Hi All,
Need some guideline here. I previously was under bankrupcy by a bank due to cc and sumon by another 2 bank due to cc too. I had settle all the outstanding with the banks as well as full paid with Insolvency dept. I am discharged from bankrup since Jan'13.

I have 0 records in CCRIS but In my CTOS records, all the previous sumon record also has been remark as "SETTLED" or DISCHARGED".
My income is 5k a month with no others debts from any banks, i wanna to buy a car and loan 85K, i had try to submit HP applications to few banks since Feb, but all rejected due to CTOS history.

Seems none of the bank wanna to provde the loan, Can anyone advise how I can get the HP loan with my current status? Thanks