I had calculated the amount to be paid through AKPK - and it is totally lower than actual. I believe that - those who already had a problem to pay a monthly to the banks and always received a call form Collection Department or appointed BANK AGENT, - their name is considered already BLACKED. No banks will allow them to apply loans / credit cards due to bad payment history. AKPK is a trustful company as their office is inside Bank Negara building. But, we dont know where the [xxxxxx name removed] Partners & Co company. People may just set an office at home with one telephone line to make a money by harrassing people to make a money. In this connection, AKPK is a wholly owned subsidiary of Bank Negara Malaysia, set up to provide financial counselling and debt management to individuals as well as financial education to help individuals take control of their financial situation and gain peace of mind that comes from the wise use of credit. AKPK’s objectives are to proactively ensure that the household sector continues to be resilient by providing an avenue for individual borrowers and potential borrowers to seek advice and assistance in managing their finances and debts and at the same time promote a sound and robust banking system. This will be achieved by creating awareness of the services offered by AKPK to enable all those requiring its services to reach out to AKPK. AKPK offers the following services: 1. Financial education on the responsible use of credit and basic money management skills. AKPK’s financial education programmes include: Ad-hoc tailor-made talks and briefings to various target groups including all social groups and organizations; An encompassed structured strategy on Personal Financial Management education through AKPK’s Financial Education Blueprint that will determine the current stage of financial literacy and our plans to bring financial literacy to a more desired level to all segments of the Malaysian population; 2. Counselling and advice on financial management, including financial budgeting to manage expenses; 3. Debt management programme to assist financial consumers to regain financial control. All services are provided free of charge. Individual borrowers can seek AKPK’s assistance in rescheduling or restructuring their housing loans, hire purchase loans, and personal loans from, or outstanding credit/charge card balances due to, the financial service providers under the purview of Bank Negara Malaysia. Through AKPK’s facilitation, debt management plans are devised to assist borrowers work out budgets that will help them meet their loan obligations and living expenses, thereby minimising any incidence of non-payment and averting foreclosure of their homes. Consumers who approached AKPK for assistance are from all walks of life. In most cases, the factors contributing to their indebtedness and inability to repay include poor financial planning, ignorance and lack of financial discipline to live within their means. There are also borrowers who have been affected by unforeseen circumstances like health problems, death of a breadwinner, loss of employment and business failure. Incorporating consumer education into the agency’s programmes will help to improve the functioning of the financial sector by creating more financially astute borrowers and promoting good payment and repayment culture. Increasing consumers’ financial literacy can also foster their appreciation for the need to save, which serves as the basis for wealth accumulation, preparedness for financial uncertainties and comfortable retirement. ONLY COLLECTION AGENT REPRESENTATIVE WILL STOP PEOPLE TO SEE AKPK BECAUSE THEY ARE MAKING MONEY. 21 Jan, 2011 14:12:29
Posted on: Mon, 29 Jul 2013 09:33:03 +0000
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