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

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btan
post Dec 11 2019, 10:22 AM

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QUOTE(Kiefer @ Dec 10 2019, 09:47 AM)
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.
*
thanks for advise, appreciate all.
alexkwlee
post Dec 11 2019, 11:06 AM

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QUOTE(MakNok @ Dec 11 2019, 09:21 AM)
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.
*
for my case Maybank like very "ho kar"
pay not finish remain about rm1050 suddenly come release letter say i am done payment
then they just waive the RM1050 payment drool.gif drool.gif
Hong Leong CC really shit me and your case is same one HLB CC card finish payment got advance they carry forward
to HLB CC... when ask for early settlement got discount bo?? they say 8% already give very good discount liao.
so i just continue keep on pay the remain RM908 doh.gif doh.gif
MakNok
post Dec 11 2019, 11:26 AM

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QUOTE(alexkwlee @ Dec 11 2019, 11:06 AM)
for my case Maybank like very "ho kar"
pay not finish remain about rm1050 suddenly come release letter say i am done payment
then they just waive the RM1050 payment  drool.gif  drool.gif
Hong Leong CC really shit me and your case is same one HLB CC card finish payment got advance they carry forward
to HLB CC... when ask for early settlement got discount bo?? they say 8% already give very good discount liao.
so i just continue keep on pay the remain RM908 doh.gif  doh.gif
*
Wah...Maybank so good to you...
Actually Maybank was the 1st CC to finish repayment without me realising it until i notice that AKPK can be check online.
I only pay RM70 monthly for Maybank...

Ya...HongLeong CC dept asshole.....

i suspect all CC will not give discount as compare if you having Personal Loan
CC only charge 1.5% end of month of your outstanding debt whereas Personal Loan interest are charge in advance.

That is why i so lazy to ask for discount and let all my debts to ride out the schedule repayment 10 year program.
I use the excel software just to predict accurately which month will be my last repayment..

Next year March 2020 will be my 10 year in AKPK and my Alliance Personal Loan and AMbank CC cannot fully settle by that time.
it is because AmBank reporting last outstanding balance higher if compare to CCRIS report at that time.
and Alliance Bank ,,,monthly repayment is lower which cannot settle within 10 year.

Excel file show it is correct and i will need to visit AKPK soon to see if i can extend the AKPK by a year.
hahaha
alexkwlee
post Dec 11 2019, 04:15 PM

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QUOTE(MakNok @ Dec 11 2019, 11:26 AM)
Wah...Maybank so good to you...
Actually Maybank was the 1st CC to finish repayment without me realising it until i notice that AKPK can be check online.
I only pay RM70 monthly for Maybank...

Ya...HongLeong CC dept asshole.....

i suspect all CC will not give discount as compare if you having Personal Loan
CC only charge 1.5% end of month of your outstanding debt whereas Personal Loan interest are charge in advance.

That is why i so lazy to ask for discount and let all my debts to ride out the schedule repayment 10 year program.
I use the excel software just to predict accurately which month will be my last repayment..

Next year March 2020 will be my 10 year in AKPK and my Alliance Personal Loan and AMbank CC cannot fully settle by that time.
it is because AmBank reporting last outstanding balance higher if compare to CCRIS report at that time.
and Alliance Bank ,,,monthly repayment is lower which cannot settle within 10 year.

Excel file show it is correct and i will need to visit AKPK soon to see if i can extend the AKPK by a year.
hahaha
*
aiyo wan to njoy one more year with akpk ah.... 10 years already have strong relationship already laugh.gif laugh.gif
MakNok
post Dec 11 2019, 04:54 PM

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QUOTE(alexkwlee @ Dec 11 2019, 04:15 PM)
aiyo wan to njoy one more year with akpk ah.... 10 years already have strong relationship already laugh.gif  laugh.gif
*
kam cheng very strong wor.
Debtor never love calling me anymore.

