Question :

1. I even called each pf the bank they wont able to reveal the amount owed under this program all subjects to AKPK consent
ANSWER : Call Collection Dept every bank except Standard Chartered (Redemption Dept) ask for actual amount to do earlier settlement.
2. How do I make my "normal" payment pre-akpk again? I have almost couldn remember what was the outstanding amount since some of the bank didn't send me statement anymore
ANSWER : Have you skipped from AKPK ?
3. What will be the arrangement and rate upon exiting AKPK. Afraid the banks will still imposing me late charges la penalty you know la they have so many reasons to inply anthing when u are not backed up by AKPK.
Exit from AKPK once you have make full settlement every banks , they would update automatically and would remove from your akpk dashboard
My experience (most banks sent me release letter within 24 hours except SC took 2 weeks)
1. Call Collection Dept every bank except Standard Chartered (Redemption Dept) ask for actual amount to do earlier settlement.
2. Pay over counter or pay online (depend on their procedure)
3. Inform them once payment has been made
4. Ask for them for release letter via email and original would be posted to your current address.

Normally once full settlement has been paid they would inform AKPK and would remove from your AKPK dashboard

Yes. Really slow. 1 bank even put the status Rescheduled Credit Facility upon me exiting AKPK. Last time when i checked with this bank they said the original loan has been converted with new term now it seems the status is different. Guess they wont easily tag u as clean as before upon you graduated without full settlement. Dunno whether this will impact my future borrowing. For sure it has.

Anyone manage to get waiver rebate from alliance bank on personal loan?

guys,

need your advise seriously.

i am losing my job.

if we lose our job, can we tell AKPK ?

will AKPK help us ?

will AKPK cancel our account if they knew we no job ?

i already got isinar.

but i have family to feed, kids at college, mom depending on me.

haiz....i am feeling to kill myself...i am feeling so helpless...seem like no hope in front of me....bad thing keep coming to me non-stop.

if i die, at least my family can get my life insurance + my epf, it is better.

i want make early settlement but bank say no release letter and the account will auto close in 6 months after settle. Is that true? I asked if no release letter then how to show AKPK i settled. He replied 'you try ask AKPK'.   

Will AKPK accept payment receipt as proof of settlement?

good luck with the return call. Its been a month now and I still havent received any calls from them. 

so u get called already? how long does it take?

Can someone share their experience?

After graduating from AKPK, gotten the final settlement letter from AKPK and banks, what is the next step? Do I need to check in CCRIS or etc?

And... any idea how long do should i wait before i try applying for credit card (to build profile)... before i can apply for car or house loan?

Just graduated from AKPK, after 4 years of enrollment

Reply
1. I never heard that a such thing of bnm outsourcing agent. ONLY you yourself can apply AKPK. No one can apply on behalf of you.

2. Not sure still the same process. This is 10 years ago process...i think so somehow like this...
a. I call up AKPK to make appointment. The officer willl give u a appointment slot. U need to go there personally. Not sure now.
b. AKPK personal will request you to fill in Slip Pengesahan Temujanji. In the slip pengesahan temujanji.. have to fill in personal infomation, statement of income and expenditure. Your loan detail (housing, overdraft, hire purchase, credit card and others.
c. You need to prepare all all lastest credit card statement and all loans statement. Bring original and photocopy 1 set of each.
d. You will need to go through 2 session face to face. 1st is seminars on AKPK class to introduce you what is AKPK and so on.. 2nd consultation with officer to helps you how to restructure your payment.
e. The officer will contact bank for restructuring plan upon your agreement to enroll.. this take few days.
f. The officer then via call,email. Enrolled you on AKPK program knows as DMP acct. Your DMP acct is the one you need to pay monthly then the pool of money will distrobuted to the rest of the loan. Normally DMP acct is your IC# and need to key in your contact number. I pay thru Maybank online under AKPK or in Maybank Cash Deposit machine.

All this process in around a week if you hv all the document ready. Dont worry the officer is very very helpful.
Please note.. the process might already change but it should somesort like that.

Do your previous AKPK have CIMB loan acct too? That is fast. You must be a good pay master in other loan. Some said need to wait 6 months after cleared from AKPK to get your score nice before can apply CC. Seem like once cleared can apply for CC and loan.

Hi guys. Any discount if make fully settlement payment? For cc and pl? Maybank and rhb

I tot once you enroll into AKPK, you won't be charge late payment fee ald.. Arent?

Hi, may I know how long does it take for our account to be cleared of AKPK after we are out of the program? And anyone has been successfully got approved for home loan right after? And within how many months after you got the release letter?