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 AKPK, debt issue, anyone got a question to ask them?

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unknown_2
post Dec 5 2014, 02:21 PM

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QUOTE(Desmond_wch @ Nov 3 2014, 06:11 PM)
Hi guys, need help here.
I plan to get personal loan to cleR up my name under alps. Will it possible? Any recommendations?
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do balance transfer la.
unknown_2
post Dec 5 2014, 02:41 PM

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QUOTE(halomalo @ Sep 30 2014, 11:46 PM)
Hi Guys,

I need some advises, i have outstanding amount of 23k with Amex Corporate Card, and found out that AKPK doesn't entertain this kind of card.

I'm planning to enroll in AKPK as i also have personal loans and credit card. This is the only way that i see fit. While i think it should go well for pl and cc, i still need to find a way to solve the Amex problem.

Appreciate if you guys can advise on this. I'm stuck. Thanks a lot in advance!
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23 is not a big amount, do a balance transfer.

if still need AKPK, after do balance transfer wit ur issuing bank, then apply AKPK.
unknown_2
post Dec 16 2015, 11:21 PM

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QUOTE(strongchicky @ Dec 16 2015, 07:28 PM)
I have 3 debts which are cc-13k, cc-2k, PL-19k respectively. I have not paying installments for almost 6 months, it definitely falls into NPL, special attention account in ccris, and interest keeps rolling.
Recently I received calls from bank collection department, which they claim, but I know they are outsource debt collectors, trying to "threaten" me to pay lump sum or more than a half of my debts (cc-13k). With the impolite manner, they "force" me to pay off in lump sum, or else will file me legal actions and say "don't go to akpk as they cannot help you, i have authority to block akpk to help you if you fail to pay off", such rude!!!

What I want to ask is:
1) they can only file me legal action to cease my credit facilities in ccris so that i cant get any from other banks right?

2) I dont own them much to 50k (heard that is new policy for bankruptcy ceiling?), still they can sue me for brankrupcy?

3) should I settle off with money borrowed, family or friends, negotiate with banks, or go for akpk?

4) god damn can I complain those debt collectors to BNM as they threatening me?
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since the ammount u owe is not too big, best i would say is seek help from the bank u owe. something like rayuan.

get in touch wit financial officer, they will transfer ur debt into a more manageable loan product wit lower interest & stretched repayment period.
most of the bank, they will giv akpk chance.
once the debt transfered into new loan, dun miss any payment.

go for akpk as ur last resort, if u really desperate.
once enrolled, u hav to cancel all ur CC, all ur debt will join into a single 1, where akpk will offer lower interest wit fix repayment period.
note: early repayment is not possible witout negotiation wit akpk.

then, miss a single payment, coz akpk very strict.
if u miss 1, u're automatically out of their program.

if u enroll in akpk, u'll get protection from them as bank can no longer chase debt from u.
inatantly immortal.
unknown_2
post Feb 24 2016, 12:28 PM

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QUOTE(Storathz @ Feb 14 2016, 10:30 AM)
Hi,

I would like to seek an advice from you guys.
I'm having a debt with AEON, roughly the amount is RM 8600~RM9000 for my motorcycle loan which already overdue for quite few years (and of course the account has already been sent to collection agency.)

I'm thinking to seek help from AKPK, but I also wonder if I go directly to AEON, will I get better repayment plan?
Does it necessary for me to seek help from AKPK? Because I went through few pages, all also having debt of more than RM 50,000 which is much higher than my debt.

TIA.  notworthy.gif
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AKPK suhd b last resort.
small amount, dun go akpk first.
bcoz AKPK will set fix payment for x years, & u might end up paying interest for long time bcoz u cant settle early without renegotiation.
also, ur cash flow will be severely tied down, bcoz u hav to cancel all ur CC, then u won't be able to get new loan until akpk is settled (not impossible but hard).

my advice is, ready a sum of cash first, example 3k.
negotiate wit AEON. it is a CC debt, nego to convert into personal loan.
offer to pay a sum at the beginning (3k), then the rest convert into a more manageable personal wit lower interest rate than current.
unknown_2
post Jul 1 2016, 09:43 AM

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QUOTE(nonameface @ Jun 29 2016, 04:28 PM)
hey, if a person has stopped paying for his debt through AKPK for few months, and AKPK decided to close his account due to that. is it possible for him to appeal to reopen his account again? and what if cant reopen?
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no, AKPK edi the last stand.

 

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