Don't just keep saying no die bye sad all these. You are in this situation already, no turning back so why don't make the most out of it. There are alot of ways to do it.

First, buy food vouchers like Tesco, Aeon Big etc using your CC, then if you really wanna save up, try to accumulate whatever money you have by not paying your CC for this month or 2 (as emergency fund, don't bloody use it) at the same time start working with AKPK to consolidate your debts.

Good luck.

wish you all the best bro....

right now im using APONG way.

borrow here cover there.

am i stupid?

I believe you have the answer in your mind, time to think what kind of life you want in future and plan ahead...the issue wont be solve by "borrow here cover there" ... 50k isnt a huge amount, when i join AKPK my debts is more than 50k, and now i have already settle it after 6-7 years..

You not stupid but recklessly stupid..
You know you doing roll here and there every month.

Interest keep crepping up.
Sooner or later....your outstanding really OUTstanding until cannot roll anymore..

That time ..even AKPK cannot help you..
Then you cry mother..father....etc also useless...

You will have to apply for bankruptcy instead..

seem like you are my 10 years ago image... later will take cash advance to cover
then last meletup.....
wow bro...i really wish you luck

Please don't do this roll here cover there, if short term that you know you can clear all within next 2-3months, then it is still okay worst case. **if you have a concrete plan.

50k is not a lot and leveraging akpk can clear your case up without these roll/cover task.
Don't wait till these action bombs up and got into legal case where banks will start sending you legal letter which is another unwanted cost incurred to you which add more burden.

it is now up to you.

bro...yr case all kau tim already??

Bro...... my case, sigh.... it is kautim.

this hsbc does not even accept the wrong-doing, some more replied that the date they informed akpk is in Sep 2019 instead of 10 years ago and they did not cc akpk too.

BNM not doing anything despite saying that i am right with proof.

I just paid all and gotten cleared from akpk. So no more hsbc and going to close all my other accounts with them before CNY.

So, what i can say is that bnm has no power over the banks and banks are just licensed ah long. Take your money very fast, when we need to take back what has paid extra, need to go verify la, and wait another 2 weeks for it to bank in to you.

So, just don't get ourself into this mess again.

ya bro...HSBC really suck... doing wrong some more can argue...
me also kena with them also... charm... we just small people
nobody care about us. can we take lawyer??
since you have all the prove..

it is like that lo.

5+k.. i can go get a lawyer but the cost will be more than this and also the bank may just continue to charge me interest without mercy.

I already spent many calls and days to bnm, akpk and even to hsbc directly. that girl who handled don't dare to meet me at the counter when asked by the customer service personnel.

Saying to get me an offer letter and if i dont agree, i can asked for discount but yet, send other person down with the letter that sent 10 years ago, to wrong address and did not cc akpk. Wah... like threaten me.
All the fundamental questions to hsbc and akpk, they can't even answer but yet...

It is like Ah Kau has been jailed for 10 years by the judge, this ah kau served the 10 years and last day he so happy to get out from jail, BUT prison said, you still have 5 years to serve... OMG

So i went straight to bnm and the officer said who i met 1 week ago, it should not be this way, blablabla..asked me to write in cc to bnm, but yet...there is no response from bnm nor akpk.

all the time, travel cost, parking, toll etc etc also cost me a lot already, yet same. On top of that, we have to pay over counter..not via online. Tix lo, weekday, no need to work meh.

So fed up and i just close the case. all these ppl will get back how they did to the customers.

So lesson learned.. do check with hsbc for unstructured statement, so you aware beforehand and settle any gaps.
hsbc has become a banned bank who is supposed to be preferred bank for me.

They forgot one thing... whether we are in akpk or not, we are still the customers.

yes bro... you are right. my case with HSBC they event didnt send any single statement to me and claim
they send to me yearly lol

They are very "Chao-Ka" (dirty feet in hokkien). That day in hsbc, asking me to change my address in the system, i told her, i am not here to change address but to settle the account. Then found out that the system showing the correct address (back in 10 years ago when I still lived there) but the letter to me is wrong. see how dirty they are trying to clear the record with my consent. What they did wrong is deviation against the Banking Compliance act.

Wahhhh... anyone with HSBC has to be careful.

can you send the excel file to me too. thanks

do pm your email i can forward the excel file to you

not to say "chao-Kha" they really "ciak lang"

Thanks for the sharing guys.

Unfortunately I am planning to enroll to the program soon .

I have some questions:

1. After enrolling, can I still becoming a company director for a new JV? IS there any impact of opening a new company for business?

2. What will be the interest rate after enrolled into akpk as compared to current (12-15%)?

3. Have anyone verified some agents claim that can guaranteed 5-6% interest rate?

Thanks again for the sharing.

But but for me.....HSBC is ok wor except for one issue.
I got HSBC statement yearly and that is where i 1st create the excel file.

Only thing is when 9 year +++ back....
had to make multiple visit/call to HSBC to offset my overpaid Rm450 on the cancel credit card.
and yet never happen....until this year HSBC Yearly statement, it was deducted finally magically.

and the excel file accurately show that i will complete finish paying this year which was few month back.

"Chao Ka" in my list is
(1) Maybank CC.......finish paying but when i call for excess payment...cakap talak.....TIPU

(2) HongLeong
Personal Loan Dept....will proceed to pay excess payment....Very Honest
BUT
Credit Card Dept are bloody shark or lazy asshole.....
when tried to claim my excess payment about RM200+++ for Eon CC
Claim offset my other HongLeong CC......really asshole.

get the latest CCRIS and meet up with AKPK with documents
max is 8% interest yearly

There is no such thing as agents as AKPK never condone such thing

thanks for advise, appreciate all.