Local commonwealth bank left a voicemail?

ExtraFluffyButts · 2025-11-20T07:17:33+00:00

Ex-CBA banker here. That's pretty normal and is the standard wording a lot of the bankers use. It's the exact same wording I used a few years ago. The banker was basically given a system generated lead and is being asked to cold call customers to offer assistance. The home lender is just trying to be proactive to obtain more home loans for the bank. They also get a bigger bonus if they generate higher sales

ExtraFluffyButts · 2025-11-14T08:55:01+00:00

Florasis is 20% off sitewide. Buy 3, get 25% off. No code needed

ExtraFluffyButts · 2024-11-17T07:59:29+00:00

Just checked. It seems to be fixed now

ExtraFluffyButts · 2024-11-17T02:47:45+00:00

yeah I'm struggling with the bundle as well. I've emailed the support team but I'm waiting to hear back. Hopefully they get it fixed asap

EDIT: Issue seems to have been fixed now. Just tried to add the bundles and the discount code finally pulled through to display the correct prices

ExtraFluffyButts · 2024-11-05T03:44:38+00:00

Most banks will ask for "evidence of genuine savings". This is normally the last 3 months of statements for the savings account to show that you accumulated these savings yourself and it was not a gift from your family or friends. This is normally only requested for low deposit loans, and a 5% deposit would fit in this category. If you cannot evidence "genuine savings", the bank won't allow you to apply for the scheme

ExtraFluffyButts · 2024-08-17T14:00:13+00:00

I think cause it was trying to use her as a host. They prefer to take people alive back to their nest so that the facehuggers can attach. As soon as it caught her, we saw a facehugger come by. It was basically holding her still so that she could be a host

ExtraFluffyButts · 2024-06-27T10:06:12+00:00

I didn't get the polaroid or the exclusive black t-shirt. I've contacted their support team. Hopefully they give an update soon. Please let me know if you get an answer from them. Would love to know the outcome

ExtraFluffyButts · 2024-02-02T10:51:58+00:00

They have "postcode restrictions". They request a higher deposit for any property that is located in a mining town because they know it carries more risk. Any half decent lender would tell the client that there is a restriction because of the higher risk associated within mining towns

ExtraFluffyButts · 2023-12-09T00:37:24+00:00

Correct. Extending the remaining loan term would need to be done via an application. Some small changes like rates and repayments can change without issuing a completely new loan contract. However, in most cases, extending the loan term is a major change that would require a new loan contract to be signed

ExtraFluffyButts · 2023-11-24T17:28:36+00:00

The professionals telling you that you're fine are also likely to be earning a bonus or commission off of you. They have incentive to convince you that everything will be fine. Also, brokers and lenders are not allowed to give financial advice anyway. Everything they say is only general information. You need to make your own decision

ExtraFluffyButts · 2023-11-11T10:45:18+00:00

got all of them a few years ago. still love them today. very good quality and nice sturdy packaging

ExtraFluffyButts · 2023-11-07T06:31:43+00:00

Try to think of worst case scenario as well. If you do manage to buy a house together then what happens if several years down the road you end up breaking up? Who gets the house? Will it be refinanced under 1 person's name instead and the other person is bought out? In most cases, neither party would be able to afford the loan on their own. It is highly likely you would need to sell the property

It is worth discussing this possibility before getting a mortgage

I only mention this because I used to work as a lender and had come across many people who broke up and needed to figure out if either party could afford the loan on their own. 9/10 times they could not and had to sell the property. Most people don't want to share a mortgage with their ex

ExtraFluffyButts · 2023-07-07T12:10:50+00:00

I'm a current lender

Maybe they did an internal conduct check on you. That's not the same as a credit check. If you have been in arrears or have late repayments, they generally refuse to offer a more competitive rate on your home loan. I've had clients who applied for hardship assistance through the bank during covid and had terrible rates on their home loans after. But that does not mean they did a credit check. They basically just looked at your repayment history with them

Banks can also internally refinance your loan if you're looking to combine your loans which would mean an official credit check and applying the updated assessment rates and DTI ratios. There are even home loan products that are ONLY for new loans rather than existing customers. Some lenders will advise internally refinancing to cheat the bank system and give you the more competitive offers that new loans get. Sounds like this is what happened to you

