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枫下家园 / 钱财税务 / 为什么scotiabank 变的这么霸道?尽管签了合同,利率prime+0.5% credit line, 你借了钱,立马通知你prime+1%,60 天后生效?这不是打劫吗,没地方管吗?
-dasongxiao(snake);
2017-5-1
(#10771820@0)
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估计合同里面写了,银行可以随时进行调整而不提前通知,这点工作不做到位,还不得给告死呵
-x2y(ryn);
2017-5-1
(#10771823@0)
+2
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contract is standard, with " bank can change the preferred rate with discretion if you follow all the terms, but bank provides prior notice"
-dasongxiao(snake);
2017-5-2
(#10772989@0)
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After we checked this term in 2011, the financial advisor said universal prior notice period was 6 months.
-dasongxiao(snake);
2017-5-2
(#10773000@0)
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She said not worry. All this happened " words of mouth".
-dasongxiao(snake);
2017-5-2
(#10773002@0)
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Now complain to " Ombudsman of Scotiabank, he changed the tone, said universal time is 60 days.
-dasongxiao(snake);
2017-5-2
(#10773004@0)
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but bank changed the interest rate back to " prime+0.5" again, after all the balance paid off.
-dasongxiao(snake);
2017-5-2
(#10773008@0)
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do you think this line of credit still useful under this kind of contract?
-dasongxiao(snake);
2017-5-2
(#10773011@0)
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In addition, the bank only issued the prior notice, used ordinary mail to send. Don't care if this notice can arrive at customer's hand.
-dasongxiao(snake);
2017-5-2
(#10773013@0)
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My situation was I out of town for five months, after I was back home, only the monthly statement of last month was in my mailbox.
-dasongxiao(snake);
2017-5-2
(#10773017@0)
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something else was missing. Bank refused to be responsible and return overcharged money", and also refused to send prior notice online or told bank financial advisor and email me interest change in the future.
-dasongxiao(snake);
2017-5-2
(#10773026@0)
+1
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请问大家line of credit 协议是怎么签的?除了利率和标准的booklet,怎样要求与银行签一个补充协议,规定银行改合同优惠利率提前通知时间必须为半年,而且必须是网上账户信息中心通知
-dasongxiao(snake);
2017-5-2
(#10773802@0)
+1
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没有人用过credit line 吗?
-dasongxiao(snake);
2017-5-7
(#10783472@0)
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你签是personal line of credit ? P+1% 也很不错。
-retirecat();
2017-5-7
(#10783498@0)
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是你向银行借钱,有没有搞错?
-retirecat();
2017-5-7
(#10783499@0)
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向银行借钱怎么啦?就是孙子?老老实实遵守贷款协议还挨宰,像美国那样,都不老实,银行立马变成reymond brothers,破产了事。
-dasongxiao(snake);
2017-5-7
(#10783925@0)
+1
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问银行借钱,条款有借方决定。除非你是Capital Markets 大宗借贷。P+1%很不错了。
-retirecat();
2017-5-8
(#10784938@0)
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问人借钱还这么牛,佩服。
-retirecat();
2017-5-8
(#10784940@0)
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银行产品都是规范化的,否则的话,每个客户都要求条款变化,律师费都付不起(银行付,最后都转化到你我这样的客户头上)
-jameschen6(梦想农庄-因信称义);
2017-5-9
(#10788264@0)
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现在prime是2.7, 签的2.75,60天改为2.8?很好啊,TD给我的是Prime+0.2,开始就是2.9啊。
-lixiangm(laohu);
2017-5-8
(#10784918@0)
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瞎说了吧。TD的Prime是2.85%,TD给你的是Prime+0.2难道不是3%+?
-chilihorse(小马);
2017-5-8
(#10784996@0)
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TD Prime 现在是2.7,我的是Prime+0.2,是2.9,没错。
-lixiangm(laohu);
2017-5-8
(#10785036@0)
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你是对的。TD的Mortgage Prime是2.85%。LOC的Prime还是保持在2.7%。
-chilihorse(小马);
2017-5-8
(#10785397@0)
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60天有些过分
-webx(好好活着);
2017-5-8
(#10784962@0)
+1
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给我的怎么都是P+3, P+4的
-gracexueli(懒猫);
2017-5-8
(#10785507@0)