My route to AKPK

Appointment for the Briefing workshop on AKPK : 23rd March, 2009
Appointment for the personal counciling : 1st April, 2009
Official submission of DMP application form : 1st April, 2009
Approval of DMP by AKPK : 29th April, 2009
Receipt of letter of approval : 15th May, 2009

From the day of attending the first briefing to the receipt of official approved letter, the process took 1 month and 3 weeks.

The first call from the bank : 1st April, 2009
The last call from the bank : 27th May, 2009

From the day of official application, I had been harassed by the banks for almost 2 months. I almost surrendered to the banks by borrowing money from relatives to settle at least one month's installment to the banks just to keep their mouth shut, however, I persisted to hang on with the dues ... It was a tough 2 months of dark days to bear with the banks.

Today is 29th May, 2009 ... already 2 days without any phone calls from the bank. I will have to monitor further to see whether any further calls from the banks by next week.