Debt consolidation Plan

[chris_83]

hsbc and mbb rejected my application.so sad.

 

[rainrain12]

Hi!! I’m new here. I have a few questions which i hope you guys can assist me with. I wanted a DCP badly but was disheartened when i got rejected by DBS in Jan 2018. So a few days back, HSBC called me and asked me to apply. They asked me for my NOA, 3 months Payslip, ** Report & IC. Then she told me to wait for them for a few days to do a Pre-Screening. Today i received a call from them informing me to submit all my bank statements and to sign on the application form which the courier will collect. What are my chances? Is this HSBC’s style? By the way my info as follows:

Debt: $41,700
NOA: $42,200
** Rating: HH
Score: 1662
Probability of Default: 7.81%

 

[missymessy]

I applied for HSBC but got rejected. My ** rating is EE.

Hi!! I’m new here. I have a few questions which i hope you guys can assist me with. I wanted a DCP badly but was disheartened when i got rejected by DBS in Jan 2018. So a few days back, HSBC called me and asked me to apply. They asked me for my NOA, 3 months Payslip, ** Report & IC. Then she told me to wait for them for a few days to do a Pre-Screening. Today i received a call from them informing me to submit all my bank statements and to sign on the application form which the courier will collect. What are my chances? Is this HSBC’s style? By the way my info as follows:

Debt: $41,700
NOA: $42,200
** Rating: HH
Score: 1662
Probability of Default: 7.81%

 

[Renaldory]

hsbc and mbb rejected my application.so sad.

Do you want to try with SCB?

 

[chris_83]

Do you want to try with SCB?

I already left my contact with them, waiting them to call me. mbb said mine everything ok, in the end also rejected. hsbc rejected even before submit application. i will apply rest of 8 banks together. if all not ok, see me in the news about bedok reservoir...

 

[Renaldory]

I already left my contact with them, waiting them to call me. mbb said mine everything ok, in the end also rejected. hsbc rejected even before submit application. i will apply rest of 8 banks together. if all not ok, see me in the news about bedok reservoir...

Bro, pls do not think about ending your life... There are many ways out. Pm you already my contact. I know some friends who are specialists in this field.. They have have helped people to improve their CBS score after analyzing their situation.. And eventually DCP approved.

Do reach out bro

 

[missymessy]

What is your CBS rating ? Your debt exceed 12 x of monthly income?

I just applied scb. Praying hard that it will be approved. If not then I will go to credit counselling and appeal for lower repayment scheme.

hsbc and mbb rejected my application.so sad.

 

[chris_83]

What is your CBS rating ? Your debt exceed 12 x of monthly income?

I just applied scb. Praying hard that it will be approved. If not then I will go to credit counselling and appeal for lower repayment scheme.

latest is dd. not sure after rejected by mbb. debt 79k, income 4.4k

 

[chris_83]

Bro, pls do not think about ending your life... There are many ways out. Pm you already my contact. I know some friends who are specialists in this field.. They have have helped people to improve their CBS score after analyzing their situation.. And eventually DCP approved.

Do reach out bro

thx bro. not sure why they rejected. before submit, i already sent to them, they said no prob with the docs.

 

[chris_83]

before it was bb. then i did a mistake to apply 4 cards and rejected on july, it became dd since then. before submitted to mbb last fri, it is still dd. 3 more points to cc.

 

[chris_83]

already sms you bro...your friend is from scb?

 

[coldkohmew]

Just make sure to clear the debt and not buy time

 

[debted]

Hi guys,
I just recieved from Advent Law Corp a letter representing UOB to demand payment for my outstanding minimum amount with late charge and lawyer letter fee of $15.

I also owe to Citibank, Standard Chartered, DBS (Cashline), OCBC.

Trouble is I lost my job due to redundancy two months ago and I am still in the jobsearch process (which has been facing rejections and challenges). I hope to find a stable full income soon.

Until then, my CBS rating will remain HH or even deteriote.

I owe close to $50,000 and I was paying minimum sums every month while I was employed. But having little left every month, I drew diwn further, which likely caused my CBS rating.

I tried applying for DCP while I had a job but applications all failed.

I don't know if my unemployed status will help or will I face more rejections now.

Also, Advent says in their letter I must pay $750 by tomorrow.
Sadly my financial hardship does not allow this payment to be made.

Can anybody suggest what I should do?

My immediate plan tomorrow is to call Advent or UOB to tell them my inability to pay. Hope they can suggest DMP or some instalment plan to help me pay.
I will also contact the other banks to appeal for alternatives.

But I am at dire straits now. So I hope to draw on advice from this forum for answers.

It has been a lonely debt situation that family and friends don't know about. Very shameful. I am in remorse but that don't help in reality as I still have to face up to the banks aa well as other elements.

Please help with your kindest advice.
Thanks.

