hi, i just registered to this forum just to post this out.
I am 22 yrs old and currently working at bank negara. income 2200
the problem is currently I have these debts :

Car loan : RM390/ month

Personal Loans :
Bank Rakyat RM15k
Bank Islam RM24k
RHB 5k
Previous company koperasi RM16k

these are excluding interest.

I've missed to pay all loans for 5 months, except car loan.
I think i am in serious trouble and about to seek AKPK for helps.

These loans are due to my immature behavior, starting my first job at 21, spending a lot on shopping, entertainment and try to start a business which going nothing...Im still young and i am worried as i have a long journey to go.

Shud i go for akpk?
If i am in akpk programme, can i apply for gov housing loan (as im working in bank negara)

As i posted this out on 31st dec, which means i really want to start a new life, financial freedom.
Thanks in advance.

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.