Debt consolidation Plan

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Louis81

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iceboar said:
the requirement is loan amount needs to be minimally 12 months of your monthly income.

i am short of a few thousand to hit the minimum. does anyone thinks its wise to take personal loan from other banks to hit the minimal loan amount? Or is it a stupid idea?
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What yrs NOA?
 
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Carlingford

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Centralcoast said:
I was informed 7 to 14 days lol
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I was told 7 to 10 working days.

Headache..was just doing my calculation, this month the minimum payment would leave me with less than $50 left for my makan for the month !! What should I do now ?

I was thinking of making payments on a pro-rata basis for this month so I can at least meet my living expenses..my savings almost all gone liao...anyone has idea on the waiting time for phone counselling ? I know face to face counselling session waiting time is around 1.5 - 2 months.
 
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Centralcoast

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Carlingford said:
I was told 7 to 10 working days.

Headache..was just doing my calculation, this month the minimum payment would leave me with less than $50 left for my makan for the month !! What should I do now ?

I was thinking of making payments on a pro-rata basis for this month so I can at least meet my living expenses..my savings almost all gone liao...anyone has idea on the waiting time for phone counselling ? I know face to face counselling session waiting time is around 1.5 - 2 months.
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I couldnt even pay the minimum this coming due date.thats why desperate
 
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melbourne10

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Carlingford said:
I was told 7 to 10 working days.

Headache..was just doing my calculation, this month the minimum payment would leave me with less than $50 left for my makan for the month !! What should I do now ?

I was thinking of making payments on a pro-rata basis for this month so I can at least meet my living expenses..my savings almost all gone liao...anyone has idea on the waiting time for phone counselling ? I know face to face counselling session waiting time is around 1.5 - 2 months.
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Bro this one jialat. Monday after CCS talk u better inform the guy and ask the procedure for expedited counseling session.

In the meantime (and this may not be good advice) - pay the minimum then for basic expenses charge back to the card. Take your current free limit and minus 2x of the interest charge - you can spend a bit of that amount.
 
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lodestone

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Carlingford said:
I was told 7 to 10 working days.

Headache..was just doing my calculation, this month the minimum payment would leave me with less than $50 left for my makan for the month !! What should I do now ?

I was thinking of making payments on a pro-rata basis for this month so I can at least meet my living expenses..my savings almost all gone liao...anyone has idea on the waiting time for phone counselling ? I know face to face counselling session waiting time is around 1.5 - 2 months.
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For me... I becum a useless son.need my mum to fork out her saving to help me for a while.:(
 
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Carlingford

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melbourne10 said:
Bro this one jialat. Monday after CCS talk u better inform the guy and ask the procedure for expedited counseling session.

In the meantime (and this may not be good advice) - pay the minimum then for basic expenses charge back to the card. Take your current free limit and minus 2x of the interest charge - you can spend a bit of that amount.
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Good Advice....I shall inform the guy of my request for expedited counselling...
For the expenses, probably I would have to get a few hundred or a thousand from my wife to 'dong' for this month while I get the CCS counselling done...but still headache lah...cannot be I get $1K from wifey every month until the DMP is settled right ?
 
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melbourne10

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Carlingford said:
Good Advice....I shall inform the guy of my request for expedited counselling...
For the expenses, probably I would have to get a few hundred or a thousand to 'dong' for this month while I get the CCS counselling done.
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You have any CC or OD with spare limit?
 
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melbourne10

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CCS advice - don't skip minimum payment because you will be slapped with late fee. That one alone can murder you.

My (bad) advice - pay the minimum payment and conservatively use the free limit to survive.
 
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