My friend RM50k (cc+PL)
Salary around 2500
managed to get help from AKPK. Just ask..nothing shame about that.

imagine owe 170k......paying minimum 5% which is 8.4k
Under AKPK....only pay RM2.1k

i rather have the excess money as my backup funds..
and let the AKPK handle the rest.

which one to pay... i think you can opt to look at the interest % for all, clearing the ones that has higher interest would be better.  personal thinking.

on akpk reduction, yes.  eg. you have 2 accounts under akpk. RM1000 monthly (500 each).  if you cleared one, you pay just 500 to akpk after confirmation.
What you need to do is (timing is key).  after cleared with the bank, get the release letter, scan and upload in akpk portal for that accout as partial settlement. once akpk acknowledged, your repayment amount will be updated.

Get the latest statement (which they will recalculate for you) from bank before you cleared it.  from there you know up to which month your akpk paid.  there could be a case where you paid akpk, but did not reflected yet (eg the last month's).  Some banks will pay back, some banks just keep quiet.

the amount of pay back akpk will be reduce...

For UOB, how come they give u discount?
Intially how much u own UOB before add in interest?

Hi, I have an enquiry. Since I'd paid off CITIBANK debts. They sent me so call "statement" mentioned the figure that I'd paid.

Wanna ask, does CITIBANK give us a "Settlement Letter" instead of "statement" ?

FYI, during MCO - CMCO - RMCO, we can't upload thru AKPK Portal.
We have to email to them @ cust.adjsec@akpk.org.my

Just mention your name, your contact number and AKPK reference number will do. =)

Cheers!

you should try again.i had 30% off

update abit of my case. 

Hong Leong bank has fully settled without paying a single cent (but i guess i might overpaid less than Rm100 lah).

Citibank called me today and told me RM4500 for both ..as I request RM4000, So im ok with the amount. I had just transferred and settled the loan. wait letter (duno how long it has to be)

LEFT RHB, based on research in forum and cari forum, no people said RHB will allow discount. So I think I will just pay the remaining without asking anymore.. THat day the guy apa Nazir stands so firm , " Wont have discount even you write in letter "