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

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wacko_joy
post Jan 31 2024, 08:14 PM

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QUOTE(shuu @ Jan 31 2024, 10:51 AM)
i recently made my full settlement and in the DMP website, i saw my status = "Full Settlement". Do this means my account with akpk still active? Do i need to do something to withdraw/close the account?
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I don't think we need to do closing or anything.... cuz for me, as long i check there is no records of the bank i owe and etc.... is considered done.
And my CCIS & CTOS record also dun hv the AKPK label as well.
Angrycitizen12
post Feb 2 2024, 01:00 PM

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Hi, anyone can share exp for UOB and OCBC CC default payment? Will debt collector come to house? UOB close to 3 months, OCBC 2 months
wongtk
post Feb 3 2024, 09:31 AM

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Hi guys, may I know the latest interest rate AKPK negotiated for your debt consolidation with bank?
wongtk
post Feb 3 2024, 10:15 AM

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Also confirm after we done our loan repayment under AKPK, how long does it take for CCRIS to remove our AKPk status? I checked on another person’s blog said once you in AKPK, even you done with full settlement, bank will very hesitate to give credit card/loan in future
steel52
post Feb 3 2024, 11:41 AM

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QUOTE(Angrycitizen12 @ Feb 2 2024, 01:00 PM)
Hi, anyone can share exp for UOB and OCBC CC default payment? Will debt collector come to house? UOB close to 3 months, OCBC 2 months
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Maybank on the 4th month received legal letter and followed by debt collectors knocking door.

UOB on the 7th month received legal letter.

In between will receive calls from the collectors. Collectors will call your parents too

This post has been edited by steel52: Feb 3 2024, 11:43 AM
metalgearash1987
post Feb 6 2024, 10:31 PM

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Hi Guys,

Is it normal that when we enroll in AKPK, our CTOS will become poor?

How to improve CTOS rating be better again? Exit AKPK then will have true scoring? Because have been getting better pay since first enrolled AKPK in 2018. But CTOS still poor.

Wondering is it because enrolled into AKPK or what. In CCRIS and CTOS no missed payment at all.

This post has been edited by metalgearash1987: Feb 6 2024, 10:32 PM
applelaine
post Feb 14 2024, 04:27 PM

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i've been paying AKPK on time for 3 years but i realised my ctos report outstanding balance is increasing. is this normal?
guysmiley
post Feb 14 2024, 04:35 PM

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QUOTE(inspiron @ Dec 16 2008, 01:32 AM)


1) is it true they can help us to consolidate all our debt into a 0% affordable payment?  drool.gif

2) will CTOS learn about this? as you know, once your name in CTOS, its hard to remove it  shakehead.gif

3) would they hold our passport like those declared bankrupt?  sweat.gif

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?

5) can we ever apply cc again after AKPK

6) how many years can they make the installment payment?

7) how much we need to payback to them....is it still 5%?

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
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answering from own personal experience...

1. yes
2. yes. and once all debts gone, ur ctos be cleared too.
3. no. u can still go danok.
4. cancelled of coz. if not whats the purpose u go to akpk?
5. yes.
6. u need to discuss with them. mine was 2 yrs boz not so much.
7. pay who? once u go akpk, it will be the total of your outstanding+any interest. but in some cases they can even remove the interest.


fancygummies
post Feb 21 2024, 11:15 AM

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hello, I submitted akpk application, I know it needs 7 days to be approved. Today is already day 4 , is there any hope on my application?
wacko_joy
post Feb 21 2024, 12:05 PM

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QUOTE(fancygummies @ Feb 21 2024, 11:15 AM)
hello, I submitted akpk application, I know it needs 7 days to be approved. Today is already day 4 , is there any hope on my application?
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Should be. They even work on Sun. Those agent will called you. I mean at least on my case, yes. biggrin.gif
fancygummies
post Feb 21 2024, 12:27 PM

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QUOTE(wacko_joy @ Feb 21 2024, 12:05 PM)
Should be. They even work on Sun. Those agent will called you. I mean at least on my case, yes.  biggrin.gif
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aiyo i count only working days. if includes weekend today is already day 6 lollll. lets hope for good news! finger crossed flex.gif
tkyong1
post Feb 21 2024, 03:40 PM

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QUOTE(wacko_joy @ Feb 21 2024, 12:05 PM)
Should be. They even work on Sun. Those agent will called you. I mean at least on my case, yes.  biggrin.gif
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Last time mine approved within 6 hours approved.

You may call that officer that served you. Sometime AKPK is waiting for you to make the 1st payment to activate the approved plan.

Please call the officer.
wacko_joy
post Feb 21 2024, 07:28 PM

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QUOTE(fancygummies @ Feb 21 2024, 12:27 PM)
aiyo i count only working days. if includes weekend today is already day 6 lollll. lets hope for good news! finger crossed flex.gif
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I'm not sure actually. The agent called me on Sun morn which I'm very surprise. They wanna do ask some question before proceed.
So after the call, I think the next day, I received an email for confirmation dy
wacko_joy
post Feb 21 2024, 07:30 PM

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QUOTE(tkyong1 @ Feb 21 2024, 03:40 PM)
Last time mine approved within 6 hours approved.

You may call that officer that served you. Sometime AKPK is waiting for you to make the 1st payment to activate the approved plan.

Please call the officer.
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Agreed. I was anxious also during the application period cuz I hope it get approved before my credit card due date.. so I did called them as well.
But can't rmb wat they say.... then later Sun I received a call from their agent.
fancygummies
post Feb 21 2024, 09:36 PM

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QUOTE(wacko_joy @ Feb 21 2024, 07:30 PM)
Agreed. I was anxious also during the application period cuz I hope it get approved before my credit card due date.. so I did called them as well.
But can't rmb wat they say.... then later Sun I received a call from their agent.
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good news I have received email this evening! guess gonna start my discipline road from today. Thank you so much guys!
wacko_joy
post Feb 22 2024, 02:10 AM

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QUOTE(fancygummies @ Feb 21 2024, 09:36 PM)
good news I have received email this evening! guess gonna start my discipline road from today. Thank you so much guys!
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Congrats! Hope you graduate ASAP. Nothing is impossible! Fighting!
tkyong1
post Feb 22 2024, 09:06 AM

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QUOTE(fancygummies @ Feb 21 2024, 09:36 PM)
good news I have received email this evening! guess gonna start my discipline road from today. Thank you so much guys!
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Dont forget to make the 1st payment ah.

If i remember, there is a timeframe for you to pay the 1st payment to activate your AKPK plan.
fancygummies
post Feb 22 2024, 09:17 AM

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QUOTE(tkyong1 @ Feb 22 2024, 09:06 AM)
Dont forget to make the 1st payment ah.

If i remember, there is a timeframe for you to pay the 1st payment to activate your AKPK plan.
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yeahh! within 10days! fighting!
tkyong1
post Feb 22 2024, 09:53 AM

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QUOTE(fancygummies @ Feb 22 2024, 09:17 AM)
yeahh! within 10days! fighting!
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peace of mind, no more bank calls daily, what a relief
fancygummies
post Mar 1 2024, 02:09 PM

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QUOTE(tkyong1 @ Feb 22 2024, 09:53 AM)
peace of mind, no more bank calls daily, what a relief
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I had made my first payment to AKPK. but why the bank is still calling me?@@
and where can we check the second payment to akpk for the due date ya? i check from akpk customer portal but seems not seeing this date.

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