Saying is easy.  If they don't have job.. no choice la..  I heard that too from friends' friends... why la akpk.
They have not been there, so easy to say.  Die is easy too.  if wanna bankrupt.. go bankrupt with few billions !!
When things get worst.. who kena !!! family members.

Banks will come racing to you to take everything.. not just from you, but from your sis, bro, mom, dad, grand monther, great grandmother, even the one who RIP too.

you owed them, let's say 100k, in the next few months, it suddenly become much more !! penalties, lawyer fees etc.

Bankrupt will be worsen, just open saving account also susah, working in corp cannot.. some even not hiring !!

Again, talk is easy as they have not seen their family eat grass before !!!  It is your life, you make the call.

If i want to check my debt balance, should i check with akpk or with bank?... coz looking at bank statement, looks like they are charging interest as normal... Am planning to do settlement for some of the banks...do banks give some sort of rebate for early settlement?

Hi all, I’m having a total 150k debt, currently unable to manage my repayment and would want to look for AKPK helps. I’m working in Singapore as a Singapore PR holder, should I bring my Singapore CPF letter as I do not have EPF? Salary Bank statement needed?

what is the status of credit cards? are they suspended but we still need to pay fees (annual fee, etc)
or are they cancelled?

all canceled , no need pay fees

Called to AKPK to clarify, AKPK officer told me to just ignore the statement or extra charge by the bank. According to him a lot of customers complained this and they already informed to the bank but still the same issue. The monthly installment we paid to AKPK is inclusive of interest. I have told the same thing to the bank (RHB) but the lady keep insist she is right, bank will impose interest on every loan, so at last i told her i will follow what AKPK guy told me.

Hi All,

I have been with AKPK nearly 3 years now but when I check the outstanding I don't feel like it decreasing so much. Would it be completed within 7 years since my program is for 7 years? anyone have the same experience with me in the early years of the program? kindly advise pls all sifus.

thanks.

how do u check?

my maybank out of my request they suddenly email me the release letter and offer discount to me RM1005.

wow they really great... others never give such good discount.

if u wish to make settlement you need call maybank directly they can give u gd discount

if u wish to make settlement you need call maybank directly they can give u gd discount

Let say I want to pay directly to the bank for my CC, can I still do so from Cash Deposit Machine? Or can only pay thru AKPK?

If you under AKPK program....pay thru AKPK.
Unless
You want to settle one of AKPK debts....better walk in counter and settle on spot...

yes. u need directly call collection department and the outstanding figure
you may try to ask the full settlement amount. may be they will give u a good offer.

If lets say i have 4 accounts under akpk , i settlment 2 accounts directly with bank . Do i need to update to AKPK? AKPK will reduce the repayment automatically?