3 March 2009
By: S.Rajeswary
A friend of mine asked me an interesting question the other day. She was curious to know if her status as an applicant with AKPK will hurt her ventures for applying to a fresh PTPTN loan for education. I immediately set forth to get the answers, so I sat down and mailed AKPK. This was the response that I attained:
Thank you for your e-mail.Before financial institution approves credit facilities, they will look at the customer's CCRIS report. If customer is in AKPK's DMP, it is possible that FI does not approve the customer's new application for credit facilities due to the tagging in CCRIS (CCRIS shows that the existing accounts are restructured thru AKPK).Referring to your question whether AKPK's existing customer can get a loan from PTPTN, we would advise you to check with PTPTN as the decision is made by them.
Make Prudent Financial Management A Way of Life
Therefore the next thing that I can do is try to acquire information from PTPTN if this is possible. In the meantime, if anyone can feed me on the required information, it would be greatly appreciated.
Meanwhile, just to inform you guys, if you have any bad debts and you cannot cope with the stress, do feel free to consult AKPK. AKPK stands for Agensi Dan Pengurusan Kredit. AKPK is an agency set up by Bank Negara Malaysia in April 2006 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.
Hope to get feedback, if not I will update. Cheers.
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First and foremost I would like to give full credit to caitanya for her absolutely informative and superbly structured blog for our knowledge on education information which no other including the Education Ministry have initiated. I totally agree with Caitanya on the free education allocated for the less fortunate homo-sapiens in Malaysia.I guess now that the bitter Political situations in this country is not going to bother at all about the less fortunate younger generations in any way at all let alone the education line.
ReplyDeleteI am currently attached with AKPK in solving my financial situation. I very grateful for AKPK in helping me curing my most awful financial difficulties at one point of my life due to credit cards.
Somehow Caitanya excellent work you have done here. Now that I know where to look for the best educational information.
Caitanya you have my support.