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AKPK, debt issue, anyone got a question to ask them?
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alexkwlee
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 Jul 23 2020, 01:41 PM
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QUOTE(tyhv @ Jul 23 2020, 12:37 PM) hi, fairly new to AKPK. my total outstanding balance for 4 credit cards is around 20k. my counselor enrolled me into a 5 years DMP programme which i need to pay 500 monthly. (if add up 5 years total will be 30k).. it will be more than i have owe i'm so confused right now.. CC charge you more if you not in AKPK. if in AKPK bank will reduce to 8% (normally) but with just 20K why you go AKPK?? cant find one PL then settle all your CC debt?? |
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Azer96
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Jul 23 2020, 02:34 PM
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Getting Started
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Hello, I want to ask whether PTPTN can declare me bankrupt if I have RM 16k outstanding loan. Thank you to anyone who wishes to reply me
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SUSyklooi
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Jul 23 2020, 02:46 PM
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QUOTE(Azer96 @ Jul 23 2020, 02:34 PM) Hello, I want to ask whether PTPTN can declare me bankrupt if I have RM 16k outstanding loan. Thank you to anyone who wishes to reply me i think akpk has not authority to declare you bankrupt.... they don't bother, as you did not owe them money? or did you really owed them money like > 50k? even if you do, they will have to seek court declaration to do it. |
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alexkwlee
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Jul 23 2020, 04:11 PM
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QUOTE(Azer96 @ Jul 23 2020, 02:34 PM) Hello, I want to ask whether PTPTN can declare me bankrupt if I have RM 16k outstanding loan. Thank you to anyone who wishes to reply me as long as you are below 30k u still safe.... but they can black list you then hard for you to get loan later |
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schoe
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Jul 23 2020, 04:23 PM
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QUOTE(alexkwlee @ Jul 23 2020, 10:16 AM) HLB will no give discount they said they already gave you best discount when u in AKPK  Jusy now have a call with RHB. They are the same . They even dare to say already give rebate. Who has success in RHB? |
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schoe
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Jul 23 2020, 04:35 PM
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QUOTE(Azer96 @ Jul 23 2020, 02:34 PM) Hello, I want to ask whether PTPTN can declare me bankrupt if I have RM 16k outstanding loan. Thank you to anyone who wishes to reply me U mean u still owe PTPTN Rm16000? Why u dun just talk to ptptn and ask for repayment plan. My friend owed more than 50k. After discussion, monthly payback is Rm200 |
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monocat
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Jul 23 2020, 05:32 PM
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Getting Started
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QUOTE(schoe @ Jul 23 2020, 04:23 PM) Jusy now have a call with RHB. They are the same . They even dare to say already give rebate. Who has success in RHB? HLB and RHB really dunwan give discount.   This post has been edited by monocat: Jul 23 2020, 07:09 PM |
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schoe
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Jul 23 2020, 08:19 PM
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QUOTE(monocat @ Jul 23 2020, 05:32 PM) Yalo. Foreign bank is better than this malaysia bank |
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kwlee23200
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Jul 23 2020, 08:57 PM
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New Member
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QUOTE(kwlee23200 @ Jul 23 2020, 11:43 AM) how if i still apply from the bank ? or the citos will clear my status after a year is it ? |
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MUM
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Jul 23 2020, 09:00 PM
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QUOTE(kwlee23200 @ Jul 23 2020, 08:57 PM) how if i still apply from the bank ? or the citos will clear my status after a year is it ? i think Ctos or CCRIS will clear only after getting the information provided by the respective financial institutions... |
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getajob
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Jul 24 2020, 11:21 PM
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QUOTE(secretizme @ Jul 23 2020, 01:02 PM) Okay noted. Not sure why i unable to load the akpk portal page. FYI, during MCO - CMCO - RMCO, we can't upload thru AKPK Portal. We have to email to them @ cust.adjsec@akpk.org.my Just mention your name, your contact number and AKPK reference number will do. =) Cheers! |
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monocat
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Jul 24 2020, 11:48 PM
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Getting Started
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QUOTE(MUM @ Jul 23 2020, 09:00 PM) i think Ctos or CCRIS will clear only after getting the information provided by the respective financial institutions... Yes. bank will update bank negara every 15th of the month. like my case, i make the full payment to scb at 8th may. after 15th of may, my record updated and clear from CCRIS. |
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getajob
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Jul 25 2020, 02:17 AM
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QUOTE(monocat @ Jul 25 2020, 12:48 AM) Yes. bank will update bank negara every 15th of the month. like my case, i make the full payment to scb at 8th may. after 15th of may, my record updated and clear from CCRIS. I made full settlement to CITIBANK on 11th May 2020, Until today, my record still at AKPK. NEVER KNOCK OFF!!! |
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monocat
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Jul 25 2020, 08:49 AM
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Getting Started
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QUOTE(getajob @ Jul 25 2020, 02:17 AM) I made full settlement to CITIBANK on 11th May 2020, Until today, my record still at AKPK. NEVER KNOCK OFF!!! 1 week after i made the full payment to citibank, they call me to collect the release letter and AKPK cleared my citibank record from the list. u better call them to follow up it. |
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kwlee23200
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Jul 25 2020, 12:16 PM
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New Member
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QUOTE(MUM @ Jul 23 2020, 10:00 PM) i think Ctos or CCRIS will clear only after getting the information provided by the respective financial institutions... Thanks your information. During AKPK status , can i travel onboard ? |
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MUM
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Jul 25 2020, 12:21 PM
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QUOTE(kwlee23200 @ Jul 25 2020, 12:16 PM) Thanks your information. During AKPK status , can i travel onboard ? read post 575 https://forum.lowyat.net/topic/876712/+560#...er%20AKPK%20DMP. |
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monocat
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Jul 25 2020, 12:45 PM
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Getting Started
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QUOTE(kwlee23200 @ Jul 25 2020, 12:16 PM) Thanks your information. During AKPK status , can i travel onboard ? can... why cannot. during my akpk period, i travel to taiwan, japan china, hk, macau, singapore....... |
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getajob
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Jul 25 2020, 06:43 PM
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QUOTE(monocat @ Jul 25 2020, 01:45 PM) can... why cannot. during my akpk period, i travel to taiwan, japan china, hk, macau, singapore....... Haha... sure can travel lar... I'd been to Japan, Thailand, Singapore, Taiwan & Hong Kong too.... |
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getajob
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Jul 25 2020, 06:44 PM
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QUOTE(monocat @ Jul 25 2020, 09:49 AM) 1 week after i made the full payment to citibank, they call me to collect the release letter and AKPK cleared my citibank record from the list. u better call them to follow up it. Called ald, they said maybe because of MCO, that's why the delay... Kanasai.. All bullshit! |
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getajob
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Jul 25 2020, 06:45 PM
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shall I go direct to Citibank and ask for my release letter?
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