meeko

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Moving house and would like to sell my barely used Oto full body massage chair. Model: oto cyber indulge. Full reclining with leg massage. Less than 2 years old. Almost new condition. Bought at $2700, willing to sell at $1500 neg. buyer to provide own transport. Pls SMS/ whatsapp 96383991 for details.

One more item up for sale: Indian ethnic solid wood and iron wall hanging. Asking $150 neg. self collect Pic http://img836.imageshack.us/img836/8834/imagesqn.jpg

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Following home items for sale: 1.Resort style dining- galvanised iron with beveled glass top. Comes with 4 matching chairs. Condition very good. No scratches etc.Bought from branded Furn shop at $2000 plus. Asking price:$550 2.Bamboo divider screen/ shoe cabinet/bench. Bought at $1000. Asking price:$400 neg 3. Peranakan teak window mirror hanging, large size. Asking $100 Buyer to provide transport at own expense. Willing to let go at bundled price of $1000 for all 3 items. Links to pics: http://img818.images...5/imagezqjs.jpg http://img266.images...4/imageunre.jpg http://img594.imageshack.us/img594/474/imagebxi.jpg http://img90.imageshack.us/img90/4862/imagerpt.jpg http://img441.imageshack.us/img441/8205/imageeit.jpg http://img10.imageshack.us/img10/5120/imagezza.jpg Pls contact 96383991 for viewing.

View to offer!

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View to offer

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View to offer!

View to offer! Suits resort inspired home!

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Bumping up!

Hi all! I have a resort style glass topped (glass is bevelled), with strong galvanised iron frame with 4 matching chairs for sale. Condition is fantastic- no scratches etc. Originally bought for $2000+. Any offer above $550 will be seriously considered. Buyer to provide own transport at own cost. Reason for selling: moving house. Please contact 96383991 to arrange for pics/ viewing. Offer stands until end of May only. Thanks! Links to pics: http://img818.imageshack.us/img818/5425/imagezqjs.jpg http://img266.imageshack.us/img266/1254/imageunre.jpg

My hubby and I are applying to buy a 5 room resale flat for more than 10% below the valuation. The sellers were actually hoping to sell at approx 15k above their valuation price, but as it turned out, they underestimated the valuation price of their flat (they decided on a selling price while waiting for the valuation report). As the price that they were asking for was pretty reasonable to us, my husband and I also decided to take a gamble and put in the deposit. When the valuation report came back about a week later, we were all pretty shocked when it was so much higher than anyone expected. We have gone for our 1st appointment with HDB but I've heard from the agent that the officer processing our application has been questioning the seller's motives for selling below valuation. I understand that HDB is trying to rule out this cashback process that was so rampant in the past. But in this case, everything was done legally and aboveboard. How can we prove that to the relevant authorities though? It's really frustrating to be suspected of foul behaviour when you're really innocent Anyone been through this?

I heartily agree!!! I will never be able to trust anything that OCBC promises. All potential borrowers beware...do not assume that you're safe even with the bank's letter of offer in your hands. We small time consumers are not worth their time in customer service so like me, you may end up with no recourse should anything go wrong. Before you're even persuaded to submit an application for a bank loan with one of those branch officers or mobile bankers, be sure that you are comfortable with dealing with that person and ask questions to ensure that he or she knows what they are talking about. Don't fall for promises off guaranteed and instant approvals!

Luckily for us, we managed to get 2 other banks on standby. Should've gone with one of them and not OCBC in the first place. Big regret. All the apologies in the world won't come close to making up for the stress, worry and sleepless nights we've had over the last few weeks, courtesy of OCBC.

Thanks. At least they haven't singled me and my husband out for irresponsible service and underhanded practices. You can be sure that we will not only not use them again, but will make sure that the rest of the population of "small fries" will be made aware of this so that they will not be lured into committing to this bank. How can insignificant consumers and borrowers like us even dare to trust anything this bank says as it seems that they do not have the integrity to stand by their offers, despite all the black and white proof?

