Money problems
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i have one fren owe the bank , loan shark all in all about $190 K earlier this year he told me the debt was only 150 K... what he does is borrow here to pay the which ever amoutn need to be settle first or due .. and he has not been working for 2 years liao ... he only pay the minimum sum for his credit card and surprising he still drive a nice and decent car, buy branded stuff and date a few girl and they are those quite chio babes they do not know his plight of cos.. only his long time girlfren know about this... You got to salute him for his ingenunity... can still have fun .. his strategy is to go bankrupt after 5 years or so... he cant pay his creditor will discharge him.. the creditor also cannot reposses his HDB flat (is this true ? can someone advise)
anyway now he is only 35 like he said he can alway start a fresh..
I am sure you have pple around who is like him as well .. the moral of sharing my fren plight is ... actually is not so bad to be broke and bankrupt .. its a state of mind.. he is so carefree even he is in deep shit now -
when u go bankrupt, u can't leave the country.Originally posted by seancannot:i have one fren owe the bank , loan shark all in all about $190 K earlier this year he told me the debt was only 150 K... what he does is borrow here to pay the which ever amoutn need to be settle first or due .. and he has not been working for 2 years liao ... he only pay the minimum sum for his credit card and surprising he still drive a nice and decent car, buy branded stuff and date a few girl and they are those quite chio babes they do not know his plight of cos.. only his long time girlfren know about this... You got to salute him for his ingenunity... can still have fun .. his strategy is to go bankrupt after 5 years or so... he cant pay his creditor will discharge him.. the creditor also cannot reposses his HDB flat (is this true ? can someone advise)
anyway now he is only 35 like he said he can alway start a fresh..
I am sure you have pple around who is like him as well .. the moral of sharing my fren plight is ... actually is not so bad to be broke and bankrupt .. its a state of mind.. he is so carefree even he is in deep shit now
u can't purchase stuff on instalment.
u cannot have a car.
u cannot apply for any form of credit.
u might find it hard to get a job next time. (can't rmb the exact reason..
think sth to do with employers not willing to run the risk of havin someone who will embezzle company funds. maybe it's related to sth else.)
hmm will post more if i can remember... my folks were bankrupts once. -
There are alot of reason to declare bankrupt but most of the reason is due to overspending.Thats what your friend is doing.If one know there are tight on financial,they should tighten their wish list and only do the neccessary.Thats my personal view.Declaring bankrupt will cause alot of trouble and its very irresponsible too.It will effect your chances of getting a new life again with a new job.
Thomson medical centre told us the same reason.As now my husband has started work after the few months of being jobless.They cant grant us the installments...basically I m just out of wit here so I m seeking for help.And nobody declare bankrupt just cos the bills are backdated for about 2k and medical bills about 2k is needed right?
Maybe some will think that we are borrowing from one pit to fill another pit.No cant say it that way.Its circumstances thats happening that we need to do something cos the circumstances couldnt wait for us to recieve the paycheck.I hope can understand this point.
Mod,I m sorry if I flooded the lady's thread.I m new to forum thingy so I do not really know the rules.sorry about that. -
he has not declared bankrupt still able to survive with borrowing here and there. And still able to act big and talk big in front of the girls. But those who know him for long are his debtor ... luckily he owe me $100 only.Originally posted by shinta:when u go bankrupt, u can't leave the country.
u can't purchase stuff on instalment.
u cannot have a car.
u cannot apply for any form of credit.
u might find it hard to get a job next time. (can't rmb the exact reason.. think sth to do with employers not willing to run the risk of havin someone who will embezzle company funds. maybe it's related to sth else.)
hmm will post more if i can remember... my folks were bankrupts once. -
Sorry to hear about your plight .. how much do you need to tide over this period.. 10 K?Originally posted by kelly_tay:There are alot of reason to declare bankrupt but most of the reason is due to overspending.Thats what your friend is doing.If one know there are tight on financial,they should tighten their wish list and only do the neccessary.Thats my personal view.Declaring bankrupt will cause alot of trouble and its very irresponsible too.It will effect your chances of getting a new life again with a new job.
Thomson medical centre told us the same reason.As now my husband has started work after the few months of being jobless.They cant grant us the installments...basically I m just out of wit here so I m seeking for help.And nobody declare bankrupt just cos the bills are backdated for about 2k and medical bills about 2k is needed right?
Maybe some will think that we are borrowing from one pit to fill another pit.No cant say it that way.Its circumstances thats happening that we need to do something cos the circumstances couldnt wait for us to recieve the paycheck.I hope can understand this point.
Mod,I m sorry if I flooded the lady's thread.I m new to forum thingy so I do not really know the rules.sorry about that.
If this is so I think your close fren would not mind parting with $$$ -
Kelly,Originally posted by kelly_tay:There are alot of reason to declare bankrupt but most of the reason is due to overspending.Thats what your friend is doing.If one know there are tight on financial,they should tighten their wish list and only do the neccessary.Thats my personal view.Declaring bankrupt will cause alot of trouble and its very irresponsible too.It will effect your chances of getting a new life again with a new job.
Thomson medical centre told us the same reason.As now my husband has started work after the few months of being jobless.They cant grant us the installments...basically I m just out of wit here so I m seeking for help.And nobody declare bankrupt just cos the bills are backdated for about 2k and medical bills about 2k is needed right?
