ya install whoscall, dont pick up, call back the missed call. when you call back if the caller ringtone is direct du~~~~~~~~~~~~~then most likely is debt collector.

add them to blacklist in ur contact. then only Maybank debt collector comes to your house but just act thats my bro. however we move to new place, so they cant trace us.

bankruptcy is when you debt to a bank is more than 50k , but mine is different banks add to that amount. Now 50k increase to 100k for bankrupcy?

i think better you just refinance and settle all your debt bro...

once i done refinacing, should i go akpk so they can help and reduce the interest, serve few months, lumsum sekali payoff by asking discount from the bank individually?

first i not sure you already get blacklist or not by bank??

you can try check your CCRIS or CTOS about your current status.

my suggestion is if you success refinance its better you directly nego with bank

sure they will give you good discount.

I have one question

somehow or rather i owe maybank CC, but in ctos n ccris doesnt appear. what does it mean?

and why only show limit on PL (HLB) CC (CIMB) but without the amount of owing them?

ya from pic u c , there is no CC from maybank

This post has been edited by fumi: Dec 16 2020, 10:13 PM

to be sure better call bank directly because CCRIS information is get from bank

ok, i bought this report from CTOS so thot it shud show everything

for CCRIS information CTOS also get form Bank Negara.

but can see you have some special attention account.

special attention account is same as blacklisted?

i check google and below information i get

What is Special Attention Account? Loans reported under Special attention Account are loans that are non performing loans (NPL) that the financial institution has placed under special monitoring in view of recovering the loan or in the midst of collection.

Any loan under special attention accounts, the outstanding balance usually will not shown in CCRIS report. Even when you want to check the balance at the bank counter, they will need to call the collector to know the details. Meaning that bank already passed your account to the collector agent. And although not directly blacklisted, these special attention accounts will be treated as blacklisted by other banks if you want to apply for loans. Banks will never approve your loans as long as those special attention accounts still there.

And what worst is you can no longer pay partially to clear your record. Example you only defaulted 5/6 months for each accounts, even if you pay back those 5/6 months in lump sum those accounts will still remain in that special attention account, and will not move back to upper row (normal loan accounts). You have to pay the whole outstanding amounts left in order to clear your CCRIS record. This special attention account also will bring down your credit score to very poor, normally below 400.

This post has been edited by Sagiez: Dec 18 2020, 02:46 PM

ya i am planing to clear in one lum sum not by monthly, one bank at a time. but really thanks to illustrate it so cleary

wish you settle everything soon bro...

What is the difference between AKPK and MyKNP?

https://myknp.com.my/

akpk is help you consolidate your unsecured loan and restructure following your ability


APAKAH MYKNP DAN PERANANNYA

MyKNP merupakan usahasama oleh BNM, CGC dan AKPK untuk menyediakan bantuan khidmat nasihat kepada pemohon yang tidak berjaya mendapatkan pembiayaan PKS atau pembiayaan perumahan.

Objektifnya adalah untuk memupuk dan memberi pemohon kefahaman yang lebih baik mengenai faktor-faktor yang mempengaruhi permohonan pembiayaan mereka dan meningkatkan kelayakan mereka untuk mendapatkan pembiayaan daripada sistem kewangan formal.

finally call SCB and make the last payment... now can "graduate" from AKPK after serving 10 years payment...

wow congrats bro. how much you pay per month for 10 years? how much you owe previously in total?

about 250k in total
1st 2 years is Rm2200
year 3 to 4 is RM2550
year 5 onward until end of loan is RM3200