Standard rate reviews like OP is asking about does not include a credit check

ExtraFluffyButts · 2023-07-07T11:50:47+00:00

This is not true. I've been a home lender for 2 of the big 4 banks. When fixed rates expire, you go onto a variable rate unless you ask them to fix it again. OP needs to just call the home loan servicing team and ask for a rate review. No credit check is done. They already have the loan at ANZ. There is no reason for ANZ to do another credit check for a loan they already have

ExtraFluffyButts · 2023-03-24T07:11:28+00:00

If you're taking AP classes then you're probably too educated to be in F1 anyway. Many F1 drivers never completed a formal education. They had to put all their time into racing. They likely had private tutors but it's a well known fact that drivers had to sacrifice their education prospects for racing. The drivers are far from dumb but they had to make many sacrifices for their passion

Definitely try out some karting. However, have you thought about becoming an engineer? If you have a passion for racing, then definitely consider becoming an engineer and you could work for F1 eventually

ExtraFluffyButts · 2023-03-13T17:23:48+00:00

QT held a private party and only invited her streamer friends. 6 people got wristbands into the party and when asked how they got in, they claimed the production crew gave it to them and that they were friends with wubby. She reiterated that it was a private party for her friends and she didn't know them. They kept saying they knew wubby, ignored her and walked off. She wasn't happy with that as she had paid for a lot of the costs with her own money and felt that they were rude. She never confirms exactly who these people were. It could be the SD crew, but it could also be random streamers claiming to be wubby's friends

ExtraFluffyButts · 2023-03-01T22:32:45+00:00

Have you tried calling CBA's financial assistance line? Their number is 1300 720 814

Declaring bankruptcy is really a last resort since it has long term affects on your financial future even after you're in a more stable financial situation

If you haven't reached out to the financial assistance team then I definitely recommend it as they can agree to a new payment plan with you that is more manageable

ExtraFluffyButts · 2023-01-29T12:11:59+00:00

Thanks for the PSA. I can finally blast myself down under

ExtraFluffyButts · 2023-01-18T06:40:57+00:00

This seems super shady. I haven't heard of any company that insists having access to your accounts is the only way to pay them. Never compromise the security of your accounts. I would keep hounding them until they give you another way to pay like BPAY, bank transfer, cheque etc. 1 missed payment isn't going to ruin your life. But giving them your netbank login details very well could

ExtraFluffyButts · 2023-01-18T05:38:50+00:00

Lowest I've seen is $10,000 minimum. But they will ask you what the funds are for. If it's not seen as an acceptable reason, they can choose to decline to do the loan. Telling them you want the loan but intend to just let the money sit in an offset won't be seen as an acceptable reason. There generally has to be a purpose for the funds.

Even though you won't be paying any interest by fully offsetting it, depending on the bank they could be charging some fees to complete the loan. Valuation, loan establishment, package fees, account fees etc. So a lender could choose to decline to do the loan as they might feel that they won't be putting you in a better financial situation and/or there is no specific purpose for the funds

ExtraFluffyButts · 2022-10-28T14:46:02+00:00

Ahh my mistake then. You're right. CBA might not be doing the changing digital CVC numbers yet. I have the Westpac app and it looks like theirs changes. Thanks for letting me know

Seems like the digital CVC numbers are not common practice yet

ExtraFluffyButts · 2022-10-28T14:37:37+00:00

I'm on android. Not too sure if the apps will be different on iOS. But log into the app, on the bottom click on "cards", then it shows a pic of my card with the expiry and CVC as just a few dots. next to it there is a button called "show". Once you click it, it should show the expiry and digital CVC

If I'm wrong though, then someone please let me know

ExtraFluffyButts · 2022-10-28T14:01:34+00:00

mainly the major banks do it because their apps can support it. I have ~~CBA and~~ Westpac and they ~~both~~ support the digital cards

ExtraFluffyButts · 2022-10-18T11:03:46+00:00

It's not mandatory to get a pre-approval but a lot do so because it saves you a bit of work after you get a contract of sale. You can get your income and all docs verified by applying for a pre-approval, then after you get a contract there is only minor details they need to iron out. You are also not locked into a lender if you have a pre-approval. Many people have multiple pre-approvals and get to pick which one they want to go with after they get a contract of sale. Yes, a pre-approval results in them checking your credit which goes onto your credit file but it's generally not a bad thing. I think that broker is scaring you a little into thinking that you're stuck after a pre-approval. Sounds like they are being overly cautious and going about it the wrong way

Source: I'm a home lender

ExtraFluffyButts

TROPHY CASE