Debt consolidation Plan

[debted]

Think u replied to the wrong person

no i have not divulged by situation with anybody. not family. not friends.

it's been a lonely trench with my poor spending habits and the situation i am in now.

 

[debted]

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

Anyway, UOB are cancelling my credit card account wef. Next week I will recieve a confirmation letter with contact person to reach to nego payment.

If they throw the entire amount at my face, then I have no way to pay liow.

 

[debted]

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.

Sadly we are all alone. Thanks to this forum for allowing some kind of release. Otherwise we all sure check into IMH.

 

[Renaldory]

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.

How did your company get to know about your financial situation?

 

[chris_83]

hl rejected me even before submit my application...sighhh. mbb said my debt 20-21X...i wonder how they calculated. asked me tried after 2-3 months to reduce it. i guess if i able to reduce that fast, i dont have to take this dcp. worse, mbb asked me try other banks. and guys, pls dont anyhow use cc...sad!

 

[missymessy]

If I apply with 2 banks and both approve, what do i do?I have applied for SCB but DBS sent me their application form too.

 

[Renaldory]

If I apply with 2 banks and both approve, what do i do?I have applied for SCB but DBS sent me their application form too.

Then choose which bank u want to proceed with

 

[pororokia]

Sadly we are all alone. Thanks to this forum for allowing some kind of release. Otherwise we all sure check into IMH.

dont lose heart, fight on.

i used to be in this shiat hole 4-5yrs back and back then this thread didn't even exist, worst.

luckily for ccs and dmp, if not sure mati.

 

[LosingHope]

Anyone got his/her DCP approved with HZ scoring with CBS?

Debt 62k
NOA 51k
CBS HZ

 

[Renaldory]

Anyone got his/her DCP approved with HZ scoring with CBS?

Debt 62k
NOA 51k
CBS HZ

From what I know, HZ is the lowest grade, virtually all banks won't accept. Try improving your grade

 

[debted]

Tuesday evening I will attend the CCS Info Talk.
After that straight away will submit the relevant papers then hope will expedite a credit counselling session to discuss what options (however few) I have.
In the meantime also have interviews to attend. But HR processes about 1-2 weeks so the hope is then have job to pay for DCP or DMP or whatever quickfix solution.

Bankruptcy is very last choice... hope never have to explore this option.

 

[chris_83]

Tuesday evening I will attend the CCS Info Talk.
After that straight away will submit the relevant papers then hope will expedite a credit counselling session to discuss what options (however few) I have.
In the meantime also have interviews to attend. But HR processes about 1-2 weeks so the hope is then have job to pay for DCP or DMP or whatever quickfix solution.

Bankruptcy is very last choice... hope never have to explore this option.

add oil bro...

 

[dubiousboy87]

DCP approved SCB

Hi guys,

Just like to check if anyone has SCB approved?

I got my approved but told us we will still receive 1 credit card (do not intend to use)

but all my other SCB credit card, can continue to use just that the limit changed.

Any idea?

 

[Renaldory]

Tuesday evening I will attend the CCS Info Talk.
After that straight away will submit the relevant papers then hope will expedite a credit counselling session to discuss what options (however few) I have.
In the meantime also have interviews to attend. But HR processes about 1-2 weeks so the hope is then have job to pay for DCP or DMP or whatever quickfix solution.

Bankruptcy is very last choice... hope never have to explore this option.

How much do u expect to earn in your next job and how much do u owe? Evaluate if u will be able to pay off the debt with your new income

 

[LosingHope]

cc A 15k
cc B 13k
cc C 13k
cc D 7k
cc E 5k (closed currently on installment plan)
cashline 9k (closed currently on installment plan)

No late payment for other CC always on time. i decided to go for DCP but my CBS rating is HZ, is it hard to get approval. am i able to appeal? anyone can help? my salary is $4.3k.

 

[Anonymous1987]

Hi guys,

Just like to check if anyone has SCB approved?

I got my approved but told us we will still receive 1 credit card (do not intend to use)


but all my other SCB credit card, can continue to use just that the limit changed.



Any idea?

Hi bro..can i knw how much is ur total loan?

 

[Anonymous1987]

I have a total loan for about 39k.i jz took this loan less than 6mths..i applied for dcp at hsbc bank but was rejected.went to ccs but they told me there is a risk proposal from them(ccs)to be rejected coz i jz took e loan recently..any solution or alternative guys?tia..

 

[missymessy]

Seems like HSBC is v strict. Mine also rejected. Now waiting for scb

I have a total loan for about 39k.i jz took this loan less than 6mths..i applied for dcp at hsbc bank but was rejected.went to ccs but they told me there is a risk proposal from them(ccs)to be rejected coz i jz took e loan recently..any solution or alternative guys?tia..

 

[dubiousboy87]

53k w/o interest
63-65k w/ interest. 5years.

1 month pay.. 1083 p/mth.

Just to add on, my rating is .. BB. The officer is very experience.

She told me i would be rejected (Due to fresh loan, CBS not updated), but she say after she appeal i'd definitely get approve because i'm BB.

So yes, i got approved as of last week. 0/60 to go.

 

[chris_83]

feel envy on those who got their dcp approved while feel so sad about my own situation. i want to pay back but banks no give chance. abs criteria totally unreasonable.