Overview
Work History
Education
Courtactions
Consent
Timeline
Generic

Credit Counselling Singapore

Overview

2007
2007
years of professional experience

Work History

N
  • NUMBER OF MEMBERS LIVING IN SAME HOUSEHOLD 居住在同一家庭的成员人数
  • Please list down each member by stating their relationship with you, whether they are employed, unemployed, retired or studying
  • S/N
  • Adult or Adult children 成人或成年子女
  • Age 年龄
  • Please tick
  • To indicate employment status （请 ）, 兼职
  • Unemployed 失业
  • Retired 退休Self 自己(eg
  • Spouse 如配偶)(eg
  • Father, Mother 如父母亲 )(eg
  • Brother 如兄弟)(eg
  • Domestic Helper 如帮佣)
  • S, School-going children 求学中的孩子
  • Age 年龄
  • Please tick
  • To indicate level of study, or serving NS （请 ）
  • Infant 婴儿
  • Pre-
  • School 学前班
  • Kinder- garten 幼儿园
  • Pri 小学
  • Sec 中学
  • JC 高中
  • ITE 工艺学院
  • Poly 理工学院
  • Uni 大学, 当兵(eg
  • Son 如儿子)(eg.Daughter 如女儿) 4 6 Please write down the total number of members living in the same household
  • Credit Counselling Singapore
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  • May not be reproduced without CCS permission
  • MONTHLY BUDGET 每月预算
  • Please estimate your (if you are single) / your family (if you are married) average monthly spending: 估计自己（单身人士）/ 全家人（已婚人士）的每月平均开销：
  • Daily estimated expenses (eg
  • Newspaper, meal at work) multiply by 30 days 每天开销（如：报纸每日在外用餐)：估计数目乘 30 天
  • Weekly estimated expenses (eg
  • Marketing) multiply by 4 weeks
  • 4 周
  • Monthly expenses (eg
  • Phone, PUB, transport) average of latest 3 mths 每月开销（如：电话费，水电费， 交通费）：过去 3 个月的平均开销
  • Annual / Irregular exp (eg
  • Property tax, visit doctor, clothing, gifts) est
  • Annual amt & divide by 12 mths 一年/不固定开销（如：产业税，看医生，衣物， 红包）：估计每年所需数目再除于 12 个月
  • Housing Expenses 住屋开销
  • Current 目前开销
  • Work Expenses 工作开销
  • Current 目前开销
  • Mortgage 分期付款 Car Installment 汽车分期付款
  • Rent 房租 Petrol 汽油
  • Property Tax 门牌税 Parking, ERP 停车费/过路费
  • Mortgage Insurance 房贷保险 Car Insurance 汽车保险
  • House Fire Insurance 火险 Road Tax 路税
  • Town Council/Maintenance Fee 杂费 Car Service/Repair 汽车维修
  • Utilities 水电费 Public Transport 个人公共交通费
  • Home Telephone 家用电话费 Meal at Workplace 饭钱
  • Mobile Phone 手机电话费 Union/Club Membership 会员月费
  • Internet 网际网络费 Income Tax 所得税
  • Subscription TV 电缆电视 CPF Medisave (, ) 公积金
  • SUB-TOTAL 总共 (1) SUB-TOTAL 总共 (3)
  • Living Expenses 生活开销
  • Current 目前开销
  • Personal Expenses 个人开销
  • Current 目前开销
  • Food/Grocery/Housekeeping 伙食费 Tobacco 烟
  • Clothing/Footwear 衣服/鞋子 Alcohol 酒
  • Alimony 赡养费 Recreation/Outing 娱乐/消闲活动
  • Parental Support 父母生活费 Hair cut & Toiletries 理发,卫生用品
  • Remittance Home 寄回国给家人的生活费 Newspaper/Magazine 报纸杂志
