AKPK, debt issue, anyone got a question to ask them?
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 Jul 25 2018, 05:10 PM
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#1
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Junior Member
565 posts Joined: Sep 2005  
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QUOTE(Ron2828 @ Jul 17 2018, 08:51 PM) https://loanstreet.com.my/learning-centre/a...xpands-services What is this? After finish reading still not understand Seems like this Voluntary Arrangement is better than existing DMP programme. Anyone here has joined this programme?   |
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Oct 9 2018, 03:35 PM
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#2
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Junior Member
565 posts Joined: Sep 2005
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QUOTE(zydoce @ Oct 9 2018, 03:18 AM) Where can I check how much debt I have with each of the banks? Check with AKPK or with each of the banks? Your bank statement?I called AKPK before, they said need to ask bank. When I called bank, they said need to check with AKPK because I'm under AKPK... And then I'm confused Well, i confuse on this matter too as some bank do not issue the statement anymore. |
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Oct 9 2018, 04:08 PM
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#3
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Junior Member
565 posts Joined: Sep 2005
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QUOTE(yhcyber @ Oct 9 2018, 03:56 PM) CTOS need to pay, the basic report is really a basic rubbish that telling nth. CCRIS will list out every single debt including AKPK that you had done. Besides, you can register eCCRIS at the same time, so that you can always retrieve the report and know your debt status up to date. AKPK can register also, will go AKPK instead since it's nearer.I just went to Bank Negara 30min ago and done it  Thanks for the info. This post has been edited by @lice~~: Oct 9 2018, 04:19 PM |
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Nov 9 2018, 11:28 AM
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#4
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Junior Member
565 posts Joined: Sep 2005
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QUOTE(cheongxp @ Oct 29 2018, 11:45 AM) Wish to get some advice from you guy. You know what, it's not like that only. This outstanding amount shown at my personal AKPK Profile was included interest charge before I enroll AKPK right ? Example : Acct 1 : Outstanding RM2,460.77 / Monthly RM40 My AKPK term was 9.5 years RM40 x 9.12 x 12 = R4,560 RM4,560 - RM2460.77 = RM2,099.23 was interest for overall 9.5 years If I manage to get some fund to settle, we can ask bank to offer some discount from RM2,460.77 right ? Btw previous I did saw some post about each Bank officer contact person for AKPK, can someone share the latest list ? Finally got some special income to settle 30% of my problem, wish to clear asap to save the 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. |
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Nov 9 2018, 01:37 PM
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#5
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Junior Member
565 posts Joined: Sep 2005
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QUOTE(MakNok @ Nov 9 2018, 01:04 PM) Double interest? Take my mine as example,Sure bor? 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. |
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Nov 9 2018, 04:35 PM
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#6
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565 posts Joined: Sep 2005
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QUOTE(MakNok @ Nov 9 2018, 03:23 PM) got proof kah? Sure got but I reluctant to share my bank statement. Already called bank to clarify, it said that is the interest. this is 1st time i heard about double charges Bank: Citibank and RHB |
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Nov 23 2018, 04:31 PM
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#7
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565 posts Joined: Sep 2005
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QUOTE(Kiefer @ Nov 10 2018, 08:26 PM) Did you go back akpk to consult consultant?? Called to AKPK to clarify, AKPK officer told me to just ignore the statement or extra charge by the bank. According to him a lot of customers complained this and they already informed to the bank but still the same issue. The monthly installment we paid to AKPK is inclusive of interest. I have told the same thing to the bank (RHB) but the lady keep insist she is right, bank will impose interest on every loan, so at last i told her i will follow what AKPK guy told me. As you have the akpk interest rate that banks agreed with akpk for your contract. That's my view |
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