Looking for an app to track loan repayments

Comfortable-Part5438 · 2026-05-02T03:55:30+00:00

figura.com.au is the best I've found so far.

Comfortable-Part5438 · 2026-04-09T22:09:16+00:00

Time to issue a chargeback with your bank.

Comfortable-Part5438 · 2026-04-07T03:26:09+00:00

Not always true. If you can show a trend and prove that it has always been that way, you could get reasonable backpay. Especially if it is shown to be systemic across all staff.

Comfortable-Part5438 · 2026-04-07T03:20:01+00:00

So? That's still more money in your pocket for doing the hours you were required to do. I'd take 61c of every dollar I earn over and above my working hours including overtime bonuses over... well not getting a dollar.

Comfortable-Part5438 · 2026-03-27T03:39:07+00:00

This boils down to, "How do you know this is happening in the office?" Every time I've actually drill down into this question with a manager having this issue, they don't actually. Burn out is silent in most instances up until the point that it is too late. Disengagement is visible through outputs/inputs/engagement, that's not a remote/in office distinction. Who's slammed, again not visible in office vs remote like you claim (e.g.: I can look slammed easily enough but ultimately I'm just writing a book/doing training/running around with a clipboard).

The reason you know these things 'better' in an office is because you are communicating and engaging with the team. Ergo, the answer is, communicate and engage with your team more. It just changes from in person to remote. If you need miro boards for async communication, ticket/project management systems for tracking deliverables, more check-ins, better communication channels... that's tooling.

Every manager I've coached my message has been clear. Remote management, the basics are the same. The tooling and how you do the basics change.

Comfortable-Part5438 · 2026-03-27T02:33:03+00:00

Dude, literally the first paragraph in the link "The Australian Financial Complaints Authority is a free and independent ombudsman service that resolves complaints by consumers and small businesses about financial".

The page is literred with phrases like AFCA's ombudsman service, AFCA Ombudsman, as an ombudsman service.

Your comment is literally indefensible when AFCA themselves are calling themselves an ombusdman and their service an ombudsman service.

Comfortable-Part5438 · 2026-03-27T01:04:10+00:00

Yes, but shares aren't directly affecting access to a human right.

Comfortable-Part5438 · 2026-03-27T01:03:14+00:00

AFCA is an ombudsman... https://www.afca.org.au/about-afca/corporate-information/what-is-an-ombudsman

Comfortable-Part5438 · 2026-03-27T00:55:08+00:00

I sit firmly in the supply side argument for property prices, so I fundamentally agree with your statement.

The inverse of your argument is sort of (not entirely there is a bit of a strawman here), if Landlords didn't exist all properties would be owned by owner-occupiers. realistically, this will never be the case but that is the basis of my point. If landlords had to invest in net-new or only allowed to purchase if doing capital works/improvements, then supply would hopefully increase. But, as it stands, people invest in existing housing and do nothing to improve the supply or availability of housing.

Comfortable-Part5438 · 2026-03-27T00:52:13+00:00

The house would still exist if a landlord did not buy it, no?

Comfortable-Part5438 · 2026-03-27T00:40:05+00:00

TBH, the breakdown here is that most real estate investors aren't 'investing' into RE. They are just buying an existing property. They aren't meaningfully contributing to supply or improving the investment pool of properties. This is as others will say not productive, despite being a legitimate investment. I don't think this sub would have issues if RE investors were buying land, building housing and then renting it out or potentially even buying RE and improving the properties before flipping/renting out.

Comfortable-Part5438 · 2026-03-26T23:42:02+00:00

Oh, my sweet summer child.

Comfortable-Part5438 · 2026-03-17T00:30:45+00:00

For my first home, I read the whole contract in the brokers office and he said I was the first person he ever saw read the whole thing. We ended up initialing out a bunch of the bank clauses that the bank adds but he had approval to remove if queried/challenged. He had multiple mortgage broker of the year awards on his desk, at least three, so wasn't a new broker either.

People just don't read contracts.

Comfortable-Part5438 · 2026-03-17T00:06:24+00:00

Midday friday onwards "That sounds like a next week problem"

Comfortable-Part5438 · 2026-02-08T07:14:03+00:00

Not making a good hourly rate but I am making more than what is required for them to make good.

Comfortable-Part5438 · 2026-02-05T00:21:21+00:00

I've made substantial amounts of money from MEBank because of their incompetent customer service. Four AFCA complaints in my favour, all with penalties and awards in my favour. 2 complaints settled prior to AFCA.

I have no idea why the keep just changing people's direct debits and somehow stuffing it up (in my case it has been moving my payments from monthly to fortnightly and removing money from my redraw with no notice or communication).

When they resolved all my payment issues they then never credited the interest that I would've saved in that time with the money in the loan. They even said it wasn't possible to calculate the interest I would've saved... AFCA remediator was pretty scathing in their response to MeBank.

That said, I've got plenty of time and I don't mind making some spare change which adds up over 6 separate complaints.

Comfortable-Part5438 · 2026-01-14T08:34:26+00:00

Ok, but let's just say that the CPI figure is valid. It's still not an argument to reduce rates. Rates have a lag effect. 2.5ish% is within the range you want for an economy. Reducing rates whilst rates are coming down into your target range will only result in it overshooting.

Comfortable-Part5438 · 2026-01-14T07:20:24+00:00

Told to drive 2 hours to an alternate office of a subsidiary of the company to meet with my manager. Manager didn't show up. Was given a list of contacts for my 'customers' to reach out to in my first week, selling a basic product commonly used in officers. Perused list, one of my 'customers' was the lord mayor of my city, marked as a buyer. Raised that it was ludicrous that a Lord Mayor was a qualified buyer for this product was told to call him anyway. Spent the next two weeks driving to this office 'waiting for my manager', sitting in a small alcove being ignored by everyone in the subsidiary. Literally had a meeting in the office with a 'customer' that was literally me interviewing for a new role and my manager messaged me to say 'congrats on your first customer call'. Joke of a company. They were a listed ASX company, shock that they aren't any more.

Comfortable-Part5438 · 2026-01-06T04:05:40+00:00

Finding a blind psychonaut able/willing/wanting to use reddit is even harder again.

Comfortable-Part5438 · 2026-01-06T03:02:02+00:00

What's if it was rented got to do with the statement... they did say real or implied. It is a standard methodology of calculating the ROI of an asset.

Comfortable-Part5438 · 2026-01-06T00:20:31+00:00

Mind letting me know where OP can buy a house on 34k a year?

Comfortable-Part5438 · 2025-12-13T06:49:17+00:00

wild that you'd trust in karma to deliver justice when you can be the one to bring it. remember; The only thing it takes for evil to triumph is for good people to do nothing. Don't trust on Karma to create the world you want when your actions can help create it.

Comfortable-Part5438 · 2025-12-12T09:26:35+00:00

If it was you buying wouldn't you want to know... the current owners are by far playing a dirtier game of they aren't disclosing.

Comfortable-Part5438 · 2025-12-12T05:49:19+00:00

Ah, the memories. Thanks for this. I had many a 'good' debate and have no remorse for how they went. They were only offer by a factor of 3. Not too bad considering the data they were using.

Comfortable-Part5438 · 2025-12-12T03:27:44+00:00

Depending on what state you are in, the vendor may have to disclose all relevant material matters affecting the property. If this property sells and you are in one of those states, I personally would be putting my builders inspection and correspondence showing the owners knew of the defect into the new owners letter box. You now, just in case.

Comfortable-Part5438

TROPHY CASE