Hi guys, did anyone of you manage to get discount for full settlement in MBB, HSBC and RHB?

If yes, do you mind to share some tips and how many % discount? or keywords? so that the officer willing to give some discount.

hmmm last time i checked, is only once in a lifetime.
Nowadays got those under bankruptcy status, will get 2nd chance... details? I'm not sure.

what happend if default akpk, will it shown in ccris later?
continue pay original installment or how? do you know?

I think, just think, once you are under akpk dmp, ccris will knows.
If you defaulted on akpk dmp repayment schedule,
I think ccris will not shows, about that akpk dmp defaults.

But there are consequences ...
https://www.akpk.org.my/node/439

This post has been edited by MUM: Oct 29 2024, 05:38 PM


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great, tqvm

thank you bro. i try to ask akpk

Currently i'm under DMP, 2 CC's and 1 personal loan. I'm planning to clear one of the CC. And continue the DMP. Is that possible ? Anyone has done this ?

Yes, is possible. Is called partial settlement.
Yes, I done that before.

Does those who had AKPK before got low score on CTOS? Mine is so low although have graduated from it. My house loan never miss any payment and not under AKPK. Those banks under AKPK cleared out already. So why still low? And how long the score will climb up?

it will takes time maybe a month or 2 (on the 15th) to get record updated but dun care about CTOS too much. I dont tink bank give a ** about CTOS. they generally check ur ccris.

before i join AKPK, my so ctos score was so low that if u tell ppl i able to get another PL, no one would believe but it was approved.

How long does it take for HSBC to issue the release letter normally? This week already gone and next Monday it’s going to be 2 weeks already since full settlement. Every time follow up they keep saying 5 working days.

how to check the account balance after applied to akpk ?

I just withdraw from AKPK and it was approved. Withdrawal letter also has been issued by AKPK. Do I need to inform the respective bank that I have withdraw from AKPK?

This is not full settlement. Just withdraw and pay directly to the bank case.

Anyone with experience with this please enlighten me

Anyone having issues to login to AKPK to make payment ? It states portal is down for maintenance

If join akpk the tenure given will be 10 years, lets say after 4th year want to exit akpk, can i still buy new car or new house?

another thing is, if i have a PL, 7 years tenure, paid 2 years, 5 more years to go, once enter AKPK, my loan tenure become 15 years?

All loan amount will add in for 10 years tenure

So if ending on 2030, then this loan will be ending on 2040 if join akpk?

While waiting for his response, I Kay poh guess, should be 10 years from the date you start the DMP

Ok

Hi guys,

If I am under AKPK.

1. Can I still get the Priority Banking status from any bank if i have > RM300k fixed deposit with the bank?

2. Can i get a credit card by using my existing fixed deposit as security? For oversea travel conveneient only.