Topic created on 20th Apr. 2019 | Page: 6 of 10 | Answers: 97 | Views: 38,921
Anonym
Former Member
Volksbank account cancellation
26th Apr. 2019, at 10:17 am CEST#51
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ruhrpott wrote on 04/26/2019 00:24 AM
Okay, that's fine then if the bank does it that way then.
Let's see what Howard answers. I am also with Sparkasse and I for one can say that the bank gives me zero problems as far as gambling is concerned. I've been a customer there for ages, and so far there hasn't even been any demand, which is how it should be.
I am also with the Sparkasse. There were once questions from my bank advisor regarding the inputs and outputs. I was asked if I had made these transactions, if someone was threatening me or something else. I said no, everything is fine, are from and for spoetwetten and since then is quiet.
capriz wrote on 04/26/2019 at 10:17 am
Am also with the savings bank. There once came back questions from my bank advisor regarding incoming and outgoing. I was asked if I made these transactions, if someone threatened me or anything. I said no, everything is fine, are from and for spoetwetten and since then is quiet.
Ah yes the word geldwaesche is also fallen...
Hmm interesting, so as I said I have so the last 5,6 years online gambled
sometimes more sometimes less
the last 2,5 years more often
teiwkeise only 3-5 transactions a month
partly (if what was won) also really many to the 50 transactions and then only in so 50-100€ steps ... to different OC.
and partly those were really awesome sums ( 10.000€ in 3 weeks money movement - in & out payments together counted )
Now I'm just since 2.5 months free but have really worry that the report in retrospect (especially also with regard to future loans times for n house or so)
fortunately I have never had a loan / Debt / dispo
my girlfriend only knows that I used to gamble but not that I was still as active as it was the case until 2.5 months ago
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Anonym
Former Member
Volksbank account cancellation
26th Apr. 2019, at 01:46 pm CEST#53
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ZuIR4m wrote on 04/26/2019 at 12:42 PM
Hmm interesting, so as I said yes I have been gambling online for the last 5,6 years like this
sometimes more sometimes less
the last 2,5 years more often
teiwkeise only 3-5 transactions a month
partly (if what was won) also really many to the 50 transactions and then only in so 50-100€ steps ... to different OC.
and partly those were really awesome sums ( 10.000€ in 3 weeks money movement - in & out payments together counted )
Now I'm just for 2.5 months free of play but have really worry that the report in retrospect (especially with regard to future loans times for n house or so)
fortunately I have never had a loan / Debt / dispo
my girlfriend only knows that I used to gamble but not that I was still as active as it was the case until 2.5 months ago
Ah bullshit.. I get loans everywhere. As long as your score and schufa is in order, there is no problem
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Anonym
verified
Former Member
Volksbank account cancellation
26th Apr. 2019, at 01:46 pm CEST#54
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What's wrong with looking around for a new credit institution? The market is there, and you no longer have to go out the door to get a loan for a house. You can now do that from the comfort of your couch
Money is cheap at the moment, especially for construction loans. Why you necessarily have to go to a bank in the woods and meadows, such as a savings bank, is not really clear to me. By the way, lenders like it if you already have some experience in servicing loans. Hopefully you at least have a credit card so that you don't have a clean slate when you want 200k.
Totoro wrote on 04/26/2019 at 1:46 pm: Hopefully you at least have a credit card so you're not left with a clean slate if you ever want 200k.
Totoro, I beg you... that one up there in the quote is nonsense and/or similarly coherent to "I hope I don't get fat when Bayern get screwed by the club on Sunday."
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Anonym
verified
Former Member
Volksbank account cancellation
26th Apr. 2019, at 03:45 pm CEST#56
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This is no nonsense. Not every credit entry is negative. However, if you have nothing at all, you are "suspicious" for the time being. Experience values from the circle of acquaintances. I had pockets full of money and always paid everything in cash. Due to the financial crisis suddenly got into difficulties and had some problems in the search for a lender
Totoro wrote on 04/26/2019 at 13:46: What's wrong with looking around for a new lending institution already? The market is there and to get a loan for a house you don't necessarily have to go out the door anymore. You can now do that from the comfort of your couch
Money is cheap at the moment, especially for construction loans. Why you necessarily have to go to a bank in the woods and meadows, such as a savings bank, is not really clear to me. By the way, lenders like it when you already have some experience in servicing loans. Hopefully you at least have a credit card so that you don't have a clean slate when you want 200k.
I only have a credit card for vacations (New York, Turkey etc)
otherwise I don't need it for anything.
