Astrohawke » user profile

Member Since 05/11/2018
Last Seen 16 hours 45 min

Recent Activities

Ever heard the saying "Never attribute to malice that which is adequately explained by stupidity"? If you really think someone at the top...
18/06/2021 - 19:21
In my experience working within a large company that wants to uphold a reputation, no one sets out to deliberately screw over their...
18/06/2021 - 18:03
CEO of billion dollar company doesn't care about these things lol. They gain nothing from winning. Lose = lose money + reputation. Win =...
18/06/2021 - 17:07
You missed my entire point and decided you wanted to vent about banks lmao. Try to look past that and instead focus on what I said about...
18/06/2021 - 16:49
No it isn't hilarious actually. I work for one of the big 4 banks and we often end up waiving debt if someone raises up enough of a stink,...
18/06/2021 - 16:24
I agree with this. It's too easy for consumers to bully big companies because it's just not worth the costs and possible negative publicity...
15/06/2021 - 18:51
I never said they do nothing. It entirely depends on the individual circumstances. 260 days delinquent and haven't heard a peep from them,...
10/09/2019 - 20:32
There's a long path between the default notice being issued and the bank forcing you to sell, it's not really the same thing. The system...
07/09/2019 - 01:37
CCR is being used to generate a credit score. Hard to get an accurate credit score when it can only go down via negative reporting. That's...
07/09/2019 - 01:15
Which bank do you work for that freezes offset accounts as soon as you miss a payment? Offset accounts get used as transaction/savings...
07/09/2019 - 01:01
This confuses so many people and it's so hard to explain because people just can't wrap their head around it. Your repayment is calculated...
31/08/2019 - 08:13
Last paragraph is untrue. The whole point of comprehensive credit reporting is so that you're not being assessed on just your missed...
31/08/2019 - 07:26
This simply isn't true for home loans. We don't freeze offset accounts. What would be the point? And court action most definitely does not...
31/08/2019 - 07:09
I work in collections for big 4 bank and generally as long as you are communicating with us, we will work with you to prevent foreclosure...
31/08/2019 - 06:58
That's the thing. On paper your income isn't able to service the loan as you are relying on your parents to pay half of it. That's risky...
31/08/2019 - 06:31
I work in collections for big 4 and so often I see self employed people fall behind on their repayments because they tell me their income...
31/08/2019 - 06:10
Once. I called someone I knew from uni. Like I recognised the name and knew who he was but I didn't really know him personally if you know...
06/04/2019 - 21:01
Unsure what you mean. I work in the bank. We only collect on debts that people have taken out with the bank.
06/04/2019 - 13:16
This is true. I see a lot of people who had interest only home loans that had no idea when that interest only period ended then were...
06/04/2019 - 13:12
You do get that every so often. Usually this goes 2 ways. If they want to kick up a fuss and refuse to pay, I let the complaints department...
06/04/2019 - 13:03
Like the ones where I think they're bullshitting me? It's hard to say because I don't really judge and you can't exactly call them out. At...
06/04/2019 - 12:50
I don't know the exact amount but most unsecured debt doesn't go to the litigation stage because it just isn't worth it. I've seen debts...
06/04/2019 - 12:33
Unsure as I haven't worked near the EOFY. Banking EOFY is in September, I started in October last year. Write-offs happen after a certain...
06/04/2019 - 03:13
I don't personally. I just request certain details such as who's managing the estate and ask them to submit a death certificate then the...
06/04/2019 - 02:56
Been working there about 6 months now. A lot of people seem to have misconceptions of what we do so maybe this will clear some of it up. No...
06/04/2019 - 02:07
I worked in a pharmacy in Melbourne CBD. Lots of students in that area so constantly getting requests for ID photocopies and certifications...
10/11/2018 - 21:29
I mean the interaction/contraindication part is already being done by software. The pharmacist is just reading that off their screen. They...
10/11/2018 - 11:28
Buying a pharmacy just isn't realistic for the majority of people. Since you can't open any new ones, you have to buy an existing one and...
10/11/2018 - 00:59
The death of a profession is gradual, it won't happen overnight. People also generally don't like change so they will stick with what they...
09/11/2018 - 03:29