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Author Topic: Bankers get new Balaclavas  (Read 8812 times)

john m

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Bankers get new Balaclavas
« on: January 12, 2018, 02:11:45 pm »
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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Offline Rat Catcher

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Re: Bankers get new Balaclavas
« Reply #1 on: January 12, 2018, 02:20:52 pm »
Seems reasonable, the rate reflects the risk... but what if you have no loans and, therefore, no credit rating?
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If it doesn't have a roof sign and door stickers it's not a taxi.

john m

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Re: Bankers get new Balaclavas
« Reply #2 on: January 12, 2018, 02:26:07 pm »
Quote from: Rat Catcher on January 12, 2018, 02:20:52 pm
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


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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Offline Shallowhal

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Re: Bankers get new Balaclavas
« Reply #3 on: January 12, 2018, 02:33:06 pm »
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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Offline Rat Catcher

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Re: Bankers get new Balaclavas
« Reply #4 on: January 12, 2018, 02:39:44 pm »
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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john m

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Re: Bankers get new Balaclavas
« Reply #5 on: January 12, 2018, 02:54:30 pm »
Quote from: Rat Catcher on January 12, 2018, 02:39:44 pm
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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Offline Rat Catcher

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Re: Bankers get new Balaclavas
« Reply #6 on: January 12, 2018, 02:57:39 pm »
They're learning... slowly! Even Credit Unions are asking for Revenue documents these days.
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If it doesn't have a roof sign and door stickers it's not a taxi.

Offline Shallowhal

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Re: Bankers get new Balaclavas
« Reply #7 on: January 12, 2018, 03:06:28 pm »
Borrow fukall from those leeches!!
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Offline Dr. Martin Gooter Bling

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Re: Bankers get new Balaclavas
« Reply #8 on: January 13, 2018, 05:09:45 am »
"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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Offline TheDevilHimself

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Re: Bankers get new Balaclavas
« Reply #9 on: January 13, 2018, 01:23:33 pm »
A communal tub of financial Vaseline ?
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Offline Shallowhal

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Re: Bankers get new Balaclavas
« Reply #10 on: January 13, 2018, 01:38:27 pm »
Quote from: TheDevilHimself on January 13, 2018, 01:23:33 pm
A communal tub of financial Vaseline ?

Bagsy first scoop!!
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The Liffey Lip

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Re: Bankers get new Balaclavas
« Reply #11 on: January 23, 2018, 11:26:45 am »
Quote from: Rat Catcher on January 12, 2018, 02:20:52 pm
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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Offline Cool Boola

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Re: Bankers get new Balaclavas
« Reply #12 on: January 23, 2018, 02:31:30 pm »
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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Dis an Dat Im not a rat

The Liffey Lip

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Re: Bankers get new Balaclavas
« Reply #13 on: January 23, 2018, 02:50:49 pm »
Ah yer right Coola. That's the thing that gets you home safely.
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The Liffey Lip

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Re: Bankers get new Balaclavas
« Reply #14 on: January 23, 2018, 03:05:15 pm »
Quote from: Dr. Martin Gooter Bling on January 13, 2018, 05:09:45 am
"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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