i love when getting scam call saying i still hutang creditcard....usually i play a long and say really ar..
and later PAKU them kaw kaw
hahaha

or offering me loan someone and finally i say...why ar..never check my credit score..
i under AKPK...lo...terus senyap.
alexkwlee
post Dec 11 2019, 05:03 PM

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QUOTE(MakNok @ Dec 11 2019, 04:54 PM)
kam cheng very strong wor.
Debtor never love calling me anymore.

i love when getting scam call saying i still hutang creditcard....usually i play a long and say really ar..
and later PAKU them kaw kaw
hahaha

or offering me loan someone and finally i say...why ar..never check my credit score..
i under AKPK...lo...terus senyap.
*
laugh.gif laugh.gif laugh.gif then you better ask akpk to pro long another 10 years lor...
say to them you miss them so much cant leave them... laugh.gif laugh.gif
Kiefer
post Dec 11 2019, 05:06 PM

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QUOTE(alexkwlee @ Dec 11 2019, 11:06 AM)
for my case Maybank like very "ho kar"
pay not finish remain about rm1050 suddenly come release letter say i am done payment
then they just waive the RM1050 payment  drool.gif  drool.gif
Hong Leong CC really shit me and your case is same one HLB CC card finish payment got advance they carry forward
to HLB CC... when ask for early settlement got discount bo?? they say 8% already give very good discount liao.
so i just continue keep on pay the remain RM908 doh.gif  doh.gif
*
Ya, somehow maybank "ho kar" to me too. Same with Citi.

Both done months earlier, much earlier, they both inform akpk, pay back over payment via akpk or send me letter to claim back.

The rest soso, have to kick in order to do their job. Hsbc sucks big time. Hehehe
MakNok
post Dec 11 2019, 05:08 PM

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QUOTE(alexkwlee @ Dec 11 2019, 05:03 PM)
laugh.gif  laugh.gif  laugh.gif  then you better ask akpk to pro long another 10 years lor...
say to them you miss them so much cant leave them... laugh.gif  laugh.gif
*
i would love it very much.
Cash is king now...

if can prolong...i will definitely prolong....
slowly pay them song song.
tongue.gif

alexkwlee
post Dec 11 2019, 05:09 PM

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QUOTE(Kiefer @ Dec 11 2019, 05:06 PM)
Ya, somehow maybank "ho kar" to me too. Same with Citi.

Both done months earlier, much earlier, they both inform akpk, pay back over payment via akpk or send me letter to claim back.

The rest soso, have to kick in order to do their job. Hsbc sucks big time. Hehehe
*
bro look like you and me have many same bank oooo.... laugh.gif laugh.gif
last time really crazy apply so many cc and loan so many PL.
ai charm.... 10 years like that finish ad.... total add up i think 300k got including bank interest charge.
Kiefer
post Dec 11 2019, 05:10 PM

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QUOTE(MakNok @ Dec 11 2019, 04:54 PM)
kam cheng very strong wor.
Debtor never love calling me anymore.

i love when getting scam call saying i still hutang creditcard....usually i play a long and say really ar..
and later PAKU them kaw kaw
hahaha

or offering me loan someone and finally i say...why ar..never check my credit score..
i under AKPK...lo...terus senyap.
*
Haha...our hp numbers are sold left right up down for scams.
They keep doing new ways. Even telekom also got, maxis also.

I also got offer loan la cc la...haha dream high
MakNok
post Dec 11 2019, 05:16 PM

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QUOTE(Kiefer @ Dec 11 2019, 05:10 PM)
Haha...our hp numbers are sold left right up down for scams.
They keep doing new ways. Even telekom also got, maxis also.