Well I've just never needed n credit... I earn my 2.5K a month and am 27 without children... there you can afford most just so without credit or installment etc
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Anonym
Former Member
Volksbank account cancellation
26th Apr. 2019, at 06:36 pm CEST#59
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Hi,
here is my answer. So, I had my Dispo often fully auseitzt and was often at the limit with it. But then I also won again and had it paid out to my checking account. They have of course seen that it was casinos. The biggest stupidity was but that I had pulled at that time in the casino Hannover with the Visa card from the savings bank money at the machine directly in the casino. That cost me then not only the Visacard, but the entire Dispo. In addition, there was a very unpleasant conversation with my advisor. I then left the cash register and went to Sparda. Had then months iron no longer gambled and got there again a Dispo.
The Gambling addiction grabbed me but again and also the Sparda has seen that I gamble. In addition, I then still had some loans running. the incredible thing was that I got from the Volksbank still a fairly high loan to reschedule.
But already then it was clear that I can no longer serve this loan and I turned to a Debt counselor. Then everything went very fast with my private insolvency. That runs now already in the 2. year
Despite all this I can not say that I am doing badly. I live in my mother's house at a reduced price and still have enough money to live on. Soon the inheritance will occur and then I can end the entire private insolvency early and will still have enough money to buy a small apartment. However, this will not be here near the city but far outside.
Today, as I said before, I play only with very small stakes and thus make only small wins around 100 - 200 euros a month with roulette. The entire payment transaction goes over a Preparid Visacard. Thus, my house bank can not see that.
So, to the thing with the house building and earlier Zockerei. I think it will be no more problems for you. On the one hand, you have no debts and therefore good SCHUFA, on the other hand, that was a long time ago, now no one comes.
A SCHUFA score is calculated from the entire payment transactions. if direct debits are not honored, or loans are not serviced, you have a very bad score. if you always pay everything and earn as much as possible, you have a very good score
You can make a SCHUFA self-disclosure for a fee, or then it is free you just ask his bank. Attention every credit request, even if you do not borrow money reduces the score.
Conclusion, as far as the banks are concerned, I have no regrets. I am very confident that I will be able to shorten the entire insolvency process to 3 years.
so now here is the answer from me. So, I had my Dispo often fully auseitzt and was often at the limit with it. Have then but also times again won and paid out to my checking account. They have of course seen that it was casinos. The biggest stupidity was but that I had pulled at that time in the casino Hannover with the Visa card from the savings bank money at the machine directly in the casino. That cost me then not only the Visacard, but the entire Dispo. In addition, there was a very unpleasant conversation with my advisor. Then I left the cash register and went to Sparda. Had then months iron no longer gambled and got there again a Dispo.
The Gambling addiction grabbed me but again and also the Sparda has seen that I gamble. In addition, I then still had some loans running. the incredible thing was that I got from the Volksbank still a fairly high loan to reschedule.
But already then it was clear that I can no longer serve this loan and I turned to a Debt counselor. Then everything went very fast with my private insolvency. That runs now already in the 2. year
Despite all this I can not say that I am doing badly. I live in my mother's house at a reduced price and still have enough money to live on. Soon the inheritance will occur and then I can end the entire private insolvency early and will still have enough money to buy a small apartment. However, this will not be here near the city but far outside.
Today, as I said before, I play only with very small stakes and thus make only small wins around 100 - 200 euros a month with roulette. The entire payment transaction goes over a Preparid Visacard. Thus, my house bank can not see that.
So, to the thing with the house building and earlier Zockerei. I think it will be no more problems for you. On the one hand, you have no debts and therefore good SCHUFA, on the other hand, that was a long time ago, now no one comes.
A SCHUFA score is calculated from the entire payment transactions. if direct debits are not honored, or loans are not serviced, you have a very bad score. if you always pay everything and earn as much as possible, you have a very good score
You can make a SCHUFA self-disclosure for a fee, or then it is free you just ask his bank. Attention every credit request, even if you do not borrow money reduces the score.
Conclusion, as far as the banks are concerned, I have no regrets. I am very confident that I will be able to shorten the entire insolvency process to 3 years.
I won't get any more loans, but I don't want to!
yes awesome, that is of course a WHOLE different house number as with me...
so clearly I have also gambled (for me) high sums and have certainly in my gambler life something to 100,000 € converted but just NEVER dispo, debts nor have I so far Jemals a loan at my bank also only applied.
The only thing where you must have misread, is that with the "very long ago" ... I've been playing online for about 4-6 years and have only stopped 2.5 MONTHS ago... long ago I would not call it now
Volksbank account cancellation
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I am also with the Sparkasse. There were once questions from my bank advisor regarding the inputs and outputs. I was asked if I had made these transactions, if someone was threatening me or something else. I said no, everything is fine, are from and for spoetwetten and since then is quiet.
