Change a new life

Had some default records previously and hence unable to get new loans from the banks, even though the loans have been fully repaid

As a result, I've turned to licensed money lenders for loans, and the amount has snowballed due to high interest and late fees and late intetest.

As I'm not eligible for debt consolidation, hence seeking some help over here.

Hope to get over a new life and not be stressed with the debts on every sleepless night.

Thanks all for your help