you may need to consider for house refinance for cash out than pay off the credit card. It is not a wise idea to go for AKPK as their interest won't be as low as house refinancing.

Friendly advise , if you havent buy car or house better dont apply this program.
ur life pretty game over already.

Hi Kerabat75, thanks for your info sharing.

If akpk late pay to bank and it affect CTOS score, what can we do?

Can i know as well the meaning of blacklist by ctos?
How to know if we are been blacklist by ctos?

Thanks.

Hi Guys. Just attended the session this morning at their KL Maju Junction branch.Submit all the documents and were told that i will get the email within 1-2days to pay to their maybank acc. But right after 3 hours,i received the email of my enrollment to their dmp program. My question is,i will only be eligible into the program if i made the payment immediately within 10 days right after i received the email enrollment right?. Can delay more than 10 days?

That's on the monthly repayment. But at the end, does your friend have to pay the principal + interest, or principal only, or reduced principal amount?

What the dude said. AKPK is NOT there for you to absolve your responsibility of paying the debt.

You still have to pay the principal that you owe, they only negotiate your interest. If can reduce principle then everybody will just take 1mil loan and go AKPK la.

I enrolled into AKPK DMP and it helped me to structure my outstanding debts into more affordable monthly installments. My CCRIS record is clean with "0" non repayments since then.

However, I cant apply bank job due to AKPK status and feel depressed that I might loss a fantastic job that increases my salary substantially.

With current salary of about 5k, by any chance I can get a loan of about RM25k somewhere to clear off my AKPK debts?

Anyone can recommend legal and reputable licensed money lenders who lend to someone with AKPK status? Don't mind borrow with 18% interest annually from but please no loan sharks.  Tried JCL but only 2k approved. Thanks a lot.

I want to enroll for DMP under AKPK but I have a little problem with latest outstanding report. I have no more access to maybank2u. How do I get it without going to maybank? I am afraid to be hunted by the collectors there.

Yes, AKPK now can do housing loan too. They came to my office to give talk and counseling. I ask them if they can help with housing loan. They can but not only that housing loan, they reviewed all my debts and ask me to to pay all my maybank cc outstanding amount and close the account as I already use citibank ready credit loan. I was like, wtf?, I want to do housing loan only. They said cannot choose which bank we want akpk to help, or else other bank will query why akpk choose their bank and not others for this debtor/s

Hi all is there any second chance to re do akpk?