i just recently withdrawn from AKPK. Let me share my story here.

i have 6 debt bank, joint AKPK on year 2009. Citibank (3k), MBF (3K), UOB (3K) , MBB(5K), RHB (5K) and CIMB (5K).

During Jan 2015 when i check my latest outstanding amount only i realize that MBF over charge me 1k and RHB over charge me RM500. I write in email and call to Ambank( Ambank was took over MBF) and RHB and even walk in to their HQ try to solve the issue for almost 1 month finally RHB settled now and Ambank still pending checking.

So for all member who still in AKPK DMP please always check your outstanding balance as some bank will over charge you. And also remember when you plan to do full settlement, do call to bank request for discount/waiver.

And also when you dealing with AKPK, please give them at least 2 weeks working days as my experience recently was bad and email replied from their PIC was so rude. I keep sending email request them to check something for me but nobody reply and today i received a reply email from one of their PIC, below is the professional way on how the PIC reply:

Pls take note that we have thousands of customers to attend to and we need time to process your case. As instructed, we have already excluded the accounts which you have fully settled and a letter was posted to your address.

As for your concern on the over-charging by your lenders, kindly refer to them for an explanation. AKPK does not have any agreement with your bankers. The loan agreement is btw you and banks that lend you the money. AKPK did not give you any money and AKPK also did not help you to pay any money to your bankers.
[COLOR=red]

Last gentle remind, please keep the statement/agreement between you and bank so that you can have accurate outstanding figure when after few years you gonna do full settlement.

quit AKPK on Feb, and Jun apply a new cc which do not engaged before:

HSBC: Rejected
Hong Leong: Rejected
Alliance Bank: Approve