Debt consolidation Plan - Part 2

[Stressfulpie18]

Ask for Mui in DBS to handle your case. I was rejected 4 times by DBS and she managed to get it approved in the end.

The cso is mui. Will she reapply for me?

 

[Applewee]

Ask for Mui in DBS to handle your case. I was rejected 4 times by DBS and she managed to get it approved in the end.

Did DBS tell you why they rejected you?

 

[Applewee]

I just received letter from dbs say my dcp got rejected. Worst is I applied a personal loan to meet my 12x mthly requirement. Now I have another debt to handle.... Can some 1 help me which bank easy to get approval?

Bro what’s ur rating? How much loan u incurred?

 

[Applewee]

Try UOB or SCB or HSBC. Success rates seem higher and results known faster for UOB or SCB. All the best.

Bro... don’t mind to share ur CSO number with me for UOB?

 

[Stressfulpie18]

Bro what’s ur rating? How much loan u incurred?

My rating now after got a loan few weeks back from BB to CC. Owning 53k. Earning 4.3k per mth.

 

[Stressfulpie18]

How do u all apply they hsbc. Recently I got a loan from them in April. If I apply dcp will they allow? I try to apply online but it went to contact me. So I left my contact hope they call me.

 

[helpbroinneed]

How do u all apply they hsbc. Recently I got a loan from them in April. If I apply dcp will they allow? I try to apply online but it went to contact me. So I left my contact hope they call me.

why that time the loan u dun borrow a huge sum from them to settle?

 

[helpbroinneed]

dun wait for one then apply another
apply 3 bank one shot
hsbc ,uob and maybank
if these 3 reject means dun bother to apply or wait

meantime go for csc counselling , listen to the talk, fill in the form and request for early meeting

csc will help u to negotiate with bank on payment per month

 

[Stressfulpie18]

why that time the loan u dun borrow a huge sum from them to settle?

Cos huge sum they rejected me before so I ask for a small sum. Cos I short of 5k to meet the 12x requirements. So I loan just to get my dcp. But who knows it got rejected.

 

[Thedarkalley]

Ya. I tried too.
AA. No default payment. On DCP

Anyone knows how credit culture access you? Seems like even before they look at ur credit report, you will be rejected immediately

 

[Iwanttobefree]

Ya. I tried too.
AA. No default payment. On DCP

Grade EE, able to get 30k loan from credit culture. Never defaulted on any payments.

 

[Applewee]

My rating now after got a loan few weeks back from BB to CC. Owning 53k. Earning 4.3k per mth.

Is it ur BTI still haven’t meet?
What loan u took that causes the drop in the rating?

 

[Stressfulpie18]

Is it ur BTI still haven’t meet?
What loan u took that causes the drop in the rating?

I got a personal loan. My bti was met. 12.99.

 

[Stressfulpie18]

Grade EE, able to get 30k loan from credit culture. Never defaulted on any payments.

What is default means?

 

[Applewee]

I got a personal loan. My bti was met. 12.99.

Read from the bro and sis here

Maybank , HSBC , SCB got higher successful rates...
DBS a bit not easy....

 

[StormySkiesNRainbows]

What is default means?

Missed minimum monthly payments

 

[Stressfulpie18]

Read from the bro and sis here

Maybank , HSBC , SCB got higher successful rates...
DBS a bit not easy....

Mui the cso she is helpful. She ask me get a personal loan to meet my requirement as tha is the only way. And she sound so positive with my rating I will get. She even calculate how much I will be paying monthly all this. Now I have to repeat circle again.

 

[Stressfulpie18]

Missed minimum monthly payments

I did miss a few x.

 

[Shalala-86]

Yes Credit Culture is 9.6% per annum interest rate. Higher than bank loans but still cheaper than credit card interest. But they rejected my application. Hais. Very stress over my debts :'(

I know the pain. I struggled for months before I succeed. Pay min until no money for daily spending too. If really no choice, take the DMP. Hang it there! Surely will get there!

 

[Shalala-86]

My rating now after got a loan few weeks back from BB to CC. Owning 53k. Earning 4.3k per mth.

Good chance and good rating. Try Maybank or HSBC? Since all documents already ready, concurrently try applying both. Good luck!