Debt consolidation Plan

[member8]

They say to go to CCS, like as if I go, then now I get. Lol. What happened to you after the closure?

My CC is terminated, I still owe them 12K, the officer asked me to pay a minimum amount of S$550 monthly. As long as you speak with a good officer and you explain to him/her the situation they can help close an eye. All the best Danielle.

 

[CeSaRiO]

Btw guys, those who've got rejected, have you cleared minimally your minimum payment before submitting?

 

[member8]

Btw guys, those who've got rejected, have you cleared minimally your minimum payment before submitting?

Some yes and some No Cesario!

 

[melbourne10]

Btw guys, those who've got rejected, have you cleared minimally your minimum payment before submitting?

Just follow the statement date. Min payment will reflect on CBS report, but their report is behind one. So whether u do it or not, they won't rly know.

At the least make sure u have 12 As in the first row - AAAAAAAAAAAA

 

[CeSaRiO]

Some yes and some No Cesario!

I just recalled that he mentioned something like must make minimum payment to all outstanding before submitting. So just wanna check with the bros here..

 

[CeSaRiO]

Just follow the statement date. Min payment will reflect on CBS report, but their report is behind one. So whether u do it or not, they won't rly know.

At the least make sure u have 12 As in the first row - AAAAAAAAAAAA

I don't have all full AAA though. Probably about 3-4 non full As

 

[Carlingford]

Probably true..I shall see after the CCS talk

Same here. But can try to appeal and see how first bah.



Bro go easy on yourself mate. Maybe it's a good time to evaluate how to increase your credit rating first and then try again?

 

[Carlingford]

Minimum payments all clear...All the payment row are A

Btw guys, those who've got rejected, have you cleared minimally your minimum payment before submitting?

 

[CeSaRiO]

Minimum payments all clear...All the payment row are A

Now I'm having huge fears....

 

[melbourne10]

Just spoke to my agent at HSBC. Due to "overwhelming response", the 5-7 day timeframe is now 7-10 days.

My application is under review - they overlooked one personal loan and hence they deemed the outstanding to be < 12 months. My agent was quite proactive and sent it for review on her end and highlighted that I have the personal loan.

I also asked if I can change the 6 year tenor to 5 years and they will let me know asap if that is possible. Since 5 years seems to be the "sweet spot".

 

[Carlingford]

Good luck !

Just spoke to my agent at HSBC. Due to "overwhelming response", the 5-7 day timeframe is now 7-10 days.

My application is under review - they overlooked one personal loan and hence they deemed the outstanding to be < 12 months. My agent was quite proactive and sent it for review on her end and highlighted that I have the personal loan.

I also asked if I can change the 6 year tenor to 5 years and they will let me know asap if that is possible. Since 5 years seems to be the "sweet spot".

 

[Louis81]

Hsbc decline dont understand y below 12 times income.
Attacked Citi this morning.
Next week CCS talk.

 

[nuah2002]

Never give up bro.. I am also in accounts line...Have a day or two break away from this issue..I will be doing that as I found out that this DCP has been consuming my life for almost 2 months.. damn tired...U considering DMP ?

ya lo taking a break now and wait for Citi appeal results. So far not thinking of DMP yet. Seems like v strict until you have to list out your monthly expenses? But if things continue like this maybe no choice but to go.

 

[melbourne10]

Hsbc decline dont understand y below 12 times income.
Attacked Citi this morning.
Next week CCS talk.

Idk how the approving side calculated it, cuz before I confirmed my application, the agent went through the numbers and it was clear that the outstanding is > 12 months income. They probably overlooked something. At least my agent checked on the numbers and documents again and helped me send it back for a review.

 

[Louis81]

Idk how the approving side calculated it, cuz before I confirmed my application, the agent went through the numbers and it was clear that the outstanding is > 12 months income. They probably overlooked something. At least my agent checked on the numbers and documents again and helped me send it back for a review.

Yes sales person checked above 12 times. But decline by processing dept.

 

[melbourne10]

Yes sales person checked above 12 times. But decline by processing dept.

Sian. They didn't give you any reason right?

Oh wait. You're also waiting for review outcome right - so we are in a similar situation.

 

[Louis81]

Sian. They didn't give you any reason right?

Oh wait. You're also waiting for review outcome right - so we are in a similar situation.

Review over. Now onto citi. Submit all documents.

 

[Louis81]

Sian. They didn't give you any reason right?

Oh wait. You're also waiting for review outcome right - so we are in a similar situation.

Using citi 5 years tenure. Instalment is close to DMP. Infact citi I got to pay more per month.

 

[melbourne10]

Review over. Now onto citi. Submit all documents.

I see. Ok good luck with Citi.

This weekend going to do the CCS "homework" and fill in the budget estimate and then see how.

 

[Louis81]

I see. Ok good luck with Citi.

This weekend going to do the CCS "homework" and fill in the budget estimate and then see how.

In on the website resource link.
U attended the ccs talk?