Ah yes the word geldwaesche is also fallen...
This post has been translated automatically
Volksbank account cancellation
Nobody has liked this post so far
Hmm interesting, so as I said I have so the last 5,6 years online gambled
sometimes more sometimes less
the last 2,5 years more often
teiwkeise only 3-5 transactions a month
partly (if what was won) also really many to the 50 transactions and then only in so 50-100€ steps ... to different OC.
and partly those were really awesome sums ( 10.000€ in 3 weeks money movement - in & out payments together counted )
Now I'm just since 2.5 months free but have really worry that the report in retrospect (especially also with regard to future loans times for n house or so)
fortunately I have never had a loan / Debt / dispo
my girlfriend only knows that I used to gamble but not that I was still as active as it was the case until 2.5 months ago
This post has been translated automatically
Volksbank account cancellation
Nobody has liked this post so far
Ah bullshit.. I get loans everywhere. As long as your score and schufa is in order, there is no problem
This post has been translated automatically
Volksbank account cancellation
Nobody has liked this post so far
Money is cheap at the moment, especially for construction loans. Why you necessarily have to go to a bank in the woods and meadows, such as a savings bank, is not really clear to me. By the way, lenders like it if you already have some experience in servicing loans. Hopefully you at least have a credit card so that you don't have a clean slate when you want 200k.
This post has been translated automatically
Volksbank account cancellation
Nobody has liked this post so far
Totoro, I beg you... that one up there in the quote is nonsense and/or similarly coherent to "I hope I don't get fat when Bayern get screwed by the club on Sunday."
This post has been translated automatically
Volksbank account cancellation
Nobody has liked this post so far
This post has been translated automatically
Volksbank account cancellation
Nobody has liked this post so far
what is a score?
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Volksbank account cancellation
Nobody has liked this post so far
I only have a credit card for vacations (New York, Turkey etc)
otherwise I don't need it for anything.
Well I've just never needed n credit... I earn my 2.5K a month and am 27 without children... there you can afford most just so without credit or installment etc
This post has been translated automatically
Volksbank account cancellation
Nobody has liked this post so far
Hi,
here is my answer. So, I had my Dispo often fully auseitzt and was often at the limit with it. But then I also won again and had it paid out to my checking account. They have of course seen that it was casinos. The biggest stupidity was but that I had pulled at that time in the casino Hannover with the Visa card from the savings bank money at the machine directly in the casino. That cost me then not only the Visacard, but the entire Dispo. In addition, there was a very unpleasant conversation with my advisor. I then left the cash register and went to Sparda. Had then months iron no longer gambled and got there again a Dispo.
The Gambling addiction grabbed me but again and also the Sparda has seen that I gamble. In addition, I then still had some loans running. the incredible thing was that I got from the Volksbank still a fairly high loan to reschedule.
But already then it was clear that I can no longer serve this loan and I turned to a Debt counselor. Then everything went very fast with my private insolvency. That runs now already in the 2. year
Despite all this I can not say that I am doing badly. I live in my mother's house at a reduced price and still have enough money to live on. Soon the inheritance will occur and then I can end the entire private insolvency early and will still have enough money to buy a small apartment. However, this will not be here near the city but far outside.
Today, as I said before, I play only with very small stakes and thus make only small wins around 100 - 200 euros a month with roulette. The entire payment transaction goes over a Preparid Visacard. Thus, my house bank can not see that.
So, to the thing with the house building and earlier Zockerei. I think it will be no more problems for you. On the one hand, you have no debts and therefore good SCHUFA, on the other hand, that was a long time ago, now no one comes.
A SCHUFA score is calculated from the entire payment transactions. if direct debits are not honored, or loans are not serviced, you have a very bad score. if you always pay everything and earn as much as possible, you have a very good score
You can make a SCHUFA self-disclosure for a fee, or then it is free you just ask his bank. Attention every credit request, even if you do not borrow money reduces the score.
Conclusion, as far as the banks are concerned, I have no regrets. I am very confident that I will be able to shorten the entire insolvency process to 3 years.
I won't get any more loans, but I don't want to!
This post has been translated automatically
Volksbank account cancellation
Nobody has liked this post so far
yes awesome, that is of course a WHOLE different house number as with me...
so clearly I have also gambled (for me) high sums and have certainly in my gambler life something to 100,000 € converted but just NEVER dispo, debts nor have I so far Jemals a loan at my bank also only applied.
The only thing where you must have misread, is that with the "very long ago" ... I've been playing online for about 4-6 years and have only stopped 2.5 MONTHS ago... long ago I would not call it now
This post has been translated automatically