  • Personal Insurance 个人保险 Gifts (eg
  • Ang-pao, wedding) 礼物,红包
  • Medical, Doctor 医药费用 Donations (eg
  • Church/charity) 捐款
  • Prescription Drugs 药物费 Children/spouse pocket money 零用钱
  • Dental 牙医费 Optician 眼镜 Transportation (child/spouse) 家人交通费
  • Maid salary + levy 帮佣工钱+税 School uniform/textbook, etc 校服,课本
  • Child Care, Nursery, Kindergarten 托儿费用 Children tuition, Enrichment classes 补习
  • School Fee 学费 Others (eg
  • Pet) 其他(如：宠物)
  • SUB-TOTAL 总共 (2) SUB-TOTAL 总共 (4)
  • INCOME 收入
  • Gross 总数
  • Net 扣除后
  • TOTAL EXPENSES BEFORE LOAN
  • REPAYMENT [B] 还债前总开销 (1 + 2 + 3 + 4)
  • Employment Income 每月平均就业收入 TOTAL NET INCOME 净收入 [C]
  • Other Income Sources 其他收入
  • BALANCE BEFORE LOAN REPAYMENT 还债前余额 [D] = [C – B]
  • Child support / alimony 赡养费
  • Loan Repayment Required 偿还数额 [A]
  • Total Net Income总净收入[C]
  • BALANCE AFTER LOAN REPAYMENT 还债后余额 [D – A] $ 0.00$ 0.00 $ 0.00$ 0.00 $ 0.00 $ 0.00
  • Credit Counselling Singapore
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  • May not be reproduced without CCS permission
  • This page is intentionally left blank
  • Credit Counselling Singapore
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  • May not be reproduced without CCS permission
  • Non-Bank Institutions 非银行机构债主名单
  • Name 姓名
  • Date日期
  • Note
  • Examples: Singtel, Starhub, MI, IRAS, HDB, CPF, Hospital (exclude moneylenders) 如：电话公司，税务局，建屋局，公积金局，医院（不包括放贷公司）
  • No
  • Name of Company / Organisation 公司/ 机构（债主）名称
  • Outstanding Balance 尚欠款额 $ $ $ $ $ $ $ $ $ $
  • Total 总结： $
  • Credit Counselling Singapore
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  • May not be reproduced without CCS permission
  • Personal Creditors 个人债主名单, 日期
  • Note
  • Examples of Personal Creditors: Parents, Siblings, Friends, Colleagues, Aunties, Uncles, Cousins, etc 如：父母，兄弟姐妹，亲朋戚友，同事等等
  • No
  • Name of Individual 个人（债主）名称
  • Relationship 关系
  • Outstanding Balance 尚欠款额 $ $ $ $ $ $ $ $ $ $
  • Total 总结： $
  • Credit Counselling Singapore
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  • May not be reproduced without CCS permission
  • Licensed Moneylenders 合法放贷公司（债主）名单
  • Name 姓名
  • Date 日期
  • Note
  • Licensed moneylenders include Credit Companies (Please provide MLCB report) 合法放贷机构， 包括信贷公司
  • No
  • Name of Licensed Moneylender 合法放贷人/借贷公司名称
  • Contact
  • Person 联系人
  • Contact
  • No
  • Loan
  • Amount 贷款金额
  • Loan Date 贷款日期 (DD/MM/YY)
  • Payment Amount and
  • Frequency 还款数额及频率
  • Amount
  • Paid 已付金额
  • Final Payment
  • Date 最后日期 (DD/MM/YY)
  • Remarks 备注 eg 例子： XYZ Credit Peter 8976 1234 $2,000 07/12/19 $400 Monthly $400 07/03/20

