Debt consolidation Plan

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chris_83

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LosingHope said:
What did the CSO said? Did uob view ur cbs report? I got free report from uob for new dcp application but i also think no hope... i dun get any calls or sms... so just wait for rejection mail maybe... 😔
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uob called ask me to apply through email, i not yet apply uob as the online keep error. but scb no result yet...sad. pray hard.
 
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LosingHope

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chris_83 said:
uob called ask me to apply through email, i not yet apply uob as the online keep error. but scb no result yet...sad. pray hard.
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Mine apply online... incomplete but they called me up and ask me send all the docs thru email... she even told me to sign the docs n the monthly payment n yr tenor... i dont want to hope much because mine is HZ... But my payment cycle all AAA except for dbs which already closed... but still paying monthly... they should consider...
Yours also HZ?
 
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chris_83

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LosingHope said:
Mine apply online... incomplete but they called me up and ask me send all the docs thru email... she even told me to sign the docs n the monthly payment n yr tenor... i dont want to hope much because mine is HZ... But my payment cycle all AAA except for dbs which already closed... but still paying monthly... they should consider...
Yours also HZ?
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mine is dd. previously bb because applied 4 cc to get a free report. now I think i just pay the cc min payment even not yet due, as i lost hope already.
 
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Handsome_guy said:
DRS will need you to show some form of stable income.

I think you file for bankruptcy. Even if bankrupt still can leave the country but need to get permission.
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You selft declare/apply DRS or have you engaged any lawyer or legal aid? The DRS are quite complicated, I not sure also the procedures/requirements and how to fill up so many legal forms?
 
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Aion99 said:
You selft declare/apply DRS or have you engaged any lawyer or legal aid? The DRS are quite complicated, I not sure also the procedures/requirements and how to fill up so many legal forms?
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I go thru a debt consultant. You are right. The DRS filing is not easy to diy. Without their help all the way, I may not succeed and maybe still stuck in the never ending cycle with banks.
 
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missymessy

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I got a notification that my HSBC account is closed due to dcp. Wonder why there are no news from other banks.
 
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LosingHope

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I emailed my CSO to know the result.. as today already the 5th working day since my application with UOB.. CSO from UOB then called me and said the usual processing time is 3-5 working days... she informed me that she will update mè whether the application approved or rejected by end of today.

Anyone experience at the end of the day application is approved or rejected? Anyone appeal after rejection then get approved?
 
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chris_83

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LosingHope said:
I emailed my CSO to know the result.. as today already the 5th working day since my application with UOB.. CSO from UOB then called me and said the usual processing time is 3-5 working days... she informed me that she will update mè whether the application approved or rejected by end of today.

Anyone experience at the end of the day application is approved or rejected? Anyone appeal after rejection then get approved?
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me worse. still no cbs free report from any banks. since last week wed/thu application. i gone case already.
 
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chris_83

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LosingHope said:
I emailed my CSO to know the result.. as today already the 5th working day since my application with UOB.. CSO from UOB then called me and said the usual processing time is 3-5 working days... she informed me that she will update mè whether the application approved or rejected by end of today.

Anyone experience at the end of the day application is approved or rejected? Anyone appeal after rejection then get approved?
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dont bother to appeal, same result. either try other banks or reapply same banks few months later.
 
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Handsome_guy

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LosingHope said:
I emailed my CSO to know the result.. as today already the 5th working day since my application with UOB.. CSO from UOB then called me and said the usual processing time is 3-5 working days... she informed me that she will update mè whether the application approved or rejected by end of today.

Anyone experience at the end of the day application is approved or rejected? Anyone appeal after rejection then get approved?
Click to expand...

If your total debt is less than $100k and you got a job, then go for DRS. Benefit you than constantly begging the banks.
 
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chris_83

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LosingHope said:
I emailed my CSO to know the result.. as today already the 5th working day since my application with UOB.. CSO from UOB then called me and said the usual processing time is 3-5 working days... she informed me that she will update mè whether the application approved or rejected by end of today.

Anyone experience at the end of the day application is approved or rejected? Anyone appeal after rejection then get approved?
Click to expand...

did uob cso tell you the result?
 
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LosingHope

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chris_83 said:
did uob cso tell you the result?
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Not yet tho... im anxiously waiting but still no call... maybe i just wait till tmr then...
I am also thinking of applying with
CIMB since i hv acct with them... the condition doesnt require to produce CBS report.. however, i understand they will still look into it...
 
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chris_83

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LosingHope said:
Not yet tho... im anxiously waiting but still no call... maybe i just wait till tmr then...
I am also thinking of applying with
CIMB since i hv acct with them... the condition doesnt require to produce CBS report.. however, i understand they will still look into it...
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cimb need to have cc with them. have you tried boc,scb,mbb and hsbc?
 
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