Mix cream cheese and condensed milk together.
Prepare a container and pour in a little bit of the mixed cream cheese and condensed milk to evenly cover the bottom.
Pour milk into a bowl and put the biscuits in it to soften it.
Place the biscuits flat in the container.
Spread the mixed cream cheese and condensed milk evenly then sprinkle with oats.
Repeat steps 4 and 5 until the cream cheese and condensed milk are all used up.
Sprinkle the last layer with oats and put it in the refrigerator for one hour!