Credit Counselling

PAYMENT FOR SERVICES
- 07.2006
  • Credit counselling is free
  • A non-refundable fee is chargeable if CCS is able to submit a Debt Management Program (DMP) proposal on your behalf to your creditors
  • The fee ranges between $50 to $250
  • You will be informed of the exact fee payable once the DMP proposal is ready for your acceptance
  • CCS does not guarantee approval of the DMP proposal by creditors
  • STEP 1 – TO GET AN APPOINTMENT (A) Gather the Required Supporting Documents Credit Bureau Report - Apply via Credit Bureau Singapore website www.creditbureau.com.sg with your SingPass or in person at its Money Lender Credit Bureau (MLCB) Report (only if you have existing loans from Licensed Moneylenders)
  • Apply via website www.mlcb.com.sg or apply in person for the report at our office
  • Fee: $0.50 CPF Transaction History Statement (for the past 15 months)
  • CPF Contribution History Statement (for the past 15 months)
  • Income Statement (you may submit any of the documents below as applicable): a
  • For Salaried Employees
  • I
  • Pay slip or Payment Voucher (for the past 1 month) or Letter of Employment (complete set of documents) b
  • For Commission-only Earners (eg
  • Housing agent / insurance agent)
  • I
  • Commission Statement (for the past 3 months) c
  • For Business Owners (eg
  • Sole proprietor / partner in a partnership firm / director of private limited company)
  • I
  • Business Bank Account Statements (for the past 3 months) (compulsory), AND ii
  • Business Financial Statements (for the past 2 years), OR iii
  • Income Tax Assessment (for the past 2 years) iv
  • ACRA Business Profile Report (latest) d
  • For Self, (eg
  • Taxi driver / tuition teacher)
  • I
  • Statement of monthly income earned (eg
  • Printout of the taxi trips (for the past 4 weeks) / record of daily income (for the pastmonth) / a list of students and the fees charge) (B) SEND the completed Credit Counselling Request Package signed) + photocopies of supporting documents to CCS at our office address below: By Mail or by Courier; or By Hand during office hours
  • If the office is closed, drop your package into our mail dropbox located next to our main door
  • After all required documents have been received, CCS will inform you of your Counselling Appointment date/time
  • Counselling may be conducted in person at CCS office, via phone or via video call
  • You are requested to confirm your appointment at least one day before by calling 6338 2663
  • STEP 2 – TO RESCHEDULE THE COUNSELLING APPOINTMENT DATE
  • If you are unable to attend the session or take the phone/video call at the scheduled date/time, please inform CCS at least TWO WORKING
  • DAYS in advance
  • A new appointment date/time will be assigned, and the next available date is dependent on the queue
  • STEP 3 – WHAT TO DO ON THE COUNSELLING APPOINTMENT DAY
  • If you are attending the session in person, REMEMBER to bring along your NRIC/PASSPORT to the counselling session
  • If you are having the session via phone/video call, a
  • Have copies of your documents ready for reference
  • B
  • Select a quiet, conducive space with privacy to attend to the call
  • C
  • Ensure that there are no interruptions or distractions for the duration of the session
  • OFFICE HOURS: 9 AM – 6 PM, MONDAY – FRIDAY (EXCEPT PUBLIC HOLIDAYS)
  • ADDRESS: 51 Cuppage Road #07- 06 Singapore 229469
