Welcome Guest ( Log In | Register )

185 Pages « < 42 43 44 45 46 > » Bottom

Outline · [ Standard ] · Linear+

 AKPK, debt issue, anyone got a question to ask them?

views
     
Agisman
post Jun 1 2015, 04:35 PM

New Member
*
Junior Member
16 posts

Joined: Jan 2013
QUOTE(vinlwj @ May 23 2015, 12:31 PM)
Hi, I had applied the DMP at 12 May 2015, and the first payment had been made by following day (13 May 2015). After 7-10 days later I had called them twice to follow up my application status and they said it had been approved.

But now I still haven received any offer letter that's proved I am in the DMP program, and some banks still call/sms me to pay the depts.

What should i do now? Can I start pay the second installment of DMP to AKPK on next month? Can I ignore those sms and calls from the banks?

Another thing that made me worry is I got try to log-in again on the Online DMP Application, it keep show "Combination of Online DMP + NRIC invalid!" after I had keyin my ID and Online DMP Number. Will this means i am not in the DMP programs?

I am very stress now...because i already can't afford to pay the banks' depts with minimum, and the AKPK is my only hope to keep living.

Any opinion and suggestion will be very appreciate, thank you.
*
After u pay your first payment then just wait for the offer letter, usually it should get approval fr akpk.After received letter pls call all bank collection dept state your DMP reference number to them. At the same time u should cont make payment to akpk,keep all your receipt.

If bank still calling, u just answer them u already enroll in akpk.
vickssss
post Jun 8 2015, 04:38 PM

New Member
*
Newbie
1 posts

Joined: Jun 2015
Hi, anyone can help? If currently im servicing dmp with monthly installment of 990 and this my only financial commitment.
Can i apply any car loan as now my old car always create a problem to me. Currently im earning 7k+ a month and my dmp will finish in next 4 years? Thx

miskin
post Jun 9 2015, 12:26 PM

Getting Started
**
Junior Member
84 posts

Joined: Jan 2006



QUOTE(vickssss @ Jun 8 2015, 04:38 PM)
Hi, anyone can help? If currently im servicing dmp with monthly installment of 990 and this my only financial commitment.
Can i apply any car loan as now my old car always create a problem to me. Currently im earning 7k+ a month and my dmp will finish in next 4 years? Thx
*
Hey there vickssss,

Unfortunately, once you enter DMP, you will NOT able to apply any loan/CC until you finish your DMP.

Once you enter DMP, you CCRIS record will show and stated in the report that you are currently in DMP by AKPK.

I believed this was told in a session with AKPK before you joining DMP.
bcteh
post Jun 9 2015, 03:46 PM

Casual
***
Junior Member
481 posts

Joined: May 2006


QUOTE(zzzxtreme @ Apr 8 2015, 06:38 PM)
ok , finally debt consolidation loan is approved. will terminate all cards, and just leave one with lower credit RM1000. so i can bypass AKPK. Must slap myself for not being disciplined with money. *slap slap*

now time to look for part time work for extra income...
*
which loan is it? mind to share ...
aromachong
post Jun 10 2015, 08:52 PM

Look at all my stars!!
Group Icon
Trade Dispute
2,644 posts

Joined: Sep 2013

QUOTE(RO Player @ Jun 9 2015, 12:42 PM)
only way to get ur car loan is from license money lender...if cant get from banks.
*
license money lender offer car loan? lol

i thought they offer $$$ only.. except u use $$$ to buy car.. which i think kinda foolish to do...
aromachong
post Jun 10 2015, 08:54 PM

Look at all my stars!!
Group Icon
Trade Dispute
2,644 posts

Joined: Sep 2013

QUOTE(RO Player @ Jun 10 2015, 08:53 PM)
got...but those license ones...u never try how u know... hmm.gif
*
haha.. i met a lot of my clients who borrow money from licensed money lenders / ah long...

most of them use $$$ pay debts or lose in casino/gambling...

in the end lose house .. cause license money lender u need to caveat something in order for them to borrow u big sum of $$$

aromachong
post Jun 10 2015, 09:01 PM

Look at all my stars!!
Group Icon
Trade Dispute
2,644 posts

Joined: Sep 2013

QUOTE(RO Player @ Jun 10 2015, 09:00 PM)
bank aslo ah long...professional ones...with legal letters ones...then pass to debt collectors...who act rough..
*
i dont see debt collectors from banks pours some red paints on debtors house? do we see em in newspaper like those ah long did?
SUSsupersound
post Jun 12 2015, 02:00 PM

10k Club
********
Senior Member
11,554 posts

Joined: Aug 2009
QUOTE(aromachong @ Jun 10 2015, 09:01 PM)
i dont see debt collectors from banks pours some red paints on debtors house? do we see em in newspaper like those ah long did?
*
Legal debt collector's ways are more brutal. If you think that ah longs throwing sheet and red paint are mental torture, then legal collector's ways can make you commit suicide whistling.gif
aromachong
post Jun 12 2015, 05:26 PM

Look at all my stars!!
Group Icon
Trade Dispute
2,644 posts

Joined: Sep 2013

QUOTE(supersound @ Jun 12 2015, 02:00 PM)
Legal debt collector's ways are more brutal. If you think that ah longs throwing sheet and red paint are mental torture, then legal collector's ways can make you commit suicide whistling.gif
*
how to make debtors commit suicide?

the most rm30k+ = bankruptcy procedure...

along can harass family, throw red paints, some get beaten up and always in newspapers..

legal repoman can beat u? can throw red paints? u have proof legal repoman did those and make u commit suicide? the most call company, call siblings, call family etc..

if u dont have legal valid points, put ur trolling comments elsewhere
samsam84
post Jun 17 2015, 12:11 PM

New Member
*
Junior Member
24 posts

Joined: Jan 2010
quit AKPK on Feb, and Jun apply a new cc which do not engaged before:

HSBC: Rejected
Hong Leong: Rejected
Alliance Bank: Approve
kuekwee
post Jun 23 2015, 05:37 PM

Trading for a living
*****
Senior Member
877 posts

Joined: Aug 2008
From: Kingdom far far away
Hi,

I receive call say they offer AKPK things. Is that real? Should i approach AKPK office directly? Can i settle early or pay more during the period like flexi home loan?

