Irish Taxi Forum
Public Area => Taxi Talk => Topic started by: john m on January 12, 2018, 02:11:45 pm
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https://www.independent.ie/business/personal-finance/banks-now-have-to-allow-access-to-customers-account-details-36480449.html (https://www.independent.ie/business/personal-finance/banks-now-have-to-allow-access-to-customers-account-details-36480449.html)
A QUICK HEADS UP ON THIS AND WHAT IT MEANS ...
eg .Say you have a Mortgage a car loan your insurance on the monthly which is actually a loan from the insurance company to you as they pay up front and you pay interest .Your missus might have a littlewoods account .Under this new scheme you will have a credit rating .If you miss or make a late payment it will effect your credit score and the banks will increase the rate of interest they will charge you for a lend .ALL lenders MUST register any loans they make to you .This is just a sneaky way for banks to know if your good for it and let them charge you more .Also they can see bank transfers so if you have a bookies account think about deleting it .I have a friend was refused a loan because he had bookies accounts the bank manager said they dont like to loan to gamblers .This is all part of the new rules that stopped banks charging CC fees so they need to get their coin by increasing interest rates .
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Seems reasonable, the rate reflects the risk... but what if you have no loans and, therefore, no credit rating?
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Seems reasonable, the rate reflects the risk... but what if you have no loans and, therefore, no credit rating?
Reflect the unknown highest rate until you build a Credit Score of get a guarantor .Love the one good line in this that explains the lot ..https://www.cnbc.com/2017/12/25/psd2-europes-banks-brace-for-new-eu-data-sharing-rules.html (https://www.cnbc.com/2017/12/25/psd2-europes-banks-brace-for-new-eu-data-sharing-rules.html)
That development — known as "account aggregation" — is set to be a key component of open banking, encouraging collaboration rather than competition.
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I'm gonna get a dog...a boxer..and call him moose, when he asks me what i'm doin....i'll be havin a wank lookin at the burds on Escorts Irl but i'll tell moose i'm checkin my credit score!!
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Straight from the erm school of economics. Competition would only encourage better deals, better if customers get behind one system and pay whatever the entrepreneurs think is right.
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Straight from the erm school of economics. Competition would only encourage better deals, better if customers get behind one system and pay whatever the entrepreneurs think is right.
not my quote Rodent ...That development — known as "account aggregation" — is set to be a key component of open banking, encouraging collaboration rather than competition.
Banks got screwed lending to losers this is to let them know for real not based on a letter from a union rep if you can actually afford a Gaff or a loan and adjust the rate to reflect the probability of getting repaid .If lenders can access your bank then feeding your account for three months before you went looking for a loan to make it look like you had coin will be a thing of the past .
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They're learning... slowly! Even Credit Unions are asking for Revenue documents these days.
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Borrow fukall from those leeches!!
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"account aggregation".
love all this cunty spoofology.
"special rendition" = kidnapping
"enhanced interrogation/special methods of questioning" = torture
"freedom fighters/rebels/anti-regime" = terrorists we like
"Insurgents/extremists/radicals" = terrorists we don't like
"quantitive easing" = print money out of thin air
"factually incorrect" = a lie
"Mispoke"= caught lying
"A courtesy call" = a threat
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A communal tub of financial Vaseline ?
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A communal tub of financial Vaseline ?
Bagsy first scoop!!
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Seems reasonable, the rate reflects the risk... but what if you have no loans and, therefore, no credit rating?
The same thing that happened to countries who didn't owe the World Bank any money, such as Iraq, N Korea and Venezuela...you'll be put on "An Axis Of Evil" list.
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Don't worry bout it.Its not good for taximen to be thinking too much about anything more complex than changing a wheel
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Ah yer right Coola. That's the thing that gets you home safely.
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"account aggregation".
love all this cunty spoofology.
"special rendition" = kidnapping
"enhanced interrogation/special methods of questioning" = torture
"freedom fighters/rebels/anti-regime" = terrorists we like
"Insurgents/extremists/radicals" = terrorists we don't like
"quantitive easing" = print money out of thin air
"factually incorrect" = a lie
"Mispoke"= caught lying
"A courtesy call" = a threat
You a Mormon? 8) You have just quoted the book of Mormon to a tee...Mitch Romney drives a joe in Dublin...fuck me....oh Lord.
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"we're living way beyond our means" = you're making my wealth reflect bad on me because you're all peasants
"the people, the people, the people" = me, me, me
"this was a world wide problem/we all partied/we all went mad borrowing" = it's your own fault for believing we had a clue what we were doing
"stay the course" = too late to unfuck our fuck up
"political solution" = our puppet solution
"the people's nominee" = big business' nominee
"I'm a political prisoner" = I murdered and terrorised and was imprisoned. I pled patriotism, but it did'nt work.
"collateral damage" = civilian murder
"listening to concerns" = feigning pity
"we are where we are" = I only have so much spoof pertaining to that question
"we'd no way of knowing this would happen" = Incompetency, the one thing a crystal ball can't predict
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Or BIFFO and his eternal "going forward"=going backwards...faster!!
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Whoever said. Honesty is the best policy.....should be locked up
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Whoever said. Honesty is the best policy.....should be locked up
Very good CB....which is why they're not!!
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do you know what drives me in to a legitimate rage about politicians, amongst a hundred other things.
you see it in the dail and the house of commons all the time.
when someone stands up to read their speech or to ask a question, the other side starts slagging, booing and heckling them like cunts. they'll all guilty of it. makes my fuckin blood boil.
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"we're living way beyond our means" = you're making my wealth reflect bad on me because you're all peasants
"the people, the people, the people" = me, me, me
"this was a world wide problem/we all partied/we all went mad borrowing" = it's your own fault for believing we had a clue what we were doing
"stay the course" = too late to unfuck our fuck up
"political solution" = our puppet solution
"the people's nominee" = big business' nominee
"I'm a political prisoner" = I murdered and terrorised and was imprisoned. I pled patriotism, but it did'nt work.
"collateral damage" = civilian murder
"listening to concerns" = feigning pity
"we are where we are" = I only have so much spoof pertaining to that question
"we'd no way of knowing this would happen" = Incompetency, the one thing a crystal ball can't predict
Double-Speak. Keep it up Spinal...you're the only one whose primary focus for discussion isn't Mytaxi and changing wheels.... lol
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Hold on .....I never mentioned My Taxi.......oops!
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Did you mention his taxi?
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Politics is a job but lads from the flats dont understand that .Take two cunts one a drug dealer runs the risk of getting shot for his few quid .The other a leading Political terrorist Who retires with a British MPs pension a NI assembly pension an Irish Dail Pension and A British Old age Pension and an Irish Old age Pension and probably has the neck to run for President and get another Pension .Dr the reason they shout at each other in the Dail or Parliament is to discourage the competent from getting involved .Most Politicians have as much integrity as an Aids riddled junky whore offering to let you go bare back and swearing she is disease free .She starts off by insisting no glove no love but for a few quid extra you can fuck it any way you like just like Politicians everything has a price and a reward .
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That's some analogy John...i was too mesmerised by her tits to notice i was barebackin her...would that be deflection or erection!!
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Try saying that with a Chinese accent.
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Try saying that with a Chinese accent.
You obviously did,you probably even stretched your eyes back and put you top teeth over your bottom lip for full effect...in the Chinese takeaway!!