  • TEL: 6338 2663 | FAX: 6338 6586 | WEBSITE: www.ccs.org.sg office [Address: 2 Shenton Way #20-02, SGX Centre 1, Singapore 068804 / Tel: 6565 6363], (together with the Consent and Agreement for Credit Counselling Services duly
  • Fee: $8 + GST.
  • Credit Counselling Singapore
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  • May not be reproduced without CCS permission 寻 求 辅 导 表 格 这份表格包含我的个人资料。我确认我在这表格里及辅导过程中所提供的资料是真实，准确且完整的。提呈这份表格表 示我同意让 CCS 进行下列所述： 収集及使用这些资料以便就我的财务状况提供我关于债务的辅导及相关服务。 使用我的资料做统计用途。 在被询问时，让我的债权人知道我前来 CCS寻求协助。 服务费 信贷辅导是不收费的。如果 CCS 能够代表您向债权人提交债务偿还计划提案，则将收取不可退还的服务费。服务费介于到250元。一旦提案准备好供您接受，您将被告知应支付的确切服务费。CCS 不保证债权人会批准提案。 第一步：如何预约辅导： (A) 把填妥的表格与下列影印的文件亲自提交或寄到：Credit Counselling Singapore (CCS), 地址：51 Cuppage Road #07-06
  • Singapore 229469。如在非办公时间，请把文件投进CCS门外的投递箱。 新加坡信贷资料中心的信贷报告：请用Singpass上网申请：www.creditbureau.com.sg 或亲自前往 Credit Bureau
  • Singapore [地址: 2 Shenton Way #20-02, SGX Centre 1, Singapore 068804 / 电话: 6565 6363], 放贷商信贷资料中心（MLCB www.mlcb.com.sg 索取。 费用：$0.50 公积金交易记录（最近十五个月) 。 公积金缴交记录（最近十五个月) 。 收入证明文件： a
  • I
  • 1个月的工资单或支薪记录或受聘书 b
  • I
  • 3个月的佣金记录单 c
  • I
  • Ii
  • Iii
  • Iv
  • ACRA 业务概况报告（最新） d
  • I
  • 4个星期的德士计程表打印记录 / 最近 1个月的每日收入记录表 / 学生姓名及 学费记录表
  • (B) 我们在收到填妥的寻求辅导表格和签妥的 Consent and Agreement for Credit Counselling Services 以及齐全的文件后， 会与您联系以安排辅导日期和时间。辅导可能是在CCS办公室面谈或是通过电话或视频进行。 请在辅导日的前一天拨电 6225 5227 确定辅导时间。, : 6338 6586 | 网 址 : www.ccs.org.sg ）的信报告。 登录站： 申请费用：$8 +GST
  • Credit Counselling Singapore
  • Copyrighted material
  • May not be reproduced without CCS permission
  • CONSENT AND AGREEMENT FOR CREDIT COUNSELLING SERVICES
  • Please read this section thoroughly before signing
  • I WISH TO REQUEST FOR CREDIT COUNSELLING AND HEREBY CONSENT AND AGREE TO THE FOLLOWING:
  • GENERAL I am voluntarily attending CCS credit counselling out of my own choice
  • I accept that my relationship with CCS is as follows: (a) CCS role is simply to provide credit counselling to me on a good faithbasis
  • (b) CCS does not provide me with any legal advice
  • (c) CCS is not acting as my agent or the agent of my creditors
  • (d) CCS is only using its best effort and makes no warranty or guarantee of solving my debt obligations
  • (e) CCS (including its debt advisors, counsellors, employees, contractors/volunteers, agents, members and directors) is providing assistance to me and does not owe me any legal or equitable duty or obligation or explanation whatsoever for its actions, or any action my creditors may take as a result of this request or otherwise
  • (f) CCS may notify my creditors that I have sought assistance from CCS, ifenquired
  • (g) Should CCS need to verify my identity with my creditors, CCS may do so by making a copy of my NRIC / passport / FIN in accordance with PDPA guidelines (h) CCS may disclose all my personal information (including my NRIC number, latest address and telephone number) and financial information to my creditors
  • (i) CCS may collect, use and disclose mydebt information to provide CCS services to me, and to compile statistics for research and analysis purposes
  • My personal data kept by CCS will be in accordance to CCS PDPA policy (j) CCS shall have no liability to me for any losses or damages that I may suffer as a result of making this request I accept that CCS will only conduct the credit counselling session at their offices or from designated places with a
  • CCS Credit Counsellor
  • I understand that I am entitled to seek independent legal and/or professional help and/or advice as I deem fit