Hi People! Here's an update on my situation: To cut a long story short, we have been verbally informed by the mobile banking officer that our loan has been rejected by the bank. Here's a letter that i've drafted to the bank manager. If anyone has any similar experiences or advice to give, please do come forward. By the way the bank isn't Maybank. It's first initial starts with an O (any guesses?) My letter to the bank ( for obvious reasons, I've deleted all names, contact nos and addresses) Dear Sir, HDB HOME LOAN FOR RESALE FLAT AT XXX I refer to our application for a HDB home loan from your bank for the above listed property. In early November this year, my husband and I approached your bank counter staff at the XXXX branch with the intention of inquiring about your home loan packages for the purchase of a brand new or resale HDB 5 room flat. As there were no mobile bankers available at that particular branch, we were asked to leave our contact details and were told that a home loan specialist would attend to us via telephone. On the same day, I received a call from one of your mobile bankers who introduced herself as Mobile banker X from the XXX Mobile Centre. Upon clarifying our requirements for a HDB Loan, I was asked to answer several questions regarding our financial and income status. I clearly stated to her that I was currently self-employed and that my income could not be assessed as yet due to the fact that my company, XYZ of which I am one of the partners, has only been in business for slightly over a year and have not had the opportunity to declare income with IRAS. As such, I told mobile banker x to submit a loan application based on my husband’s income alone. I also clarified, over the phone, that my husband had 2 main sources of income. The first one being from his job as a resident band performer at a local company , and the second being his other income being derived from his position as partner and Artistic Director of our company. Furthermore, to substantiate the former source of income, I was told by mobile banker x to submit to her the most recent Notice of Assessment, together with other documents, so that she could proceed to help us apply for the loan. Following this conversation, my husband’s NOA, both our copies of NRIC, and CPF statements were faxed to her. We received a call from mobile banker x shortly afterwards to confirm that we had obtained an in-principle approval for a loan amount of $******. A few weeks later, after house hunting, my husband and myself finally decided on the unit at XXXX. As the asking price of the seller was $******, which was above the loan amount that we were approved for, I quickly called Melissa again to check if we could increase the loan amount to the purchase price. She confirmed with me that no additional income or other documents were required for submission on our part. She was happy to submit a request for us and after several days, reverted back with the answer that the bank has approved the higher loan amount. On the 19th of November, my husband and I went to the same flat for a second viewing and decided to make an offer to the seller. Prior to issuing a cheque of $1000 to purchase the option from the seller, I once again called mobile banker x to confirm the in principle approval of our loan. She gave an affirmative answer and requested that we faxed to her a copy of the option to purchase together with the Valuation Report for the property so that she could apply for the Bank’s Letter of Offer for the loan. On the 23rd of November, we received the good news via telephone from mobile banker x that the Letter of Offer was out and that she would deliver it to us so that we could sign our acceptance. We arranged to meet the following day at 1230pm. On the 24th of November, as you can probably verify by looking at your bank’s copy of the letter of offer, my husband and I signed on the dotted line and accepted that bank’s offer of the loan. With the assurance that we could get a bank loan, we then exercised the option to purchase and paid the sellers a balance amount of $4,000. With this, my housing agent submitted all relevant documents together with the bank’s letter of offer to HDB in order to obtain a 1st appointment date. It was only this week that I received a phone call from mobile banker x asking for the previous year’s NOA for my husband’s income. When questioned why the bank required additional documents, she told me that her manager had done a search on our names and “discovered” that we were partners in a Limited Liability Partnership company. I was perplexed as I thought that I had already declared this to her from the onset. Nevertheless, I complied and faxed her requested document. A day later, mobile banker x then called again saying the credit department needed to verify my husband’s job. It is only today, after much chasing and calling, that I am able to get a verbal confirmation from mobile banker x regarding the status of our bank loan. It has apparently been rejected, though reasons have not been made clear to me by her. It seems that she herself is not sure on why the loan was questioned and offer retracted. I have since called her at 300pm this afternoon to confirm that the bank has rejected our loan application. She has confirmed this. After my previous bad experience with her “assurances”, I am sure that you can understand why I have requested that she put this cancellation or withdrawal of offer of loan from your bank, in writing. She had initially promised that she would have the letter clearly stating the bank’s rejection ready by today and would fax it to me by the end of the working day, the original to be posted to me by Monday. However, I have since been informed by mobile banker x that she would not be able to get any letter drafted until Monday as her superior was not available. As I did not want to make a bad situation even more unpleasant, I politely asked her if she could just draft me an email by today confirming that she would be issuing a letter stating the rejection of our loan by Monday. The response I got was, to me, very unprofessional and inexcusable. Just to highlight several glaring deficiencies in your bank’s procedures and service level, I am very concerned as a local consumer with the fact that you are employing bank officers who are obviously not familiar with what the bank’s requirements are in terms of loan approvals. Also, I think that it is also fair to say that due diligence checks on the borrowers should be done PRIOR to the issue of a Letter of Offer from the bank and not a few days AFTER that same offer has been accepted by the borrowers. In any case, I am writing this letter not to argue our case for the loan, but to request for some action on your part to correct this situation. I have also confirmed with your customer service staff that the system states that our bank loan application is still being processed and has not been approved. Your system should not reflect that status as we have already signed and accepted your letter of offer. This leads me to believe that the bank’s copy of our letter of offer has not been duly submitted to the next relevant department in line and is currently being held by your branch for some unknown reason, in which case I will take it as my acceptance has not even been properly processed. As such, there cannot be any binding contract between us and your bank. Please send me a reply via fax to ####### or via email at mmmmmm@mmmm by the end of this working day with regard to the letter of rejection from your bank. If I do not hear conclusively from you or the bank’s representatives by 700pm today, I shall then reserve my rights to consider a bank loan from another bank and shall not be liable for any cancellation or any other fees imposed by your bank, notwithstanding the terms and conditions in the bank’s letter of offer. Thank you. Sincerely, This is the letter that i've faxed to the bank. I hope someone can sort out this whole mess. Thought that buying a house should be a happy occasion. I now have nightmares! !!

hmmm...good idea. will try that. thanks!

Dear all, I'm trying to apply for the family grant for married child living near parents (40k) but from what I hear, both parents are required to be physically present during the first appointment at HDB. In my case, my father has been stationed overseas due to business and work commitments and rarely comes back to singapore. In addition, my parents are "estranged" so it'll make meeting up during the first appointment a little difficult. Any advice on how to get around this rule? My father has no objections to signing any forms required. Thanks!

Hi guys, Actually, my husband (who's the main applicant for the loan) has 2 sources of income. One is as an employee/ performer of a local F&B company and the other is as a partner of a limited liability partnership that we both set up a year ago. For his first source of income, he has declared 2 years' worth of income tax. Since our company is only about a year old, we can only declare income tax next year. I think that all banks should do their complete checks BEFORE approving loans and issuing the letter of offer. Even for self employed persons. They shouldn't discriminate against entrepreneurs such as hawkers. Just my opinion anyway.

Thanks again for the encouragement and advice, tatlee. Just spoke to the loan officer. She says the bank needs to do an employment verification with my husband's employer. The thing is, they've called the company twice already and was given an affirmative answer. In fact, the staff at the main office are alittle ticked off by the number of times the bank has called to check. Is this normal? For banks to doubt employment status . It's really annoying as I feel that all these "checks" should have been done BEFORE they approved the loan and not after.