Owe Bank alot of money because bonk too much..... - Page 9

lawry · #**121** 19-01-2005, 12:50 PM

Quote:

Originally Posted by SeXnOtEnOuGh

thanks again bro law
mi currently 25
the bank keep calling mi nwadays and sumtimes i even off my fone

pengs.. dont off phone.. talk to them.. negociate!!! off phone.. they will throw lawyer letter to scare u.. and u have to pay the 100 plus lawyer letter fees.. u 25 only!! stamina good! work 2 jobs! day job.. nite job.. me last time also work 2 jobs at ur age.. just endure.. weekend can sleep endure 5 days of little sleep... call them up. negociate.. lidat means u black mark liao.. cannot do fund transfer liao.. so the only way out is negociate.. or beg ur parents siblings to help u first..

dargonfly75 · #**122** 19-01-2005, 12:55 PM

Quote:

Originally Posted by SeXnOtEnOuGh

thanks again bro law
mi currently 25
the bank keep calling mi nwadays and sumtimes i even off my fone

Better on your phone. If the bank take action against you even worse.

Talk to them. Refer to Bro Lawry's advise on how.

How many credit card you have? Credit lines? Make sure your Credit card, you pay at least the min. Since you've maxed all, apply for another card/credit line and please, this is NOT for you to spend. It's for you to transfer your credit around so that your interest is lower. That way, you will be able to pay more to your principal and in the long run cut down what you owe. In the meantime, keep all your credit card at home.

#**123** 19-01-2005, 12:55 PM

Quote:

Originally Posted by lawry

pengs.. dont off phone.. talk to them.. negociate!!! off phone.. they will throw lawyer letter to scare u.. and u have to pay the 100 plus lawyer letter fees.. u 25 only!! stamina good! work 2 jobs! day job.. nite job.. me last time also work 2 jobs at ur age.. just endure.. weekend can sleep endure 5 days of little sleep... call them up. negociate.. lidat means u black mark liao.. cannot do fund transfer liao.. so the only way out is negociate.. or beg ur parents siblings to help u first..

mi 1 month pay minimum amount for each card ard 200 to 1 bank and total 6 banks. and after paying for a yr, to my horror i see the amount still the same!!
dare nt let my parents noe about it and even they knew it they oso can't help mi cos they depend on mi for my monthly allowance for them so i find it no point telling them.

#**124** 19-01-2005, 12:57 PM

Quote:

Originally Posted by dargonfly75

Better on your phone. If the bank take action against you even worse.

Talk to them. Refer to Bro Lawry's advise on how.

How many credit card you have? Credit lines? Make sure your Credit card, you pay at least the min. Since you've maxed all, apply for another card/credit line and please, this is NOT for you to spend. It's for you to transfer your credit around so that your interest is lower. That way, you will be able to pay more to your principal and in the long run cut down what you owe. In the meantime, keep all your credit card at home.

Bro i ahve 6 credit cards all max out

#**125** 19-01-2005, 12:59 PM

Quote:

Originally Posted by john teo

Bro, so sorry to hear. Ever heard of Tontine??? Check with parents. Mb they myt help. Nothing to be ashamed. Be warn not to check with those advertisment promising to talk to bank on yr behalf, lots of carp. Loansharks out also.
If you are earning OK, last choice, talk to the bank.
Longer repayment like what i did..... minimum or no interest added on but last resort. Only worry future if you do need to purchase house, myt not approve.
Wish I could help further...sigh...

thanks bro for ur reply
ur reply is a help to mi liao thanks

lawry · #**126** 19-01-2005, 01:01 PM

Quote:

Originally Posted by SeXnOtEnOuGh

mi 1 month pay minimum amount for each card ard 200 to 1 bank and total 6 banks. and after paying for a yr, to my horror i see the amount still the same!!
dare nt let my parents noe about it and even they knew it they oso can't help mi cos they depend on mi for my monthly allowance for them so i find it no point telling them.

Aido!!!

HEARD ME SAY!!!
TALK TO ALL SIX BANK!! SHOW THEM ALL THAT U HAVE OWE ALL THE LETTERS FROM ALL SIX BANKS! SHOW THEM UR SALARY SLIP.. WORK OUT A REPAYMENT PLAN WITH 50% OF UR PAY.... RENEGOCIATE INTEREST RATE! WORK 2 JOBS!! Go and find one more extra job.. make ur life busy.. time is money young man..

