Try to call my AKPK personal councilor by the direct line

I have the direct line number of my AKPK personal councilor .. I tried to call several occassions today, BUT in vain, no one seems to pick up the phone. Was my personal councilor on leave OR too busy counciling on others ? Anyway, I will try to call again in the next few days .. I just want to find out from my councilor, what was the rate of the bank interest he had secured for me during the negotiation with the banks. Yes, during the counciling session as well as at the briefing session, I was told, the bank interest rate is 9%, however, my personal councilor did promise me to negotiate further for me in view of my enormous debt. I hope to have a lower interest ......

Who is your AKPK personal councilor ?

After attending the compulsory briefing course on Debt Management conducted by AKPK officers, interested persons can fix up an appointment to meet an AKPK personal councilor and apply for DMP to restructure the bank debts. The personal councilor assigned to you will be your "permanent" councilor, you can contact him/she whenever you wish to seek for clarification and counciloring. Hence, do remember to request a direct telephone number from him/her as you may NOT see him/her later. You will however talk to him/her over the phone. Don't be shy, you can call your councilor at any time if you have doubts.

Does AKPK fail anyone ?

If you ask whether will AKPK turn down one's DMP application ? Well, if one has attended the Briefing Session, followed by the personal counciling with the finance councilor, and an official DMP application form is given to him for action, I will think the applicant is half way through the successful application of DMP. If one is genuine with his difficulty in settling the bank debts, he will be given the chance of rescheduling his repayments of debts. AKPK will not fail you, unless you fail yourself ! When the official application is made, one must be equipped himself to answer to any query raised by the AKPK from the details picked up from the application form. AKPK will NOT call you if your application form is perfectly OK ..... AKPK will have the answer to the above question as whether has anyone failed to get his application approved? I will like to stress here that if one is sincere, his application will be approved for sure ! Good luck to ALL !

Are banks going to bear for the telephone bills?

Bank made hundreds of calls during the 2 months while I was awaiting for the AKPK DMP to be approved ? Are banks going to charge me for the telephone bills ? Have they got the right to bill me ? I did NOT ask them to call ... they did NOT manage to get a single sen from me although they had tried hard to threaten on me . I really do NOT know whether they will charge me for the substantial calls they had made. I shall wait for the next statement to verify ....

Banks are nuts really, I had told them I was already in the AKPK DMP, they still insisted to make unecessary calls ... in the end, I still did NOT fork out a single sen until the AKPK approval letter arrived.

Real nuts , Banks!

At last No more phone calls from the banks

Yes, greatly relieved ... for the whole of the week, I received no more phone calls from these banks. I believed AKPK's letter reached their hands, remember, I have 12 credit cards + 4 personal loans with these banks, a total of 10 Banks ! Finally, I can really take a big breath ... although, the future route is NOT at all easy, BUT, I see some light of survival for myself. I will stick to the payments laid down by AKPK and be punctual to settle the due on time.

AKPK had given me the first chance, I know I will NOT have the second chance.

2 months of continual phone calls from the banks, a sudden disappearance of such phone calls is really peaceful in mind and soul. I do NOT understand why Banks are NOT respecting AKPK's aknowledgement of one's DMP application ? Yes, Bank Negara has a good motive of setting up AKPK and the correspondant DMP to help those trapped with heavy debts, why didn't Bank Negara pass the law by barring the banks from going after their clients when they are already in the DMP ? It is obviously understood , one is in trouble, that is the reason for him to sign up for the DMP.

Anyway, I am over with the ordeal ... BUT I really pity others who are like me whom are still under the continual harassment from the bank, days by days ... I hope AKPK can do something about this !