Anyone experience difficulties in opening a saving account during DMP programme. I try to open Hong Leong bank saving account but was told got some problem. Not sure if it is due to akpk. I Don have any akpk loan with Hong leong bank though. This is going to be a problem for me cause I am supposed to receive a big sum of money but need to have a joint account with family member. If they came to know I have akpk issue, I am going  to lose my chance to have tht money.
  When I sign up for akpk, I oledi make up my mind no more credit and PL for me but nvr think of not able to open a saving account.

Anyone experience difficulties in opening a saving account during DMP programme. I try to open Hong Leong bank saving account but was told got some problem. Not sure if it is due to akpk. I Don have any akpk loan with Hong leong bank though. This is going to be a problem for me cause I am supposed to receive a big sum of money but need to have a joint account with family member. If they came to know I have akpk issue, I am going  to lose my chance to have tht money.
  When I sign up for akpk, I oledi make up my mind no more credit and PL for me but nvr think of not able to open a saving account.

Hi All,

Need to get some opinion....

I already enroll in DMP programme for almost 7 years. Recently, i just done all my settlement to all the loan to all bank. AKPK portal also updated.

May i know, after fully settlement for all the loan in AKPK, how long to clear my name under CCRIS and CTOS? AFter how many month that i can apply loan(from bank) again?

your monthly income (no need give exact amount)?
private sector or gov?

While waiting for responses, you can try page 169 n 170.
There got some info

Hello everyone....

Anyone with much AKPK experience here, need help urgently.

I have been under DMP programs for like 8 years now, usually for payments, it's stepping up the amount gradually overtime.

But for me, due to life constraints and difficulties, I didn't manage to step up that much, I requested (2 times) to maintain or increase abit the repayment only.

For the my last 2 years installment, it's a step-up of 200% (RM4,750) of my current payment (RM1,600).

I definitely cannot afford it....
Anyone face this issue before? Can shed some lights?
Can AKPK extend the payment over 10 years?

What I should do?

If lets say i have 4 accounts under akpk , i settlment 2 accounts directly with bank . Do i need to update to AKPK? AKPK will reduce the repayment automatically?

Every yearly bonus I received, I'll use it to pay one lump sump to clear off 1 CC by contacting bank and ask for full settlement amount.

Settlement Year & Discount
2018 - Maybank CC - Balance at 6k, offered to settle with 1k discount
2019 - CIMBCC - Balance at 15k, offered to settle with 5k discount
2020 - UOB CC - Balance at 9k, offered to settle with 3k discount
2022 - CITI CC - Balance at 22k, offered to settle with 2k discount

So in March 2022 after receiving my yearly bonus, I managed to graduate from AKPK, and after checking my eCCRIS record and make sure all the special attention CC accounts are removed in April 2022, new CC & hired purchased loan are approved without any question asked from banks.

It's been hell of the 5 years for me, but it is also life changing as I learn to be more financial literate. Oh yes, I also meet my gf & got married with her during this period as well.

Hi guys,

Can AKPK help us to restructure the housing loan?

Hi SummerGuy,

That's my target as well. Trying to do full settlement amount. May I know the discount is you negotiate for it or the bank auto/inform you about it?
Thanks.

And by the way, AKPK is it using reducing balance way for interest charge?
Thanks

Congrats to you! Would like to ask if banks will actually charge additional interest on top of the 8% as set by AKPK?

Hi guys,

I am active AKPK member, i have been in the DMP for couple years.

What should I do if i would like to add another loan account inside my AKPK program?

Can do the additional in our AKPK Portal? How?

Thanks in advance, need help.