Debt consolidation Plan

[kopitiamer]

Same as me last few months. Many times win alr greedy wan to play jackpot more... In the end lost more n more. I ban myself alr

Gambling on JACKPOT is the worst ODDS and one of the most stupiest bet to gamble on , as it is being programmed to payout the least it is being governed and legally by every countries juridictions to allow for the casinoes to payout certain percentage only , OVERALL it eats the MOST MONEY as compare to other games in the casinoes and the most stupiest to gamble on Jackpot machines , unless you are SUPER lucky to strike the top price and never return to gamble , but that only happens once in a million ! please be more intelligence !!

 

[kopitiamer]

i would say MOST GAMBLERS FAILs their Mathematics and not realises that all casinoes games built on edges , it's not difficult to know the odds and house edges of all the games if you do your diligence and google the internet !!

For your own family and goodness sake , STOP HAVING CHILDISH, NAIVE and STUPID hope that you can make " EASY MONEY " when you are in DEBTS , gambling movies like those acted by Mr. Chow yun fatt has really brainwashed stupid ignorant people into haVING false hope on becoming rich through all these gambling shits that only do more damages to one's pocket and families !

even a peanut size brain knows about these !

 

[123siao]

Possibly collect BTO key 1Q next year. If I am under dcp now, how will it affect the BTO? Under DCP, can still take reno loan?

 

[sgman88]

Gambling on JACKPOT is the worst ODDS and one of the most stupiest bet to gamble on , as it is being programmed to payout the least it is being governed and legally by every countries juridictions to allow for the casinoes to payout certain percentage only , OVERALL it eats the MOST MONEY as compare to other games in the casinoes and the most stupiest to gamble on Jackpot machines , unless you are SUPER lucky to strike the top price and never return to gamble , but that only happens once in a million ! please be more intelligence !!

Went to those ntuc club, see those old ppl keep throwing in monies feed the machines. Don't know how many savings they already thrown in n still hoping to strike a jackpot.

 

[sgman88]

Not True. Kiasu Banks such as UOB or OCBC or Citi or BOC. They are quite fast.

From the cases I heard from other victims...the stories are as below:

UOB start sending lawyer letter around 3 weeks overdue. The most kiasu banks I think. If Min Payment due date is today, 3 weeks later will receive lawyer letter if still never pay.

Citi start sending laywer letter around 7 weeks plus overdue.

OCBC start sending lawyer letter around 6 weeks plus overdue. and it all start from a miss payment of SGD60+ min payment. Their collectors is like a machine and refuse to work out any deals such as waive off the annual fees/late fees of SGD200+ to encourage payment. Lets say if overdued payment has become $300 now after late charges /annual fees, if they waive off all the fees, then only need to pay SGD50 can settle. Issue solved. Nope, they refused waive the fees. They preferred to send lawyer letter instead even if there are ways to help the poor guy pay.

BOC start sending letter demand payment or else will cancel the cards with just 2 weeks overdue. This is ridiculous as they are going to cancel the cards with just 21 days late for payment?

Thanks for the information. Really being poor is a crime.

 

[kopitiamer]

Went to those ntuc club, see those old ppl keep throwing in monies feed the machines. Don't know how many savings they already thrown in n still hoping to strike a jackpot.

Madam Loh (not her real name) especially loved the ka-ching of falling electronic coins. But landing in a $200,000 debt and having to sell her four-room flat motivated her to join the self-exclusion list and stop gambling four years ago.


READ MORE HERE =>>> Straitstimes.com/singapore/jackpot-addict-i-lost-10k-in-a-day


Surely these people are SIMPLETON , and do not understand how JACKPOT are being programmed to EAT AND EAT AND EAT till bones also wont puke it out !!

In HONGKONG , jackpot machine are called " TIGER MACHINE " , the name speaks for itself , should i say more brutal words of TRUTH ?

 

[kopitiamer]

Went to those ntuc club, see those old ppl keep throwing in monies feed the machines. Don't know how many savings they already thrown in n still hoping to strike a jackpot.

"I lost at least $5 million, and close to half of it went to jackpot machines," said Jerome (not his real name), 67, who now works as a taxi driver. "Now, I am a nobody."


READ MORE ==>> http://straitstimes.com/singapore/gambler-tells-of-fall-from-heavenly-king-to-a-nobody


Stupidity, Greediness or Mental Illness ?? ? you judge by your own intelligence , nobody will pity a gambler who lost everything and who had done damages to their own family !!! PERIOD !!!

 

[kopitiamer]

" You call yourself a man??? You know you're a lying, lowlife *******xxking gambling degenerate prick!!! You know that's what you are?!!! "

from the Movie : CASINO(1995)

https://www.youtube.com/watch?v=xDFqRFODiMg

https://www.youtube.com/watch?v=xDFqRFODiMg

 

[jklbnm]

i would say MOST GAMBLERS FAILs their Mathematics and not realises that all casinoes games built on edges , it's not difficult to know the odds and house edges of all the games if you do your diligence and google the internet !!

