Oh ya, regarding the question you ask about the blacklist & housing loan, once you enrolled to AKPK, in your CCRIS report it will have record showing the debt is under AKPK program, all your credit card will be terminated by bank and you also no longer can apply for any loan from bank.

However once you settle the debt and obtain the release letter from bank, CCRIS record will be gone within a month (CCRIS record update once a month). Yo ucan only start to apply for loan / credit card once you totally clear from AKPK program.

For my case, i have done my full settlement around Jun'19, then i started to apply housing loan during Aug/Sep'19, and bank is approving my application and issue credit card for me as well.

Congrats bro on your release from AKPK program.
Don't play play with credit card ya.

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

bro can u share yr excel file to me also?? tks

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

already PM you bro but didnt get your excel file

Ooops...
Wait a while ya..

 

sended liao
hahaha

my debt around 50k now, unable to pay off..
too sad on this.

Sad no use. Seek some advice/help from akpk's debt managemt programme.
50k is not that much yet, better fix the hole now before your ship sink deeper.

one things i worry about is after apply akpk, i cant use credit card anymore.
i had no emergency fund at all.
im too sad.

gone case.

one things i worry about is after apply akpk, i cant use credit card anymore.
i had no emergency fund at all.
im too sad.

gone case.

hi, want to check, if I am in AKPK program and pay monthly on time, but when I login to eCCRIS, 2 of my accounts shown as Special Attention Account and doesn't show what is latest outstanding balance (Alliance bank - personal loan/ RHB - Credit card), what can I do?

Lol, if u continue like this then really gone case

U shouldn't be using cc as ur emergency fund man.
Start budgeting, save up, man up and face the fact

Maybe can list out ur commitment and income so others can help u here

i really fed up with loand and debt.

due to house renovation, married

i really fed up with loand and debt.

due to house renovation, married

just 50k ad say like wan to give up. me 100k over and monthly pay RM3200
also need bite the bullet and life still going on from 2008 until now 2019 still didn't see i die...
soon i am out akpk next year min