Discover how we’ve helped clients overcome CTOS/CCRIS issues, loan rejections, property caveats, money lender problems, and high commitments when other consultants failed.
At Mplus, we specialize in cases that most financial consultants avoid – clients with severe credit issues, high commitment ratios, money lender complications, or properties under caveat. Each case below represents a real client who came to us after multiple rejections elsewhere.
Through our deep understanding of Malaysian banking systems, relationships with key decision-makers, and specialized application strategies, we’ve consistently transformed seemingly impossible situations into successful outcomes. These testimonials showcase our unique approach to complex financial challenges.
Property Saved from Money Lender Caveat
1.
Mei Ling had borrowed RM120,000 from a money lender during a financial emergency.
2.
When she couldn't keep up with the exorbitant 12% monthly interest, the money lender placed a caveat on her property and threatened foreclosure.
3.
With an AKPK listing and 82% commitment ratio, five banks rejected her refinancing applications.
1.
We negotiated directly with the money lender to establish a temporary payment arrangement while simultaneously preparing a specialized bank application.
2.
We identified a financial institution with flexible policies for caveat situations and structured her application to emphasize property value and future repayment capacity rather than past credit issues.
1.
We secured a refinancing package that settled the money lender debt (which had grown to RM165,000), removed the caveat, and consolidated her other commitments.
2.
Her total monthly payments decreased from RM9,800 to RM5,400, and she kept her family home.
I was weeks away from losing my property to a money lender when conventional banks wouldn’t help. Mplus negotiated with the money lender while securing bank refinancing despite my AKPK status. They saved my home when everyone else said it was impossible.
1.
Ibrahim's property was scheduled for bank auction due to 8 months of payment arrears totaling RM48,000.
2.
With multiple CTOS records, an SAA status, and previous business failure, no financial institution would consider his case.
3.
Three other consultants had already declined to help.
1.
We negotiated with his existing bank to pause the auction process while developing a comprehensive restructuring proposal.
2.
We documented his business recovery with non-traditional income verification methods and secured a private bridge financing solution to address immediate arrears.
1.
Ibrahim's property was removed from auction status, his loan was restructured with we subsequently secured proper refinancing that reduced his monthly commitments by 35% while providing RM70,000 in additional working capital for his business recovery.
After my business struggled, my property was headed to auction and my credit was destroyed. Mplus negotiated with the bank to stop the auction and created a financial restructuring plan that not only saved my home but provided the capital to rebuild my business. I still can’t believe they managed to do what three other consultants said was impossible.
Refinancing Approval Despite 85% DSR and CTOS Records
1.
Ahmad had an 85% debt service ratio, multiple CTOS records for late payments, and had been rejected by seven banks when attempting to refinance his property to consolidate debts and fund his children's education.
1.
We restructured several of his existing facilities to improve his DSR calculation, prepared detailed explanations with supporting documentation for his CTOS issues, and identified three potential banks with more flexible commitment policies.
2.
We submitted strategic applications with comprehensive supporting documentation.
1.
We secured approval from two banks, allowing Ahmad to choose the better option.
2.
He obtained RM315,000 cash out despite BNM limitations by strategically timing personal loan settlements and utilizing specialized facility structuring.
3.
His overall monthly commitments decreased by RM2,400 while providing the education funding he needed.
With my high commitments and credit issues, I was told refinancing was impossible. Mplus secured approval in just 8 days, reduced my monthly obligations by RM2,400, and helped me access RM185,000 for my children’s education. Their strategy completely transformed what seemed like a hopeless situation.
1.
Priya had been rejected by five banks for a personal loan due to her 76% commitment ratio and two CCRIS records for late payments.
2.
She needed urgent funding for medical treatment but couldn't access financing through conventional channels.
1.
We restructured her application to highlight her employment stability and future income potential rather than focusing solely on current commitments.
2.
We prepared documentation explaining her previous late payments (which were due to administrative errors) and identified two banks with specialized programs for medical financing.
1.
Priya secured a RM40,000 personal loan within 7 days at a competitive interest rate, despite her previous rejections.
2.
The funds covered her medical treatment while our complementary debt restructuring advice helped reduce her ongoing commitments.
After being rejected everywhere and nearly giving up on my medical treatment, Mplus secured my personal loan in just 7 days despite my high commitments and credit issues. They found a solution when no one else could, and their debt restructuring advice helped me create a sustainable financial plan.
Escaping AKPK Status and 7 Credit Card Defaults
1.
Tan had defaulted on 7 credit cards with a total debt of RM128,000 after losing his job.
2.
He was listed in AKPK, had multiple legal letters, and his commitment ratio exceeded 90%.
3.
No financial institution would consider his application, and debt collector harassment was constant.
1.
We developed a comprehensive debt resolution strategy, negotiating directly with all seven banks simultaneously.
2.
We secured interest freezes, principal reductions on two cards, and conversion of the balances to term loans with significantly reduced interest rates.
1.
Tan's monthly obligations decreased from RM11,200 to RM4,300, all collection activities ceased, and we created a 36-month plan for complete debt elimination and credit rehabilitation.
2.
He maintained essential credit functions throughout the process.
With seven defaulted credit cards and constant debt collector harassment, I was considering bankruptcy. Mplus negotiated with all my creditors simultaneously, reduced my monthly payments by over 60%, stopped all collection activities, and gave me a clear 3-year path to rebuilding my credit. Their expertise was life-changing.
1.
Kavitha had a Special Attention Account (SAA) status due to multiple restructured facilities and a commitment ratio of 82%.
2.
She was struggling with 8 separate debt obligations and minimal cash flow after meeting these commitments.
1.
We created a comprehensive financial profile that highlighted her employment stability and strategic timing of her application to coincide with a small salary increment.
2.
We negro with bank to get discount to settle of his SAA account and structured a consolidation proposal that addressed all existing obligations.
1.
Kavitha secured a consolidation loan that combined all 8 facilities into a single, manageable payment.
2.
Her monthly obligations decreased by 40%, providing essential breathing room in her budget.
3.
We also provided a 24-month credit rehabilitation plan.
Living paycheck to paycheck with multiple debts was exhausting. With my SAA status, I couldn’t get any bank to consider consolidation. Mplus found a solution that reduced my monthly payments by 40% and combined all my debts into one manageable obligation. For the first time in years, I have financial breathing room.
Every client’s situation is unique, but our approach remains consistent: we specialize in cases others reject, leveraging our banking relationships, specialized knowledge, and no-upfront-fee model to transform financial challenges into success stories.
Contact us today for a free, no-obligation consultation to discover how we can help with your specific situation.