Debt consolidation Plan

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Carlingford

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Congrats bro ! Don't mind sharing sharing which bank, loan amt, annual income, CBS rating & loan tenor ?

england234 said:
i aways try to google on people talk about their debt earlier but hard to find...now this thread so nice people sharing all experiences & helping each otheer so warm to be in same boat..
at least know we not alone..so scary sometimes panic and cannot slp at night..
sigh
we mus learn from our lessons & try to improve after we solved our problems.

i was from RAS past 1 year & i stopped using credit card & switch to debit card..really at first not used to it..
after tat used to it liao lor..& saving every cent to pay my min payment every month
cos my the other half still rolling....(RAS only help 50%)
so start to roll high till every month min payment now aso not enough...tat y i applied dcp..really lucky to get approved...
my credit rating like HH, GG , HH, EE flunctuating around last year.
once my dcp start , even i got credit card i aso dun wan use anymore..scary..lor credit card..so high interest roll till.
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england234

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Carlingford said:
Thanks bro..I will attend the CCS info talk & go for Counselling session before making my decision..Anyway I had been rejected by 2 banks for DCP so no point rushing for one now
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Yea ccs ppl r nice wil guide u de..u c whole room full..
 
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england234

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melbourne10 said:
They supposed call me back this noon but didn't.

No news dunno whether is good news or bad news 😐
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dono y i feel their pattern reject people is very fast compared with processing approval.
so no news is good news aso...
b patience & wait lor..
if dcp reject then try dmp..
 
sneggg

sneggg

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Actually you know what for those married be open to your Wife use her name to apply balance transfer to pay.

Of course must pay don't sabo yr Wife !!
 
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england234

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Louis81 said:
1 mth ok la 2 mths die liao default x 3
Dont know got urgent case anot
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ya cos they need meet u alone....talk to u after u submit for dmp...
then they submit to banks
then wait bank approved & send u letter
then u go open account wit banks if needed
then wait bank open account for u to pay to them wit the stated amt
so all these abt 1 to 2 mths for all settle
 
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