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

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MARVIN333
post Sep 4 2018, 10:20 PM

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Hi AKPK expert,


Just wondering if we are already on akpk program can I also pay direct to bank every month on top of akpk payment in order to reduce the outstanding? Anyone have done this before? Or can I pay more to AKPK whenever I have extra? Advices pls. Thanks in advance for all answers
Lemang510
post Sep 6 2018, 09:45 AM

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QUOTE(MARVIN333 @ Sep 4 2018, 10:20 PM)
Hi AKPK expert,
Just wondering if we are already on akpk program can I also pay direct to bank every month on top of akpk payment in order to reduce the outstanding? Anyone have done this before? Or can I pay more to AKPK whenever I have extra? Advices pls. Thanks in advance for all answers
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yes u can just make sure u keep track of your payment to bank to avoid extra payment if u made early settlement with bank
azam_halim
post Sep 9 2018, 10:35 PM

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QUOTE(MARVIN333 @ Sep 4 2018, 10:20 PM)
Hi AKPK expert,
Just wondering if we are already on akpk program can I also pay direct to bank every month on top of akpk payment in order to reduce the outstanding? Anyone have done this before? Or can I pay more to AKPK whenever I have extra? Advices pls. Thanks in advance for all answers
*
Yes u can...but akpk wont know about it, so make sure the first priority every month is the payment to akpk without fail...
MARVIN333
post Sep 19 2018, 11:53 AM

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QUOTE(azam_halim @ Sep 9 2018, 10:35 PM)
Yes u can...but akpk wont know about it, so make sure the first priority every month is the payment to akpk without fail...
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yes you are right! thanks man!

Kiefer
post Sep 19 2018, 01:51 PM

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QUOTE(MARVIN333 @ Sep 4 2018, 10:20 PM)
Hi AKPK expert,
Just wondering if we are already on akpk program can I also pay direct to bank every month on top of akpk payment in order to reduce the outstanding? Anyone have done this before? Or can I pay more to AKPK whenever I have extra? Advices pls. Thanks in advance for all answers
*
Hi... sorry for late reply...

the scheduled and agreed payment for akpk is fixed.. so make sure you pay every month on time as per the agreement.

You no need to pay extra to AKPK as they will park aside as over payment in the report. Not worth doing that.

If you want to pay the bank for the extra, i think can, just need to keep track and get a report. Once it is 'cleared' which would be earlier than scheduled by akpk, you get a clearance letter from the bank and submit to akpk via online to exclude that account.
Once AKPK confirmed, you can exclude that monthly payment amount to akpk.
conxtion
post Sep 28 2018, 11:18 PM

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What happens if you miss an AKPK payment?
MUM
post Sep 29 2018, 03:44 AM

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QUOTE(conxtion @ Sep 28 2018, 11:18 PM)
What happens if you miss an AKPK payment?
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What happens when those under the AKPK scheme don’t pay the agency on time?

Well, you’d better have a good reason – like you were sick or have been laid off.
Should you be late or lapse on a payment, agents will contact you to find out why.
Reminders will also be mailed out. If all these fail, you will be terminated from the programme.
No, there are no threats of harm or paint-splashing! But once you are taken off the programme, the banks you owe money to will be informed, and you’ll find yourself back on square one.
So, it makes sense to pay as scheduled.

https://www.thestar.com.my/data/archives/20...elp-is-at-hand/

vivaldi
post Oct 1 2018, 03:16 PM

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Anyone tried to do the partial settlement from the portal? I tried to upload the bank statement I settled with 1 account but seems like the PDF was not uploaded.

After 1 week, I got this letter said my request was rejected due to no upload.

The website interface is really bad.
skycrawler
post Oct 8 2018, 10:37 AM

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once u r in AKPK, u pay back half of ur credit card outstanding, can u still used the balance? (as long as it is underur limit)
Kiefer
post Oct 8 2018, 12:42 PM

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QUOTE(skycrawler @ Oct 8 2018, 10:37 AM)
once u r in AKPK, u pay back half of ur credit card outstanding, can u still used the balance?  (as long as it is underur limit)
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NOPE. All freezed.
zydoce
post Oct 9 2018, 03:18 AM

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Where can I check how much debt I have with each of the banks? Check with AKPK or with each of the banks?

I called AKPK before, they said need to ask bank. When I called bank, they said need to check with AKPK because I'm under AKPK... And then I'm confused
@lice~~
post Oct 9 2018, 03:35 PM

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QUOTE(zydoce @ Oct 9 2018, 03:18 AM)
Where can I check how much debt I have with each of the banks? Check with AKPK or with each of the banks?

I called AKPK before, they said need to ask bank. When I called bank, they said need to check with AKPK because I'm under AKPK... And then I'm confused
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Your bank statement?

Well, i confuse on this matter too as some bank do not issue the statement anymore.

yhcyber
post Oct 9 2018, 03:40 PM

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QUOTE(@lice~~ @ Oct 9 2018, 03:35 PM)
Your bank statement?

Well, i confuse on this matter too as some bank do not issue the statement anymore.
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Go and get your eCCRIS, it will state all outstanding including AKPK outstanding

The best place to go and get this report is Bank Negara.
vivaldi
post Oct 9 2018, 03:43 PM

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QUOTE(yhcyber @ Oct 9 2018, 03:40 PM)
Go and get your eCCRIS, it will state all outstanding including AKPK outstanding

The best place to go and get this report is Bank Negara.
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Can get from here also...

https://ctosid.ctos.com.my/ctosid_new/SimpleRegister?
yhcyber
post Oct 9 2018, 03:56 PM

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QUOTE(vivaldi @ Oct 9 2018, 03:43 PM)
CTOS need to pay, the basic report is really a basic rubbish that telling nth. CCRIS will list out every single debt including AKPK that you had done. Besides, you can register eCCRIS at the same time, so that you can always retrieve the report and know your debt status up to date.

I just went to Bank Negara 30min ago and done it rclxms.gif
@lice~~
post Oct 9 2018, 04:08 PM

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QUOTE(yhcyber @ Oct 9 2018, 03:56 PM)
CTOS need to pay, the basic report is really a basic rubbish that telling nth. CCRIS will list out every single debt including AKPK that you had done. Besides, you can register eCCRIS at the same time, so that you can always retrieve the report and know your debt status up to date.

I just went to Bank Negara 30min ago and done it  rclxms.gif
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AKPK can register also, will go AKPK instead since it's nearer.

Thanks for the info.


This post has been edited by @lice~~: Oct 9 2018, 04:19 PM
gheyfriend
post Oct 11 2018, 12:45 PM

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lets say my debt is actually 10k but due to convertion to monthly, it become 15k after 3 years settlement. so when enrol AKPK, which amount they will use ?
vivaldi
post Oct 11 2018, 02:06 PM

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QUOTE(gheyfriend @ Oct 11 2018, 12:45 PM)
lets say my debt is actually 10k but due to convertion to monthly, it become 15k after 3 years settlement. so when enrol AKPK, which amount they will use ?
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I think they will give u a percentage interest after review your total debts and income...like me as example...total 120k...I got a 1 time 9% interest charges for 70 months. cry.gif

For you my friend...10K...just take good care of your spending and get it done... thumbup.gif
Petre
post Oct 12 2018, 01:49 PM

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vectorian
post Oct 14 2018, 05:46 PM

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Hi there AKPK experts,

Was wondering how do you guys arrange for early settlements? Is it via AKPK or direct negotiations with the banks involved?

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