do we need to bring any document for printing our CCRIS report?

Went already today...talked to a Malay lady, Cik Liz.

She managed to give me a proposal with progressive payments for 10-years.

For an approximately RM140,000 debt, I have to pay RM1,200 for the first two years, then increases after that.

I think this is the last option for me and I'm happy for this finally...

Can a retiree age 58 years old enrol in AKPK if he got single credit card owe RM25k? And still earn some additional income declared in AKPK form? Can he get the max tenure till 10 years repayment ? Or need to provide guarantor to pay for him? Will guarantor's name be listed in AKPK programe, thus reduce chance of guarantor to get loan facilities while this retiree still in AKPK programme?

hi guys need your help here. I'm currently work in an oversea bank and thinking to take akpk, would it affect my confirmation or will the bank terminate me if they found out that i'm in akpk ? many thanks  =)

I'm in AKPK program 2 months ago.

I understand from AKPK that the banks will issue letter confirming the details of my installment.

However, I have yet to received any.

Could anyone post a sample of such letter so I could plan my budget for the next years ?
I'm really  desperate here. Thank you

Thank you bro. But would they confirm me as permanent staff if my performance is up to the par. Not trying to doubt you bro, just want to know how you get the info. T
Many thanks 

did akpk open on saturday?

If u 1 month fail to pay repayment to akpk they will terminate your account or sent u a letter 1st?

How if we pay less than wat we should pay?juz for 2-3 month.but we still paying half of the amount

Coz this 2 month got some problem.need to told them?

Hi all,

Need your advice.

My friends owed few banks amounted to 60k ranging from overdraft, CC and personal loan.

Each amount varies from as small as 1.5k till 20k.

My question is; can my friend negotiate with bank to pay off remaining balance provided he have a chunk of money in hand?

E.G:

Debt balance A: RM1.5K

Debt balance B: RM3K

Debt balance C: RM20K

To what extend the offset amount can be discounted off through negotiation with bank? If yes; what department in bank can he look for for these negotiation?

Btw; he is already on AKPK monthly repayment scheme but I suggested that even with AKPK; those bank interest rates are kind killing the initial sum repayment off.

Thanks for you help.

hi guys im a student doing an assignment on debt management,
i was wondering if i were to enroll into akpk, how would they restructure my cashflow. can i know what will they do exactly?
if i were to have a 10k credit card debt and 18% interest rate p.a charged on a monthly basis. rm3300 salary and after deductions its rm2640, car hire is 525 and rental is 650, day to day living expense is 900.
if you are able to help me find out what can akpk do with these figures i will be very grateful  thank you in advance!

Hope someone here can help. If someone dies with debts (example: credit card and personal loan) and he/she has no asset, does the family member (spouse/children) need to bear the debts? Since unsecured loan like credit card and personal loan don have any guarantor or collateral..

Hi guys, currently owing credit card with personal loans amount to 50k

Credit card 25k
Personal loan 22k

Monthly fixed income abt 4k, with total amount min payment I can't meet it..
I am currently thinking to repay it for credit card first, then follow by personal loan.. means stop paying personal loan in the mean time..

Will there by any issue from the as for the personal loan? or should just go for akpk instead?

if not mistaken, some credit cards force people to take insurance so that if anything happen to you.. the insurance will auto pay off all your debt.
so based on this understanding, yes the family members need to continue pay the debt.

Hi JustJobe,

I am helping a friend sort out his finances.  Apparently AKPK helped him make an arrangement with the lenders but AKPK never sent him written confirmation of the repayment terms or receipts for the 4-5 payments he's made.

Do you know which department he should contact to get the repayment terms in writing and the payment receipts?

Any information would be much appreciated.

Dear all,

I settled all my AKPK in the month of June, I get my credit card approve by CIMB and OCBC in September.

I am getting my life back again with the banks.........

I have loan problem. Currently 2/3 of my salary is paying loans. thinking to turn to akpk for help. if i go to akpk, will i still need to payoff using 2/3 of my salary every month but with lesser interest meaning shorter repayment period? Or i will be paying lesser every month but with longer repayment period? if its longer period, how long usually akpk will plan for me?

Pls advice.

If I go to AKPK, is it a must I take up their plan or I can say no to their plan if I find not suitable? N if the plan is 10yrs duration, can i request it to be shorten by paying more? If it has to be a 10yrs plan n when I have extra cash, can I pay more to make the period shorter?

tq

After the counselling, the counselor gave me a reference number n said I need to key in the reference number into their website within 10 days. After tat when I 1st deposit money to their assigned acc, my program will start.

Does the program actually starts once I keyed in the reference number or I deposit my 1st payment? If is the latter, can I reapply AKPK in future although I keyed the reference number but didnt continue the program by not deposit money?

if i joined akpk, then can my friend or bro sub a card to me?