Just want ask you 1 question, you own how much sin?
If you own below 10k then not need go to AKPK if not later u need to pay 20k..

I totally agree with ptit.. AKPK is some sort like a second chance for you to start over,manage your debt better, have a peace of mind coz no more getting calls from banks..

If you have 30k loan and you enroll in AKPK for 30 years and pay 150/month, it does not mean that you have to service it for 30 years.. You can settle everything maybe less than 10 years. Service akpk's monthly payment, at the same time if got extra money, pay extra to the bank. Just like what ptit did. If you do this constantly every month, sure can settle everything within 10 years maybe less. If you dont have extra money then its ok.. just pay akpk monthly payment. Settle. Dont have to juggle here and there. No headache.

jb akpk is very efficient. Less than a month after joining class already got the approval letter. Few years headache gone in just few weeks. Never thought government dept could be that good. Thanks akpk jb..

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Added on July 26, 2012, 11:33 pmjb akpk is very efficient. Less than a month after joining class already got the approval letter. Few years headache gone in just few weeks. Never thought government dept could be that good. Thanks akpk jb..

for this you need to take initiative to contact the credit card issuer and let them know of the charges. inform them that you're under AKPK program and then they will waive it in your next statement. you have to do this every month!!! kinda screwed up system they have huh? 

I have few debts accumulated to the amount around 40k I think. I fail to pay the debts after I failed in my business few years back, I stop all my payment as well. Any luck?

Bank A : 10k
Bank B : 15k
Bank C : 10K

Now my income is around 1k - 1.5k, can I go AKPK with these debts and income? What should I bring along? Which number should I call? Or should I just go direct the AKPK HQ?

Any advice?

Hi all master,

I have few question need to ask, i made the first payment for the DMP on 2.11.12 after done the Online DMP application.
Today just received the letter from AKPK. After go through the letter, few question need all master advise:

1. APKP inform me to make a monthly payment on every 30th of month & first payment need to be make before 30 Nov.
So what happen to my 1st payment on 2.11.12 ? Anyone facing this problem before?
2. the letter doesn't stage the repayment tenure & interest rate then how ?
Thanks

I think you cannot miss any payment...

Better pay as in the agreement if not they will terminate u

HLB 03-7652 1888
SBC 1300 13 1322

attached the pdf file for you...

whole m'sia 

you can check at AKPK portal if your over paid you can see there have
extra money at excess payment. you can view it  at statement of account report.

can see la... use google chrome then choose desktop view.

i always use my phone to view...

HSBC - 0320757859
OCBC - i only have email YanYeeChai@ocbc.com