hahahaha........
i make sure no late payment
my cc use for petrol and insurance payment only nad my hire purchase is auto deduct from my bank account.

bank will request 3 months bank statement.
my pay is bank in to mbb, so i no need provide bank statement and i also got fd with mbb.

mbb is not my akpk list last time.
my hire purchase and cc also from mbb.
**my english also rojak....**

Yah, i think better apply from those bank that not in AKPK list last time is easier to approve?
Hehehe

My CCRIS is clear, but i dare not apply.. Hahahaha...
Which CC give better offer now?

Yes. i feel easy to get approval.

how u get the ccris report ?

u can get from bnm office

bnm office is closed during this mco period.

i had submitted this

https://www.bnm.gov.my/index.php?rp=ccrisform

but duno how fast i can get

i want to see if the things clear, then i only start apply cc, and loan

atually ctos can check anything?

Hi, i finished my akpk last year.

1) is it true they can help us to consolidate all our debt into a 0% affordable payment? drool.gif
no. What they do is they nego bank for you to a lower rate. you will then pay to akpk, akpk will distribute to you. Min payment is rm500.

2) will CTOS learn about this? as you know, once your name in CTOS, its hard to remove it shakehead.gif
can't remember. but if you already too deep into the shit, akpk can't really help

3) would they hold our passport like those declared bankrupt? sweat.gif
no. if you already bankrupt, they can't help you

4) what happen to all our credit card once we accepted AKPK offer? they cancelled it all or just put on hold? if put on hold, the yearly charges still need to pay?
CC cancel.

5) can we ever apply cc again after AKPK
in theory, yes. in practice, not going to be easy. i have not tried applying so far. now cash is king.

6) how many years can they make the installment payment?
depends your debt.

7) how much we need to payback to them....is it still 5%?
can't remember

If anyone here have gone to AKPK and know the answer, I would greatly appreciate it. no need for me to waste my leave just to ask them this Q

How does AKPK work/>

I have outstanding loan on a shop house for x amount. I have an offer from buyer to buy over the property for Y amount (RM150k lower than balance of debt owed to the bank).

I cannot afford to pay the loan anymore as business teruk. Decide to close business as 6 months already cannot operate due to emco/mco.

Can AKPK negotiate between both parties (me) and bank to find a settlement?

AKPK can only assist to negotiate on unsecured loans (CC, PL), any secured loan (Property, Hire Purchase) they will not assist

Yes, BNM office is close during MCO... That day went there, they asked me to go to CIMB Tower... I tot it's at Bangsar that 1... But actually it's not...
It's nearby SOGO there... got 1 CIMB tower...
there also can apply for e-ccris services...

yes, i did apply for online CCRIS form also... I think within few working days you will receive the PDF file.
Then you have to call the BNM Telelink for your password...

My CCRIS report only have my housing loan...
Nothing other than that...

Thank you

means all the credit card and personal loan sudah clear loh . good

if enrolled akpk, will affect the employment hiring? if the employer perform background checking and account in ccris under akpk, will it affected?

This post has been edited by beanmanbuu: Aug 29 2020, 01:03 AM

maybe bank job will not allow. i duno