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banks are cvnts!

they wanna rape me for $35,000

word to the wise: if you've got half a brain, trust your own instinct and don't listen to your broker.

cvnts. everyone, cvnts.

Oh man...

I'd call brokers scumbags, but that would be a disservice to bags filled with scum.

not sure if i wont to laugh or feal sorry for your situation

feel free to laugh. its my own fucking fault. fucking cvnts.

What the fuck? Why are they stinging you for 35k? Or did you invest in bank stocks or something?

quote:

Originally posted by pkcRAISTLIN feel free to laugh. its my own fucking fault. fucking cvnts.

ok then i will laugh and ask how did you come to lose so much?

quote:

Originally posted by Sushipunk What the fuck? Why are they stinging you for 35k? Or did you invest in bank stocks or something?

refinancing

"sure pkc, we will let you pay us back the money we lent you. for $35,000 extra right now".

Re: banks are cvnts!

quote:

Originally posted by pkcRAISTLIN they wanna rape me for $35,000 word to the wise: if you've got half a brain, trust your own instinct and don't listen to your broker. cvnts. everyone, cvnts.

The only thing I use a broker for is to tell them what to buy and sell for me. Never EVER, let your broker, tell you what to buy or sell. They are looking out only for #1, which is their commission. I don't care how slick they sound over the phone, how sure they are of this stock pick, it's all bullshit. Trust me, I've worked with brokers.

Bahahahaha! Ah man I'm happy that I'm paying off one of my loans this Christmas when my GIC matures. I really don't know why I didn't do it 3 years ago...because I've basically been throwing my money away every month paying the interest. Dah well.

Re: Re: banks are cvnts!

quote:

Originally posted by Krypton The only thing I use a broker for is to tell them what to buy and sell for me. Never EVER, let your broker, tell you what to buy or sell. They are looking out only for #1, which is their commission. I don't care how slick they sound over the phone, how sure they are of this stock pick, it's all bullshit. Trust me, I've worked with brokers.

lending brokers, not investment

quote:

Originally posted by pkcRAISTLIN refinancing "sure pkc, we will let you pay us back the money we lent you. for $35,000 extra right now".

Ah, I see.

Well, that's pretty fucked then mate

If you lived up here, the beers would be on me after work.

Edit: If you drank beer, too...

are banks chartered in oz? because that sounds like more of a loan shark move than a chartered bank move...don't have all the details from you but no chartered Canadian bank would charge you $35K extra to refi a mortgage unless the refi was for a $10 million property and the $35K could be out-of-pocket expenses like enviornmental assessment, value appraisal, and fees for the due diligence.

I've never heard of being charged an up-front fee of $35,000 in order to refinance. When you refinance, you're either denied or approved.

Unless you have to bring money to the closing table, no additional fee should be imposed. Besides closing costs, of course.

its pretty common in australia, at least for fixed mortgages. they will screw every last cent out of you for the money they will lose when you refinance at a (much) lower interest rate. like i said, its my own fault for listening to my broker instead of going with what i thought best, but im still gonna blame the bastard bank coz well, they're bastards!

haha, thanks sushi! i don't spose you'd fall for the "rightyo, you buy this round. it comes to $35K"?

quote:

Originally posted by pkcRAISTLIN haha, thanks sushi! i don't spose you'd fall for the "rightyo, you buy this round. it comes to $35K"?

Yeah, maybe if I'd just drank a few grand worth of drinks myself.

oh shit, yeah, unless the mtg was in one of those sub-prime type of securitized vehicles at an exceptionally low rate and high amortization or term and the $35K would be the breakage penalty. LOL...er...I mean sorry to hear that dude

What the hell?! Seriously?!

That's the stupidest shit ever. So not only are you paying the interest on the principal, but they want you to pay a huge lump sum as well? Ffs, it's not like fixed-rate mortgages are a luxury. All mortgages should be fixed unless you ABSOLUTELY know you're gonna be leaving the home in a couple of years. And even then it's risky if you're in a declining market.

Man, Steve Irwin never wanted it like this.

yep, sucks to be me!!

does anyone know if the interest charged on lines of credit (against equity) can be claimed on tax? i mean, if you're using that to pay criminal exit fees?

In America, you can write off mortgage interest, and maybe even the amount of annual mortgage payments, up to a certain amount of course.

you can only claim interest on investment properties in australia.

Well, in the United States, the interest on a home-equity loan is tax-deductible.

Not sure how Australia has it set up, but I would assume it's the same.

quote:

Originally posted by Krypton In America, you can write off mortgage interest, and maybe even the amount of annual mortgage payments, up to a certain amount of course.

lol he was asking about LOC interest, silly...i'm sure he knew about mtg interest. I think personal LOC ur fuxxored, PKC...only businesses can write that shit off (unless it's a sole proprietorship)

fucking hell. im being fucked from every angle today :/

quote:

Originally posted by pkcRAISTLIN fucking hell. im being fucked from every angle today :/

Come get fucked in supcom...

quote:

Originally posted by Krypton Come get fucked in supcom...

ive quit pot mate, so i dare say you'll have your work cut out. but im still at work right now so cant.

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