Debt Management Programme (DMP) by Credit Counselling Singapore (CCS)

[KKK1978]

Mine is HX. Wonder how they determine

Mine is HZ. What’s yours?

 

[seeklightsoon]

Mine is HX. Wonder how they determine

https://www.creditbureau.com.sg/pdf/Credit-Report-Explanation-2019.pdf

Have you gotten a writs of summons before?

 

[KKK1978]

Yes but fully paid. Think will take 3 years to erase. And it was something i didnt realise i have

https://www.creditbureau.com.sg/pdf/Credit-Report-Explanation-2019.pdf

Have you gotten a writs of summons before?

 

[bioburden]

Anyone manage to get Amex corporate card while on dmp?

Bro, while on DMP my company applied corporate card for me and my colleague. My colleague was approved but my application requires a letter from 2 of my company directors to guarantee my application.
I ignore the request for this letter and did not continue my application

 

[bioburden]

For those on DMP, care to share what is ur ** rating?

For most of my 3.5 years under DMP its HZ then when left only half year more it was changed to HH. no idea why ....

 

[KKK1978]

Ya. So if ask directors to sign, its as good as telling them yr suituations

Bro, while on DMP my company applied corporate card for me and my colleague. My colleague was approved but my application requires a letter from 2 of my company directors to guarantee my application.
I ignore the request for this letter and did not continue my application

 

[barnabaskoh]

Hihi, can I just check for cashlinr in DBS do I just make payment directly to it? I didn't receive any letter stating to make payment where though when I call they say cashlinr is cancelled and dmp is approve. For my CIMB there was a new account being created. Do I just transfer my funds over?

 

[seeklightsoon]

Hihi, can I just check for cashlinr in DBS do I just make payment directly to it? I didn't receive any letter stating to make payment where though when I call they say cashlinr is cancelled and dmp is approve. For my CIMB there was a new account being created. Do I just transfer my funds over?

For DBS cashline you can just pay as per normal via DBS IB or AXS. You should be receiving letter from DBS around 2-3 weeks from your CCS approval letter.

 

[subforester]

can any bros here advise me if u own any car at the time u went to ccs?

 

[freedoomkcs]

Hi bro and sister, I'm new to this and like to ask the expert here. Currently my wife and I had sign up for our first loan for our dream condominium. After 2 years, we will need to refinance the loan. In this case, will it affect the loan? Also will my DNA affect my current loan

 

[WinMe]

Are there any banks which denies a DMP user usage of a debit card? Seems like OCBC is one of them.

 

[seeklightsoon]

Are there any banks which denies a DMP user usage of a debit card? Seems like OCBC is one of them.

I had problems with UOB and OCBC Bank in the past when I tried to apply for debit card while on DMP.
For OCBC, I was rejected when I sent in the form or applied online. However, when I use my OCBC Savings ATM Card to apply via the ATM machine, it was approved and card was mailed to me within a week.

For UOB, you have to go to the bank counter to apply and they will probably seek approval to give you a card. If apply via form, it will be rejected.

As for Maybank and HSBC, i don't think there will be any problem. Hope this helps.

 

[subforester]

Anyone can recommend a good ccs officer to help in the counselling? The counsellor who attended to me recently sucks. I find she is increasing my debts n not helping in reducing it.

 

[Thedarkalley]

Hi there everyone. Can i ask if debt is from legal money lender. Can seek ccs for help?

 

[seeklightsoon]

Anyone can recommend a good ccs officer to help in the counselling? The counsellor who attended to me recently sucks. I find she is increasing my debts n not helping in reducing it.

Oh dear, what do you mean when you mean that she tries to "increase your debt and not reduce it"?
Which stage of DMP are you at now?

 

[seeklightsoon]

Hi there everyone. Can i ask if debt is from legal money lender. Can seek ccs for help?

Nope, CCS cannot handle debt from licensed money lenders. They will advise you to sort assistance from the various voluntary organisations. For the list, you can refer to their website for details:

https://www.ccs.org.sg/library/page/useful-links (Look under "ASSISTANCE WITH MONEYLENDER DEBTS / GAMBLING COUNSELLING")

 

[SyraLeo]

I was always under the impression that if you don't pay your bills, the credit limit never resets so you cant spend more.

How do you go so high above your limit? Does the credit limit reset each month regardless of whether you paid the bills?

Not trying to imply anything, I genuinely dont know.

 

[OutlookWee]

Snowballed interest, financial charges, late payment fee and other bank charges.

I was always under the impression that if you don't pay your bills, the credit limit never resets so you cant spend more.

How do you go so high above your limit? Does the credit limit reset each month regardless of whether you paid the bills?

Not trying to imply anything, I genuinely dont know.

Sent from "Enjoy Helping People. Except For The Self Centered Ones. They Can F*** Off And Die." using GAGT

 

[Thedarkalley]

Thank you for your advise !

Nope, CCS cannot handle debt from licensed money lenders. They will advise you to sort assistance from the various voluntary organisations. For the list, you can refer to

 

[iamnotlame]

Anyone can recommend a good ccs officer to help in the counselling? The counsellor who attended to me recently sucks. I find she is increasing my debts n not helping in reducing it.

I do not understand what you meant by increasing your debts. The CCS officer will work on your DMP based on the financial information you have provided. It is from this information that CCS will calculate your total debts as they cannot just pluck out numbers from thin air.

Would you mind elaborate on your situation?