Hi guys, I have one more questions. After reading more in this thread, I noticed a lot mentioned they checked their statements even after AKPK. For me, my credit card was cancelled and I can no longer see the statement. It's like I no longer have a credit card statement.

Does it mean if I ask from the bank, they are still able to provide? I only owe one bank, HSBC

This guide would have the contact.  As usual, you can call akpk service line to ask.

https://www.akpk.org.my/sites/default/files/SHG_English.pdf

Ok.. my one not yet.

What I did right now are:
1. Get the ccris report from BNM.  you can apply for eccris too when there.  From the ccris report, left only HSBC, while SC and RHB not there already.
2. I checked with BNM officer, he mentioned that he would need the AKPK release letter first before can take action (eg, akpk letter out, but bank still insist got balance, then lodge a complain to BNM).
3. I have not gotten my akpk release letter, so I called up akpk service to ask and they mentioned I would need to check with the bank(s). They said that possible could have balance left (i wonder). So I have to call the akpk coordinator from the bank and ask again the balance if have.

As of now, managed to call RHB, they will need to manually calculate and call me back.
Will have to also call the SC and HSBC again.

4. based on akpk, I would need to clear the balance (if have), get the settlement letter from the bank and upload via the akpk portal, then after only will have the release letter

These are what I have for now... really wasting the time but have no choice to do it...

you have served or finished the akpk already?

what mistake they did?

How's your case? still pending?

I have connected to RHB, it is done, now waiting for settlement letter.
I am connecting to StanChart again as the PIC not avail today. Hope this is done when i call tomorrow morning.

For HSBC, I have requested for restructured statement today.  Seems that the figures they come up with is like plug from the sky.. heheh.  I told them I will pay after getting that statement.  They all "luan luan lai" and only asking for $.

Firstly, the hsbc statement should not be used as if under akpk, you need a restructured statement, which you can request from hsbc akpk coordinator.

2ndly, it does not show the payment due to possible the account number has been changed. Please check if the hsbc provided the right account number and it is the same with what shown in akpk portal. if not, hsbc can inform the change of account number/details.  Try call akpk service line to ask what should be done in this case.

I found the same with my hsbc where akpk portal does not have the latest account number.
Some banks did the right thing by informing akpk on the change (CITI, MBB).  So akpk would have like old account number/new number/new number again (eg. 13213213131/315980794021/32143819508) and akpk would bank in directly.  I do think that the bank should update akpk directly on the change.

ok. thanks.. now waiting for the statement and see what next then. :>

Hope your side comes out good ! Finghting!

no choice bro.. we created our own shit.. so have to clean it.  It will be a reminder for self (think 100 times) before signing the dotted lines again for loans, CC etc.  For me, no cc, no PF..

housing loan - if really needed, will have to just go for 5 year loan only.. but bank most likely will not approve.  So save up $ as much possible, plan ahead if you are young.  Dont be like me.. already passed mid 40 liao, bite bullet and strike thru.

Dear all,

just asking whether anyone facing like, now on my house still on progressing loan disbursement,

can i AKPK my unsecured loan, CC and PL?

So letsay i AKPK my CC and PL, does it will disturb the housing loan disbursement?

my housing under Maybank

it is ok? anyone has experienced this?

Ya..i think the big mistake was >10 years ago when we started getting CCs and loans.

Did anyone here perform early settlement of accounts under akpk directly with the banks?

Is it possible to request for early settlement discount from banks?

I did contact Maybank but they ask to me send an email request but there has been no response.

Can PM me how much was the discount ?

Ya..some banks are good.. so far I would say Maybank and CITI..the rest are mosqitoes.

Ambank,
i will die die ask AKPK Consultant to help to extend payment..
i suspect...Ambank added extra charges despite CCRIS showing latest outstanding statement at that time.

Other Banks have no issue with CCRIS.....
Only Ambank show extra 2k plus more..
Alliance Bank is Personal Financing Loan
Really low monthly payment and i still owe 5 figure sum even now.
Rm17k outstanding....monthly payment only rm150

Can finish paying in 10 year kah?


that why,,, i think at that time AKPK Consultant helping me...

Bank Call or Visitation definitely very stressful.
But once in AKPK program....AKPK is like magic word which make our debts like Sunshine again.
Yes...If our financial really messup....BIG Time.
AKPK is the ONLY solution to stop the ROT.

I was happily take any loan and new credit cards like no tomorrow.
Yes,...Rock and roll from cards to cards and to loan to loan.

Imagine...
Hong Leong keep calling and offer loan over the phone so easily.
Got multiple personal loan of Hong Leong .
Credit Cards.....RHB....Eon...Ambank....Maybank....CIMB....Standard Chartered...HSBC...MBF....Southern Bank

Imagine under AKPK paying RM2.1k at that time to pay off my debts.

Only Banks which i didn't apply is Public Bank,,,Affin and Kuwait.

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

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