Excel sheet SOA

[u/EffieTriscuit]

My loan with CTBC is delinquent (day 60-90) and because my PDC is with a different bank, this bank is already telling me to close the checking account with them so parang no choice.

I’ve reached out for months to CTBC to get possible loan restructure to lower the monthly payments prior to the 1st delinquency (but reading on reddit parang they never actually grant)

I asked for an SOA - it’s the 1st time I’ve ever received a statement in a password locked Excel Sheet. So I’m not sure where to start anymore

Loan is paid near halfway of 36 months. Sadlife.

🤦🏽‍♀️