Debt consolidation Plan - Part 2

[BumBox]

Random but do people on DCP have the same design for the credit card? I saw a colleague of mine having the same design for her UOB card and i am wondering if she is one of us. Lol!!

 

[shanz80]

I suppose all cc are the same designs with the rest of ppl.

What for they purposely print a diff card for DCP ppl. Lol.

Random but do people on DCP have the same design for the credit card? I saw a colleague of mine having the same design for her UOB card and i am wondering if she is one of us. Lol!!

Be Nice cos I'm Nice HardwareZone Forums app

 

[Jeanie_]

I got rejected for debt conso for a few banks. In e end I applied for DRS under minLaw. No interest somemore. Still in progress thou.

 

[pacz87]

I got rejected for debt conso for a few banks. In e end I applied for DRS under minLaw. No interest somemore. Still in progress thou.

May i know your amount and credit rating? Did the banks tell you the reason of rejection?

 

[Jeanie_]

May i know your amount and credit rating? Did the banks tell you the reason of rejection?

Abt $80k credit rating HH. Anyway received news that my DRS proposal alr been accepted! Overall only need to settle Abt $65k. !!

 

[Syahirun]

Hi boss. Can pm me about ur renovation loan approval? Need ur kind help?

Actually.. renovation loan still falls under under unsecured loan.. because the property belongs to you, only the renovation belongs to the bank. Now with the new limits.. abit more difficult to get approved

 

[pacz87]

Thank God! My DCP application with HSBC has been approved. 7 years of repayment is going to start now. For the rest, keep praying. I can intro the CSO that handled my case if anybody need.

 

[BumBox]

Congrats!! On the way to a better fonancial stats!

Abt $80k credit rating HH. Anyway received news that my DRS proposal alr been accepted! Overall only need to settle Abt $65k. !!

 

[terence12]

Hi all, if i am currently still under dcp, can i take a loan amount of ard 5k from any banks? Or how about licensed money lender? Thanks

 

[shanz80]

Doubtful u can borrow from bank. Not even credit card.
Guess u have to borrow from licensed moneylender already.

Do manage ur funds yah. If not later end of the day, u got difficulties paying off the installment.

Hi all, if i am currently still under dcp, can i take a loan amount of ard 5k from any banks? Or how about licensed money lender? Thanks

Be Nice cos I'm Nice HardwareZone Forums app

 

[BumBox]

Licensed money lenders the interest very high and they only have max of 6 mths to a year for repayment if I am not wrong. They also require you to provide contact numbers of your family members.

Hi all, if i am currently still under dcp, can i take a loan amount of ard 5k from any banks? Or how about licensed money lender? Thanks

 

[StressedLoner]

I am under DCP since early this year. And I borrowed from licensed money lender few months back. But now I have difficulties paying licensed money lender.. how? Anyone here know what I can do? I am lost of all Hope's now. Zzzzz

 

[StressedLoner]

I did. Process is quite smooth. But now I have difficulties paying. I am stressed.

Anyone tried lending bee?

 

[StressedLoner]

Anyone knows if there is a refinancing DCP? I am under DCP with HSBC currently. Since Fen 2019. But there was some hiccup during my application process and end up I am paying for DCP plus two other credit cards outstandings. So DCP Supposedly shd help my situation. But because of those interests and late payment fees etc, my situation did not improved, but worsen... I have to take up Moneylender and now I cant even repay money lender.. I will apply for death soon also. ...... ...... ......

 

[OKorNOT]

Hi all, if i am currently still under dcp, can i take a loan amount of ard 5k from any banks? Or how about licensed money lender? Thanks

Moneylender 10% upfront deduct and 4% interest...
Borrow 1k tak back 900, return 1040 after a mth...
Actually i find the rate ok wad for a mth, at least can tide u through till next payday when u really desparate

Big loan i dun recommend u go moneylender lah..

But alway mak sure u confident to pay back on time den go to them

Their late payment is count by day
1 day late fee $60
(diff lender diff rate, other mayb higher)

Example if u mak payment 10 day late mean + 600 to your loan
The longer u drag the more it snowball

 

[StressedLoner]

That's why I stressed now. **** man...

 

[terence12]

Is this called the payday loan? Thanks

QUOTE=OKorNOT;124067134]Moneylender 10% upfront deduct and 4% interest...
Borrow 1k tak back 900, return 1040 after a mth...
Actually i find the rate ok wad for a mth, at least can tide u through till next payday when u really desparate

Big loan i dun recommend u go moneylender lah..

But alway mak sure u confident to pay back on time den go to them

Their late payment is count by day
1 day late fee $60
(diff lender diff rate, other mayb higher)

Example if u mak payment 10 day late mean + 600 to your loan
The longer u drag the more it snowball[/QUOTE]

 

[shanz80]

Can refinance ah.

SCB got. But do note that u need to pay cash for the penalty as u wan to do refinance.

I'm not too sure if scb still got offer cashback promo.

But their Interest rate seems to b the lowest of all banks.

Check out singsaver.com.sg

Anyone knows if there is a refinancing DCP? I am under DCP with HSBC currently. Since Fen 2019. But there was some hiccup during my application process and end up I am paying for DCP plus two other credit cards outstandings. So DCP Supposedly shd help my situation. But because of those interests and late payment fees etc, my situation did not improved, but worsen... I have to take up Moneylender and now I cant even repay money lender.. I will apply for death soon also. ...... ...... ......

Be Nice cos I'm Nice HardwareZone Forums app

 

[shanz80]

In what way got hiccups? The bank supposedly to pay off all ur cc.

Be Nice cos I'm Nice HardwareZone Forums app

 

[StressedLoner]

Exactly! I tot DCP shd have consolidated all my DC debts. But not my case due to some miscalculations. Cuz there were 2 huge transactions still not accounted for when I was applying.
Transaction on 23 or 24th Dec 2018
I was applying during mid Jan. I tot those summing up to abt 5k was already billed and accounted in the DCP. Then my DC got approved. During feb when I was checking all the outstanding, there were balance of close to 5k overdue after DC took effect. And interest is STILL accumulating. I need to pay the minimum payment monthly. Until sept I cannot handle anymore. Hence incurred late payment chsrges etc.. so instead of reducing my debt got higher. I have sunken deeper. Den as my last resort during sept, I turned to moneylender to help paying off those amount. After getting the loan I still couldn't as there were so parties chasing me for payments. I had to pay those overdue of two or three months. I am left with little to ride me thru oct and nov. No dec I cannot handle anymore.............

In what way got hiccups? The bank supposedly to pay off all ur cc.