I am using it to send money back to Malaysia for last two years and so far do not have any issue. Its will take 2 to 3 days to deposit into my account in Malaysia. The fee was based on the amount you want to tranfer. So after certain amount, other platforms that charging fixed transfer fee per trasaction will be more cheaper.

What is the reasons why the DCP all rejected? Have you try the debt management programme from CSS? https://www.ccs.org.sg/services/page/debt-management-programme