I have once again a little story that has made me quite angry and also amazed.
I have in the past 1-2 years now and then also made a Deposit through my girlfriend, no huge sums, always only small deposits and sometimes withdrawals. Just in the last half year it has been next to nothing in transactions
The account was never in the minus etc. it was not gambled at the limit, ehr rarely and small amounts.
Meanwhile, my girlfriend has a permanent employment contract and also a good solid income, which is why she has considered taking out a loan for a new car
Whether this is a good idea or not, let's leave aside. She has tried to apply for a loan online with different providers, everything has been rejected so far after a corresponding check with the reason that there are gambling transactions on her account
Her Schufa score is very good, no entries. She had to grant full access to her account when applying for a loan
Now the house is in trouble for the time being. Today she has an appointment with your bank advisor (savings bank) where she will try it again, or inquires there
Have you ever been confronted with this problem? If so, how could you solve it?
In general, I think it is important that every user is aware of the effects that gambling can have. You can quickly get into a predicament where a loan is necessary and if that fails because of some gambling movements on the account...
1 year ago she would have received a loan with an almost zero interest rate and now where inflation is extreme, the interest rates have risen. In addition, her car will now be significantly more expensive than if she had bought this car 1 year earlier. Because almost everywhere the prices have increased extremely.
1 year ago she would have received a loan with an almost zero interest rate and now where inflation is extreme, the interest rates have increased. In addition, her car will now be significantly more expensive than if she had bought this car 1 year earlier. Because almost everywhere the prices have increased extremely.
And if she closes a new account, with another bank? Then the loan should be no problem in 3 months at the latest..
What if she takes out a new account, with a different bank? Then the loan should not be a problem in 3 months at the latest...
Hypothesis....
You would be the girlfriend of SimonH.
Simon to you, yo sorry darling, stupidly run, make times somewhere else an account on, in at the latest 3 months a credit should be no more problem
Well Schatzi and if not, maybe you can pump someone else so you get your car?
I'm out of the number😵💫
I think you should take SimonsH warning seriously
Fact is just - and this is also my own experience, banks and gambling bites - and even more so if they have to screen you "credit conditional".
Sometimes it only takes a single point for the bank to say NO
Beyond that (due to the digital fact) you are pretty transparent anyway.
Then it does not bring much to look for another (reputable) bank, they already know you before you have even introduced yourself
Thank you for your answers! So according to current status, it has so far tried only with online providers which are particularly "cheap". The judgment of the house bank is still pending, or there was an appointment. I'll keep you up to date
Simon to you, yo sorry darling, stupidly run, make times somewhere else an account on, in at the latest 3 months a credit should be no more problem
Well Schatzi and if not, maybe you can pump someone else so you get your car?
I'm out of the number😵💫
I think you should take SimonsH warning seriously
Fact is just - and this is also my own experience, banks and gambling bites - and even more so if they have to screen you "credit conditional".
Sometimes it only takes a single point for the bank to say NO
Beyond that (due to the digital fact) you are pretty transparent anyway.
Then it does not bring much to look for another (reputable) bank, they already know you before you have even introduced yourself
Yes that's really a stupid number and as you say, I fall there of course right out haha
But yes, you should have that in any case in mind, that it is so extreme, I was not clear and I have it despite many activity here on GJ never read here so
was it obvious to the banks through the account view that the transfers were to gambling operators, or did you always transfer the money to eWallets and only forward it from there?
I ask because I myself have made dozens of transfers to Neteller/EcoPayz/Muchbetter over months, an installment loan from my house bank.im retrospectively but was still approved.
SimonH wrote on 04.10.2022 at 18:30: Thanks for your answers! So according to the current status, she has tried it so far only with online providers which are particularly "cheap". The judgment of the house bank is still pending, or there was an appointment. I'll keep you up to date
Would you like to post the reason? I would be interested. Especially with online providers, I would have expected a general formulation without really justification. "Unfortunately, we cannot currently offer you a loan in the desired amount" or something along those lines
I'm surprised that they give gambling as a direct reason
SimonH wrote on 04.10.2022 at 18:30: Thanks for your answers! So according to the current status, she has tried it so far only with online providers which are particularly "cheap". The judgment of the house bank is still pending, or there was an appointment. I'll keep you up to date
You can also apply online loans without account insight. There are enough providers who offer it with the normal standard procedure (Schufa / proof of income).
