When I use the past of the last four years can pass in review, it comes over me sometimes but an irrepressible hatred of various folks who in most negative way my paths have crossed and my family have catapulted into touch with the clear background, to destroy us forever.
Back when this odyssey began and it began with an authorized representative of the People's Bank Göppingen, I had a moment doubted the German law. Now I know, and very clearly that there is not that German law or not is more or, perhaps, even before. But
philosophize about whether it has ever been this law or not, is far too cumbersome, because one thing is certain, namely that it exists no longer, at least for now.
My family really sad that the non-pseudo-state legal work in all Facets enjoy and I am convinced that if there had been in Germany, even the smallest opportunity, we would certainly also publicly pilloried or even been executed. This is by no means an exaggeration, for much what happened to us was already partly an execution the same and when I look at the reasons, some suicides judge ourselves, it would in our case, where would we be taxed so as always to a Family tragedy enough. But we are by nature a "gene-optimists" feature, so it has not just served to catapult us out of this world and therefore will never the point is reached where I will give in or surrender. I will always put my finger in the wounds and sores and hence will never close, but will ignite again and again. Because I'm taking the right to voice my opinion, if this freedom of expression is pressed down by the court, because in this strange rule of law just only the law of the strongest material exists and if it is the greatest injustice ever should be. I wake
not afraid to declare that I am not in a position to have a judge yet to be believed, but because I just know that even the first court hearing against the People's Bank Göppingen under the judge at the district court Ulm Schulte and that this was on 16 January 2004, a fraud in law was. We were basically not stand a chance and they wanted us to demonstrate convincingly that it makes no sense and just a lot of money if they want to create David and Goliath.
We knew only too well and Volksbank Göppingen it also knew that we fully within its rights were, but you can buy with money we had, unfortunately, not everything, even the right and we were in court in such a pressured and it was explained to us how much it would cost if we are convicted that we finally agreed to a settlement. It was a terrible tragedy and had a normal court hearing is not the least to do.
is safe now some are wondering why I now again with this whole story begin and some will keep it safe for as boring as it is anyway the same again.
It is not the same, and certainly not from the point that, given the increasingly deteriorating overall economic situation and rising unemployment will fare very many people and families like my family. Unfortunately, it is again not many people that such a fate can be so loose as we put away.
helps Maybe my story to many people to the realization that it is completely wrong the bank is to bring even the slightest confidence in. A bank is only good for a while as long as a self well. Are you feeling bad, the banker your bank be the first to make sure that you even worse off, because you have benefited your business high phases of a generous overdraft facility that you have exhausted all evil and so the bank you this in case of unemployment immediately terminate and shall be due. Then there is a problem because an unemployed person is no longer creditworthy and the bank then goes so far that you, as an undesirable customer then the business relationship is terminated. (Who is actually enshrined in the Conditions of this:
19 Termination rights of the Bank
(3) termination for cause without notice
threatened when a significant deterioration in the financial circumstances of the customer or the value of security or to enter ...
Source: Conditions of Volksbank Göppingen
have a sudden you are not a current account more and the Bank operate against you of enforcement.
It would feel too good this because in one I recently reported case, the MRP was terminated because the person was affected by short-and also an lower level entrance was recorded.
That one fact in considerable difficulty comes and then operated by the Bank, no standing orders and direct debits will be, any moves to the function of a bank, to be clear. Rent arrears and to run no later than three months' rent arrears of rent, the dismissal is carried by the landlord.
I could the whole repertoire, which is a bank customer has so destroyed it, feel thanks to the Volksbank Göppingen his own body.
why would I enter in this current and even worse next time any good advice to take the one not holding to claim that one can not make up within a month because of this credit facility is a very expensive Pleasure, and when a posting was taken up, these so fast it only goes some pay back again. The aim must be to get out of the dependence of banks, or to make not only dependent. If you want to save to fulfill desires, then it is better so long until they can be fulfilled, as this needs to pay double and triple. That should understand my view, not be so difficult.
