Debt consolidation Plan

[Carlingford]

LLST have to do it leh..I rather get it done & over with so that I can start on my repayment sooner rather than my unsecured facilities being all cancelled by the banks and getting calls left right centre or even worse kana lawyer letters when the new 18 month rules kicks start in June

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.

 

[lodestone]

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

Ccs is our onli hope...

 

[fengshuiawareness]

Hope i can help abit....

East side is 8 wealth star flying to this sector for 2017.

Activating this sector might help with financial gain.

Only do it in the living room as this is the main qi coming in from the doorway.strongest qi always at the first incoming area from outside.

No harm trying activate this sector with a bowl of moving water or fish tank.


Good luck guys.

 

[multi]

Hope i can help abit....

East side is 8 wealth star flying to this sector for 2017.

Activating this sector might help with financial gain.

Only do it in the living room as this is the main qi coming in from the doorway.strongest qi always at the first incoming area from outside.

No harm trying activate this sector with a bowl of moving water or fish tank.

Good luck guys.

Other than bowl of moving water or fish tank, any other item? How about a small clock? Since the second hand is moving...

Sent from LGE LG-H990 using GAGT

 

[pororokia]

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.

if u want them to help u, of cos they need to know your monthly expenses to help u compile and propose a suitable amount to pay monthly mah.

if not how they gonna randomly pluck a figure to propose to all banks?

dcp is not easy also, dmp is not difficult and not much diff from dcp also.

having a cso attached to u and helping to fight for dmp approval actually its alot better leh.

 

[Carlingford]

if u want them to help u, of cos they need to know your monthly expenses to help u compile and propose a suitable amount to pay monthly mah.

if not how they gonna randomly pluck a figure to propose to all banks?

dcp is not easy also, dmp is not difficult and not much diff from dcp also.

having a cso attached to u and helping to fight for dmp approval actually its alot better leh.

Bro...What documents do I need to compile for CSS ah ? Example insurance premium, i never keep a copy of the receipt leh...

 

[lodestone]

can try fengshui method to add in some help....

 

[melbourne10]

Bro...What documents do I need to compile for CSS ah ? Example insurance premium, i never keep a copy of the receipt leh...

DCP docs are a good start. U alrdy have ur CPF, balances, NOA, etc

For insurance, just show proof of the monthly GIRO amounts

For monthly budget, just have to be reasonable, CCS doesn't expect you not to eat and drink and travel around SG, but if you are a taxi person be prepared for them to advise you to take bus

 

[Louis81]

BoC can apply at branch? Are they very stringent on documents?

 

[Carlingford]

DCP docs are a good start. U alrdy have ur CPF, balances, NOA, etc

For insurance, just show proof of the monthly GIRO amounts

For monthly budget, just have to be reasonable, CCS doesn't expect you not to eat and drink and travel around SG, but if you are a taxi person be prepared for them to advise you to take bus

Ok...thanks bro..so I can get the consultation request form at the end of the info-talk ?

 

[melbourne10]

Ok...thanks bro..so I can get the consultation request form at the end of the info-talk ?

3 things:
Green form - proof of attendance, must submit if you intend to apply for DMP
White form - self help kit, can be downloaded online
Blue form - this is the impt, MUST take one, the DMP form (take 2 or 3 if they have extra, in case you mess up while filling in)

 

[Carlingford]

This journey of uncertainty has indeed affected me quite a bit, as I'm sure most of the bros / sis (not sure there are any) can feel the same also.

I just started writing this blog just to relieve my stress level (cannot possibly go around telling family & friends about this sort of things right ?)
I will try to update the blog over my debt restructuring journey. Hope that it can help others in their debt restructuring journey in future also.

https://restartingmylifeblog.wordpress.com

 

[Carlingford]

3 things:
Green form - proof of attendance, must submit if you intend to apply for DMP
White form - self help kit, can be downloaded online
Blue form - this is the impt, MUST take one, the DMP form (take 2 or 3 if they have extra, in case you mess up while filling in)

Thanks bro !...I hope HSBC will approve your DCP application lah....it's bad going through this period of uncertainty..but never give up !

 

[melbourne10]

3 things:
Green form - proof of attendance, must submit if you intend to apply for DMP
White form - self help kit, can be downloaded online
Blue form - this is the impt, MUST take one, the DMP form (take 2 or 3 if they have extra, in case you mess up while filling in)

Blue form is called the "counseling request package" - remember to pick it up

The form also states clearly that counseling will not guarantee a successful DMP

 

[melbourne10]

Thanks bro !...I hope HSBC will approve your DCP application lah....it's bad going through this period of uncertainty..but never give up !

Waiting game la bro. At least got this forum thread, not so lonely

 

[member8]

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

No Louis I didn't.
I received a call from HSBC today. The lady is still alive! no news yet!
DBS is submitting my application and it will take at least 14 days!
My new report's rating is HH.
I'll update you regularly Bros.

 

[member8]

Waiting game la bro. At least got this forum thread, not so lonely

No you're not lonely bro
It feels good to have this thread.

 

[melbourne10]

No Louis I didn't.
I received a call from HSBC today. The lady is still alive! no news yet!
DBS is submitting my application and it will take at least 14 days!
My new report's rating is HH.
I'll update you regularly Bros.

HH is a signal to look at other options while you wait for the final reply

 

[member8]

This journey of uncertainty has indeed affected me quite a bit, as I'm sure most of the bros / sis (not sure there are any) can feel the same also.

I just started writing this blog just to relieve my stress level (cannot possibly go around telling family & friends about this sort of things right ?)
I will try to update the blog over my debt restructuring journey. Hope that it can help others in their debt restructuring journey in future also.

https://restartingmylifeblog.wordpress.com

That's very helpful bro! Can we comment there or just for reading?

 

[Carlingford]

Blue form is called the "counseling request package" - remember to pick it up

The form also states clearly that counseling will not guarantee a successful DMP

Understood...they cannot guarantee anything to anybody without knowing the financials...It could be my best bet for debt restructuring..otherwise when the new debt limit is implemented, confirmed GG (same as my CBS rating).