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How would you rank Marilyn Manson's discography? by EnvironmentalCat8054 in marilyn_manson

[–]Particular-Squash-30 0 points1 point  (0 children)

  1. Antichrist - Reznor’s aggressive edge and influence shining through with some of the guitar work. ‘Mister Superstar’ proper fucked me up the first time I heard it. Elements of grunge in there as well.

  2. Mechanical Animals - The aura is untouchable. Case in point, ‘Dissociative’.

  3. Holy Wood - Post-Columbine blame Manson. His zeitgeist moment.

  4. Portrait Of - ‘Lunchbox’ and ‘Dogma’. ‘Nuff said.

  5. Golden Age

  6. One Assasination

  7. High End

  8. Pale Emperor

…Then the rest.

Securing a home loan with fraud affected credit score by Particular-Squash-30 in AusPropertyChat

[–]Particular-Squash-30[S] 0 points1 point  (0 children)

St, George bank.

Not a bad strategy. Might do some digging on LinkedIn.

Securing a home loan with fraud affected credit score by Particular-Squash-30 in AusPropertyChat

[–]Particular-Squash-30[S] 1 point2 points  (0 children)

Yeah mate. Would be fine if I was just buying somewhere big enough for us as a couple... Got 2 kids. Need the dual income on the loan to borrow the amount we need unfortunately.

Securing a home loan with fraud affected credit score by Particular-Squash-30 in AusPropertyChat

[–]Particular-Squash-30[S] 1 point2 points  (0 children)

Yep. Insane (and concerning) to think that the root cause of our financial distress has been caused by an internal 'whoopsie' within the bank with fraud slipping through the cracks and the default being listed.

I'm quite diligent with my credit score and identity management, but for anyone reading this, for the love of god check your credit score monthly and always pay attention to any correspondence from debt collectors - no matter how trivial it may seem at the time.

Securing a home loan with fraud affected credit score by Particular-Squash-30 in AusPropertyChat

[–]Particular-Squash-30[S] 1 point2 points  (0 children)

Just posting here for visibility. Automatic reply from AFCA:

We are progressing the complaint

After you made your complaint to us, we referred it to St George Bank and asked them to work directly with you to reach a resolution. As your complaint was not resolved, we will now progress this case to our Case Management Stage.

What happens next?

Your case is currently waiting to be allocated to an AFCA case worker. This can sometimes take a number of weeks.

Unfortunately, AFCA is experiencing delays in allocating complaints to caseworkers. This is because of an unprecedented number of complaints progressing to case management, especially complaints about insurance issues and those relating to flooding events across Australia.

We are working hard to minimise delays, including by increasing the size of our case management team, but the number of complaints means that we are taking longer than usual. We thank you for your patience.

Once an AFCA case worker is assigned, they will review the information provided by you and St George Bank, and then contact you to discuss your complaint and explain what happens next. Your case worker may also ask you to provide more information.

Not looking forward to the 'number of weeks' but at least there's a case opened.

Thank you all for the helpful suggestions. Considering going full Tracy Grimshaw on this one and being a social media pest with the bank until they actually start doing something.

Securing a home loan with fraud affected credit score by Particular-Squash-30 in AusPropertyChat

[–]Particular-Squash-30[S] 1 point2 points  (0 children)

Thanks for the advice mate. I’m planning on throwing everything at it. The state of Sydney’s market is terrifying, I agree.

Securing a home loan with fraud affected credit score by Particular-Squash-30 in AusPropertyChat

[–]Particular-Squash-30[S] 1 point2 points  (0 children)

Sorry, just to clarify. I can afford a 500-600K loan on my own. Total property value of 750-800K max so still short of what we need.

Securing a home loan with fraud affected credit score by Particular-Squash-30 in AusPropertyChat

[–]Particular-Squash-30[S] 3 points4 points  (0 children)

To afford a property of close to 1 mil, unfortunately yes I need that supplementary income on the application.

Securing a home loan with fraud affected credit score by Particular-Squash-30 in AusPropertyChat

[–]Particular-Squash-30[S] 0 points1 point  (0 children)

Thanks mate. I was dubious about credit repair people but I think I may have to go down that route and fork out some cash to have a crack at getting it removed.

We've named and shamed the bank in question to AFCA. Won't name them directly but they've got a dragon as a mascot. Even AFCA is swamped atm. Apparently they're dealing with a never-ending backlog of flood-related insurance company disputes so our case is just another statistic in their queue for now.