Before paying, separate three things: the company’s service, the lender’s actual agreement and any claimed connection with AKPK.
They are not automatically the same arrangement.
Start with the help available directly
The Ministry of Finance confirms that AKPK provides free financial advisory services. You can approach the agency through its official channels before deciding whether to purchase a private service. Read the MOF information.
Use the official AKPK website to find the appropriate contact route.
A private company charging a fee does not, by itself, establish fraud. It also does not establish that its proposal is approved by your bank or endorsed by AKPK.
Ask what you are actually paying for
Request written answers to these questions:
- Who is providing the service, and who do they represent?
- What is the full fee, when is it payable and what are the refund terms?
- Is the proposal debt counselling, a new loan, or a repayment arrangement with existing lenders?
- Which creditors have agreed, and can you verify that directly?
- Does the new arrangement leave any debts or charges outside the quoted payment?
If someone claims to represent AKPK or your bank, confirm that independently through the institution’s official contact details.
Do not share banking passwords or one-time security codes. Do not authorise an unexplained card charge because somebody says it is required to begin negotiations.
Discuss the consequences with the right institution
Before joining or changing a repayment programme, ask which debts are included, what you must pay while an application is pending and how the arrangement affects your repayment record and future borrowing.
Do not assume every facility is covered or that making an enquiry means an arrangement has been approved.
If you already have a programme, discuss proposed changes directly with the organisation managing it before stopping payments or switching to an intermediary’s plan.
Keep a property sale as a separate decision
You may not need to sell a property to resolve the problem. Start by understanding the available repayment assistance and your actual budget.
Discuss your property and deadline
If selling a property becomes part of the plan after reviewing your repayment options, tell Sell House Now your cash deadline and property situation. We can review a possible sale route while you confirm debt arrangements directly with the relevant institutions. Keep the sale decision separate from any debt-counselling or repayment arrangement.
The initial conversation and evaluation are free, with no obligation to accept an offer. You can also WhatsApp the team on 016 675 8378. A possible sale price and timeframe depend on a review of the property and transaction.
General information only. Confirm proposed arrangements directly with the relevant lender or agency.