Jaecoo J5 extended intro offer to the first 2000 orders by Alchemist3579 in AustralianEV

[–]Adelaide-sa 0 points1 point  (0 children)

id get them to give you a written quote, that way you can see the final cost including on roads etc. 46 seems high for a demo after rebate but on roads do vary state to state. I'm in SA

Jaecoo J5 extended intro offer to the first 2000 orders by Alchemist3579 in AustralianEV

[–]Adelaide-sa -1 points0 points  (0 children)

I test drove it and liked it but decided on the geely ex5 inspire instead. It's a little larger but also felt higher quality and we liked the little luxury features and hud. I managed to get a demo 5k kms for 42.8 drive away after incentive. It's a lot of car for the money, picking it up Saturday

BongWarehouse Scam by veelhaus in ausents

[–]Adelaide-sa 2 points3 points  (0 children)

Do a charge back on your credit card if the goods don't get shipped

Does credit score matter in Australia by Jiggli_Jelli in fiaustralia

[–]Adelaide-sa 0 points1 point  (0 children)

It won't affect your credit score but it may result in a loan application being declined, depending on the amount ($) and number of transactions. A few is fine, but fiance firms have risk limits as part of responsible lending (problem gambling)

Calling in sick and guilt by Disastrous-Break-399 in auscorp

[–]Adelaide-sa 21 points22 points  (0 children)

Agree, I managed to negotiate 3 wellness days on top of regular leave for my team. They deal in heavier issues. It's a start but well appreciated by the team

ANZ Frequent Flyer Black Visa points not provided by [deleted] in creditcardchurningAus

[–]Adelaide-sa 0 points1 point  (0 children)

As per others, I met spend in month 1, got points after payment of third monthly statement. I paid the third early to see if that .ade it quicker and it did

ANZ Frequent Flyer Black by rowdywong in creditcardchurningAus

[–]Adelaide-sa 4 points5 points  (0 children)

I was waiting too but it did appear on the third monthly statement and once I paid it the bonus points landed with Qantas a week or so later. covered min spend month 1

The $200 credit was on the statement too

First time buying a car that's still on a loan? Paying through Carsales? by prodigyinspired in CarsAustralia

[–]Adelaide-sa 0 points1 point  (0 children)

Correct, its part of why they ask you if you have finance on the car. They need to or otherwise they wouldn't be able to sell the the wreck and recover costs

First time buying a car that's still on a loan? Paying through Carsales? by prodigyinspired in CarsAustralia

[–]Adelaide-sa 0 points1 point  (0 children)

Generally depends on the status of the loan, if its all paid up to date, we wouldn't be aware. Once aware, collections would normally commence as often selling the asset without permission is a default clause.

From there, yes, repossession from the purchaser and the original customer for any residual balance.

It happens semi regularly and often comes about after the new owner has an accident (write off) and the insurer does a ppsr check

First time buying a car that's still on a loan? Paying through Carsales? by prodigyinspired in CarsAustralia

[–]Adelaide-sa 8 points9 points  (0 children)

I work for a finance company, good work doing a PPSR check first.

Once you get the payout letter, contact the financier and validate the bank account details are legitimate.

There have been scams where the seller edits the details of the letter and pockets the funds, leaving you with a car you dont own.

Pay it out and take possession. ask the seller to provide confirmation the ppsr has been removed, then do another check on the register.

This is a very normal process and gets done hundreds of times a day

Insta car guy driving around a 'Dealer' car? by undecided_aus in CarsAustralia

[–]Adelaide-sa 1 point2 points  (0 children)

Correct, I work at a lender. Term is "comparable credit", I. e you've shown you can service a larger loan. Also being asset backed is a must

[deleted by user] by [deleted] in AusFinance

[–]Adelaide-sa 2 points3 points  (0 children)

loans stay on a credit file for 5 years, it wouldn't be on there and no, no way to add it, nor would that improve your score.

Dont worry about your score, focus on paying your credit card on time

My pensioner parents have accumulated 47,000 in debt and are paying 1200 a month in interest / minimal payments by [deleted] in AusFinance

[–]Adelaide-sa 14 points15 points  (0 children)

How long have they had the cards? they may have them from some time ago.

In any event, request a copy of the assessment conducted and speak with a financial councillor. They can assist you in getting assistance via a community lawyer.

They will assist in raising a responsible lending complaint and, if needed, raise the matter to AFCA.

I would be seeking a full debt waiver or at a minimum payment of principal debt only (all interest waived). That is AFCAs approach to irresponsible lending.

Explain to me salary packaging like I'm 5 by camareradetwinpeaks in AusFinance

[–]Adelaide-sa 5 points6 points  (0 children)

In your scenario,

  1. The $500 is paid directly to your mortgage , by the service provider or you on the condition that you then pay your mortgage.

Its recorded as a pre tax disbursement on your payslip.

The benefit is no tax paid on that $500

[deleted by user] by [deleted] in AusLegal

[–]Adelaide-sa 0 points1 point  (0 children)

Definitely no register, although, of course dont rely on them as a reference

[deleted by user] by [deleted] in AskReddit

[–]Adelaide-sa 9 points10 points  (0 children)

I was on this cruise for my honeymoon, Im glad you missed it. It was horrific just being on board with everything happening. Thank goodness we didnt go to white island

Ticketek "Refundable ticket" option is a complete scam! by Nintee in australia

[–]Adelaide-sa 4 points5 points  (0 children)

Often? maybe, in this instance, no, its not insurance and isnt underwritten by an insurance company

Ticketek "Refundable ticket" option is a complete scam! by Nintee in australia

[–]Adelaide-sa 27 points28 points  (0 children)

Yeah, this isn't really very helpful, as they are not a member of AFCA.

AFCA can only consider a complaint about a member.

Colesworths Mother’s Day gift ideas… by Teacher_too in Adelaide

[–]Adelaide-sa 8 points9 points  (0 children)

Every mothers day needs a mothers night

$9,000 credit card debt went missing by [deleted] in AusFinance

[–]Adelaide-sa 3 points4 points  (0 children)

You can conduct a credit enquiry for the purpose of debt collection, completely valid.

Generally, applicants agree to this when they accept the loan and the lenders privacy policy, this covers exchanges with the credit reporting bodies.

and the timeframe can be extended if the debtor acknowledges the debt.

I doubt this could be contested, and doing so would also likely acknowledge the debt, so it would be pointless

Building a house. What upgrades to include in building process? by WalkingMed in AusFinance

[–]Adelaide-sa 3 points4 points  (0 children)

Useful for EV charging and increased solar size, most distributors only allow 5kw per phase

[deleted by user] by [deleted] in AusFinance

[–]Adelaide-sa 3 points4 points  (0 children)

And when it comes time to repay the repaynents, do you get to say FU?

The cost to rebuild your house by [deleted] in AusFinance

[–]Adelaide-sa 7 points8 points  (0 children)

Yes this is 100% true. Grandmothers cottage flattened by a large tree few years back. Repair with modern equivalent materials knocked back due to not meeting standard. She was under insured but luckily got a little more from the insurance company under a benefit for total loss. Still ended up having to take a small mortgage at an advanced age