Any loan under special attention accounts, the outstanding balance usually will not shown in CCRIS report. Even when you want to check the balance at the bank counter, they will need to call the collector to know the details. Meaning that bank already passed your account to the collector agent. And although not directly blacklisted, these special attention accounts will be treated as blacklisted by other banks if you want to apply for loans. Banks will never approve your loans as long as those special attention accounts still there.

And what worst is you can no longer pay partially to clear your record. Example you only defaulted 5/6 months for each accounts, even if you pay back those 5/6 months in lump sum those accounts will still remain in that special attention account, and will not move back to upper row (normal loan accounts). You have to pay the whole outstanding amounts left in order to clear your CCRIS record. This special attention account also will bring down your credit score to very poor, normally below 400.

Maybank is rm1k plus / UOB rm600 plus / Citibank just RM100 plus  

since your job nature need a car, i think it would be quicker to have your car repaired than the time taken to process the getting of the loan and the arrival of a new car....
not yet take into consideration of getting into more debt and the cost of car depreciation.

hmm..
paid 16th at around 5pm++ for all banks and credit.
17th started to call them.

rhb - 18th removed from akpk. release letter within 7 days to home. haven't received them lah, ccris to be updated within 3 months. adoi.
hlb - 17th they said need refund for both account. straight went branch in the evening. 19th akpk gone and received my letters in my email
maybank - paid based on their discount amount( even after their discount letter expired). they said need approval. then 18th removed from akpk, 21st got no futher claims in my email.
sc-need redeemed and release within 14 days. 21st cannot see account in their web anymore. balance redeemed masuk saving. until now no updated in akpk.
citibank - called many times cannot go through. the cs said will email them and wait for their call. 18th and 22nd called again, same will email to their akpk dept to call back. then i sent email to their general feeback using web. twice. 24th they called said saw my email then sudah updated to akpk. letter needto wait their vendor to process.
aeon - 17h said in process, but until now no difference. akpk and the cc account still there.

haiz, i need those letters for my housing loan application. of course i know now is festive season. but then.. adoi. some bank will just email which is quick. some will send home. but then, adoi jugak again. coz even after updated my address with them long ago, some bank email letter still have my very old address.

need call them again to chase or expediate their process.

yes...  

actually you can think of akpk is like your debt consolidation. the bank still still need to make money. my akpk interest was 8% pa and 10 years plan. cc deb of course higher. but one of my pl is lower  than this.
but my mistakes was, i did debt consolidation, balance transfer etc which also rakes up some interest along the way. ppl say gali lubang tutup lubang. in the end, my balance masuk akpk is like, 1/3 just interest. if i knew earlier on, i would just wont do those kind of things, but terus masuk akpk.

with akpk, you pay lesser, at the same time you can build your cashflow back. you can pay partially, like snowballs method too, then quit akpk once you able to maintain the debts on your own directly to the banks.

wah, if like that try nego with the bank. if masuk akpk terus pobably it will take the balance like my case before. email the bank, ask for discount, coz u want to close the account. or ask for discount and convert to term loan.
but i guess you can try ask akpk consultant regarding this.