 

[Aion99]

Hi guys,
I tried applying for DCP while I had a job but applications all failed.

I don't know if my unemployed status will help or will I face more rejections now.

Also, Advent says in their letter I must pay $750 by tomorrow.
Sadly my financial hardship does not allow this payment to be made.

Can anybody suggest what I should do?

My immediate plan tomorrow is to call Advent or UOB to tell them my inability to pay. Hope they can suggest DMP or some instalment plan to help me pay.

But I am at dire straits now. So I hope to draw on advice from this forum for answers.

It has been a lonely debt situation that family and friends don't know about. Very shameful. I am in remorse but that don't help in reality as I still have to face up to the banks aa well as other elements.

Please help with your kindest advice.
Thanks.

No point calling UOB or Advent, if you are unable to pay. You need go CCS and get your DMP approved immediately. You have to be fast. Once UOB or other banks launched further legal actions it maybe too late. To get DMP, u need to have full time job with stable income.

Option 1, borrow 750 from family and friends to settle this UOB first. and then get any full time job you can find while applying for DMP.

Option 2, Ignore UOB and Advent, wait for them to sue you for bankruptcy?

 

[chris_83]

anyone tried apply uob online before? before i filled in the all the column the page refresh to the first page and all the thing i keyed lost. i tried 3 times, every times same.

 

[missymessy]

Dont lose heart. I'm facing this alone too as I cannot let anyone else know. I have to do something because I may lose my job as now I'm required to declare my financial situation. Now I'm under investigation

Really hope I will not lose my job because of this.

But I'm prepared to face the consequences. After all it's my ignorance that caused all these to happen.

Hi guys,
I just recieved from Advent Law Corp a letter representing UOB to demand payment for my outstanding minimum amount with late charge and lawyer letter fee of $15.

I also owe to Citibank, Standard Chartered, DBS (Cashline), OCBC.

Trouble is I lost my job due to redundancy two months ago and I am still in the jobsearch process (which has been facing rejections and challenges). I hope to find a stable full income soon.

Until then, my CBS rating will remain HH or even deteriote.

I owe close to $50,000 and I was paying minimum sums every month while I was employed. But having little left every month, I drew diwn further, which likely caused my CBS rating.

I tried applying for DCP while I had a job but applications all failed.

I don't know if my unemployed status will help or will I face more rejections now.

Also, Advent says in their letter I must pay $750 by tomorrow.
Sadly my financial hardship does not allow this payment to be made.

Can anybody suggest what I should do?

My immediate plan tomorrow is to call Advent or UOB to tell them my inability to pay. Hope they can suggest DMP or some instalment plan to help me pay.
I will also contact the other banks to appeal for alternatives.

But I am at dire straits now. So I hope to draw on advice from this forum for answers.

It has been a lonely debt situation that family and friends don't know about. Very shameful. I am in remorse but that don't help in reality as I still have to face up to the banks aa well as other elements.

Please help with your kindest advice.
Thanks.

 

[LancasterHanoi]

Dont lose heart. I'm facing this alone too as I cannot let anyone else know. I have to do something because I may lose my job as now I'm required to declare my financial situation. Now I'm under investigation

Really hope I will not lose my job because of this.

But I'm prepared to face the consequences. After all it's my ignorance that caused all these to happen.

Actually my total debts from CC one time exceeded 200K, almost reach the deadlock, even I am actually strong in mental, but many time still thought of end my life. After several months, thing gets better. It is indeed a blessing not to act stupidly....so I think all of us who face the crisis now, hope is still there as long as we continue to move on...

 

[LancasterHanoi]

Dont lose heart. I'm facing this alone too as I cannot let anyone else know. I have to do something because I may lose my job as now I'm required to declare my financial situation. Now I'm under investigation



It has been a lonely debt situation that family and friends don't know about. Very shameful. I am in remorse but that don't help in reality as I still have to face up to the banks aa well as other elements.

Please help with your kindest advice.
Thanks.

Hi
No chance for your family member to loan you 750? I think they will help ...as family...

 

[missymessy]

Think u replied to the wrong person

Hi
No chance for your family member to loan you 750? I think they will help ...as family...

 

[debted]

Update since this morning.
I called Advent Law. They sent an email to UOB.
UOB contacted me at 3pm. Said becos I am unemployed, my credit card will be cancelled and they will send me a letter with an officer's name to call to negotiate repayment.

I went to Citibank. Put up application to close my credit card and readycredit account.

Went to DBS. Counter staff gave me Collections Unit number to call.

Called Standard Chartered. The Collections Officer noted my financial hardship and have put my situation into their system. Not overdue yet.

OCBC Collections Office haven't called me back.


So it's sit and wait till next tuesday CCS info talk. After which I hope a meeting with a credit counsellor can be made asap to discuss immmediate actions.

In the meantime, still job searching and have lined up 2 inte4views next week, and one likely contract position offer.