  • COLLECTION, USE AND DISCLOSURE OF PERSONAL DATA I understand as follows: (a) I must co-operate by giving CCS full and frank disclosure of all information relating to my personal debts, including (i) personal data of myself, my employer, co- debtors and the like (“Relevant Individuals”); (ii) all revenue, expenditure, assets and liabilities, and other information relevant to a comprehensive assessment of my financial situation, and (iii) any material changes to the above information (b) CCS may use all information given by me to (i) assess my case (ii) establish my identity and indebtedness with my creditors (iii) disclose all relevant information to my creditors, if applicable (iv) discuss and negotiate repayment terms with my creditors, if applicable; and (v) explore options to address my debts with the creditors (c) CCS may record (audio & video) the counselling session for quality control and training purposes
  • (d) CCS may send me information and invitations for its activities, publications, services and events, etc
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  • Copyrighted material
  • May not be reproduced without CCS permission
  • PURPOSE OF CREDIT COUNSELLING I acknowledge that the purpose of a credit counselling session is to help me better understand my personal financial situation, and explore options to discharge my financial liabilities
  • I accept that counselling (a) is voluntary and will depend on my commitment to give full and frank disclosure of all relevant information; and (b) may not necessarily result in the making or submission of any debt repayment proposal
  • CONFIDENTIALITY I give my consent to CCS exercising its discretion to disclose my personal data, financial information and records of my visit to CCS to external agencies or individuals whom I have approached (directly or indirectly) for assistance
  • The purpose is to facilitate my request for assistance, authenticate my identity and/or verify such information communicated by me to those external agencies or individuals
  • These agencies and individuals include government departments, registered charities, health authorities, social service agencies, and Members of Parliament and their agents
  • I give my consent to CCS to report situations that are required by law
  • These include a reasonable suspicion of (1) past abuse to my current child, elder or dependent adult; and (2) a threat to the life, health or safety of myself or others
  • I understand that a confidential record of my counselling session is maintained by CCS with restricted access solely on a need-to-know basis
  • These records may only be released when mandated by law enforcement agency, the court or with my consent., Singapore
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  • May not be reproduced without CCS permission 本人接受： (a) 辅导是自愿的，而且取决于本人充分和坦率地披露所有相关信息；以及 (b) 辅导的结果未必是作出或提交债务偿还建议书。 保密 本人同意CCS行使其酌处权，向本人直接或间接寻求协助的外部机构或个人披露本人的个人数据、财务信 息和本人到访CCS的记录，目的是方便本人的协助请求、验证本人的身份以及核实本人向这些外部机构或 个人传达的以上信息。这些机构和个人包括政府部门、注册慈善机构、卫生当局、社会服务机构、议员 及其代理人。 本人同意CCS根据法律要求报告任何情况，包括合理地怀疑（1）过去虐待本人目前的孩子、年长者或需 要照顾的成年人；以及（2）造成对本人或他人的生命、健康或安全的威胁。本人了解CCS将保存本人的 辅导会议的保密记录，仅在需要知道的基础上才能有限地使用。这些记录只有在执法机构或法院授权下 或经本人同意的情况下才可以对外发放。 信息的取用本人有权要求CCS提供有关本人的信息，也可通过书面授权和出示身份证明将此权利授予他人。 更正本人有权要求更正CCS所掌握有关本人的信息，CCS将保证更正错误的信息。 数据的传输和存储本人同意应CCS的信息技术需求，在新加坡或国外传输和存储本人的信息。 配偶或个人担保人共同辅导中的“无秘密”政策在进行信贷辅导会议时，CCS将配偶和担保人视为单一客户。当接获对方询问时，CCS将从配偶或担保人 处收集的信息告知对方。这项“无秘密”政策旨在避免配偶与担保人发生利益冲突。当存在利益冲突且 无法解决时，CCS将终止与配偶或担保人的共同辅导会议。 总结本人接受： (a) CCS保留自行决定提供或终止其服务的权力； (b) CCS无法请求或阻止本人的债权人继续其催收行为，包括法律行动。本人已详细阅读并理解上述信贷辅导服务的条件内容，并对自己在辅导会议后所作出的决定和采取的行

