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Need Advice on Returning to SG

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Comments

  • @popoy tnx jan sa input mo regarding sa unpaid phone bill. ung sa akin naman is bank lng and wla naman problem about sa bank kasi wla pa daw sila ginagawang any legal proceedings and they waiting for me to come back and arrange a settlement once maging ok na and makahanap ulit ng work. Which yan sinabi ng kausap ko na banker and verbal lng no black n white un lng naman concern ko. At least may hawak ako na legal evidence if IO will ask a question. Tnx
  • @jm2017 wat I mean sir, kung sa phone bill lang meron record ang IO sa SG at pwedi ka nila hold wat more kung utang pa sa banko dba? pano ka sir makakasigurado hindi ka mahohold sa IO SG?
  • edited June 2017
    tama si @popoy , lahat ng records mo alam ng lahat ng ahensya. i key-in lang FIN/IC lalabas na lahat ng details/records mo pati utang.

    pero baka tama rin naman yung banker mo @jm2017 , iba naman kasi ang case mo compared sa hindi talaga nagbayad. at least ikaw nagbabayad kahit lower than minimum pa
  • @jm2017 Kung tama po yung pagkakaintindi ko na kahit papaano, nagbabayad ka pa rin ng minimum payment kada buwan, wala ka pong dapat alalahanin.
  • @AhKuan below the minimum sir. salamat
  • @AhKuan below the minimum sir. salamat
  • lol!! Pinoy lang ata talaga ang gumagamit ng CC limit as status symbol.

    Anyway, bankers = lenders, kung may utang ka sa bangko (lender in this case) they will tell you all the things you wanted or needed to hear just to make sure you return and pay, kaya nga hindi black and white usapan niyo puro verbal.

    Bottomline diyan, ang sagot talaga sa tanong eh malalaman niyo lang mangyayari kapag andun na kayo mismo sa entry point, sa immigration counter, at that exact moment niyo malalaman kung makakapasok kayo o hindi.

  • I really love this forum until I saw this thread. Sad. Well... I can't have it all. Salamat pa rin sa mga nagtitiyaga na sumagot sa mga tanong namin without hurtful comment. Mas marami pa rin ang benefit, even in this thread marami pa ring matututunan.
  • edited June 2017
    @reeaahh kapag andito ka na based at ma experience mo yung mga balita na may mga kababayan na tinatakbuhan ang mga bills sa telco, bank/lender loans, credit card bills, pati installments sa Courts (appliance store, for an ultra wide ultra-thin, smart TV they don't need, a camera they don't know how to use, an expensive phone they cannot afford, a high-end laptop that they use just to browse) tinatakbuhan, ay naku ewan ko lang kung di kumulo dugo mo. Worried ka sa racism di ba, yan ang isa sa all too common na magiging prejudice sayo kapag andito ka na, thanks to all kababayans who came before you na ginawa yan.
  • @tambay7 totoo yan. yung mga dating nakatira sa unit namin hanggang ngayon pinapadalhan ng sulat ng mga lenders at credit card.

  • @tambay7 Tapos may guts pang magtanong sa forum kung ibabawas ba yung utang nila doon sa CPF nila pagka withdraw. hehehe ......
  • Meron din akong dating kasama sa bahay, umuwi na ng Pinas for good. Tapos lately lang naming nalaman na ang laki pala ng utang na iniwan nya dito. Parang every 2 weeks may dumadating na sulat sa kanya galing sa lender.
  • Yeah, thanks @tambay7 @ezzy @AhKuan @alingnena I understand. This forum gives me the real and sometimes sad but needed stories. Well, I hope mga kababayan natin matuto sa mga nagawa nilang ganun. Ang hirap mabaon lalo at nasa labas. As for me, idadagdag ko to sa learnings at sa maaaring paghandaan na prejudice ng iba.
  • sa mga kababayan po natin na nabaon sa utang sa bangko sa dito sa SG. Wag po natin takbuhan.May solution po dyan. Punta po kayo dito sa site na ito at umattend ng seminar nila para malaman nyo ang mga steps para matulungan nila kayo para magkaroon kayo ng repayment plan sa banko ninyo sa mas mababang interest rates at feasible repayment plan according sa inyong monthly income:

    http://www.ccs.org.sg/
  • thanks for all the comments and inputs. It was a great day for me here in Sg that I was able to fully settle my obligation with the bank and started my first day of work. God bless us all!
  • Oo obligation po na bayaran ang utang kasi hiniram lang yun at para hindi madamay ang mga ibang pinoy na marangal na nagtatrabaho. Medyo nakakasira po kasi sa image ng mga pinoy yan kaya siguro isang reason yan kaya mailap sa pr approval ang mga pinoy.
  • ryanc - Yes, wala ako plano takbuhan yan and kahit wala pa ulit ako dto sa Sg nagbabayad ako kahit minimum payment. Actually, risk ng bank yan to offer it to a foreigner w/ pass holder status since we do have only 2 yrs guaranteed stay and sure job. Hindi lng naman yan ung reason, since noon pa maraming gumagawa ng kalokohan dito lalo na sa FnB industry not to mention those cases na since its already considered as crime here in Sg. Anyways, iba po kasi ung case ko compare to them and hindi po ako papasira sa ganyan na amount, if gusto ko gumawa ng ganyan noon pa since on my current job I can easily make 100-300K Sgd, pero hindi pumasok sa isip ko yan na gawin kasi alam ko masama and ung image ng Filipino masisira and thats the reason why I was able to secure a good job again here. Thanks.
  • @jm2017 100-300K Sgd??? in a year po ba? wow, laki naman!
  • @iampinay yes, and it can be done in a less than a year. Unfortunately, isang local na colleague ko ang gumawa and now he's in Changi prison. We do have a privilege to work on our vendor and to buy from them worth from 1- 10M Sgd. So my local colleague did take advantage and yun alam mo na nangyari hehe.
  • edited September 2017
    salamat ni lord wala akong utang dito sa sg. 1st im not qualified to apply CC. 2nd yung appliances and gadgets hindi rin ako naiinggit. kaya pala yung iba naka abroad lang at pagdating sa pinas mukhang mayaman pero baon pala sa utang kekeke.

    @jm2017 ang laki naman ng sahod nyo. mas malaki pa sa director namin. ano po ba line of work nyo?
  • @Samantha1 wala naman po sa salary yan, as long as wala tayong nasasagasaan at naiiwan na responsibilities mas ok na un. hehe
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