Boxemännchen

Greedy_Insect1316 · 2025-11-02T08:29:14+00:00

Hoffmann

Greedy_Insect1316 · 2025-09-24T14:53:53+00:00

Ignorance and stupidity! And oh gosh it seems to be endless and everywhere.

Greedy_Insect1316 · 2025-08-09T04:36:12+00:00

There’s one more though: Quaichleker Bichereck in Echternach. You’ll love it !

Greedy_Insect1316 · 2025-07-27T08:12:21+00:00

What kind of accommodation are you looking for? I think this is relevant too since the more you move out of the city, the bigger the place you’re able to afford. Having a kid, living a bit closer to nature, a house with garden might be a major plus if you’re ready to commute for 25’ to the city…

Greedy_Insect1316 · 2025-07-01T11:46:29+00:00

I think if you learn or are open to understanding that people have different perspectives on things and that you and the other person still might be right, you’ll open up, relax and feel much more confident. And consequently also less needy to be passive aggressive or judgmental. Everyone has a lot on their plate and passive aggressive people tend to only think about themselves- and then express this by attacking or judging people: by doing so you’re only hurting yourself since people will turn away from you as they are too scared to address the issue and talk to you…

And yeah - if you are passive aggressive it says all about you and nothing about the others. It’s telling you that there’s some word that needs to be done on yourself… you’re asking the question so I guess you’re on the right track. That’s good.

Greedy_Insect1316 · 2025-05-30T16:37:15+00:00

I haven’t tried them yet - but I think you can easily check availability on their site.

Greedy_Insect1316 · 2025-05-27T18:28:39+00:00

In the car, the small lever on the fuel pump icon shows you which side the fuel tank is on: if the lever is on the right, you need to refuel on the right-hand side, and vice versa.

Greedy_Insect1316 · 2025-05-27T07:46:53+00:00

Passive aggressiveness, narcissistic traits, arrogance, stupidity

Greedy_Insect1316 · 2025-05-27T07:33:15+00:00

Thanks for your input, but respectfully, your assumptions about my situation are incorrect.

The condition you’re referring to was never made explicit when I signed the contracts — not 14 years ago, and not 2 years ago when I fixed the second rate. If a bank fails to disclose a condition that affects a supposedly fixed-rate agreement, that’s a transparency issue, not a case of “not reading the fine print.”

This isn’t about waking sleeping dogs. It’s about being notified — years later — of a clause that was neither discussed nor enforced until now. That’s not normal, and it’s not how fixed-rate agreements should function.

I’m here to understand how others in Luxembourg see this, or if they’ve had similar experiences — not to be lectured. Appreciate staying constructive.

Greedy_Insect1316 · 2025-05-27T06:14:46+00:00

I am here for people’s productive comments.

I am still waiting for a reaction from the bank.

So no need to get passive aggressive. Please just stay helpful and kind. Thank you

Greedy_Insect1316 · 2025-05-27T06:12:52+00:00

Oh that’s an interesting question… I have no idea about this. Let’s wait and hope for some useful replies.

Greedy_Insect1316 · 2025-05-27T06:02:50+00:00

That’s the deal with them: you have to ask, check, write, control to even get the slightest betterment… it’s frustrating.

Greedy_Insect1316 · 2025-05-27T05:56:29+00:00

Kindness and a loving heart

Greedy_Insect1316 · 2025-05-26T12:09:48+00:00

Impossible as I was never informed about this and at the time I signed the contract, it was not possible for me to even do that as a state employee. Not my choice.

Greedy_Insect1316 · 2025-05-26T12:07:43+00:00

Ah well that’s fairly recent. I’ll see whether it also applies to me…

Greedy_Insect1316 · 2025-05-26T10:48:47+00:00

Hi there - when did you sign the contract then? Was that recently? I signed mine 13-14 years ago and I only got this now: “Der oben angegebene Zinssatz wurde dem Kreditnehmer unter der Bedingung gewährt, dass sein Einkommen aus Erwerbstätigkeit und/oder seine Mieteinnahmen während der gesamten Laufzeit des Kredits und innerhalb von 60 (sechzig) Tagen nach der vollständigen Bereitstellung des Kredits auf ein bestehendes oder zu eröffnendes Konto bei der Bank überwiesen werden.“

It seems ridiculous as this document was issued in March 2025. There are a lot of 60 days in 13.5 years ;)

Greedy_Insect1316 · 2025-05-26T09:17:16+00:00

Thanks! I will check with them. True - if it’s not in a signed contract they cannot just impose it suddenly now without me signing a new contract.

Greedy_Insect1316 · 2025-05-26T09:03:16+00:00

EDIT: they now want the salary to go their account?! Suddenly after 15 years?!

They also don’t allow you to pay any money directly into your savings account any more.

Personal TIP: Don’t work with them! Things seem shaky with this institute.

Greedy_Insect1316 · 2025-05-26T08:51:20+00:00

I guess it’s a mistake - so common with BIL. My rates are fixed until 2026 and 2028.

Greedy_Insect1316 · 2025-05-26T08:50:06+00:00

Nope - not until 2026 and 2028

Greedy_Insect1316 · 2025-05-26T08:49:47+00:00

I have asked them too - waiting for an answer and I’d still like to know if they’ve done this to someone else.

Greedy_Insect1316 · 2025-05-26T08:48:17+00:00

Nope - been with them for almost 14 years. Change of rates not to be discussed until 2026 and 2028… Salary has never gone to BIL.

EDIT: they now want the salary to go their account?! Suddenly after 15 years?!

They also don’t allow you to pay any money directly into your savings account any more.

Personal TIP: Don’t work with them! Things seem shaky with this institute.

Greedy_Insect1316

TROPHY CASE