Maybe some will think that we are borrowing from one pit to fill another pit.No cant say it that way.Its circumstances thats happening that we need to do something cos the circumstances couldnt wait for us to recieve the paycheck.I hope can understand this point.
Mod,I m sorry if I flooded the lady's thread.I m new to forum thingy so I do not really know the rules.sorry about that.
You really need to seek help from some higher management from TMC.
By the way, you mentioned your parents & siblings are not willing to help. How about cousins? Those closer to you. -
The person I spoke to at TMC is the manager of business department.The man who deal with installments.I only need max 4k to tie over this period.Not the big 10k amount lah.I dont have any close friend.The only one was the one I helped years ago but she is not able to repay me any cents at the moment.No point keep forcing her as me alone stressed is enough.No point stressing her if she doesnt have...
I dont have any cousin able to help.Among all my cousins,we were the most well to do one.Only I helped them but so far I never even get back any cents I helped them with in the past.
One of my younger cousin helped us to borrow from singpost ezycash but was rejected...at least she bother to help by applying for it....
Thats why I needed help from strangers...a few amount here and there might bring to the figure I need and then after this tough time,I can pay back one by one...
Someone suggested pawnshop...I dont have any jewels cos I m allergie to gold.Will get rashes if I wear gold...even my wedding ring is silver plated. -
If your salary is above $1.5K, u can borrow from TCC (by Telecom) at Killiney rd.. but needs to guarantors...Originally posted by smudgey:Hey all, my friend recently came to me to confess that he has some money problems... He needs about S$10,000 to pay for something (that's private but really necessary).
he tried applying for loans from all the banks but because his mnthly income is still below 2k, none of them are approved.
is there anywhere else that offers personal loans??
any one has any idea??? -
Paiseh, shld be two guarantors -
It's ok... Just thought it might do everybody good..?Originally posted by kelly_tay:Mod,I m sorry if I flooded the lady's thread.I m new to forum thingy so I do not really know the rules.sorry about that.
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how's the interest rates like?Originally posted by YoGurt75:If your salary is above $1.5K, u can borrow from TCC (by Telecom) at Killiney rd.. but needs to guarantors...
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Check out their website http://tcc.org.sgOriginally posted by smudgey:how's the interest rates like?
Its about 12.8% per year[/list] -
I would want to lend money to people If I can get 12% Problem is against the law, i still remember my fren told me he lend money to his colleague last time with an IOU but without any interest , but later the guy default and refused to pay and accuse him of being a illegal money lender and report to Police!
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thanks MCY...
I'll check it out...
Originally posted by MCY: -
seancannot,
I dont mind paying you 12% annual interest if you are able to help out.No police would be involved and it would be between you and me.
I called the TCC.Looks like its another singpost eazycash.I even emailed the singpost ezycash CEO and he even emailed to the finance part to review the application,also rejected.No reason given.Applicant dont have debts with banks at all and matched all they required also rejected.Not fair. -
I have PM you Kelly. I am sure quite a few kind soul would want to help you.
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I m not sure about kind soul.I m still pleading for the kind soul to help me.I know my need of figure is bigger but if I can get a little amount from each and every kind soul,I will draw IOU with them and allow me to pay them back one by one after baby borned.
I have get many responses from others,asking for hanky panky purposes.They must be sick,I m a pregnant woman due for soon.....
Please someone help me out in this... -
Here's a little warning and advice for those who wishes to lend out their money to the needy...
Don't only think of 'black and white'... Sometimes you're good, but they're 'BETTER'...
IF you really have to do something like that... Unless you're PREPARED NOT to get your $ back...? GOOD LUCK...
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Totally agreed , I have played kind soul too many times and paid for it.
Even your IOU cannot be recongnise in the court of law (somebody can verify)
like what was mentioned be prepared to risk the $$$ you loan -
totally agreed with the moderator.I have come across this myself but we cant spam everyone for just some black sheep right?
I know certainly some will think I m some con but why would someone pregnant pleading for help if she doesnt require? -
I agree with devil,
no offence kelly, but i do think that when you intend to lend out money to anyone (esp ppl you hardly know online) you have to be prepared to not get that money back. -
Sad but its true u cant even trust your so called ' fren ' sometime. lending $$ is always a risk. I have lost 2 fren ship this way.
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Sorry to be blunt, but the reasons can be PLENTY.. So far I've yet to have seen anyone who's allegic to money?Originally posted by kelly_tay:totally agreed with the moderator.I have come across this myself but we cant spam everyone for just some black sheep right?
I know certainly some will think I m some con but why would someone pregnant pleading for help if she doesnt require? -
ya I did too....Originally posted by seancannot:Sad but its true u cant even trust your so called ' fren ' sometime. lending $$ is always a risk. I have lost 2 fren ship this way.
when I lend money to a friend, i take it as I'm gambling. If I win I get back both my money and my friendship. If I lose, I lose both. -
Kelly,
You are worse off than a beggar! What is your husband doing? Is he not responsible for both your current situation. Get in your head that nobody will just loan you money just be reading your plead thru the website. the only people who can help you are your parents and parents-in-law. Even you have to knee to beg your mum, you have to do so instead of resorting to begging on the website. You are spending beyond your means so there is no pity for people like you!