And on no account of the advertising slogan "We will clear the way" be impressed. The road is indeed done it free, but in the wrong direction. Bankers are not soft and friendly from the bankers of the past, suddenly becomes a Existenzvernichter par excellence. For a better understanding
here is an interesting link:
http://www.akademie.de/private-finanzen/sparen-altersvorsorge-vermoegensbildung/tipps/sparen-vermoegen-altersvorsorge/dispo-und-ueberziehungskredit.html
(29.06 .2006) for the banks, there are few things more rewarding than the credit facility. Customers must pay for the MRP is between 10% and 18% granted or tolerated MRP-interest. Handed out the grouping obtain credit, the banks virtually free which little or little interest bearing deposits to the reserve accounts of your customers who use any grouping loan.
So it is understandable that the banks like as many of your customers lure in the MRP-trap, and are also located in Germany, much of the current account and credit card accounts occasionally or permanently in the Meanies.
order from the grouping case to get back out, we first explain the psychological mechanism of grouping case. Then we will show you practical steps on how to reduce high interest debt with the MRP consistently and your accounts in the future - keep in the green zone - all without a schedule.
The MRP as granted and tolerated the overdraft
The "disposable" is the common abbreviation for the scheduling or MRP-credit, which also is called overdraft. By distinguishing the "granted" and "tolerated" MRP or overdraft distinguished. The
granted MRP: usually clear the banks automatically each a posting that sets up a personal account and regularly earns income such as wages, salary or pension payments. The account holder must, however, credit quality and must have no negative Schufa-entry and have no bad Schufa scoring .
The maximum credit limit for the MRP-based loan will be determined by the Bank with reference to an individual credit profile. Normally, a grouping frame is acknowledged by two to three months income. But who in the same bank accounts as fixed deposits, call money is, etc., have long a "difficult" customer and the account for a longer time resulted in positive, rather receives a higher MRP framework.
convinced After opening the account, the bank approximately two to three months from the regular receipt of money on the account. Then she shares the credit card company or the customer's credit limit for each grouping, the Giro or the credit card account. Now the customer can withdraw money from your account at any time more than he has available credit there. The account can slip to the height of the MRP in the red. The
tolerated overdraft: For MRP-loans, banks charge very high interest rates. Also to be generally low interest rate periods usually 10% or more required. Blasts the customer also granted this grouping under him the bank grants often have a "tolerated overdraft. Here again, the interest rate by 4% and more than the interest rate for granted MRP. For example, the Sparda-Bank demanded in July 2006 for posting 11.5% interest and for the tolerated overdraft 15.5% interest per year - that's "normal" values. Credit card companies often take higher interest rates than banks for overdraft checking accounts.
Note: expensive credit
MRP tolerated and overdrafts are among the most expensive loans, can get. Upon termination of the
Dispos has Customer no rights: In general, the banks credit the customer the grouping evacuate voluntarily and without any specific request or credit agreement. MRP and overdraft be tolerated in terms of regulated so that the bank reduce the credit line grouping at its discretion at any time or may even cancel completely. In the latter case, bring the customer's account immediately from the red. Otherwise, he's account will be terminated.
Note: Each posting is dangerous. He is always terminated just when it most needs of the customer!
who exploit wage earners as the grouping under the bank and then becomes unemployed or self-employed no longer applies to regular salary, the block the banks on a regular basis the previous grouping of credit. Often this is done without prior notice. Current billing as rents are then blocked, "lack of funds and the interest rate on the maximum rate, the" tolerated "overdraft" increased. Almost always, this is legal, as well protect the banks on the terms and conditions.
example: extract terms (special terms) Volksbank Göppingen
General conditions for loans and loan
8 Regular dismissal of the bank credit agreements and commitments, for which neither a term nor a different termination scheme is agreed, the Bank may at any time
terminate without notice .
Another example
price display personal account:
overdraft interest rate for granted overdrafts (overdraft facilities)
14.25%
should interest rate tolerated overdrafts (overdraft)
18.75%
Each bank customer, first, the terms and conditions and price figurehead read and absorb at to the tenant not connect too naive and trusting of these institutions over. A good deal of mistrust is for self-preservation.
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is published in my blog
http://www.xybank.blogspot.com .
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