QUOTE(David83 @ Jun 4 2018, 10:24 PM)
Guys, what you meant by only 1 opportunity?
Join AKPK program only ONCE in a lifetimeAKPK, debt issue, anyone got a question to ask them?
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 Jun 5 2018, 09:22 AM
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#41
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Senior Member
5,713 posts Joined: Jan 2003 
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Oct 17 2018, 05:05 PM
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#42
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Senior Member
5,713 posts Joined: Jan 2003
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QUOTE(Kiefer @ Oct 15 2018, 04:43 PM) Try go back to the akpk consultant, ask him if can be reduced.. i think 10 years is max, so can't see much reduction can be done. Woah..If you have other monthly "operation costs", try reduce that. Priorities all your spending and let go what you dont need. Eg. reduce the telco plan/change to affordable one, cancel astro, use basic internet if needed, eat 'less', find alternate ways if can. I have been thru 9+ years and coming to an end soon next year. Bite bullet to go thru together with my family. Most banks have cleared and my installment to akpk also reduced. Just a few more to go in <1 year. Has been cheerful still as I have a hse to stay (rented), car to drive, bike to go office, basically still alive ! :> just my 2 cents. Salute bro for going thru hardship. Once you completed the AKPK scheme...let go out and party... i more than willing to yum char with you.  |
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Oct 17 2018, 05:13 PM
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#43
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Senior Member
5,713 posts Joined: Jan 2003
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QUOTE(cheongxp @ Oct 15 2018, 03:19 PM) Good day, wish to learn something from you guy experience. bite the bullet lo..bro.I enrolled AKPK, their informed monthly RM1800 for 9.5 years. I done the 1st payment, unfortunely I found RM1800 was too huge for me. Can I ask for reduce monthly repayment ? Really can't afford RM1800 now AKPK is godsend one time get out of the jail free. to pay RM1800 mean your debts must be in rm250k..?? |
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Nov 2 2018, 01:17 PM
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#44
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Senior Member
5,713 posts Joined: Jan 2003
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QUOTE(2387581 @ Nov 1 2018, 12:29 AM) I know, but why AKPK as a government agency, allowing this kind of existence? or BNM for this matter? That so call AKPK agent is some credit leasing company that help you in "swiping max" all your current credit card for a hefty fee.If I'm already in debt, why would I want to pay more for services I don't need? If they can get my personal info, why wouldn't they know that I'm not troubled by debt? They still want to call let me scold? Why are these people so mentally challenged? Is it because Malaysia have excessive people who cannot manage debt presents these people with this kind of business opportunities? why use AKPK name... interestingly... it work this way.. once you have manage to max out all your credit limit of all your credit card using their so-call expertise. then only you go to AKPK to manage your loan at lower interest. get it? They helping you lo in a way and whoever handle your case will get commision lo. Why i know, i go to their office lo... i am sure there are many so call AKPK agent out there and the one i go is at the infamous Kuchai Entrepenuer Park. i have Xperience it but only DO it if you really have no other way......  |
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Nov 9 2018, 01:04 PM
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#45
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Senior Member
5,713 posts Joined: Jan 2003
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QUOTE(@lice~~ @ Nov 9 2018, 11:28 AM) You know what, it's not like that only. Double interest?Currently bank still charge me for the interest separately from the monthly payment. As I thought the monthly installment amount is inclusive of interest but it's not, bank will additional charge another interest in your monthly statement. So bank collect double interests. My advise to those planning to settle their debts, better consult banks directly instead of AKPK. If bank really can't help then only the last resort to AKPK. Correct me if I am wrong. Sure bor? |
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Nov 9 2018, 03:23 PM
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#46
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Senior Member
5,713 posts Joined: Jan 2003
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QUOTE(@lice~~ @ Nov 9 2018, 01:37 PM) Take my mine as example, got proof kah?Outstanding = RM10,000 Monthly Installment = RM 150 Period = 86 months RM150 x 86 = RM12,900 (extra RM2,900 so we thought it's the interest) then every month you pay bank as the per AKPK instruction RM150 then bank charge you finance charge of example RM20.00 every month. this is 1st time i heard about double charges |
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Dec 2 2018, 09:57 AM
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#47
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Senior Member
5,713 posts Joined: Jan 2003
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QUOTE(klyde union @ Nov 30 2018, 03:03 PM) Getting calls from akpk. Sounds like scammers. HahahaAKPK will never call you. AKPK CONsultant will call almost everyone who have credit card with goodies outstanding to clear. They will help you by maxing all your Credit Card then you will only need to apply at AKPK legit center to reschedule your outstanding. It awesome..right? |
