Debt consolidation Plan

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Crazy12

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Mine approved on 14th march... till now ... nothing from them yet ... no letter no nothing ... just wait n wait nia.....
 
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Centralcoast

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Crazy12 said:
Mine approved on 14th march... till now ... nothing from them yet ... no letter no nothing ... just wait n wait nia.....
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This is a new loan so nobody knows how the process is like also, I think only the banks know what's next maybe give them a call and ask what's the next step

At least at the moment you are relief as it's already been approved and all credit facilities has been suspended
 
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multi

multi

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Crazy12 said:
Mine approved on 14th march... till now ... nothing from them yet ... no letter no nothing ... just wait n wait nia.....
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My CSO at least got contact me. Also, iBanking show there's a new account being set up, debit card pin is issued, was informed via SMS that my new credit card is approved and will be arriving within 7 days....This are the few things happening so far.

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Louis81

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BOC approved. Last Tue apply. This Tue money paid to all banks.
Rating EE.
NOA 82800.
Debt 86700. Exclude buffer.
Very efficient and fast.
 
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Centralcoast

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multi said:
Mine approved last Friday but this week got some payment due... Should I pay or not? Ask CSO, she can't give a good answer. Telling me to pay just in case....

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If I'm u I will pay minimum payment so as not to incur late payment charges which will eat up ur 5% buffer. The buffer is still ur money which can claim back if there is any left. Afterall any excess payment the banks will return u
 
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multi

multi

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Centralcoast said:
If I'm u I will pay minimum payment so as not to incur late payment charges which will eat up ur 5% buffer. The buffer is still ur money which can claim back if there is any left. Afterall any excess payment the banks will return u
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Yes, agree. I paid the minimum sum already. :)
 
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Louis81

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multi said:
I check all my CC ibanking balance, seem like no payment made, CSO also don't know when the payment will be activated. So, to be safe, just pay min sum and see how.
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For citibank, already incurred late charge so let BOC settle.
 
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melbourne10

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Louis81 said:
BOC approved. Last Tue apply. This Tue money paid to all banks.
Rating EE.
NOA 82800.
Debt 86700. Exclude buffer.
Very efficient and fast.
Click to expand...

I notice that BOC uses AIR not EIR. What's the difference between Applied and Effective (is there even a difference?)
 
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