Ooops...
Wait a while ya..

sended liao
hahaha

one things i worry about is after apply akpk, i cant use credit card anymore.
i had no emergency fund at all.
im too sad.

gone case.

hi, want to check, if I am in AKPK program and pay monthly on time, but when I login to eCCRIS, 2 of my accounts shown as Special Attention Account and doesn't show what is latest outstanding balance (Alliance bank - personal loan/ RHB - Credit card), what can I do?

i really fed up with loand and debt.

due to house renovation, married

akpk cannot use card anymore.
im worry in case emergency

right now im using APONG way.

borrow here cover there.

am i stupid?

Please don't do this roll here cover there, if short term that you know you can clear all within next 2-3months, then it is still okay worst case. **if you have a concrete plan.

50k is not a lot and leveraging akpk can clear your case up without these roll/cover task.
Don't wait till these action bombs up and got into legal case where banks will start sending you legal letter which is another unwanted cost incurred to you which add more burden.

it is now up to you.

Bro...... my case, sigh.... it is kautim.

this hsbc does not even accept the wrong-doing, some more replied that the date they informed akpk is in Sep 2019 instead of 10 years ago and they did not cc akpk too.

BNM not doing anything despite saying that i am right with proof.

I just paid all and gotten cleared from akpk.  So no more hsbc and going to close all my other accounts with them before CNY.

So, what i can say is that bnm has no power over the banks and banks are just licensed ah long.  Take your money very fast, when we need to take back what has paid extra, need to go verify la, and wait another 2 weeks for it to bank in to you.

So, just don't get ourself into this mess again. 

it is like that lo. 

5+k.. i can go get a lawyer but the cost will be more than this and also the bank may just continue to charge me interest without mercy.

I already spent many calls and days to bnm, akpk and even to hsbc directly.  that girl who handled don't dare to meet me at the counter when asked by the customer service personnel.

Saying to get me an offer letter and if i dont agree, i can asked for discount but yet, send other person down with the letter that sent 10 years ago, to wrong address and did not cc akpk.  Wah... like threaten me.
All the fundamental questions to hsbc and akpk, they can't even answer but yet...

It is like Ah Kau has been jailed for 10 years by the judge, this ah kau served the 10 years and last day he so happy to get out from jail, BUT prison said, you still have 5 years to serve... OMG

So i went straight to bnm and the officer said who i met 1 week ago, it should not be this way, blablabla..asked me to write in cc to bnm, but yet...there is no response from bnm nor akpk.

all the time, travel cost, parking, toll etc etc also cost me a lot already, yet same.  On top of that, we have to pay over counter..not via online. Tix lo, weekday, no need to work meh.

So fed up and i just close the case.  all these ppl will get back how they did to the customers.

So lesson learned.. do check with hsbc for unstructured statement, so you aware beforehand and settle any gaps.
hsbc has become a banned bank who is supposed to be preferred bank for me. 

They forgot one thing... whether we are in akpk or not, we are still the customers.

can you send the excel file to me too. thanks

They are very "Chao-Ka" (dirty feet in hokkien).  That day in hsbc, asking me to change my address in the system, i told her, i am not here to change address but to settle the account.  Then found out that the system showing the correct address (back in 10 years ago when I still lived there) but the letter to me is wrong.  see how dirty they are trying to clear the record with my consent.  What they did wrong is deviation against the Banking Compliance act.

Wahhhh... anyone with HSBC has to be careful.

But but for me.....HSBC is ok wor except for one issue.
I got HSBC statement yearly and that is where i 1st create the excel file.

Only thing is when 9 year +++ back....
had to make multiple visit/call to HSBC to offset my overpaid Rm450 on the cancel credit card.
and yet never happen....until this year HSBC Yearly statement, it was deducted finally magically.

and the excel file accurately show that i will complete finish paying this year which was few month back.

"Chao Ka" in my list is
(1) Maybank CC.......finish paying but when i call for excess payment...cakap talak.....TIPU

(2) HongLeong
Personal Loan Dept....will proceed to pay excess payment....Very Honest
BUT
Credit Card Dept are bloody shark or lazy asshole.....
when tried to claim my excess payment about RM200+++ for Eon CC
Claim offset my other HongLeong CC......really asshole.

Wah...Maybank so good to you...
Actually Maybank was the 1st CC to finish repayment without me realising it until i notice that AKPK can be check online.
I only pay RM70 monthly for Maybank...

Ya...HongLeong CC dept asshole.....

i suspect all CC will not give discount as compare if you having Personal Loan
CC only charge 1.5% end of month of your outstanding debt whereas Personal Loan interest are charge in advance.

That is why i so lazy to ask for discount and let all my debts to ride out the schedule repayment 10 year program.
I use the excel software just to predict accurately which month will be my last repayment..

Next year March 2020 will be my 10 year in AKPK and my Alliance Personal Loan and AMbank CC cannot fully settle by that time.
it is because AmBank reporting last outstanding balance higher if compare to CCRIS report at that time.
and Alliance Bank ,,,monthly repayment is lower which cannot settle within 10 year.

Excel file show it is correct and i will need to visit AKPK soon to see if i can extend the AKPK by a year.
hahaha

kam cheng very strong wor.
Debtor never love calling me anymore.

i love when getting scam call saying i still hutang creditcard....usually i play a long and say really ar..
and later PAKU them kaw kaw
hahaha

or offering me loan someone and finally i say...why ar..never check my credit score..
i under AKPK...lo...terus senyap.

Ya, somehow maybank "ho kar" to me too. Same with Citi.

Both done months earlier, much earlier, they both inform akpk, pay back over payment via akpk or send me letter to claim back.

The rest soso, have to kick in order to do their job. Hsbc sucks big time. Hehehe

Thanks.. no more stupid decision.

thanks for the list of AKPK coordinators.

Call one of them and it still valid.

 

hi all i want to ask.i already in AKPK in 5 months like that.But every month CIMB always call and charge late payment and my CCRIS got 2 now every month.And always ask if i quit from AKPK because still showing late charge.i got AMbank and other bank there.but never  call me.only CIMB like this.How i cant complaint they still charging late payment.

hahaha...