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Jan 9 2019, 03:55 PM
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#48
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Senior Member
5,713 posts Joined: Jan 2003
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QUOTE(Kiefer @ Jan 8 2019, 04:28 PM) Not sure if you are looking at application status... I am not sure where you can follow up with the application status online or not as last time my application is done manually not via online. Wow...never knew that everything must do online now.https://www.akpk.org.my/content/199-dmp-deb...ication-process Possible you can check the application by calling their helpdesk directly. Many many years back... Give a call and make an appointment. Listen to talks. Then proceed to meet up with documents. Wait Approval done. |
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Jan 22 2019, 09:39 AM
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#49
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Senior Member
5,713 posts Joined: Jan 2003
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QUOTE(gheyfriend @ Jan 15 2019, 10:59 AM) guys..i need feedback from the oustanding amount from Bank..for example, i borrow 50k from bank A and installment for 5 years which amounted to total payable RM60K. don;t understand you....you borrow 50k from bank A...now im in considering whether to get personal loan to cover or AKPK dependings on my commitment la. i went to a bank B to check if can borrow to consolidate and from the credit history listing, i saw Bank A 50k outstanding instead of the total 60K. so, im not sure if i borrow 50k from Bank B, it pays the entire sum of 50K to Bank A, if this means i fully settle Bank A? Or do i need to inform Bank A then i will settle it all.i scare later after 50k, Bank A still say not enuff.. and now you want to borrow another 50 k from Bank B to cover the loan fully at Bank A... it like never ending merry go around It better to go AKPK if you have problem even paying the Loan from Bank A initially. it show that your debt is unmanagable |
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Feb 2 2019, 09:06 PM
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#50
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Senior Member
5,713 posts Joined: Jan 2003
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QUOTE(zianaim @ Feb 1 2019, 04:55 PM) Hello, Wanna ask if you're under akpk for quite some time and never missed a payment, can you be a guarantor? Why you want to be guarantor?Just say No...... |
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Mar 28 2019, 09:04 PM
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#51
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Senior Member
5,713 posts Joined: Jan 2003
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QUOTE(Kaerna @ Mar 25 2019, 11:56 AM) Hi all, I want to know, for the document like outstanding amount from banks/credit card company. I tried online but they say account error please contact nearest branch. I am sure those banks will send you the monthly statement....What's the best way to get that document from? I tried calling the call centre for a statement but they ask me visit branch. The branch ask me go contact the head office. I tried asking my collector but they're unhappy i'm going to AKPK and refuse to cooperate with me now (even threaten me to say going AKPK will get you black listed). just want to be sure where can I my outstanding amount document without being turn away. Submit the latest monthly statement is good enough. This post has been edited by MakNok: Mar 28 2019, 09:04 PM |
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Mar 29 2019, 05:12 PM
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#52
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Senior Member
5,713 posts Joined: Jan 2003
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QUOTE(Joey Teng @ Mar 29 2019, 05:08 PM) Hi, I plan to go akpk by next Monday. Unfortunely, i am short of 2 bank statements. Whether the akpk consultant can assist to contact bank to get my outstanding balance? akpk consultant have no authority in helping you getting your bank statements .Kindly advise. you need to prepare everything and then only akpk consultant can really help you calculate whether it is possible for you to join the club. |
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Apr 21 2019, 08:38 AM
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#53
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Senior Member
5,713 posts Joined: Jan 2003
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QUOTE(lsstjs @ Apr 6 2019, 03:15 PM) Yes bro. But not much. Almost 7 year ...even if settle early....not much discount lo.But then Congrat finally start a fresh .. Come come let go yumchar to celebrate your 7 year AKPK debt free again. |
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Apr 21 2019, 08:39 AM
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#54
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Senior Member
5,713 posts Joined: Jan 2003
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QUOTE(zamnrul @ Apr 16 2019, 09:13 PM) okay noted tq No harm tryinga housing loan be restructured under the DMP? Yes, but only housing loans with Ambank, Bank Islam, Public Bank, RHB, CIMB, Bank Simpanan Nasional (BSN), and Affin Bank can be restructured under DMP. A housing loan with other financial service provided maybe considered on case to case basis Never try Never know. |
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May 17 2019, 03:40 PM
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#55
