount, will I get the extra payment back later? Who will pay me back? AKPK of bank? How will they be paying me? Direct to my account or by cheque?