Debt consolidation Plan

[Louis81]

Letter of unbilled balance for credit card installment purchases, DBS insist on Citi to refer to the breakdown of unbilled balance as provided at end of credit card statement.

Statement is as per the date dated.
DBS got unbilled. This can be printed out by individual.

 

[Carlingford]

BOC CSO say they ll help me calculate

Ya...BOC not so stringent in terms of documentation...but i got rejected by them liao..don't think got any chance with them in near future..

 

[Louis81]

For BOC , if u can't get the letter, all u need is provide your outstanding and check with the bank how many % penalty for early settlement. Get their names also. I did it this way

The declaration form i never see any date.

 

[Carlingford]

Statement is as per the date dated.
DBS got unbilled. This can be printed out by individual.

Precisely lor...but Citi refuses to accept this..(at least in my case lah)...

 

[Centralcoast]

Precisely lor...but Citi refuses to accept this..(at least in my case lah)...

Didn't they realize their billing is also like this? Then I guess I will give it a miss becos I also have instalments loan with dbs, getting them to provide all these details is impossible unless u r taking dbs dcp loan.

 

[Centralcoast]

Anyone tried may bank? How long the processing take?

 

[melbourne10]

I think no one here has tried Maybank.

 

[Carlingford]

I remember got one bro here tried Maybank..Got rejected...

I think no one here has tried Maybank.

 

[Louis81]

Me submit final statement to BOC. Hopefully next tue will know

 

[melbourne10]

Just resubmitted to Citi.
- 5 years tenure, rating FF, DCP amount is 1.12x annual income.
- Latest CBS report shows A for last 12 months.
- Installment is 36% of monthly income before CPF, 45% of monthly income after CPF.

This takes into consideration all the various theories we have been discussing on this forum thread. We'll see what happens in 3 working days, next Wed.

 

[Carlingford]

Just resubmitted to Citi.
- 5 years tenure, rating FF, DCP amount is 1.12x annual income.
- Latest CBS report shows A for last 12 months.
- Installment is 36% of monthly income before CPF, 45% of monthly income after CPF.

This takes into consideration all the various theories we have been discussing on this forum thread. We'll see what happens in 3 working days, next Wed.

You never wait for HSBC final reply ah ?

The tele-agent from HSBC just called me asking for me to re-submit my CPF data through the ecpf function again as my prior authorisation has expired.

 

[melbourne10]

You never wait for HSBC final reply ah ?

The tele-agent from HSBC just called me asking for me to re-submit my CPF data through the ecpf function again as my prior authorisation has expired.

I take it as the application is dead. If they call me before Wed then I'll tell Citi to stop the processing. Ok la a bit risky but #whodareswins (lol)

 

[Carlingford]

I take it as the application is dead. If they call me before Wed then I'll tell Citi to stop the processing. Ok la a bit risky but #whodareswins (lol)

Damn hiong....wish you all the best ...let us know

 

[Centralcoast]

Just resubmitted to Citi.
- 5 years tenure, rating FF, DCP amount is 1.12x annual income.
- Latest CBS report shows A for last 12 months.
- Installment is 36% of monthly income before CPF, 45% of monthly income after CPF.

This takes into consideration all the various theories we have been discussing on this forum thread. We'll see what happens in 3 working days, next Wed.

Wanted to pull that stun too. Too much waiting without any guarantee makes u wonder.

 

[melbourne10]

Only cuz it's Friday and I rly doubt HSBC is going to get back to me today, and I don't wanna waste my day off. Chop chop settle my next application.

 

[melbourne10]

Ok called HSBC and got through to a human - but not the CSO handling my case. I insisted that they get her to call back today. See how.

 

[Centralcoast]

Ok called HSBC and got through to a human - but not the CSO handling my case. I insisted that they get her to call back today. See how.

I think try to get her on her direct phone higher chance

 

[Centralcoast]

You never wait for HSBC final reply ah ?

The tele-agent from HSBC just called me asking for me to re-submit my CPF data through the ecpf function again as my prior authorisation has expired.

When u submitted ur application?

 

[Centralcoast]

Just checked cbs website still no free report. No news = good news?

 

[melbourne10]

When u submitted ur application?

Direct phone no answer, and no call back!

Submitted on 28/2, declined 3/3, put up for review, outcome was expected in 7-10 days.