Dear All,

I have joined AKPK since last year October 2009. Many people still blurr about AKPK. I have better picture about AKPK. Let me
tell all of you my story.

I have a credit card debt nearly RM19K as of September 2009....it was accumulated since year 2002 (int/late charges/ legal fees about RM4K ) My credit limit was RM5k. After joined AKPK , my counsellor (nice lady ...hehehe) , consult with bank and after nego , the bank
agreed to give disc about RM9k.

so RM19K - RM9K = RM10k (new oustanding amount) and at 8% int per annum instead of 17.5% earlier.

after 9 months , i have paid RM1,800 (RM200 X 9 month) . Final Settlement as of today ...just called the bank ..is RM8,200
RM10k - RM1,800k = RM8,200
> after i have given appeal letter....they gave me RM7K as full and final settlement.


So guys if you really "no jalan" then choose AKPK as your savior. BUt remember ..itu AKPK only help one time...in your life.
and no bad payment after you agreed....payment must prompt.

And....normally you need 6 months or more(after final settlement) if you wanna apply loan (depend on the bank) ...never ask same bank you sangkut...cannot ler..this is what my counsellor and bank officer told me.

So i'm going to apply car loan after 3 month (with another bank which i got acc)...see what happen...

This post has been edited by hanza: Jul 11 2010, 02:36 PM

[quote=J'Daniel,Jul 9 2010, 06:55 PM]
I just visit AKPK for their briefing yesterday. Will meet up an important next week and decide if i were to join

Hi J'Daniel,

In you case, i would suggest u try to borrow money from wife/relative/frens/mum/daddy..etc...and settle all the CC . (if can't get personel loan from banks)

If you join AKPK, you have to cancel all you CC.

I have settled all my debts..credit card and HP.....in June 2010. I borrowed money from my wife for about RM15K and
made full & final settlement in June 2010. After that, i quickly write a letter to AKPK and tell my counselor to
take out my name from AKPK program immediately. (joined them Oct 2009)

On July 9, 2010, i have submitted car loan to banks ......will see what is the result next week...
if kantoi..it means i have to wait at least 6 - 12 months ....or 2 years...


Good News !!!

After made full & final settlement on 30-6-2010, Car loan apply on 12-7-2010,
on 14-7-2010 bank has approved my car loan....

It means... even i just quit AKPK about 2 weeks....bank still consider my application and succesfull

This post has been edited by hanza: Jul 15 2010, 12:12 AM