Officer

Credit Counselling Singapore
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  • TRANSFER AND STORAGE OF DATA I consent to the transfer and storage of my information whether in Singapore or otherwise based on CCS IT needs
  • NO SECRETS” POLICY IN SPOUSAL OR JOINT PERSONAL GUARANTORS COUNSELLING When working with spouses or personal guarantors attending the same counselling session, CCS considers the spouses and guarantors as one client
  • Information collected from each spouse or guarantor will be made privy to the other spouse or guarantor, when asked
  • This “no secrets” policy is intended to prevent a conflict-of-interest situation where the interest of one spouse or guarantor is different from that of the other
  • When a conflict-of- interest situation exists and cannot be resolved, the spousal or joint guarantor counselling session will be terminated
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  • Copyrighted material
  • May not be reproduced without CCS permission
  • CONCLUSION I accept that (a) CCS reserves the right to offer and/or terminate its service at its sole discretion; (b) CCS is unable to request or stop my creditors from continuing their collection efforts, including legal action
  • I have read and understood the content of the above conditions on credit counselling services
  • I remain solely responsible for my own decisions and actions taken subsequent to the counselling session
  • 229469
  • Tel: 6338 2663 | Fax: 6338 6586 | Email: enquiry@ccs.org.sg | Website: www.ccs.org.sg
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  • Credit Counselling Singapore
  • Page 6 of 18 Copyrighted material
  • May not be reproduced without CCS permission 信贷辅导服务 同意协议书 请在签署前详细阅读整份文件。 本人请求信贷辅导，在此同意以下内容: 一般条款 本人自愿选择参与新加坡信贷辅导服务（CCS）提供的信贷辅导服务。 本人接受与CCS的关系如下: (a) CCS仅是善意为本人提供信贷辅导。 (b) CCS没有向本人提供任何法律意见。 (c) CCS不是本人或债权人的代理人。 (d) CCS仅是尽最大的努力，不担保或保证能够解决本人的债务义务。 (e) CCS（包括其属下债务顾问、辅导员、员工、承包商/志愿者、代理人、成员和董事）向本人提供协 助，并没有任何法律或衡平法上的责任或义务，也不需要对其行为或本人的债权人因为此请求或其 他原因可能采取的行动作出任何解释。 (f) 如果接获本人的债权人询问，CCS可以通知他，本人已向CCS寻求帮助。 (g) 如果有需要，CCS可按照《个人资料保护法令》的指导方针，复制本人的身份证/护照/外国身份 证，向本人的债权人核实本人的身份。 (h) CCS可向本人的债权人披露所有本人的个人信息（包括身份证号码、最新地址和电话号码）以及财 务信息。 (i) CCS可在为本人提供CCS服务时，收集、使用和披露本人的债务信息，并为研究和分析汇编统计数 据。CCS在保管本人的个人资料时，将遵守CCS的个人资料保护政策。 (j) CCS对本人因提出此请求而可能遭受的任何损失或损害不承担任何责任。 本人同意CCS的信贷辅导员只在CCS办公室或其指定地点进行信贷辅导会议。 本人理解本人有权寻求本人认为合适的独立法律或专业协助或建议。 个人资料的收集、使用和披露 本人理解如下: (a) 本人必须合作向CCS全面、坦诚地披露与本人个人债务有关的所有信息，包括： (i) 本人、本人的雇主、共同债务人等（“相关个人”）的个人数据； (ii) 所有与全面评估本人财务状况相关的收入、支出、资产和债务与其他信息；以及 (iii) 上述信息的任何重大变动。 (b) CCS可使用本人提供的所有信息： (i) 评估本人的个案； (ii) 向本人的债务人确定本人的身份和债务； (iii) 在适当时向本人的债权人披露所有相关信息； (iv) 在适用时与本人的债权人讨论和协商偿还条款；以及 (v) 探讨本人债务的解决方案。 (c) CCS可以录制（音频和视频）辅导会议过程，供作质量检查和培训用途。 (d) CCS可向本人发送有关其活动、出版物和服务等的信息和邀请。 信贷辅导的目的 本人知悉信贷辅导会议的目的是要协助本人更好地了解个人财务状况，并探讨清偿债务的选项。 Page 18 of 18 Copyrighted material
  • May not be reproduced without CCS permission
  • Business Borrowing (if you are a business owner) 商业信贷, Address 公司名称
  • Company Registration
  • Number
  • Note List all your business creditors, banks and other institutions which have granted business loan to your company 列出向你公司放贷的银行和其他借贷机构的名称 Examples of “other institutions”,Hong Leong Finance, Ethoz Capital, Orix Leasing, Hitachi Credit, etc 其他借贷机构的例子
  • No
  • Name of Creditor 债主名称
  • Type of Credit Facility 信贷种类
  • Outstanding Balance 尚欠款额 $ $ $ $ $ $ $ $ $ $
  • Total 总结： $ 0.00

Education

Highest Education Qualification -

Courtactions

False

Consent

True, True

Timeline

Highest Education Qualification -

N

Credit Counselling

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- 07.2006

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