Comments on: Don’t be a credit card debt slave

By: Wang

Wang — Mon, 26 Oct 2009 07:59:52 +0000

When i started working in 2007 July, i was getting paid around RM1800 and i managed to apply 3 credit cards. direct accesss RM 6k Eon Bank 4k and Maybank 4k with Zing touch n Go attach to it…so when i use touch and go up to less than RM50 credit…it will auto credit charge to my Maybank credit card. i was using it madly mainly bring gf to eat in expensive place. bought handphone for her bought facial package to her…and stuff…by the time 2008 october…i have reach my credit limit for all the 3 cards which is 14k. even my next job was paid 2.2k i cant even afford to paythe minimum for the cards as i have rent and i was then still love drinking. I was really worried as when i wanted to buy a new car, i was being rejected from bank. to certain extend i was avoiding calls from bank ..warning letters that sent to my house…my dad keep questionins me and stuff. I was in deep shit.

Till one day…i borrowed RM 1000 from my fren for normal expenses when he transfered the money to me in Maybank, i couldnt withdraw it out…when i call the bank…they told me my saving account has been frozen till i clear which was RM 4820 as i didnt pay for about 6-7 months the interest has gone up to 820 more….i have to use the 1000k my fren lend to me…so i beg another of my fren to lend me 4820 to clear that maybank card in order for me to withdraw out the 1000K . I was beggin like hell. like a beggar…really no pride. and i promised him i will pay him back in 5 months time. which is 1k every month. and then i have 2 more cards left. 5200 for eon and 7200 for direct access cimb… same thing…they called and i am avoiding thier calls….till one day..a malay guy called from cimb told me he could arrange some settlement for me….he said he could stop the interest and pay him 300 everymonth for 2 years. and at the same time a gal from Eon bank call me told me to pay rm 400 everymonth for 1 year….interest are all stop….now i left few months more to clear my last CIMB direct access card… I told myself i wouldnt want to apply credit card anymore as i know my money management is really bad….so relief now for not owing money.

By: ahmad

ahmad — Mon, 27 Jul 2009 08:45:05 +0000

btw, this is not AKPK thingy. This is private company dealing directly with bank. Not Along company also, many has resolved their debt with this company.

By: ahmad

ahmad — Mon, 27 Jul 2009 08:43:51 +0000

Hi!

I knew it is difficult to settle the debt but rest assured that something can be done. My wife has reduced her monthly payment to amount that we can afford to pay and paid off the debt (about 10K) in 36 months. If follow the normal payment structure, must dies lah to pay off. Restructured payment (and can still use the card but with control-lah) is the answer. If interested to know, let me know Ahmad 0192445118 or email me.

Thanks.
Ahmad

By: GEE

GEE — Fri, 12 Jun 2009 08:24:51 +0000

yap sure AKPK…
after that.. u can never use yr credit card AGAIN!!!

By: gking

gking — Tue, 17 Feb 2009 22:16:20 +0000

Speak to AKPK . Its a govt organization which will help to restructure the loans.

By: tan

tan — Wed, 11 Feb 2009 02:39:21 +0000

i hav a friends can help to solve the credit card debts, friendly speaking she is NOT ALONG !………

she was doing credit card restructuring .

my credit card debt is solve by her…………i have 3 credit card in hand before that i even cannot pay the minimum because is too high for me. after my friends help me restructure the interest from annual 18% drop untill 6-7% per annum and is fix no more daily rest and other nonsence……..

you can contact this number 0162117691 for further info.

thanks

Tan

By: jacky_79

jacky_79 — Thu, 15 May 2008 13:02:25 +0000

i currently have credit card debt…..sometimes credit card really helpful for emergency cases!!
few months ago, my parent need a huge money for surgial, i spend about RM 4000.00 for paying bills(by credit card).
now i stuck……i affraid i will be “saman”

By: Jee

Jee — Sun, 16 Dec 2007 15:35:15 +0000

I am not sure if we have a free service to help these debtors in M’sia.

By: gob smacked

gob smacked — Sat, 15 Dec 2007 22:38:55 +0000

Are there any help or legal advice that the debtor can seek in Malaysia to help those poor sods..like a citizen’s advice bureau which offer free impartial advice?

By: Vincent Joseph

Vincent Joseph — Sun, 14 Jan 2007 07:25:00 +0000

Dear Friends

Noted your credit card problems, currently working to solve everyone problem in Malaysia having Credit Card Debts.

Be assured, within 1 years time, you will be freed from your Credit Card Debt.

Targeting atleast 10,000 each year to be freed from Credi Card Debt

Best Regards
Vincent Joseph