I also got offer loan la cc la...haha dream high
*
yalor....my VVIP number kena kaw kaw...
so many SMS for gambling...property and the best Ahem also.
now left that number at another phone and forward the call only

So bro...all your AKPK crispy clean and clear already?
No more exclusive AKPK membership liao kah?
Kiefer
post Dec 11 2019, 07:03 PM

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QUOTE(alexkwlee @ Dec 11 2019, 05:09 PM)
bro look like you and me have many same bank oooo.... laugh.gif  laugh.gif
last time really crazy apply so many cc and loan so many PL.
ai charm.... 10 years like that finish ad.... total add up i think 300k got including bank interest charge.
*
Ya..10 years gone for stupid mistake i made. Definitely more than 300k.

In that 10 years, many things changed..

Now at shopping mall, salesperson come...credit card credit card, free this free that...he said free debt..free debt...not debt free ye...jalan straight je
Kiefer
post Dec 11 2019, 07:07 PM

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QUOTE(MakNok @ Dec 11 2019, 05:16 PM)
yalor....my VVIP number kena kaw kaw...
so many SMS for gambling...property and the best Ahem also.
now left that number at another phone and forward the call only

So bro...all your AKPK crispy clean and clear already?
No more exclusive AKPK membership liao kah?
*
I paid hsbc 5+k for their wrongdoing. Fed up with them. With proof also die.

Spent 10years in jail and when discharging, they blocked and throw me back foe another 5 years...so pay the stupid extra interest and exit.

Gonna close my hsbc accounts soon and bye bye.
MakNok
post Dec 11 2019, 11:49 PM

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QUOTE(Kiefer @ Dec 11 2019, 07:07 PM)
I paid hsbc 5+k for their wrongdoing. Fed up with them. With proof also die.

Spent 10years in jail and when discharging, they blocked and throw me back foe another 5 years...so pay the stupid extra interest and exit.

Gonna close my hsbc accounts soon and bye bye.
*
Walau....HSBC really pirates..
WeiLoonChuak
post Dec 12 2019, 12:04 PM

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QUOTE(Kiefer @ Dec 11 2019, 07:07 PM)
I paid hsbc 5+k for their wrongdoing. Fed up with them. With proof also die.

Spent 10years in jail and when discharging, they blocked and throw me back foe another 5 years...so pay the stupid extra interest and exit.

Gonna close my hsbc accounts soon and bye bye.
*
Congrats, finally graduated ... rclxms.gif
Kiefer
post Dec 12 2019, 08:53 PM

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QUOTE(WeiLoonChuak @ Dec 12 2019, 12:04 PM)
Congrats, finally graduated ...  rclxms.gif
*
Thanks.. no more stupid decision.
alexkwlee
post Dec 13 2019, 08:26 AM

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QUOTE(Kiefer @ Dec 12 2019, 08:53 PM)
Thanks.. no more stupid decision.
*
can start apply credit card liao.... laugh.gif laugh.gif
Kiefer
post Dec 13 2019, 08:47 AM

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QUOTE(alexkwlee @ Dec 13 2019, 08:26 AM)
can start apply credit card liao.... laugh.gif  laugh.gif
*
no way man. i am good with debit card and prepaid credit cards. nod.gif
MakNok
post Dec 13 2019, 04:36 PM

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QUOTE(alexkwlee @ Dec 13 2019, 08:26 AM)
can start apply credit card liao.... laugh.gif  laugh.gif
*
Whattttt!!!!

Siao ar!!!!!
[SIZE=14][COLOR=blue]
MakNok
post Dec 13 2019, 04:42 PM

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QUOTE(Kiefer @ Dec 11 2019, 07:03 PM)
Ya..10 years gone for stupid mistake i made. Definitely more than 300k.

In that 10 years, many things changed..

Now at shopping mall, salesperson come...credit card credit card, free this free that...he said free debt..free debt...not debt free ye...jalan straight je
*
my 10year is not due to stupidity but more to urgency matter
it is due to medical which happen to my mum got stroke after the angiogram.
Land also sell....Car also sell...
Had to go AKPK because to free up more cash.

Finally in Aug this year, my mum say goodbye after bedridden since 2000

for me ...definitely more than 300k..
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