Hello you
I know my question should go to a clairvoyant sooner, but I’m just interested in your assessment. I’m pretty nervous and I’m totally nervous about tomorrow, because tomorrow it will turn out whether I can start my life again.
Here’s the thing: last year my 10 year relationship ended. And not really in a good way. Especially financially, it tore the floor from under my feet. Wasn’t it all such a good time. Unfortunately, my current loan at Targobank suffered and the loan was canceled very quickly. But then again an installment payment was agreed to which I have kept properly since then, as before the matter. The current rates are enormous and I have to get out of there soon otherwise it will drag me down. It’s already very, very difficult. I’ve had my salary account with the Sparkasse for almost a year. Until some time ago it was only a credit account with a credit card because of the Schufa through the credit. Two months ago I got a “real card”. Finally, on Friday I had a conversation at the Sparkasse in which it was actually only about pension provision, etc. In this conversation, I was also quite open about my situation in general. Have a steady, unlimited income and am still in this position through the crap of the past few years. The Targobank has almost doubled the rates. The bank employee was really friendly, looked into the Schufa and said that it doesn’t look so nice, of course, etc. But she was totally helpful, said I should put together a plan for the weekend (income and expenses) and another two Bring documents and then they would consider rescheduling. I then brought the things over to her today and only briefly explained my composition to her because I had to go back to work. She said that everything looks good so far, but she still has a headache about the Schufa because the interest rate is higher. She even said that the Schufa does not mean that they do not do it, but then the interest would not be so bombastic. At the Targo I currently have 12.14%. Can it get worse?
Anyway. She also said that she probably won’t pass the exam today and will call her tomorrow. After work I saw that, an hour after I was there, she called twice on the cell phone and twice on the landline. And I missed it because of the meeting. Was out too late to call back too. And now I’m totally nuts. Somehow I still assume no, even if your statements were positive. Nobody with Schufa entry gets anything. Or can banks decide flexibly? The employee has also looked at the Schufa several times and basically already knows what is normally checked first. And yet she more or less already promised the loan. Is that a good sign?
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