Can AKPK help us settle debts from credit service company? Or they just help those with credit card/personal loan from banks only?

Then, you are coming from a hear say....my comment come from a personal experience who had gone thru the whole process -being rejected once, then, appealed, then, enrolled in the program, then, make monthly payment, then, make few times lump sump payment, then at the end, discharge from AKPK....and now back to normal - owning credit cards, getting bank loans again.....

So, who is more accurate. 

Tell you, some banks are really dumb....when you dealing with them as most of them are young executives and dont know much more and always ask you to wait, want to refer to the boss....i have fecked them few times for dont know this, dont know that and the boss reluctant to come out......and the banks have such problem is Citibank, HSBC and SCB. They have made some blunders that when i threaten them to report to Bank Negara, only they become more serious and once i report the incident to Bank NEgara, and the BN officer also  feel and after complaining, miracle happen....all things settle very very fast, the bank officer even called me and explain that things have been done and it is not their fault actually, it is system's fault and bla bla bla.....