Debt consolidation Plan

[Louis81]

u go ccs session no girls attend?

Must be PR

 

[Louis81]

This gen gals cannot be compared to last gen. Our mother generation.

 

[Louis81]

Bank use CBS or latest statement to determine the criteria of 12x?

 

[Louis81]

This justin from citibank say get manager to email me also never do

 

[Louis81]

lol...hahaha...that's very funny i went CCS but they are not miracle workers. Basically everybody wants to save on interest but what they stress is monk-like discipline in your spending. People like me want DCP cos no matter how high the interest is, at least a few years down the road, everything will be paid. And monthly installments still much lower than the minimum payments combined.
If you want CCS to help, everything must itemise montly. Macham toilet paper also must account for. Too restrictive for me.

Agree. Basically is to refinance all credit and instalment loans. But got no such refinancing. Instead is DCP.

 

[pororokia]

i dunno how ccs operates now but back in 2013, its really not that monk like discipline on your spending.

base case they still need to leave you a certain decent amount monthly for your expenses. but of cos if you got house then they will suggest u to rent out a room, or if u are married then they will suggest u tell your wife the debt problem and get her to share the burden abit.

i mean end of the day we hope the wife wont get to know lah. share with the cso the concern and try to work things out.

end of the day your debts will be cleared off after ard 4-5yrs.

my monthly repayment was around 1.3k per mth. started in 2013 and till now its still 1.3k per mth.

 

[pororokia]

lol...hahaha...that's very funny i went CCS but they are not miracle workers. Basically everybody wants to save on interest but what they stress is monk-like discipline in your spending. People like me want DCP cos no matter how high the interest is, at least a few years down the road, everything will be paid. And monthly installments still much lower than the minimum payments combined.
If you want CCS to help, everything must itemise montly. Macham toilet paper also must account for. Too restrictive for me.

no lah i'm serious.

come to think abt it, to go into debt due to gambling is really foolish, we dont get anything in the end.

if go into cc debt due to luxury spending, at least maybe we get to keep a rolex watch or something.

really my whole life is wasted due to gambling. got into soccer gambling then come casino.

look back into our lives really is a big joke.

 

[Izumi8]

Anyone know how the CBS calculate 29 days past due? Lets say if Min Payment due date is today Mar 3, if never pay today, and pay it at 31 Mar, can we still get the A ratings? Or we will get B (30 to 59 days past due) ratings?
Late payment for 3 weeks is still OK ?

 

[johnsonlock]

no lah i'm serious.

come to think abt it, to go into debt due to gambling is really foolish, we dont get anything in the end.

if go into cc debt due to luxury spending, at least maybe we get to keep a rolex watch or something.

really my whole life is wasted due to gambling. got into soccer gambling then come casino.

look back into our lives really is a big joke.

I meant what you type about regretting not swiping a luxury watch is funny. The rest of the advice about CCS is very sound. Thanks. Maybe I never pay proper attention during the talk. I will set up appointment with CCS and try and work out a DMP.
I same as you lah. Last time when I was addicted to gambling, every first day of payday, withdraw $3,600 service the ah long interest first. Every weekend about $1,400 on 4D, whack $200 big, $200 small very common. Just can't believe how stupid I was.
But I'm glad you're almost out of the hole already. And good news is you're not addicted to escorts. Not sure whether that's worse or heroin addiction Both also expensive.
Got nobody else to blame for my situation but myself.

 

[Louis81]

I meant what you type about regretting not swiping a luxury watch is funny. The rest of the advice about CCS is very sound. Thanks. Maybe I never pay proper attention during the talk. I will set up appointment with CCS and try and work out a DMP.
I same as you lah. Last time when I was addicted to gambling, every first day of payday, withdraw $3,600 service the ah long interest first. Every weekend about $1,400 on 4D, whack $200 big, $200 small very common. Just can't believe how stupid I was.
But I'm glad you're almost out of the hole already. And good news is you're not addicted to escorts. Not sure whether that's worse or heroin addiction Both also expensive.
Got nobody else to blame for my situation but myself.

Escort got different rates go for lower end wont suffer as bad as heroine. Drugs untouchable.

 

[johnsonlock]

Escort got different rates go for lower end wont suffer as bad as heroine. Drugs untouchable.

True. Drugs cannot touch. If go DMP, I cannot tell the officer I budget 1k every month to call chicken. Haha. Guess need to DIY lor. No pain no gain
The DCP loan amount needs to be more than your last notice of assessment divide by 12.

 

[Louis81]

True. Drugs cannot touch. If go DMP, I cannot tell the officer I budget 1k every month to call chicken. Haha. Guess need to DIY lor. No pain no gain
The DCP loan amount needs to be more than your last notice of assessment divide by 12.

Then the citibank say they use payslip basic pay x12

 

[Louis81]

For info.
HSBC can be applied on spot at branch w all ur documents. They say 7-10 days. But 6-7 days call the bank and ask. For my case, the sales guy asked for a review on my case.
Citi will be next. The guy say use payslip basic pay x12. So not submitting NOA.
OCBC n UOB think can forget it. They are rather stringent about loans.
CIMB n ANZ can f off.
SCB n Maybank n DBS can try.
Thats my take.

 

[Louis81]

I suggest whoever apply next week chk w sales person how they calculate the monthly x12

 

[pororokia]

I meant what you type about regretting not swiping a luxury watch is funny. The rest of the advice about CCS is very sound. Thanks. Maybe I never pay proper attention during the talk. I will set up appointment with CCS and try and work out a DMP.
I same as you lah. Last time when I was addicted to gambling, every first day of payday, withdraw $3,600 service the ah long interest first. Every weekend about $1,400 on 4D, whack $200 big, $200 small very common. Just can't believe how stupid I was.
But I'm glad you're almost out of the hole already. And good news is you're not addicted to escorts. Not sure whether that's worse or heroin addiction Both also expensive.
Got nobody else to blame for my situation but myself.

wah bro u damn fierce.

ah long is one thing that i will never want to try to touch. cos also lucky got see real example of my friend having so much difficulty just to service the interest weekly, principal still remain.

just too risky as they are ruthless if you dont pay up on time. lucky also nv touch those legalized money lender as ccs wont be able to help with those in debts with them.

maybe like u say heng i also no gian those social escort, cant really afford also.

 

[Carlingford]

For DMP, are there any restrictions on overseas travel ? As I need to travel sometimes for work

wah bro u damn fierce.

ah long is one thing that i will never want to try to touch. cos also lucky got see real example of my friend having so much difficulty just to service the interest weekly, principal still remain.

just too risky as they are ruthless if you dont pay up on time. lucky also nv touch those legalized money lender as ccs wont be able to help with those in debts with them.

maybe like u say heng i also no gian those social escort, cant really afford also.

 

[Iwanttobehappy]

Really wonder why my application taking Soo Long ?? My statement and cbs report all over 1 month already ..,

 

[Carlingford]

Ya lot...13 Feb until now....

Really wonder why my application taking Soo Long ?? My statement and cbs report all over 1 month already ..,

 

[Louis81]

Really wonder why my application taking Soo Long ?? My statement and cbs report all over 1 month already ..,

Call on mon dont care

 

[melbourne10]

For DMP, are there any restrictions on overseas travel ? As I need to travel sometimes for work

DMP can travel. DRS also can (those facing bankruptcy but owe < $100k)

Bankrupt cannot