I have a similar problem. I defaulted on my bank loan for HDB flat cause CPF stopped paying when I turned 55 years.

I normally pay 725 in monthly installments but when I defaulted, DBS charging me late fees of about $ 1000 monthly . My default amount was about $4,000. I have since paid more than
$11 000 but according to DBS , I am still in arrears.

DBS have also started legal proceedings to repossess my flat.

I have my next court date on 8th September. The judge will most probably rule against me and allow DBS to repossess my home.

I have all documents and correspondence and payments proof. I also have the latest statement of my bank loan which DBS initially refused to give me until ordered by the courts.

I have sent an appeal to my MP, but now almost more than a month and completely no response.

After I turned 55, CPF transfers funds from OA to RA. but I still had some funds in OA until exhausted in May 2016.

As I was overseas, I did not receive any mail from DBS regarding default until November when they sent me an email.

After getting confirmation that CPF approved to transfer more funds to OA to service the loan on 9th December, I informed DBS.

1st march they started proceedings against me. 17th March monies was transferred.

I have spoken to DBS many times to reconsider their high interest and even send them email thru their lawyers but all have been rejected.

What should I do?

Today is a busy and happy saturday ☺😁! But for an angry thing to destroy 😡! It’s just a couple of couples and couples who come to our store to cheat. But they’re wearing clothes, clothes, bags, shoes, clothes, clothes, phones, they’re brand-name! But I think it’s a little unusual for a girl to look at her first. But I didn’t take care of it… until the last time they ate the money, he said his wallet had to run in the car and pay for his wallet. Okay! I promised him! I trusted him!

After all, I saw that they weren’t paying the money 💰 and then I saw her girlfriend ran out to the store… and thought if they were going to go to the car and get their wallets, they wouldn’t look back. Do it? I’m going to take out my fanny pack, and I’m going to have a hard-on, I’ve been working hard all day. I haven’t paid for it. I have to go back to the car and get my wallet… and my boss will be right behind them. When they get in the car, they step on the gas.

At that time I remember their license plate skmm 392six K (TOYOTA CAMRY SINGAPORE CAR) I was so shocked by their behavior… how did the previous impression of them be able to do something like this!! I really don’t know how thick their face is! RM 80 also to cheat! Think about rm 80 piece of one equals = new bì how much qián oh?! It’s not new bì $ 25 really very angry!

Disappointed again! How can a good man be able to destroy his image with dignity… and 😢 hope that everyone can see the dignity and value of the human being, and I learn how to see what a person has learned to be called “human dignity” 👊👊 Red, I give him red!

Source: FB post by 吴承峰

Recently, I had a horrible encounter with a home based brow embroidery salon owned by a Vietnamese lady called Ho HanH Phuc, Cherry at Blk 64 Telok Blangah Drive #11-XXX S(100064).

I chanced upon her works via Carousell. I was very impressed with her artworks as the eyebrow style she did was exactly what I wanted and pictured my brows to be. I enquired and we booked an appointment. I was really excited about it however, what she did to my face was a disaster. I was disfigured and I don’t even dare to talk to people in the eye for the entire week.

We first went to design the brows. I was very satisfied and had high expectations. When the whole painful process was over, I was shocked that whatever she designed and what came out was a remarkable difference.

The brows are unbalanced as fk and one brow head was way longer than the other. At the end of the day, I was really tired and didn’t really bother about the brows because it was freshly embroided and painful. However, upon reaching home and taking a good look, I was super shocked and upset. Immediately, I texted Cherry. She promised to remove it the next day for me and touch up again. So the next day, I rushed down to her place again to remove my brows.

Her so called “removal” was just wiping over the brow head with a beige colour dye (using cotton bud) and then asking me to leave that slab of dye right there. She told me to wait for the dye to peel off in 1-2 days (it did not peel until a full week).

So, as a paying customer, looking at your brows in such horrific state, I was angry and I felt cheated. I was so upset looking at my face and I could not even conceal with concealer because of the texture of the beige dye. I consulted a few other beauticians and they adviced me to remove with makeup remover before the dye sets in. I just did that ( and was thankful that I did that, imagine the consequences if I didn’t).

A week later, looking at my face when it healed up, I realized the part where she had made the error had became a scar. My left brow has a scar too. I felt that it is only fair that she gave me a refund. I asked for a refund, explaining to her that her work is unacceptable. It is unprofessional and was nothing like what the pictures promised.

Immediately, she defended herself, by saying that I am impatient. And she added on that I requested my brows to look like that (I did ask for a longer brow but I did not request for one LONG brow and one SHORT brow). She proceeded to mention her own eyebrow had an error and she waited for years for the dye to peel off. She even questioned me and asked if she could wait for the error to be removed, why can’t I. I was really angry as I came to her with normal looking eyebrows and I had no scar. But after I left her place, my face was in a disaster. I was already angry that she messed up my face, but now she pushed the blame back to me. It is very clear it was her own lack of skill and she wanted to cover it up.

I wanted to drop the case if I get a refund however she pushed the blame back on me. She said that she promised to fix and remove the brows for me so she cannot refund me. But, would you trust her again if you were me? The whole point boils down to trust. I trusted her with my face. Not only she cheated me with pictures that aren’t her work (obviously), she still went on to fk up my face and eyebrows. She even told me the next time when I go back to her she will fix it for me and if she does not, she will refund me the full amount. But seriously, why would I go back to her to screw up my face again.

In summary, I just felt cheated. Whatever she drew on my face for the design was worlds apart from what she embroided. Her pictures of her artwork did not justify what she embroided onto my brows as well. She may have her side of her story, but as a customer, this was what I received. Pictures tell all the story, I do not need to elaborate any further. I don’t think there is anything I can do, but at least my face served as a story to tell. If anyone has any options as to how I can fix them without lasering, please do share with me. Thank you

P. S I did the procedure on 7th August 2017. On the date I posted its 18 Aug. My picture look normal because I have to use lots of concealer and cover her ugly mistakes and re draw my own brows. It is not possible for me to even do a new embroidery because my skin is still red and not even healing. Just got updates that this Vietnamese woman is telling people that I requesting refund as I did NEW embroidery from somewhere else. Lol.

Facebook Post: By Valarie Yeo