yes.. AKPK do really can help ppl in restructuring their debts..... anyhow, AKPK do inform as long as you are paying them the amount stated, then you are out of problems.. but if you missed it, then all your debts with CC will back to normal and those legal letter will starts coming again... you can opt to pay faster, but not to them, you have to pay the "faster amount" directly to bank... which mean.. you have to pay AKPK and the additional directly to bank... by doing so, it will cut short your tenure with AKPK and clear off your name from CCRIS...

If you missed your payment, they will send sms as reminder for the 1st time. Then you should call up to your Counselor/AKPK for clarifications why you missed/delayed that re-payment. But this will not cancel your 1st reminder, and if not mistaken, upon 2nd reminder, they will look into the case and give official notice to you for the cancellation.

*i got my 1st reminder sms, but i did not missed payment, just that i din look into the agreement that the re-payment figures actually increase after a few years time.