Michael · #**127** 19-01-2005, 01:10 PM

How about applying for a loan from the banks? The interest rates should be lower. The key is, for those money u owe, borrow from another source of lower interest so that you can pay off those with higher interest. Make use of bank loans, credit lines, etc. Otherwise forever you are stuck!

In the meantime, stay home and masturbate and stop spending MONEY!!!

I also have a similar case to yours but lucky not so much, and can cover with my bonus in the end, so not so bad.

In the end, if everything is successful, after paying off, get your credit card companies to LOWER your credit limit. Many thinks that high credit limit is cool, but actually hor, when u hit it, u are basically FUCKED becoz there's no way you can find 2 X monthly salary to pay back. Unless it's bonus time.

Also, some brothers suggested getting extra job, I think that is a good suggestion becoz firstly it takes up more of your time and energy and prevent you from having free time for bonking! Time is money. Everytime you spend time thinking of your problem would be better spent WORKING to earn money to repay it.

Anyway, just my 2 cents worth, hope it helps!

#**128** 19-01-2005, 01:55 PM

Quote:

Originally Posted by lawry

Aido!!!

HEARD ME SAY!!!
TALK TO ALL SIX BANK!! SHOW THEM ALL THAT U HAVE OWE ALL THE LETTERS FROM ALL SIX BANKS! SHOW THEM UR SALARY SLIP.. WORK OUT A REPAYMENT PLAN WITH 50% OF UR PAY.... RENEGOCIATE INTEREST RATE! WORK 2 JOBS!! Go and find one more extra job.. make ur life busy.. time is money young man..

ok bro will head ur advice

#**129** 19-01-2005, 01:56 PM

thanks Bros john teo and micheal for ur advice

Frankiestine · #**130** 19-01-2005, 06:01 PM

Quote:

Originally Posted by john teo

Bro Frankiestine, Well spoken. Just the begining is right.... Kids also suffer like shit. No regrets on the divorce though. But sure is tough days ahead after divorce. Cheers man. Not the end. You came and return from darkness so many time. Season leow...hehe. take care bro. Good luck to you. 4D today.

Damn talk abt luck, that day buy Burnley to beat L'pool match cancelled money refund. Yesterday forgot to buy, shit they really beat L'pool...

#**131** 19-01-2005, 06:16 PM

Quote:

Originally Posted by Frankiestine

Damn talk abt luck, that day buy Burnley to beat L'pool match cancelled money refund. Yesterday forgot to buy, shit they really beat L'pool...

hai i bought liverPOOL and becum a FOOL after the match

#**132** 19-01-2005, 06:57 PM

Quote:

Originally Posted by SeXnOtEnOuGh

hai i bought liverPOOL and becum a FOOL after the match

dear sir, i've been reading ur pleas n posts for advice n help with interest n empathy...haiz now only to find that u confess that u still betting on soccer matches

feel sad for u...

1st n formost sir u ought to hang up ur soccer hands, cos without them u'll not b able to continue gambling...once this is done then u may put into practice the advise abt getting 2nd job, talking to the banks, etc...
point is if u don't stem the bleeding of $$, however much $$ u pump into the system oso waste time lah...if u r serious abt getting out of ur credit spin...sir u have been adequately advised by many bros here, perhaps it's time to take some +ve steps???

my humble 2 cents worth
ignis sport
'on the road to finacial recovery'

dargonfly75 · #**133** 19-01-2005, 08:17 PM

Quote:

Originally Posted by SeXnOtEnOuGh

hai i bought liverPOOL and becum a FOOL after the match

What the fuck! Here you are saying money no enough,
there you are betting on football matches?
Haiz.. Dunno how to die is it?.. Haiz.. There's no such thing as sure win one!

1st thing 1st if you want to control you debt.. Stop all e nonsense like betting soccer match.. Shit, I love to bet too but if you are way in the red, its time to do something AND be disciplined abt it.

If you dun take tt 1st step, really good luck to you man.,

Sadman04 · #**134** 19-01-2005, 08:23 PM

I has never bet on football before. Firstly dunno how to bet.

Remember once during last world cup between China and Brazil. Was at NTUC buying 4D wif my gf. Both of us got the gut feelin score will be 4-0 in favour of brazil but dunno how to fill in the betting card. So drop the idea of buying. True enuff that nite the score was 4-0. Wat a bangboss...

lesnar · #**135** 19-01-2005, 08:38 PM

I good luck to thoes Bro who are in debts!!

I just passed my second week as Bankrupt....and i am glad about it..