R
I was wondering has anybody even tried ?
.....what could I say to them to get a few quid off ?
In any case I am not looking for a moral discussion.
What if the bank said, "eh sorry Rockson, we're a bit skint, you know that 100k you owe us, any chance of giving us 105k - you might say no but sure if you don't ask you don't get.."
I don't think the bank asks - they just raise the interest rate.
It is not a moral issue.
the "moral issues" can be argued which every way you want, I am more than comfortable with the idea. The original question was has anybody got an idea how to try and drive a hard deal with a bank ?
Of course its moral - he borrowed the money in good faith - why would he try to pay back less when he has the means to pay it back in full?
It just comes across to me as someone chancing their arm because in the current climate banks may well be coming to arrangements with people who CANT pay it back - so the OP wants to jump on that bandwagon by asking what he could 'say' for them to give him consideration of a discount too.
Im not saying he shouldnt ask - but morally I think if he has the money there he should pay it back.
the "moral issues" can be argued which every way you want, I am more than comfortable with the idea. The original question was has anybody got an idea how to try and drive a hard deal with a bank ?
We own most of the banks, if people who can pay start making arrangements to pay back less than the outstanding amount then where does that leave us as the owners?
Of course if the bank isn't Irish then I'm behind you 100%
Don't assume that the bank will lose money if it settles for less than what it is owed.
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