For your own family and goodness sake , STOP HAVING CHILDISH, NAIVE and STUPID hope that you can make " EASY MONEY " when you are in DEBTS , gambling movies like those acted by Mr. Chow yun fatt has really brainwashed stupid ignorant people into haVING false hope on becoming rich through all these gambling shits that only do more damages to one's pocket and families !

even a peanut size brain knows about these !

Read my earlier post. I already say these buggers fail maths. But bro, why bother talking sense to these people

 

[Jaychou1309]

I dont have a hsbc credit card facility. Apart from hsbc notifying on approval, how does maybank inform us that it has been approved?

My application with maybank was submitted last wed.. wondering if it is approved...

hsbc will send you sms

other banks seems u need to ask them personally to get latest update.

ultimately bank will send u mail

 

[sgman88]

Last time used to bet bookie soccer , bookie 4d ,bookie toto , bet in cruise , bet in casino , bet horse , lost till dry dry , salary and bonus all gave to bookie ,now only bet gov 4d and horse , casino if ban will go cruise , also lost like hell.

don't gamble anymore, take the money go declare bankrupt. Few years later start all over again. Or you want DCP, DMP don't know pay until when also don't know halfway what happen.

 

[sneggg]

don’t know you troll or just plain dumb

 

[extramanu]

Win also no use , today win tmr lose back , win luck very short , may be can continue win few days , but bad luck damn long , continuous few months losing non stop also can , my longest bad luck was more than a year no win single cent , every time also lost , normally my luck trend is win one two time then lose 3 4 months then win 1 2 times then lose few months again, and the cycle keep on repeated no change. Don't know is it i hv too many sin that affect my luck.

Either you are hallucinating or simply refuse to acknowledge reality.

You are given a second chance in the form of DCP. That's already a form of blessing. There are many brothers struggling out there and not given a chance /lifeline.

 

[kopitiamer]

STUPIDITY , MENTAL ILLNESS , BRAINWASHED DEGENERATE !

Either you are hallucinating or simply refuse to acknowledge reality.

You are given a second chance in the form of DCP. That's already a form of blessing. There are many brothers struggling out there and not given a chance /lifeline.

 

[kopitiamer]

Read my earlier post. I already say these buggers fail maths. But bro, why bother talking sense to these people

Former millionaire Klaus F. Schmidt lies in a sleeping bag at the entrance of the casino in Bad Zwischenahn, Germany, 13 May 2011. The gambling addict camps at the casino to protest against the German casino and gambling national license. He demands more protection for addicts. According to his info sign, he lost his five million Euro ( 5,000,000.00 Euros = $6,560,000.00 US dollars) , part of it in this casino .

 

[sneggg]

wow uob v nice i call to ask them waive interest for a month they waive for 3 months lol

 

[deadend*]

Finally received acceptance letter from CCS. No wonder is so quiet today...Hopefully, my life get better thereafter.

 

[Balehbt]

CITI DCP

I just got a call from CITI saying my DCP is in its final stage of approval and that I needed to update my mailing address to my home address first. Is this good news?

 

[Jarlaxle]

Either you are hallucinating or simply refuse to acknowledge reality.

You are given a second chance in the form of DCP. That's already a form of blessing. There are many brothers struggling out there and not given a chance /lifeline.

That is why i own genting and lvs shares

 

[ckimy]

Hi all, I would like to have some opinion on my case.

I'm a Malaysian also PR in Singapore.

Net salary S$2400 after 20% CPF.

Currently I'm paying few Banks for my credit card outstanding. Most of the cards I use the Cash Out and repay a fixed amount in 5-7 years provided by banks. Average Cash Out S$10k from each card, monthly repayment about S$230-S$250 each card. Some card left 3 years then finish repay, some just started and still have 6-7 years to go.

1. ANZ (left 3 years, now paying to DBS)
2. DBS (left 3 years)
3. Citi (left 3-4 years)
4. UOB (left 4-5 years)
5. SC (left 4-5 years)
6. HSBC (left 6-7 years)

Total monthly repayment is about S$1450.

Just bought my Credit Bureau Report, my total outstanding is about S$54k as at September (if count in Oct payment, should be lesser S$1k+ I think?)

And also I have fixed commitment in Msia which about S$1050 per month (including recurring credit card billing, eg Insurance etc)

And, I haven't included my rental (S$200), ezlink top up (S$50), hp prepaid card top up (S$10), food (S$100 for lunch on weekday, skip dinner for long time already, weekend in JB), total is about S$360.

Since two three months ago, i finished up my savings to pay up all bills with full payment. Now I start getting to have outstanding to ONE bank in Malaysia (i paid full payment to all card in SG, let outstanding be in Malaysia only).

So S$2400 - S$1450 - S$1050 - S$360 = (-$460) negative

I came across with DCP, just wonder whether can I apply for it for maybe 6-7 years? In order to have some cash on hand every month after paying all bills, not negative like now.

I know the requirement is must have outstanding 12 times of gross salary, but mine is about 18 times, wonder is it too far away to apply DCP?

Any sifus can highlight me?

Thanks in advance...