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Senior Member
5,713 posts Joined: Jan 2003
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QUOTE(carjack18 @ Apr 10 2019, 05:38 PM) If you complete your partial settlement/ complete one of your outstanding debt, you can refer to your online AKPK account for the amount to be paid to AKPK. Yup..almost immediately..Hong Leong Can only vouch for Personal Loan. Top notch service in refunding and update your settlement next working day. Printing out your latest outstanding debt and submit documentation and collect your settlement letter next day. Credit Card need to submit and wait for refund. AmBank Useless Customer Service. Stop sending outstanding debt statement to house just few years back. if want, need to apply and submit request. Ask for a simple Balance statement pun tak nak bagi. Only tell you on the face on the outstanding debt. HSBC Customer Service as good as Hong Leong No problem getting to know your outstanding debt and get a printed copy as well on spot. RHB Credit Card refund take 2 week since banking to Non-RHB bank.  This post has been edited by MakNok: May 17 2019, 03:41 PM |
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May 24 2019, 10:06 AM
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#56
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Senior Member
5,713 posts Joined: Jan 2003
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QUOTE(Joey Teng @ May 21 2019, 08:18 AM) Hi, anyone can advise? Ignore the letter...I have been enrolling with AKPK, but Hong Leong bank still send reminder letter to remind me for paying the outstanding loan. Their letter mentioned that will engage debt collector to go my house. I have been call to Hong Leong, but they keep saying wanna me to make payment and no update from AKPK. So any solutions can avoid the reminder letter? Once you start paying monthly . ...to AKPK.. HongLeong cannot do anything but keep sending reminder letter....it will go away after sometimes.. If they call you...say you under AKPK program. Hear the AKPK word...they will never pester you again. |
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Jun 12 2019, 10:29 AM
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#57
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Senior Member
5,713 posts Joined: Jan 2003
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QUOTE(alexkwlee @ Jun 11 2019, 11:43 AM) tks.. i also go to the wedside before. as you know once under akpk they will terminate all our CC so i can't register the username and login the webpage.  QUOTE(alexkwlee @ Jun 11 2019, 11:55 AM) call their number 03-23835700 but always they link to other dept and they will ask to leave phone number and they dont want to give akpk section phone number. how many times i leave my number also didnt see their akpk PIC to call me back... really jia lat... Call AKPK customer service and ask for AKPK designated officer for that bank. AKPK will gadly assist lo. |
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Jul 3 2019, 01:43 PM
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#58
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Senior Member
5,713 posts Joined: Jan 2003
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QUOTE(speedo @ Jul 3 2019, 01:21 AM) Hi, i enroll akpk few years ago. Declaration amount during submission is not the final amount lo...I declare my rhb credit upon enrollment at 4.5k while my aeon 4.3k. Tenure rhb 62month while aeon at 58month. Monthly paid same amount. When i check outstanding last month the different is around 2k where aeon hv bigger amount. Was thinking there is hidden charges by aeon. They couldnt provide details statement citing because of akpk. Anyone have any idea why the gap is so big? Aeon also didnt give rebate for full settlement. It is still up to Banks to have the final say what will the amount be. Most of bank will charge monthly interest upfront before taking account the monthly repayment. Your current outstanding balance x 0.67% = Total New Amount minus monthly repayment. My guess your monthly payment for both is rm60 If i am correct. RHB should finish paying in 4 year Aeon in 3 year 10month. |
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Jul 3 2019, 01:44 PM
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#59
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Senior Member
5,713 posts Joined: Jan 2003
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QUOTE(Ming2017 @ Jun 27 2019, 05:49 PM) I get the 8% interest. You can zero interest as well.It is very fast, after u register online, u can choose the date to meet the AKPK counselor. For my case, e.g. I register this week and next week is my appointment. During meet up with counselor, counselor will tell u how much to pay per month, interest rate and repayment period. Then u can go back to think whether you want or not. Once u make the first payment to AKPK, then mean u agree and u are enroll in AKPK. |
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Jul 3 2019, 03:32 PM
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#60
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Senior Member
5,713 posts Joined: Jan 2003
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QUOTE(MUM @ Jul 3 2019, 01:59 PM) for the benefits of those readers intending to go to AKPK in future... apparently one of my loan get 0% interest rate according to offer lettercould you please elaborate? but my Excel calculation stated most probably included 8% interest because i still paying it...hahaha i will need to meet up with AKPK Officer to get further info when i pointed out to them why one of my loan get 0% interest which the rest is 8% annually This post has been edited by MakNok: Jul 3 2019, 03:33 PM |
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