I found mine at the AKPK customer portal and I did able to talk to her to help me if i really needed. I hope everyone here can support each other instead of argue because argue it won't solve the problem why not we united together and pay off everything and start a freedom life again.

Hi guys
I took up AKPK during Covid , helped me a lot
I’ve been paying my AKPK for 5 years already without fail

Just want to ask
Recently I got promoted by company . But I need to attend a 6 months course where I won’t get my allowance which means I got like 60% temporary reduction in salary

This is a good thing . Not that I’m incapable or I relapsed into other debts .

But those who have applied for deferment of loan
Do you think I can get a deferment ? Maximum is 3 months right ?

I tried to talk to officer but the hotline all robot talking no matter which menu I chose

yes, you are right about it.

AKPK may need you to get the Declaration of Oaths, this can be easily done at any Commission for Oaths office, just some small fee like less than RM50.

If you have official letter from your employer, you may try 6 months with proof, no harm to try.

Best of luck, mates.

Thanks for the reply

Now the AKPK totally avoid talking to us personally
Everything is to be applied online , including the postponement
In their online application , the drop down box only has maximum of 3 months

Some of you mentioned that don’t apply more than 2 times right ?

Also , just FYI . All DMP are fixed at 10 years . Even if you can afford for a shorter term . Only if you got more money then you transfer more money into the DMP account and eventually ask them to settle off the loan . That’s what they told me

does anyone know if account will be terminate if i just make partial payment?

e.g my mthly instalment is 6,700 but i can only afford pay 3,000 as of now (already no pay 2mths, so if default this month is 3rd month and will be terminated but i only have 3k to pay)

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

A customer who is having difficulty in making the DMP payment should immediately contact AKPK to discuss the possible solutions to address the matter.

1. How can the DMP be terminated?

The DMP will be terminated upon monthly instalment payment default by the customer. Once defaulted, AKPK will automatically terminate the programme. An individual is only allowed a onetime chance to enrol in the DMP. Thus, a customer should always monitor and maintain the DMP payment to avoid termination

https://www.akpk.org.my/node/439

Just quick update on myself.

Make an appointment to see akpk counsellor and resolved the problem. Gonna start fresh back in nov (financially and heart feeling).

Hi everyone, has anyone dealt with UOB regarding an AKPK settlement before?
They gave me a few contact numbers starting with 03-2637xxxx, but none of them seem to be reachable.

Then go for bankruptcy and pay an even lower amount

After I enter AKPK i found out HSBC is truly the most lousy bank out in malaysia.

Why? Because I enter AKPK back in jun 2024 and HSBC only today makes AKPK request effective and change my CC to AKPK term loan. It means all my payment previously was paid like normal payment to CC and 18% interest charged until this month.

Wonder if can make complaint to BNM.

After you enter AKPK do you have to notify the banks or they would know otherwise?

If according to this art8cle, ...the banks would hv already agreed to your DMP payment plan set up earlier.

https://www.comparehero.my/debt-management/...n_AKPK_help_you

Better check with or inform /ask Akpk about it.



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AKPK, bank would have to agreed and change my cc to term loan.