Vic Wasteland Thread - 15.0

[Down_Shift]

Used parents property as guarantor?  Or to be more straight forward, insider job for approaval...   

[joeyjoejoejuniorshabadoo]

There's no shortage of second & third tier lenders that will fall over themselves to give people loans at excruciatingly high rates...

Remember Bankruptcy does not mean you can't borrow money, just that you can't be a director and a few other things...
Credit defaults are for the lender to be able to make an informed decision, they don't mean no one will lend to you if you have solid justification

[TiTAN]

GE money comes to mind as someone that will lend to almost anyone if they are willing to accept incredibly high interest rates.

[emts]

yeah fair enough.

 

i'll stick on my sub 4% for the time being

[blah_blah]

10 hours ago, emts said:

I'm just trying to work out how they get offered 400Kish on low income with a bankrupcy

 

thought loans were getting harder not easier.

 

 

Spose it depends if was a Part 9 or Part 10 insolvency or full bankruptancy

In any case it should stay on the credit history and just mean muchharder to get a loan and should get higher interest rates

[blah_blah]

Hamish a question since you work at the bank

 

Do Banks offer mortgage brokers and public the same interest rate? 

The commission that mortgage brokers get is that seperate or built into a higher interest rate offered to a mortgage broker from the bank

[UNR33L]

16 hours ago, dezz said:

not good.. 

[joeyjoejoejuniorshabadoo]

2 hours ago, blah_blah said:

Hamish a question since you work at the bank

 

Do Banks offer mortgage brokers and public the same interest rate? 

The commission that mortgage brokers get is that seperate or built into a higher interest rate offered to a mortgage broker from the bank

We offer the exact same products via both channels - some brokers may try to lead clients towards the more expensive product that gives them a better commission however this is actually not allowed as brokers are required to be at arms length from product selection.

The commission is paid by the bank and not the client nor the loan

[joeyjoejoejuniorshabadoo]

2 hours ago, blah_blah said:

Spose it depends if was a Part 9 or Part 10 insolvency or full bankruptancy

In any case it should stay on the credit history and just mean muchharder to get a loan and should get higher interest rates

They will all flag that the client would be considered higher risk and all appear on credit files.

A part IX and X really mean the same thing, the main difference is the expense in applying for the X due to the CPA requirement. 

 

[dezz]

What are the chances that of the two ssds in the laptop, the one I put in the dock first was never used as the other one never reached capacity? Unlikely I'd imagine, but I only tried one of the 2 last night.. I'll try the second one tonight but I'm not expecting anything different..

[joeyjoejoejuniorshabadoo]

43 minutes ago, dezz said:

What are the chances that of the two ssds in the laptop, the one I put in the dock first was never used as the other one never reached capacity? Unlikely I'd imagine, but I only tried one of the 2 last night.. I'll try the second one tonight but I'm not expecting anything different..

You are totally the Greg of computers

[blah_blah]

1 hour ago, joeyjoejoejuniorshabadoo said:

We offer the exact same products via both channels - some brokers may try to lead clients towards the more expensive product that gives them a better commission however this is actually not allowed as brokers are required to be at arms length from product selection.

The commission is paid by the bank and not the client nor the loan

Intradastng 

That clears it up.

Just thought it was weird when i tried applying for a home loan my broker couldnt match my interest rate with the big fours when i went direct. Maybe just a crap broker.

[Birds]

21 minutes ago, joeyjoejoejuniorshabadoo said:

You are totally the Greg of computers

And shares

 

 

 

computers/shares

computershare

thats jus a lil stock market humour

[UNR33L]

that was probably your secondary ssd, cant imagine your $3000 laptop would only have 120GB as it's main drive 

[dezz]

It's got 2 x 128gb ssds and the 1TB sata ..just plugged the second ssd into the dock, it came up as E drive straight away but then followed by a 'disk needs to be formatted' message..
Opened disk management and it's showing more info than with the other one... Can anything be recovered from it?

[dezz]

[Odium]

Ummmmmm, the two 128GB SSD's weren't set up as a RAID 0 array were they?

If so, you won't be able to access the data on either of them without them both being plugged in and having a Raid controller that knows what to do with them

[dezz]

Ummmmmm, the two 128GB SSD's weren't set up as a RAID 0 array were they?

If so, you won't be able to access the data on either of them without them both being plugged in and having a Raid controller that knows what to do with them

[TiTAN]

What are the chances that of the two ssds in the laptop, the one I put in the dock first was never used as the other one never reached capacity? Unlikely I'd imagine, but I only tried one of the 2 last night.. I'll try the second one tonight but I'm not expecting anything different..

If it has two and they were in raid0, you won't be getting anything off of them without having the same chipset to plug them into. (Basically not going to happen)

raid1 is a better setup to be running if you have the choice, but you only get the space of one drive and you can recover from a dead drive or a dead computer as both drives contain all the same data without requiring the chipset that put it on there to read it.

[TiTAN]

I disagree with manufacturers selling products with raid0 setups, that shouldn't be an option for most people as they don't understand the risks and drawbacks involved in doing it, just put the one bigger Pci-e ssd in it, it's easily faster than two sata ones anyway.