shall I go direct to Citibank and ask for my release letter?

i just got 20% pay-cut since last month, things are getting very difficult.

i believe many companies are taking this opportunity to implement pay-cut.

now they can do that without much consequences.

especially SME chinese owned business, damn bloody.

Citibank officer said, AKPK department from Citibank will call me... Shit! Waited 1 week, no call, nothing!! Really want to fk 7 them...

i abit glad that, HLB asked me no need to pay anymore.. and consider SETTLE

Whoa.. So good..

I bought a CTOS report yesterday. Wonder it's true or not...
I don't have any CC or Personal Loan outstanding anymore.

Shall i go to BNM to print the report again?

After clear my debts, any Sifu here know how long it takes for me to re apply loan again?

Let's say hire purchase?

u just check ur ccris online? after cleared, direct go apply credit card ya?

i did hear from cari forum that someone wrote that HLB never changed their interest rate even u r in akpk programme. then they will keep on charge u 18% interest.. so my case is, i owe them about 2.9k. i enrolled in dec 2013. and on last year i noticed that the outstanding is RM3300. then i asked HLB what happen.. then in the next month, they changed it to 6%.

so on this month outstanding is about RM2.8k

i called and ask for recalculation and i wished to settle the outstanding. they said will recalculate my account, then few days later call me and said i no need to pay anymore.

then i tried to use 6% to calculate, its real. and i had overpaid them less than RM100. but i know that sometimes i late payment to akpk, and hlb did charge me late charges. i think plus and minus should be around Rm100 that i overpaid (i only calculate with 6% interest, i didnt add in any RM10 late payment). so i didnt call back and asked why i paid extra blah blah blah.

SO MY ADVICE TO EVERYONE, IF UR AKPK PROGRAMME INCLUDE HONG LEONG BANK...DO CHECK YOUR ACCOUNT, AS MY CASE IS NGAM NGAM 3K AND ABOUT 6-7 YEARS CAN SETTLE (MONTHLY PAYMENT RM50). I SAW FROM CARI FORUM, THAT GUY EXTRA PAID CERTAIN AMOUNT TO HONG LEONG BANK AND SUCCESSFULLY CLAIM IT BACK LATER. BUT MAFAN LOH

Actually I also no black and white for the recalculation interest charge by that HLB staff. I also duno is it have excess payment. But if have. It should be less than rm100

'

haha... this is not related to akpk. bank also need to earn money... u happy to get a houes, bank happy to earn your money

0323834500. normally they will say 10%

Hi I was looking at my internet banking and it seems I can make payment to the bank direct for CC outstanding amount. Since I am under AKPK am I allow to do that? I was thinking whenever I have extra money I will pump direct so that the amount will be reduced faster. But I am allow to do that? Would bank take in the excess payment?

Bro, i got my CCRIS report. Only show my House loan. Nothing stated at the bottom. Does it means it has cleared?

But need to wait how long just can re-apply credit card? Or Hire purchase loan?

1. how long it takes to get settlement letter from citibank ? i paid as according to what the staff told on 3rd august.

2. RHB really no discount at all ?

how u pay the RHB settlement and when they will issue letter ? i dont want to call that guy who strict and make my day bad

so happy.. got excess payment.. i think since i settle with bank.. should have no excess gua

Gd evening all, sorry for my bad english, I've have some question to ask u guys here, hope someone can gimme some ideas what to do..
I'm currently under the AKPK program & I've made a full settlement for 2 out of the 4 banks today. As for the balance 2 banks (SCB & Citi), they are unable to provide the amount for me to made payment on the spot  meaning to say I still need to wait till further notice on the amount from them.
As for the 2 banks that I made my full settlement (UOB & RHB), they said that the release letter will only be ready after 14 working days.
I don't think I'll get the release letter on time for me to update AKPK on the partial settlement
Can I stop my monthly repayment to AKPK this month end as I do not wish to pay excess amount to UOB & RHB as I believe it will be troublesome to request back the excess amount.

but i think maybe this is not a discount... just maybe the ccris is not update. and the actual outstanding on the date u call is the repayment amount... haha.. i guess