I have credit card outstanding with total of rm6500. 3 mths ago bank did offer me a repayment scheme with rm200 and rm150 for the 2 cards. I have started to pay accordingly. Should i go for akpk to get a lower repayment? I have financial problem recently where i did not manage to pay for the requested amount. Pls advise.

hye guys,good news to all,after had full settlement with akpk about 46day,now i get my first personal loan with the same bank.maybe im a lucky person.

As long you under AKPK.... No more bank loan at all.
If you say your financial getting better.... Why the need to have another  loan to pay AKPK?

What got him/her into AKPK in the 1st place?
CC right?

Hi peeps.

Just curious to know - how miserable a person's life can be if have account registered with AKPK and bearing the K or Special Account status, listed in his/her CCRIS?

It sounds like AKPK can be a good avenue for financial management, but with all of these tagging and alike - sounds like something that can heavily backfire a person too if seek for help from them.

Do correct me if I'm wrong though. Just thinking with high level of skepticism since it is widely promoted to the public.

Once you go AKPK, you will face difficulty to apply for new loan from local bank (even after you have paid all your AKPK commitment). If you are not planning to get new loan then no problem.

Hi guys, I need some advise and help. I had several CC debt around 25k and missed 10 months payment due to jobless and some failed investment. But right now I'm able to do settlement in one time full payment for all the debt. I would like to know can I ask for waive on interest or some other agreement like letter of release from banks?

What do u mean its gone?
There is evidence trail at ur statement state that the 42k is used at which shop/online.

Yes. U are correct. The issue hw i owed 42k is too long to explain and its not the main issue under this topic. And yes if i want i can go to dispute it. But there is a mistake on their side and there is also a mistake on my side, which i decided to owned it, and why i said its my debt to pay. Hutang is hutang and which is why i said im willing to pay for it.

The problem is they want me to pay in lump sum, even when i repeatedly told them i can pay them 5% or more from total balance left every month,but not lump sum at 1 time lah. Believe me i already met with them and each time i go different staff said different things and then there is their CS that keep calling asking to pay in lump sum. And this not even counting the sms and emails.

I'm not running away from my hutang. Im willing to pay for it, but not all 42k lump sum. Tried to negotiate with them but still no solution and all it did was delaying this issue further. this all happen within the span of less  than 2 months, and the 1st month I already paid 5% following their staff's advice at their branch. But it seems they are not satisfied with it and still want me to pay all sekaligus.

The funny thing is one of their CS who called me actually suggesting me to go to akpk.

And after some advice from people i know and i did some reading here and there, i decided to go akpk. Yes the term is long and i cannot get any loans. But it is fine by me, just gonna save some cash to settle the debt early then im good to go.

Honestly if the bank willing to negotiate and restructure my debt when i go to see them, i will be able to settle it within less than 4 years with the 18% interest. But as they keep forcing me to pay sekaligus, so now with akpk its only rm500+ for 10 years and a much lower interest.

just out of curiosity, did your friend that owed 10k cc had the scenario in which in which the amount owed is abt 8x over the approved limits?

i think the bank will call for lump sump re payment since that was an oversight and lapses in their SOPs on the setting and control of loan limits

Hi, hope u all can advice on matter below, thanks

Scenario is like this
1. My uncle is akpk but still serving akpk loan

2. Can he transfer his house (fully settle) theough MOT to his children? Insolvency will trace & pull back?

3. He planning to do MOT transfer his fully settled property to his children and go bankruptcy

Pls give me some advice as it is really urgent. Thanks again

I totally agree fam.

:thumbsup: good theory....

but what if i have so much cash in hand and to maximize my income i would just let you pay me back next month while i earn the agreed interest term. 

then get yourself prepared to be blacklisted in credit reports, be prepared to be have your asset garnisheed and also bankrupted.

i won't have to accept the renegotiated terms....your failure to comply with the agreed terms of loans will be subjected to legal consequences as stipulated in the legal loan agreement.

for i think, they have read many postings of forummers mentioning that they got discount for doing that