This post has been edited by kuekwee: Jun 23 2015, 05:39 PM
sonerin
post Jun 27 2015, 05:48 PM

Look at all my stars!!
*******
Senior Member
8,690 posts

Joined: Aug 2009
QUOTE(kuekwee @ Jun 23 2015, 05:37 PM)
Hi,

I receive call say they offer AKPK things. Is that real? Should i approach AKPK office directly?  Can i settle early or pay more during the period like flexi home loan?
*
Flexi home loan is the purpose for you to pay as much as you can to finish the loan in shorter period
kepongA
post Jun 27 2015, 10:11 PM

Getting Started
**
Junior Member
208 posts

Joined: Jun 2012


QUOTE(kuekwee @ Jun 23 2015, 05:37 PM)
Hi,

I receive call say they offer AKPK things. Is that real? Should i approach AKPK office directly?  Can i settle early or pay more during the period like flexi home loan?
*
You'll have to pay commission. Not worth as they're not official channel. better deal direct and saves you money as is free.

Yes you can settle early so that your Ccris report will also be clean.
izwanz
post Jul 1 2015, 03:06 PM

On my way
****
Senior Member
564 posts

Joined: May 2005

Anyone can advise the likelihood of someone under AKPK protection to apply for housing loan?
wild_card_my
post Jul 5 2015, 09:53 PM

Look at all my stars!!
*******
Senior Member
6,562 posts

Joined: Jan 2003
From: Kuala Lumpur

QUOTE(izwanz @ Jul 1 2015, 03:06 PM)
Anyone can advise the likelihood of someone under AKPK protection to apply for housing loan?
*
Next to zero. All the banks can see the indicator that some of your loans are under AKPK, and it will be very unlikely to agree to finance you.

My advice is to settle those AKPK loans, as soon as possible.
mmuhammadhaziq
post Jul 8 2015, 03:52 PM

New Member
*
Junior Member
13 posts

Joined: Jul 2015


QUOTE(wild_card_my @ Jul 5 2015, 09:53 PM)
Next to zero. All the banks can see the indicator that some of your loans are under AKPK, and it will be very unlikely to agree to finance you.

My advice is to settle those AKPK loans, as soon as possible.
*
What is the benefit and weaknesses to registered under akpk?
Actually i'm worried about my credit card debt, for the moment i'm still can effort but i'm still dont know what would happen next.
Eg: my credit card commitment is rm1k/month, can I reduce it to rm500/month or maybe lower if I registered under akpk?
Thanks in advance.

This post has been edited by mmuhammadhaziq: Jul 8 2015, 03:53 PM
wild_card_my
post Jul 8 2015, 04:55 PM

Look at all my stars!!
*******
Senior Member
6,562 posts

Joined: Jan 2003
From: Kuala Lumpur

QUOTE(mmuhammadhaziq @ Jul 8 2015, 03:52 PM)
What is the benefit and weaknesses to registered under akpk?
Actually i'm worried about my credit card debt, for the moment i'm still can effort but i'm still dont know what would happen next.
Eg: my credit card commitment is rm1k/month, can I reduce it to rm500/month or maybe lower if I registered under akpk?
Thanks in advance.
*
Benefit? You wouldn't be declared bankrupt, and you get a lifeline to repay your loans and correct all your mistakes that you made in the past years you have been spending without any check on your finances.

Weaknesses? No banks would give you any loans during the time you have a loan account with AKPK.
SUSsupersound
post Jul 10 2015, 04:16 PM

10k Club
********
Senior Member
11,554 posts

Joined: Aug 2009
QUOTE(mmuhammadhaziq @ Jul 8 2015, 03:52 PM)
What is the benefit and weaknesses to registered under akpk?
Actually i'm worried about my credit card debt, for the moment i'm still can effort but i'm still dont know what would happen next.
Eg: my credit card commitment is rm1k/month, can I reduce it to rm500/month or maybe lower if I registered under akpk?
Thanks in advance.
*
What is the total credit card debt now hmm.gif
mmuhammadhaziq
post Jul 11 2015, 11:19 PM

New Member
*
Junior Member
13 posts

Joined: Jul 2015


QUOTE(supersound @ Jul 10 2015, 04:16 PM)
What is the total credit card debt now hmm.gif
*
20k.
SUSsupersound
post Jul 12 2015, 12:01 AM

10k Club
********
Senior Member
11,554 posts

Joined: Aug 2009
QUOTE(mmuhammadhaziq @ Jul 11 2015, 11:19 PM)
20k.
*
Borrow from family members and clear it off.

185 Pages « < 42 43 44 45 46 > » Top
 

Change to:
| Lo-Fi Version
0.0179sec    0.10    6 queries    GZIP Disabled
Time is now: 29th March 2024 - 01:02 PM