Noted all your advise, i have all the release letter from bank and have forwarded to AKPK and i called up today, they say two more bank they have not close account should be able to close everything next week. I'll try to apply personal loan after that. Thanks for the advise bro.

I'm currently under AKPK and still have many years to service my debt.

However, due to work related matters, I needed a car to move around.  I wanted to buy a second-hand car & I need a loan of RM30k to finance it.  I approach a couple of banks, all were rejected.  The last and final bank I went to, check the CCRIS and obviously my name was in it.

I explained and showed to the bank that after servicing the AKPK monthly installments, I can still manage the car installments.  The bank reviewed my case, was very helpful & based on the fact that I have worked in my current company for the past 20 years & my salary will be stable, the bank approved my car loan of RM30k to be service for 7 years instead of five years. 

I am very grateful for the very kind bank officer who took the time to review my case and did not chuck my file into the tong sampah like the rest of the bank I went to before them.

Guys/Gals... if business got alot of hutang which previously pajak the house to do business and now very hard to bayar hutang, you think can go to AKPK for advise?

Somehow your experience may not true. 5years ago when I first join DMP and I apply CIMB hire purchase loan, they called up and informed me due to my DMP with AKPK the interest rate is higher than normal, end up the loan get approved. That time I have 2 CC from CIMB under DMP.

As I check with AKPK, BNM will update CCRIS 15th every month. So the best is to apply your loan by next month.
But AKPK also strongly advice to wait at least 1-3months(cooling period) before applying new loan.

I don't know, but I print from Bank negara. thanks, hope you can back to "debt's free life" asap.