Banks keep chasing for payments

I am facing with 10 banks for the debts on credit cards and personal loans.
Although I had officially entered into the DMP of the AKPK, the banks would NOT stop calling my mobile, my office and my home for the payments, even if I sent, faxed the aknowledgement slip signed by the AKPK to prove my status. There are banks keep changing their officers to call you at different times of the day, they seemed NOT to know anything about my application with AKPK or they were pretending NOT to know. They would try to threaten by saying my application with AKPK would take months, it was only lawful to pay the current instalments. GOD, I had 12 credit card debts and 4 personal loans to pay ... if I was able to pay, I would NOT have walked into AKPK to seek for assistance. I told the bank officers my difficulty and I had committed my first payment with AKPK and I had left little for my survival for the month, well, at times the officer who called might accept your explanation, after a while or in the next one or two days, other officers from the same bank would call again, I had to repeat my story. I wonder why didn't the bank note or record my application status with the bank, I had black and white copies sent and faxed to them, I even told them many a times over the phone. I maintained my temper as I was on the losing end , I needed AKPK to negotiate to them , I would need the bank to approve my application of the DMP , Hence, I was patient to talk to the bank officers. The game of the repeated calls by the bank officers continuosly lasting for almost a month .. everyday , when the phone rang, I would note the number and got myself ready to answer to such unwanting calls , the phone numbers normally appeared as "private nos" OR "03-xxxxxxxxx" (with a chain of repeating similar numerals). I was really mind disturbed by these phone calls and had sleepless nights praying to have the AKPK application to be approved at the soonest.

Besides phone calls, I began to receive reminder letters and at the end I received some nasty letters from certain banks threatening to pass the debt case to their lawyers. It was real difficult to handle the bank , there were days full of worries. I was thinking would the bank sent some money collecting agents to approach me at the house during the evening ? I began to suspicious on vehicles and persons walked near to my house ... till now, no money collecting agents had come forth.

From the many conversations with the bank officers, I gathered :

1. Most of the banks seemed NOT really happy with the intervention of AKPK on the debts.
2. Most of the banks would think the processing job by AKPK would take months, they were NOT confident AKPK could approve an application within a month.
3. Most of the banks would try to recoupe even a month of the instalment.
4. Most of the banks are realistic , they turned from friendly to nasty when coming to debts, there is no mercy at all. I hated myself for believing in banks in the past.
5. Most of the banks took informations/records in favour to them and disregarded all other informations/records NOT in favour to them. I had sent and faxed AKPK aknowledgement slip proving my status with the application , the banks received the records however, they had been pretending NOT to know anything about the status.

Intermittently after receiving many calls from the banks, I began to call AKPK, of which I really did NOT want to bother AKPK before the promised 30 days' period, I was really living in fear and had no choice. Each time I called AKPK, the officer in charge was really kind to entertain to my phone by telling me NOT to entertain the bank officers and NOT to make any payment to the bank because I was already enrolled in the DMP and I had made my first payment, it was the responsibility of the AKPK to negotiate with the banks and distribute the sum of money I had deposited with them. Each time I called AKPK, I knew I would hear the same answer, BUT I felt confident and brave after the conversation with the AKPK officers. AKPK was just like a shield that protected my unrest minds.

I was living with threats from the phone calls from the banks and counter acted by ringing AKPK for a solution on the threats. I did NOT how long the battling with the banks would last . I could NOT sit down to concentrate on my work. Many a times, I was tempted to switch off my handphones and refused to answer to the calls from the banks, however, I still had to answer to my client's phone calls , hence, I had no choice but to leave my hand phone on all the time. I thought of not answering to the bank calls ( I could decifer the banks' numbers ) But I worry they would be annoyed and disapprove my application.

I noted the several advices from AKPK during the period :

1. DO not settle any payment with the bank once you were in the DMP plan.
2. DO not worry on the bank calls, the bank officers are doing their duties to call.
3. Write, fax the aknowledge slip from AKPK to the banks, tell the banks you are in the DMP plan.

Well, a hard 30 days' period of the process of the DMP ... never in my life bombarding by hundreds of phone calls with the same issue and content . The nightmare is soon coming to an end. I was instructed to proceed to make my second instalment and I was told my DMP was approved waiting for the official letter to arrive. Thanks AKPK for standing with me for the past month.

I stop for a while to ponder, if AKPK does NOT exist and I am currently facing with such an enormous bank debt, what can I do ? Will I walk to the end of the road ? I wonder ? I must admit at this juncture, AKPK had extended its helping hand and I had no second thought on what I would do ... I would NOT know, if without AKPK, I would still be in this world ??? A real thank you , AKPK !