The Santander and VW Bank, for example.
Or as was said, finance directly through the dealership (even the small "gravel place dealers" offer financing). At the Dealer you will also get better conditions than at the bank itself, the big dealers offer even up to 0% financing, rarely over 2%.
Maximus_Winnus wrote on 04.10.2022 at 19:25: Hello SimonH,
was it specifically obvious to the banks through the account lookup that it was transfers to gambling operators, or did you always transfer the money to eWallets, and only forwarded from there?
I ask because I myself have made dozens of transfers to Neteller/EcoPayz/Muchbetter over months, an installment loan from my house bank.im retrospectively but was still approved.
The deposits were processed with the payment Provider of the respective casinos. No e-wallets
Would you like to post the reasoning? I would be interested. Especially with online providers I would have expected there a general formulation without really reasoning. "Unfortunately, we can not currently offer them a loan in the desired amount." or something along those lines
I'm surprised that they give gambling as a direct reason
As far as I can pass it on, only gambling transactions were mentioned as a reason, without further details!
No credit because of gambling transactions!
Nobody has liked this post so far
1 year ago she would have received a loan with an almost zero interest rate and now where inflation is extreme, the interest rates have risen. In addition, her car will now be significantly more expensive than if she had bought this car 1 year earlier. Because almost everywhere the prices have increased extremely.
This post has been translated automatically
No credit because of gambling transactions!
Liked this post:
Max_Bet
And if she closes a new account, with another bank? Then the loan should be no problem in 3 months at the latest..
This post has been translated automatically
No credit because of gambling transactions!
Nobody has liked this post so far
Hypothesis....
You would be the girlfriend of SimonH.
Simon to you, yo sorry darling, stupidly run, make times somewhere else an account on, in at the latest 3 months a credit should be no more problem
Well Schatzi and if not, maybe you can pump someone else so you get your car?
I'm out of the number😵💫
I think you should take SimonsH warning seriously
Fact is just - and this is also my own experience, banks and gambling bites - and even more so if they have to screen you "credit conditional".
Sometimes it only takes a single point for the bank to say NO
Beyond that (due to the digital fact) you are pretty transparent anyway.
Then it does not bring much to look for another (reputable) bank, they already know you before you have even introduced yourself
This post has been translated automatically
No credit because of gambling transactions!
Nobody has liked this post so far
This post has been translated automatically
No credit because of gambling transactions!
Nobody has liked this post so far
Yes that's really a stupid number and as you say, I fall there of course right out haha
But yes, you should have that in any case in mind, that it is so extreme, I was not clear and I have it despite many activity here on GJ never read here so
This post has been translated automatically
No credit because of gambling transactions!
Liked this post:
bigbig
was it obvious to the banks through the account view that the transfers were to gambling operators, or did you always transfer the money to eWallets and only forward it from there?
I ask because I myself have made dozens of transfers to Neteller/EcoPayz/Muchbetter over months, an installment loan from my house bank.im retrospectively but was still approved.
This post has been translated automatically
No credit because of gambling transactions!
Liked this post:
Max_Bet
Would you like to post the reason? I would be interested. Especially with online providers, I would have expected a general formulation without really justification. "Unfortunately, we cannot currently offer you a loan in the desired amount" or something along those lines
I'm surprised that they give gambling as a direct reason
This post has been translated automatically
No credit because of gambling transactions!
Liked this post:
Max_Bet
You can also apply online loans without account insight. There are enough providers who offer it with the normal standard procedure (Schufa / proof of income).
The Santander and VW Bank, for example.
Or as was said, finance directly through the dealership (even the small "gravel place dealers" offer financing). At the Dealer you will also get better conditions than at the bank itself, the big dealers offer even up to 0% financing, rarely over 2%.
This post has been translated automatically
No credit because of gambling transactions!
Nobody has liked this post so far
The deposits were processed with the payment Provider of the respective casinos. No e-wallets
This post has been translated automatically
No credit because of gambling transactions!
Nobody has liked this post so far
As far as I can pass it on, only gambling transactions were mentioned as a reason, without further details!
This post has been translated automatically