Hi all,
Do AKPK handles company debt case?

hi all,
this my first post..
wanna know if there is any solution for my problem..

i've 5 CC with total = RM 20k
then 1 personal loan = RM 15k
all above was apply at 2006.
after 1 year, 1 failed to maintain the payment..
refer to akpk at 2007 because there is no other option..
i've try to make loan to do settlement but failed..
only able to maintain @ akpk till 2008..
after that no payment made..
it is due to some misunderstanding in between me n akpk..
i decide to invest the money into some other stuff..
during that time i thought to invest the money such swiss cash & empay..
consequence is .. i loss all...
day 2 days come with no other side income..
what a shame..
alternatively..
is there anything i can do with any financial inst. to settle the problem?
fyi, i already out from akpk program..
i glad to received any comments.. no matter -ve or +ve

Dear all,

I settled all my AKPK debts in Jun 2013. I started to apply for credit cards to a few bank, some I never hold their credit cards, and it was still rejected my application? any one know why? I have check my CRISS record, it is clean, and only one home loan I am still serving.....

Some bank even directly decline my application online after click submission? Why is that so hard to apply credit card after AKPK life? Any AKPK officer here to advise?

Any good opinion how to get a credit card after AKPK full settled?

Please advise if any of you working at bank evaluating credit card application. What are the procedures and what can I do to make bank feel good with me? put in fixed deposit?

appreciate any good advices if you have.....

Pls enlighten me on that?!.....i.e. the "joint database".

If the underwriting person suspect something amiss, the unspoken practice is they will try to check with their contacts in different banks - verbally (no written confirmation) since it is against BAFIA. Else, what other "joint database" you were talking about since there is no "joint database" besides BNM mandated credit repository, i.e. CCRIS?? 

Especially when we are talking about consumer business which is mass market. So would they have the time to check every single applications with their other contacts in other banks?!... If Fraud then there is a "shared" information among the banks anti fraud unit.

not that simple....
if Credit card also failed then mostly housing loan also will get rejected.
Property price is so high now..if without housing loan how can we buy the house with cash???

Please check the facts before you spoke.

R u an ex akpk? Or you speak with your real case story?

My brother had paid off all the debts n exited akpk few years back. And now he got 2 credit cards n 3 home loans n he got no cable or connection inside any bank.

hey, if a person has stopped paying for his debt through AKPK for few months, and AKPK decided to close his account due to that. is it possible for him to appeal to reopen his account again? and what if cant reopen?

AKPK itself of course don't charge you even a single cent

those people who call you will charge you for their service fee.. i mean akpk officers.. some of them corrupt lo.. so they can guarantee ur application for akpk been approved[COLOR=red]

i bet you never experience it in real & prolly have no idea what it's all about.

AKPK service got any charges??

Hi guys
Need ur guys opinion whether to take akpk or not

My salary is RM6000..after all EPF SOCSO PCB left RM5200.25

Personal loan
MBSB loan RM533 mon for 25yrs
Bank Rakyat loan RM1540 mon for 10yrs

Car loan
Hong Leong HP RM784 mon for 9yrs

C.Card
MBB o/s RM14,000 limit RM12,000 overlimit
RHB o/s RM7,300 limit RM7,000 overlimit
AEON o/s RM12,500 limit RM12,000 overlimit
HSBC o/s RM7,997 limit RM8,000 almost full
BRRK o/s RM2,500 limit RM3,000 (inside got 24 mon 0% easypay installment buying gold)

UNIFI bill 30mbps RM180++ roughly
TNB bill RM150-RM200 roughly
DIGI pospaid bill RM150-RM180 roughly
Kindergarden for kids RM400
INSURANCE for kids RM200

And also;
Petrol cost
Car/motorcycle for going to work (transportation)
Toll and parking
Motorcyle nid to service once every 2mons
Groceries

1 have 2 sons which is 2.5yrs old and 2weeks old..both consume superb formula milk and diapers

Savings?? Try to calculate and tell me how much is it.lol

Hi guys, I have 4 credit cards and 2 personal loans.

1 of the credit card account statement is only RM100 and I am able to pay in full every month.

I also have no problem paying my 2 personal loans every month (my CCRIS record is clean)

My question is can I do Debt Restructure just for the remaining 3 credit cards while maintaining and using the other 1 credit card and also pay the 2 personal loans as per normal?

Thank You

thanks. really?

how about my Personal Loans? will be under AKPK too? even if I can pay my Personal Loans every month no problem

Still no bank.offer loan to akpk ? I just want to clear off my name under akpk. My financial getting better , pls...

Because he wants to use cc and now he can’t.

i have quite a bit of debt, can i opt for AKPK and still get loan / financing to start a business?

Yah, who can disapprove and don’t even let him apply?

This kind of thinking is what’s dangerous.

You’re still thinking of using loan to cover up another loan.

I submitted in the office on the 8th of Feb, then the office asked me to bank in before 21st Feb. Once I banked in on 18th Feb, AKPK site release the confirmation letter and the breakdown of payment with how many months you need to pay, how much to which bank, etc...

Although after that I am still getting calls from the banks for payments and statement show late charges and financial charges..2 days back banks called me for the confirmation letter. Today i got a new breakdown of payment document and it shows I need to spent lesser months to pay back.(which is good)

i BELIEVED AKPK will be a good start again for me!!!! Take back my financial control and spend wisely...

My total bad debts is around RM130,000...