hi there,

~can i know akpk provide any short term like 3~4 years instead of 10 years ?

~ how about after summit the 4 years plan. Can able settle early ? does it hav any early charges or any hidden charges ?

but i think that was not so easy to apply back on t same bank.

due to my experince, last time i cramp with a bank in CC. Then i ask for reduce interest & freeze my card until t payment is finish.
End up they cannot reduce my interest, but they can help me freeze my card & pay until finish.

after i finish off the payment, i ask for a fully settlement letter from t bank (due with a prove that i already finish t payment )

after some time, i think after 2~3 years. I reapply CC from t same bank & they reject me. Not that, i Apply for they current account & they also reject me.
I check with t bank negara. My name is clear from everything. Luckly my friend work in this bank. He help me check & found that this bank has internal black list me. Then my friend help me appeal to t bank & show them t letter & my recent record of other bank. End up only my name clear from this bank.

So this was a lesson from me. Maybe u can apply, but i think it's was not that easy. Like my case they did not reduce any interest, that mean i keep repay back to t bank until it's was finish. They also blacklist me in they bank.

So be careful when play with this loan or CC. Hope this mesg will help u !

any i try this situatation before. Just i accompany my friend to AKPK. After he summited all t form. Then ask my friend to go back & wait for t 2nd appointment.

But they ask my friend to pay t restructure payment after 24 hours. Then my friend ask is it mean t restructure plan approved ? they say not yet, will meet again.

Q1) is it that mean t restructure payment approved already ? or after t 1st payment pay only consider approve ?

Q2) Wat if t restructure payment not approved, then t 1st payment how ah ?

Q3) my friend ask after pay t payment, do he need to pay to bank also, since they say not approved yet ?
Then u know wat they say...... They say it up to u ??


Ps if any 1 know or faces before mind to share ya.....coz now my friend really lost....