AKPK can only assist to negotiate on unsecured loans (CC, PL), any secured loan (Property, Hire Purchase) they will not assist

if enrolled akpk, will affect the employment hiring? if the employer perform background checking and account in ccris under akpk, will it affected?

i just enquiry about akpk program, not even join their program or even listened to their counseling, UOB straight block my credit card.

they says need akpk to send them letter that i am clear from AKPK,
so becareful if u guys want to enquiry anything to AKPK.

i never missed payment with uob card,
in fact i have overpaid rm 700+ currently in the card,
called UOB customer service,
the CS says because i liased with AKPK so they temporarily blocked my card,
i told them i didnt even join AKPK all i did was enquired about AKPK,

CS says even if i enquiry its in their record,
ask me to ask AKPK send email to UOB that i am clear from AKPK.

very troublesome as i didnt even join AKPK program.

then die lo... so many months.

I asked AKPK before about this matter. AKPK cannot extend the moratorium, but AKPK can help to reschedule your monthly payment to lower sum due to the MCO Covid-19. They did it for me, actually it is even better, because they reschedule lower sum for me for more than 6 months.

You may try call them to help you.

No point calling bank, bank will not help you, especially us.

mean you got hutang akpk not yet pay...

Meaning even i terminate AKPK, i still cant make loan? Need to settle all the debt first?

Yes! CTOS can view your credit rating. CTOS can also view that if you are eligible to apply loan / hire purchase / morgage etc. When you press "reward" it will show whether you can apply or not...

Hi guys, I'm new here. I've been enrolled in AKPK DMP since 2014 with around 200k credit card outstanding balance from 7 different banks.
Today, I have circa 104k balance to settle and I plan to fully settle them now.

Like many of you have mentioned in previous posts, the best way of settlement is to call up individual banks and negotiate a discount/waiver/deal.

So far I've managed to convince 2 banks - HSBC and UOB to offer some discounts for full settlement and I'm pretty happy with the outcome. The other 5 banks are either not picking up my calls or they are not offering any discounts.
I'll post all the details I have gathered, including the collection department contacts of all the banks. Hopefully, this information can help someone in the same boat as me. If you know a better way of getting a discount, please drop me a message or reply to my thread.

So here goes:

Cimb Bank
Collection Department number: 03-20352437 / 03-20288654
- Offered a settlement proposal of around 8% discount. I decided not to settle yet because I'm not satisfied with the offer.

Standard Chartered
Collection Department number: 03-79467888
- They don't offer any discount unless it's in special recovery where I fail to pay AKPK for three months.

United Overseas Bank (UOB)
Collection Department number: 03-27832047
- Settled with 30% discount. An officer named Faly was very helpful in the process of proposal and settlement.

Hong Leong Bank
Collection Department number: 03-79591888 - press 1 then 4
- I've been trying to call them for days, was put on hold forever... still unable to speak to anyone.

Maybank
Collection Department number: 03-20708833 ext 6856 / 6843
- They don't offer discounts on the phone but advised me to email akpk@maybank.com.my for settlement discount, which I did and haven't got a reply from them. It's been a week now.

RHB
Collection Department number: 0326106407 / 0326106406
- No discount available =(

HSBC
Collection Department number: 03-20757859
- My account was already under a special unsecured loan which doesn't charge interest nor fees, so it's a no brainer to settle this one.
I hope this information can help someone out there. If you know a better way of getting discounts from the banks, please reach out to me =)

Cheers.

Oh wow I totally didn’t expect so many responses from agreeing on someone’s post. Sorry if I’ve offended you or anyone else in this channel. I’ve clearly touched some nerve endings with my actions without giving it much thought at that time. Having a second look now does make me feel wrong for agreeing with the other gentlemen’s post. No heads shall roll! 

My initial post was intended to to help people like me to try and get some waiver or discounts from the banks. I had no intentions of bad mouthing the banks for not giving me the discounts. I take full responsibility of my debts and all I could ask from them is to waive off some of the interest that they’ve charged me over the years or if I’m in luck, offer a little bit more discounts.

Having said that, i hope we can stop the argument or sarcasm that’s been going on here.. let’s just focus on clearing our debts and help each other out yea?

And herein comes my point. So many people in this thread feels like it’s their right to get discount from the banks after screwing them over of their agreed payments for so many years. Already a beggar yet feel so entitled. Even dare to say heads will roll if the BOD found out their finance managers rejected a discount offer from a bad customer. Come on. Who do you think you are man? You are just a delinquent customer. You think you are the bank’s top customer?

I have been reading a bit and wanting to apply for AKPK. Few questions to ask:

1) When I'm filling out at their website, will the action taken immediate i.e AKPK to take over account control with the bank and slash off my credit card?

2) If not, will there be an officer to contact me first to clarify and confirm on execution?

3) My loans profile are as follows:
Personal loan : 280k
Mortgage : 553k
Credit card : 12k

Will there restructure the whole type of loan or only personal loan and credit card?

Thank you guys for the guidance