Debt consolidation Plan

[melbourne10]

u never give original ?? they courier collect all my original bank statements...
the courier guy oni take 1 small envelope end up folding like kiam cai..my stack of doc.

Hsbc can scan and submit

 

[england234]

I'm going to cover all bases. Going to attend CCS talk. If my current app fail, apply SCB and book appt with counsellor also.

Previously didn't think much. After last few weeks, realized that better do sth about this before it gets worse.

yes jus go for the ccs talk lor ...i think u go ccs talk can tong 3 months to apply one.....
after 3 months u nv apply dmp, u need to go to the ccs talk again.

 

[melbourne10]

yes jus go for the ccs talk lor ...i think u go ccs talk can tong 3 months to apply one.....
after 3 months u nv apply dmp, u need to go to the ccs talk again.

Oh so after u attend, must apply within 3 months? But I read someone say their counsellors will only see u after 1-2 months leh

 

[Carlingford]

Just got a feeling I got a better chance with SCB leh..I think I better go for the CCA talk also ..In case I screwed up this DCP

yea actaly the waiting situation damn sianz one..canot slep canot eat..keep thinking...if need to apply which bank next..
and the documents mus all keep again for submission all over again..
sibei sianz one..

good luck to you Brother !

Hope u get it....

y u never aply citi ? i thought citi not bad & SCB interest quite high leh ?

 

[lodestone]

anybody in ccs plan before?need help badly... if not i need to go bedok reservoir liao!!!

 

[england234]

Oh so after u attend, must apply within 3 months? But I read someone say their counsellors will only see u after 1-2 months leh

i tink dmp they will look into ur profile lor
of cos u give doc complete they can process faster & call u for appt lor
i tink need keep go diff banks and open acount if needed..
like take 2 mths at least for everything settled & implement.
be prepared to take leave lor when needed ..
think if u r gambler or trade stocks they ask u close account or someting like tat..& got a list of tings u need to write ur daily expenses including CNY ang bao ....haircut etc and your utilities bill etc...everyting mus write down so they can know hw much u can remain to pay...

 

[lodestone]

I'm going to cover all bases. Going to attend CCS talk. If my current app fail, apply SCB and book appt with counsellor also.

Previously didn't think much. After last few weeks, realized that better do sth about this before it gets worse.

my credit rating is bad.... is the worst rating.i dunno if i ccs will accept me into their plan?

 

[england234]

anybody in ccs plan before?need help badly... if not i need to go bedok reservoir liao!!!

aiyo nt so serious lar brother...in life People got Up time & Down Time..
most important is to solve problem
go CCS talk first
and aply dmp lor
they wil guide u de...
some owe more than 150k aso can get it...u read the ccs website review...

 

[lodestone]

i tink dmp they will look into ur profile lor
of cos u give doc complete they can process faster & call u for appt lor
i tink need keep go diff banks and open acount if needed..
like take 2 mths at least for everything settled & implement.
be prepared to take leave lor when needed ..
think if u r gambler or trade stocks they ask u close account or someting like tat..& got a list of tings u need to write ur daily expenses including CNY ang bao ....haircut etc and your utilities bill etc...everyting mus write down so they can know hw much u can remain to pay...

heh bro... if my cc rating is very very bad... will ccs accept me???

 

[CeSaRiO]

I've just got the worse rating and now waiting for Citibank to get back to me as well. The guy advised me to go for 5 years than 7 years as it's easier to get. But I'm praying for the best now

 

[england234]

heh bro... if my cc rating is very very bad... will ccs accept me???

u got until the stage that received summon or not ?

rating very bad is normal leh..rating good go CCS for wat?

most ppl HH leh

 

[england234]

I've just got the worse rating and now waiting for Citibank to get back to me as well. The guy advised me to go for 5 years than 7 years as it's easier to get. But I'm praying for the best now

good mah drag longer then min lessen..
later u got more money then clear more...
dun make urself so cham if u canot aford nw..
try to save & pay when u got more money
think tis dcp plan got the part when u can pay off all at 1 shot when u got money..oni charge few % of ur outstanding balance.

 

[melbourne10]

I think CCS just requires u to have a salaried job, for the first step.
Everything else the counsellor will discuss and try to help you.
If not in trouble, why need CCS, DMP, DRS, RAS all these.
Is to avoid bankruptcy mah.

 

[Louis81]

I've just got the worse rating and now waiting for Citibank to get back to me as well. The guy advised me to go for 5 years than 7 years as it's easier to get. But I'm praying for the best now

What is the interest rate for citi?

 

[melbourne10]

good mah drag longer then min lessen..
later u got more money then clear more...
dun make urself so cham if u canot aford nw..
try to save & pay when u got more money
think tis dcp plan got the part when u can pay off all at 1 shot when u got money..oni charge few % of ur outstanding balance.

I think apply 5 years better.
The banks want their money back.
7 years a lot of things can change.

My first app 7 years. Buang.
Now waiting for outcome of second app. 6 years.
My next app will be 5 years.

 

[Carlingford]

My rep from dbs too .. left msg and email never reply .. call call ctr straight better ..

Bro...any good news from your side ?

 

[lodestone]

u got until the stage that received summon or not ?

rating very bad is normal leh..rating good go CCS for wat?

most ppl HH leh

no summon but my strategy is borrow from bank A to return bank B.then after sometimes ... return bank C with bank B cash advance.....

then same to bank D....

now is borrow from legalise money lender to return Bank A then ... take out money from bank A to return bank B.. ... then bank c d and e...

and now i think the interest just roll until i everyday eat bread and butter.


mentally i am stressed out!!!apply to hsbc dcp plan and suddenly i saw some light of hope....

then the letter came and i was rejected!!! feel like going bedok reservoir...!!!

 

[CeSaRiO]

good mah drag longer then min lessen..
later u got more money then clear more...
dun make urself so cham if u canot aford nw..
try to save & pay when u got more money
think tis dcp plan got the part when u can pay off all at 1 shot when u got money..oni charge few % of ur outstanding balance.

Well I certainly hoped so. Well, one thing I know is that suffering through the pile of debts taught me a good lesson about expenditure. Last time I don't feel like saving, now I'm dying to save money. Hope all these goes through and we can start our life afresh.

 

[CeSaRiO]

I think apply 5 years better.
The banks want their money back.
7 years a lot of things can change.

My first app 7 years. Buang.
Now waiting for outcome of second app. 6 years.
My next app will be 5 years.

The guy shared with me that you need AA rating to get 7 years approval. So 5 years seems to be a sweet spot.

 

[england234]

no summon but my strategy is borrow from bank A to return bank B.then after sometimes ... return bank C with bank B cash advance.....

then same to bank D....

now is borrow from legalise money lender to return Bank A then ... take out money from bank A to return bank B.. ... then bank c d and e...

and now i think the interest just roll until i everyday eat bread and butter.


mentally i am stressed out!!!apply to hsbc dcp plan and suddenly i saw some light of hope....

then the letter came and i was rejected!!! feel like going bedok reservoir...!!!

eh u like tat wil roll more interest
money not enough to cover interest
dun borow from money lender leh..
jus go ccs & get dmp everyting solved
worst if u gt summon fm bank hor they advise u go DRS (no interest i tink but in public record ) before one rely end up in bankruptcy

anyway try to solve problem dun keep roll liao...
mus face it..
go ccs talk they will tell u wat to do.
u owing how many months of ur income now?
me until 18months due to signing credit card on medical bill & expenses took yrs ago roll...