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  1. Step 1: Obtain the application form by visiting the Office of the Continuing Education Fund (OCEF) or the Home Affairs Enquiry Centres, or by downloading from the OCEF official website. Step 2: Submit the completed original application form with certification by institution / course provider, along with the copies of required document, through ...

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  4. IVA, an abbreviation for Individual Voluntary Arrangement, is a debt restructuring scheme. An applicant who fails to pay off debt according to the original repayment terms can appoint an accountant or a lawyer as a nominee to apply to the Court for IVA and negotiate with the creditors for a new repayment plan that is affordable.

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