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AKPK, debt issue, anyone got a question to ask them?
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mucklampir
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 Jun 25 2012, 06:44 PM
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Hi guys. Have to question to ask..
1) i read somewhere that when entering DMP i need to include spouse's income/spending as well for payment calculation purpose. So should i prepare the needed document (payslip, bank statetement, epf, BE, etc) for her too. By including her is that making her name in the programme too. Can't afford both being 'blacklisted' anyway..
2) can i use CCRIS statement to replace latest loan statement from each bank? Some of them go to my previous mailing address, so no copy. Can i get from the bank instead? How long does it take?
Thanks..
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mucklampir
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Jul 15 2012, 08:21 AM
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QUOTE(samsungXP @ Jul 13 2012, 02:36 PM) after u make appointment to meet the counsellor but last min u cant make so how?u still can make another appointment or they dont wan meet u again?my debt for pl and cc is around rm90k.i earning around rm5k per monrh.pay car loan rm300 and house loan rm400.my case akpk can help? ur case will be considered one of the easiest case of the day from akpk staff point of view provided u are not in legal action yet. Probably ur payment scheme will be 1k per month. Including car n home loan, ur commitment would be 1.7k per month. Still ok, positive cash flow. Try to get discount for first 2 years so monthly akpk commitment could reduce to let say 800/month.. |
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mucklampir
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Jul 15 2012, 11:48 PM
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QUOTE(samsungXP @ Jul 15 2012, 11:52 AM) why u say not in legal action yet?i ord received letter of demand ord coz my citi cc not pay more than 5 month ord i think letter of demand still ok.. Can try ur luck.. |
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mucklampir
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Jul 26 2012, 11:31 PM
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jb akpk is very efficient. Less than a month after joining class already got the approval letter. Few years headache gone in just few weeks. Never thought government dept could be that good. Thanks akpk jb..
Added on July 26, 2012, 11:33 pmjb akpk is very efficient. Less than a month after joining class already got the approval letter. Few years headache gone in just few weeks. Never thought government dept could be that good. Thanks akpk jb..
This post has been edited by mucklampir: Jul 26 2012, 11:33 PM
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mucklampir
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Jul 27 2012, 03:37 PM
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QUOTE(samsungXP @ Jul 27 2012, 12:02 AM) akpk repayment only 10 years max rite?
Added on July 27, 2012, 12:07 amafter u meet the counsellor then they will count how much u need to pay monthly.then they will ask u fill in dmp only and within 10 days muz make the 1st payment.juz wan to know the 1st payment amount will be the same amount for the continue month when your application approved?did akpk call u to confirm your dmp online application? when meeting them, they gave me an estimated monthly commitment. I asked for discount for first 2 years. So they reduced the payment. Right after meeting, immediately i fill in online application form and bank in 1st payment the day after. After that never follow up until on the 20th day after making payment the approval letter reach my doorstep. Payment as per agreed which is the 1st year same as the 1st payment i made before, then gradual increment for 2nd year followed by thereafter. Sekian, mekaseyyy.. |
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mucklampir
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Jul 28 2012, 08:43 AM
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QUOTE(cckiong @ Jul 27 2012, 09:45 PM) but after i went to akpk, they just ask me to fill in some form. They never ask me go fill in online application or go to bank to bank in. it has been almost 2 months now. what can i do? any master here can share. I am just the guarantor for my mother in car loan. the amount less than 20k i'm not sure they can do for already auctioned case.. if remember correctly if already auctioned they cannot do anything. did u try to call the agent? |
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