Debt consolidation Plan

[melbourne10]

Cos hsbc decline me on last tue. Wed night I pray. Thur agent called me asked me to put up review. So Mon I personally went to church and stand infront of mother mary statue and pray for help.

God bless man. Hope the result is favorable for you.

 

[Iwanttobehappy]

Damn....So what's your next plan ?

Really dunno .. I think this plan is not helping pple at all ... with bad cc rating etc ..

 

[JayChou07]

Not to sound crude, but most bro/sis here probability of falling back to the same ordeal is almost 80%. Why? Bcoz a leopard nv change its spot. How most fall into this situation if u look back even if u clear 1 debt, u are likely to get into few more in the near future

 

[melbourne10]

Govt thought of that alrdy...
DCP give u 1 month of credit, and hard to apply for new credit after u clear DCP
DMP doesn't give u any credit, and u cannot use unsecured credit ever again
Not a perfect solution but it's a start for ppl who genuinely wanna crawl out of this shithole

 

[pororokia]

Not to sound crude, but most bro/sis here probability of falling back to the same ordeal is almost 80%. Why? Bcoz a leopard nv change its spot. How most fall into this situation if u look back even if u clear 1 debt, u are likely to get into few more in the near future

so what u trying to prove here? we dont need your not trying to sound crude 'post'

post it elsewhere lah.

 

[melbourne10]

so what u trying to prove here? we dont need your not trying to sound crude 'post'

post it elsewhere lah.

Good reminder la. Crawl out alrdy don't fall back in

 

[aang1971]

Cos hsbc decline me on last tue. Wed night I pray. Thur agent called me asked me to put up review. So Mon I personally went to church and stand infront of mother mary statue and pray for help.

Good luck bro, we pray for you too!

 

[aang1971]

i love this thread... feel warm with everyone here.. sharing our woes and problems together..... at least we wont feel walking alone in this dark lane...



anyway, this chinese quotes reflect well....

dun give up hope ....

Yes,bro we feel you.

Do not give up. Just try until you get a fresh start and treasure it!

 

[aang1971]

So Far they are 3 successful applications, am I right?
Let's move on and focus on which solution will be the best for all of us! Please share your best thoughts BROs

So little!!

 

[pororokia]

Govt thought of that alrdy...
DCP give u 1 month of credit, and hard to apply for new credit after u clear DCP
DMP doesn't give u any credit, and u cannot use unsecured credit ever again
Not a perfect solution but it's a start for ppl who genuinely wanna crawl out of this shithole

i mean if really managed to climb out, its best not to sink in again.

so yes like the one who says leopard nv changes its spot, so the cc temptation is still there.

best is not to take cc anymore after clearing the shiat hole.

 

[CeSaRiO]

After looking through a couple of posts, I guessed we got to embrace what's society is like: to get judged and comments.

However, most of the bros here are victims of your own folly or circumstance. personally for me, being a victim of my own circumstance has made me grind through numerous situations rather than resorting to the loanshark and even further humbled myself and ego.

I really pray for the best now because what I'm doing is not a long term situation, and me finally dawn upon the idea that my parents are aging and finally having an understanding girlfriend wakes my idea so badly that me wanting myself out of this situation.

Good luck guys and I hope everyone here is sincere in exiting your situation for a better future.

 

[Louis81]

So little!!

Some in process.
As I shared b4.
Dont waste time on CIMB, ANZ, OCBC, UOB, Maybank
Only go for hsbc, citi n try dbs.
Standard chartered can try.

 

[Louis81]

DCP is interest built into yr loan tenure.
DMP is interest built on monthly balance.

If rating is D to F perhaps go for 5 years.

But again we have all sort of cases here

 

[Louis81]

For HSBC, go straight to branch w doc and apply. 7-8 days call n ask.
For CITI, 2-3 days wait for them to contact.

This is my experience so far

 

[Carlingford]

For HSBC, would they take away your original documents ?

For HSBC, go straight to branch w doc and apply. 7-8 days call n ask.
For CITI, 2-3 days wait for them to contact.

This is my experience so far

 

[Ginola81]

I suggest those jialat case go ccs ba. Dun waste time sending documents to the banks. As one bro mentioned, overtime and bonus not counted in your monthly payments to bank.

 

[pororokia]

I suggest those jialat case go ccs ba. Dun waste time sending documents to the banks. As one bro mentioned, overtime and bonus not counted in your monthly payments to bank.

the initial planning stages will still factor in bonuses etc.

once the payment amount is firmed up then yes whatever else u earn extra is yours to keep, just need to service the agreed amount monthly.

 

[minnychan17]

I called them today, the lady informed that they didn't receive my application which was emailed to them 19 FEB!!! I got a call from Bank of China, the Rep informed me that there is a possibility of rejection but I can still apply, I couldn't find their Form, Do you know from where to download it bros?

i think if you stay in a hdb, they shld have sent you a mailer. I received mine last friday.

 

[Carlingford]

Just received a SMS from SCB that my DCP application has been rejected...I think I will go for DMP liao but probably in the meantime will apply for DCP from other banks (but not harbouring any hope liao)

 

[Louis81]

Just received a SMS from SCB that my DCP application has been rejected...I think I will go for DMP liao but probably in the meantime will apply for DCP from other banks (but not harbouring any hope liao)

U rejected by what banks and credit rating?