Thanks for your information bro...I appreciate everyone here is helping out me...but unfortunately after I have entered the AKPK DMP program I hope to get more peace instead of bank keep calling up this and that threatening me with lawyer letter and etc. I also feel down after joining AKPK because I had never went through all this things before in my life and my age is not young too after paying off everything I am nearly 50 year old already and I get nothing in my life. Well life are sucks when you step wrong a single step and your whole life is gone. Since I am single too then my last resort is leaving this country and keep paying at overseas once I manage to get a job.

Thanks for your information bro...I appreciate everyone here is helping out me...but unfortunately after I have entered the AKPK DMP program I hope to get more peace instead of bank keep calling up this and that threatening me with lawyer letter and etc. I also feel down after joining AKPK because I had never went through all this things before in my life and my age is not young too after paying off everything I am nearly 50 year old already and I get nothing in my life. Well life are sucks when you step wrong a single step and your whole life is gone. Since I am single too then my last resort is leaving this country and keep paying at overseas once I manage to get a job.

1 more question guy because I googled it and check what happen to me after enroll AKPK DMP. Is that correct once you entered AKPK DMP all you credit facility will be cancelled and credit cards will be cancelled as well? I saw another post that saying after you clear off everything on AKPK DMP you will also never had a chance to apply for any credit facility due to you joined AKPK <-- if this is applied for my whole life then I might migrate to another country after I settle down all the shit.. My another question is how do I know AKPK is settling my debts with the bank is there any place for us to check it out?

Thanks
Hope to get some knowledgeable person to help me out here.

Overseas? You had experience working overseas? Do you already have something lined up, or is it just a plan for now?

You definitely will have more peace. By default bank won't disturb you once you under AKPK program. If they did, just inform them... in case their system is not up to date. So far my side I have no issue. And AKPK always help to arrange for lowest monthly installment. As long we are diligently making payment, everything will be ok.

And with the flexibility that you have, you can find a better income somewhere else w/o being tied down. Alot of AKPK applicant graduated.
Once graduated, your CCRIS is no longer have the AKPK record. You can start applying loan.

So let's move forward. One step at a time. 

Once you settle your AKPK, you are clean. Some of posters here reported able to apply credit card, housing and car loans 1 or 2 months after fully paid their AKPK.

You can still request your banks to send you a monthly statement then you can see the amount AKPK given to your bank.

Yeah hopefully i can get more peaceful for now so that the bank won't keep disturbing but i still received some stupid agent still calling me like mad i feel really frustration.
*And with the flexibility that you have, you can find a better income somewhere else w/o being tied down. Alot of AKPK applicant graduated.
Once graduated, your CCRIS is no longer have the AKPK record. You can start applying loan.*

I see but I still feel hard to get it due to age issue after paying off everything I left nothing and by the time age is nearly 50 already.

It's hard to forward the road is tough enough...

Those agents that keep calling could be third party companies engaged by the bank. Their system is not always updated. After awhile they will stop calling.

It will be hard, but our generation is build to be tough. We can endure it as long we don't give up. Set a target or future plan so that you will stay focus. Yes, there will be time you wanna give up or in slump mode.... normal... talk it out with a person. It helps.

I'm in the AKPK when I'm 40's due to job scam. I work hard all my life but within a day all gone. In debt. I still have a family to take care. Now I'm graduated dy!

I know you can do it! Wish you all the best!

Thanks bro...I am trying to stay positive and strong I do really hope I can quickly get out from this program and start re-apply back some facility if can but if can't then I don't really feel like staying in msia anymore because is pointless like if u want to buy a house or car and they reject you. *
I think I really need to re-plan my migration soon.*

*Lender Selection: Be mindful of your past relationship with lenders when applying for new loans. If you had a loan with a specific bank that was part of the DMP, it might be best to explore other lenders for your new loan needs.*

If you are single I think you can try to migrate, but migrate and all is very money dependent too.

Anyone has idea why this scbb so mafan one after admitted to AKPK but they still ask lawyer send letter to me again wtf they one. They trying to take legal action on me too wtf they want to get c4 bomb izzit?

Anyone has idea why this scbb so mafan one after admitted to AKPK but they still ask lawyer send letter to me again wtf they one. They trying to take legal action on me too wtf they want to get c4 bomb izzit?

Most of us were in your shoes before, we understand and we feel you.

Once you under AKPK, just pay AKPK monthly promptly, and your life will be back to normal. No bankers will ever disturb you again. One or Two of the banker may still try to contact you, but as long you said you are under AKPK, they will shut up and leave you alone.

As long you make your monthly payment to AKPK, sooner or later all your debts will be cleared.

One step at a time, clearing debt takes time, dont give up. We are here for you.

Anyone know if postponement of akpk can only be due to few reasons like loss of job?

Cannot just ask for 3mths moratorium then continue after that?

I make a mistake relapsing into old habit n now i am 2 mths late in making akpk payment.

What should I do to avoid termination if I am having difficulty to make the DMP payment?

Can i re-activate my DMP after termination?

And other faqs
https://www.akpk.org.my/node/439

Come on bro, dont spoil the system, we all doing hard to make monthly payment on time, dont do that man. this is very bad for all of us good payment master to AKPK.

if you have difficulty to pay AKPK, talk to the officer in advance, dont just stop payment, this is very irresponsible, AKPK is helping us and you did this to them and us.

Thanks.
Now i know why this thread dying. With ppl like you stand on high pedestal and comment, i just hope you dont work as ppl manager o related to consultancy or anything near that bcoz u r just gonna increase suicide rate.

No you got me wrong, i am always here to help anyone who is in trouble, my track record proved that.

What i really mean is IF you have difficulty to make monthly payment to AKPK (like some of us also sometime), please take the initiative to contact your AKPK officer and tell them you have issue to pay. Your officer will guide you by either reschedule or temporarily stop payment for certain months for you. Please do not just stop paying AKPK. This is what i actually mean.

Apology if i got your missundersrtand.

Keep it up. We are all here to help each other.