guys, i have a question.
how do i get the phone number for bank's akpk collection dept?

i saw post upthere that shows some phone number,
and i'm also trying to get citibank and aeon number.

currently saw numbers for hlb, maybank, sc, rhb above which i owes them too.

This post has been edited by Illusion20: Nov 22 2020, 10:21 PM

thanks bro.. trying to call them now

called liao.. thanks.

aeon- as per document
citibank - as per document.
sc - as per what u said.
maybank - as per forumer above mentioned. 03-20708833 ext 6856 / 6843
hlb - as per document
RHB - 0326106464/6463/6246

80k debt..huhu.. now trying to buy a house.
if have to pay service charge fee for professional ahlong service then pay je.. huhu.. in the end, house loan + PL 10 years. which is about the same or lesser than my current commitment.

hmm, i emailed out maybank for fully settlement and if possible abit of discount.

they gave me 3k as fully setttlement. my outstanding balance is 3800++
but then, need to pay within a week. adoi

i called them, they asked me to email
colln@maybank.com.my

hmm..
paid 16th at around 5pm++ for all banks and credit.
17th started to call them.

rhb - 18th removed from akpk. release letter within 7 days to home. haven't received them lah, ccris to be updated within 3 months. adoi.
hlb - 17th they said need refund for both account. straight went branch in the evening. 19th akpk gone and received my letters in my email
maybank - paid based on their discount amount( even after their discount letter expired). they said need approval. then 18th removed from akpk, 21st got no futher claims in my email.
sc-need redeemed and release within 14 days. 21st cannot see account in their web anymore. balance redeemed masuk saving. until now no updated in akpk.
citibank - called many times cannot go through. the cs said will email them and wait for their call. 18th and 22nd called again, same will email to their akpk dept to call back. then i sent email to their general feeback using web. twice. 24th they called said saw my email then sudah updated to akpk. letter needto wait their vendor to process.
aeon - 17h said in process, but until now no difference. akpk and the cc account still there.

haiz, i need those letters for my housing loan application. of course i know now is festive season. but then.. adoi. some bank will just email which is quick. some will send home. but then, adoi jugak again. coz even after updated my address with them long ago, some bank email letter still have my very old address.

need call them again to chase or expediate their process.

need to know before or after your due date, and if akpk has released payment to your banks.
if after, then the settlement amount you get form bank is the final one. usually if you have savings account with them, the will just refund there during settlement process. some like hlb, need to go branch and fill form ( and which bank to tf to) but since i have savings account with hlb, its just a matter of minutes of refund process.
if not, you have to contact akpk.

ya lor, today will call them again. adoi

actually not really a good thing. at first it was ok to be in akpk. then after 2 years i kinda stress and depress, i dont have any asset except for depreciating one. and all the excess salary, either pay for debt, or habis just like that coz i feel like fark it..
if i put my mind into paying, probably within another 2.5 years i can settle them all. but then. adoi. i dont want to be in this condifion anymore.
i cant do other things, all i could do now is just savings and pay akpk.

im taking my chances here, using ahlong, converting my almost 100k debt into a property. at least im paying for a property. if this process fails, then i have 100k debt in ahlong pulak and i probably have to run all my life..

This post has been edited by Illusion20: Dec 28 2020, 09:34 AM

already gone for it lah bro.wish me luck huhu.. need another 1.5 months to settle this process including the property. once settled, then i would be paying only to the banks. if cannot settled, then i have to find bank to loan for at least 70-80k.
at least the banks interest for private worker like me still below the 8% under akpk. in the future, i still can try to get a property..

actually no la, not really ah long, just a funder. but i called it ah long coz the terms in the agreements.. huhu..
3.5 years liao. 6.5 years to go.

no la, as long i working, i should be able to pay. since foreveralone.haiz.
my side income also growing abit. i cant move on since this thing has been dragging me.

actually you can think of akpk is like your debt consolidation. the bank still still need to make money. my akpk interest was 8% pa and 10 years plan. cc deb of course higher. but one of my pl is lower than this.
but my mistakes was, i did debt consolidation, balance transfer etc which also rakes up some interest along the way. ppl say gali lubang tutup lubang. in the end, my balance masuk akpk is like, 1/3 just interest. if i knew earlier on, i would just wont do those kind of things, but terus masuk akpk.

with akpk, you pay lesser, at the same time you can build your cashflow back. you can pay partially, like snowballs method too, then quit akpk once you able to maintain the debts on your own directly to the banks.

This post has been edited by Illusion20: Dec 29 2020, 12:19 PM

just now called aeon, the lady terus update akpk and my name were removed, and said by this week will send me settlement letter.

my scb also gone from my akpk. waiting for letters too.
now waiting for my surat.

rhb also.

but then then these are physical letters. have to wait this week end and if tak sampai baru can ask for email copy.
demn so long, i coudnt wait

wah, if like that try nego with the bank. if masuk akpk terus pobably it will take the balance like my case before. email the bank, ask for discount, coz u want to close the account. or ask for discount and convert to term loan.
but i guess you can try ask akpk consultant regarding this.

once you apply for dmp, they will directly take from banks. so its always your latest balance.

i dont think theres a way, either you pay in full everymonth, or pay minimum amount( which usually your interest will be normal).. even if you convert the balance to term loan, they will still charge interest.
some of the bank, like citibank and hlb, converting my cc to customer term loan ( but under akpk)


thanks bro.


hmm.

i thought whenever you under akpk,your cc will be cancelled. my mbb, aeon, and another one bank they zerorized my account. for other banks, my the cc was converted to PL or term loan. so no more cc.

haiz, postman tak dtg hantar surat for weeks liao. all my letters tak dapat.

rhb-called them on 28th, said if didnt receive after 2 weeks baru can send copy. so yesterday called them again, then received copy
aeon - called them yesterday but nobody pickup. today called said will ask for cs to forward.
citibank- yesterday called again. they said didnt received letter from vendor since before Christmas. in the evening received the copy through email.

when im writing this reply, i realizrd my standard chartered havent received too. called them, they said will ask collection dept to forward copy. need wait again. adoi

they actually said will send my house. and the email that they sent were scanned copy of official letters.
i need it coz i cant wait for my next process. time is money and bank will update ccris every 15th of the month.

just realized that some of my ccriss that says akpk, have been updated. now pending 3 banks . haiz.. itulah, bnyk debt from different banks..huhu

ya lor, dulu dont really think, but when reality struck, habis,. feels like i wasnt syukur before.

now i really don't want to be in this akpk and i don't want to be in this huge bad debt anymore.
i hope i can do it lah. i dont have a house, i really want my own place, so die die must get out of akpk. and now mmg in process of housing loan. my potong car sudah 10 years, but only used once in a blue moon. my big bike and kapchai finishing soon. so my hand mmg itcy to upgrade.

but need to tahan la. gonna take this year to save as much as i can before i get into debt again. at least i have lesser worries.

just like the other forumer stated, you will be officially be in DMP once you make your first payment.
meaning, there will be officer assigned to you. there are process to be done, and you need to accept the akpk proposal by making first payment(I got 8% interest). you need to choose what to add and what not to be added to your dmp list. if lucky, some cc wont be cancelled( because it wasnt included in your dmp list, so you have to pay yourself)..
just registering, probably will trigger some banks.

as of yesterday, my ccriss also cleaned. quit happy now.
gonna proceed with housing loan. but problem is mco. have to postpone. adui.