Debt consolidation Plan

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Louis81

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Crazy12 said:
Actually not sure on flat rate. They told me existing customer is 4.22%. Tenure 6-7 years. 10 years is think is 5.07%. Funny figures but ya they told me this. EIR I dunno Liao
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Did they ask for letter here n there for instalment plan or loans like citi?
 
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multi

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Anyone know credit bureau update their statement date? If I want to know my latest rating, always show 2 months ago figures. For March, when is the best time to buy the Credit rating statement so that it show last month figures?

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melbourne10

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lodestone said:
Is easy to tell others but when it happen to us.. Is really ...

To keep paying bank min sum payment monthly ...i resorted to borrowing from legal money lender.

I make a big mistake... It make me own more...
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If debt is below $100k they will put you under DRS instead of bankruptcy

Bankruptcy is damn mafan so pls avoid it if you can

https://www.mlaw.gov.sg/content/io/en/bankruptcy-and-debt-repayment-scheme/debt-repayment-scheme.html
 
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Louis81

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I have a question. If my dbs statement credit card factored in 1 month of instalment loan and reflect balance is 21/60 months. For closure of loan plan, do we still include the 1 month charged to credit card?
 
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pororokia

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seriously lodestone, u shldnt waste time liao. go approach ccs for help.

they help pple like us.

u go attend the talk then u will know many is in similar situations. forget abt this dcp thing which give alot of pple false hope.

there's no shame in approaching ccs for help.

earning 2.7k gross and owing 70k+ is really too much to handle.

i took home higher den u, own lesser than u also felt damn stress already.
 
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pororokia

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u havent even got chased by banks, i got chased by banks, received writ of summons.

i was damn worried they will come auction my stuffs cos i own a house.

i went thru the most paranoid 2 mths of my life. imagine the amount of stress i went thru when my daughter was delivered in march and my dmp only got approved in may.

the delivery fees, the gynae fees, with banks chasing me. i can't even share my problems with anyone.
 
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Louis81

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One thing good about BOC is declaration form for those bank not able to issue settlement letter. U can pen down the figures as per tele conversation.
 
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