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About Malt-Teaser

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  • Location Landshut
  • Nationality Tyke
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  1. Three-word story

    dog, dentist & drummer
  2. Alternative titles of threads

    Which is the best typre of Hindi translator for Nintendo Wii
  3. Alternative titles of threads

    Car behaviour, Fiat has gone missing. Update he's a Buick
  4. Apartment is priced at nearly double the legal price

  5. Bought a cat

    Turkeys are for Christmas not for life. Pets are for life.  
  6. Alternative titles of threads

    Received letter from troll - personal longings
  7. Alternative titles of threads

    EU towel ban questions
  8. private insolvance

    Yes, it's a very formal process in Germany. If you haven't already been, you'll be assigned to an insolvenzverwalter who will look at all your debts and write to your creditors asking them if they wish to join the process. The ones who agree are agreeing to receiving a share of what your insolventverwaltor gets from your earnings each month. This continues for 6 years or until your debts are paid off if before the 6 years are completed. You have to be honest about your debts and during this time you shouldn't be visited by any bailiff. If anyone tries asking you directly for money just refer them to your insolvenzverwalter.   At the end of 6 years he'll again speak with your creditors asking if they have anything against your insolvency being ended. Normally they agree to this. At that point you received a letter from the court confirming your insolvency is ended. Sometimes you may be invited to the court hearing, I wasn't.   As I previously said the debts remain on your Schufa record for another full 3 years, albeit as ended or Erledigt status. During this 3 years (as with the previous 6 years) you'll find it impossible to get any credit or credit card or maybe even impossible to buy mail order.   Yes, it's a painful 9 years but in my opinion or experience one that has helped me long-term. My attitude to money and credit has totally changed as working only with cash for 9 years taught me a lot. I couldn't even have an EC card.   I've come through this as a better person and now have a credit card again which I use mainly for petrol and it's paid in full automatically from my bank account each month. Plus, should I go on holiday I can rent a car again which was one of my greatest problems ... no credit card = no car renttal.   Good luck & stay with it.  
  9. Why are you unhappy today?

    Some mail goes on passenger planes but DHL have their own fleet with one flying from MUC each evening.   Air Berlin used to fill one passenger plane with mail every evening and fly it to FRA, no idea what has replaced that.  
  10. Libraries shut ! Where can I surf now?

    Where can you surf? How about Cornwall?
  11. private insolvance

    Yes, I was in that situation. I was in private insolvency which ended in late 2016 but after those 6 years of insolvency the Schufa entry remains for 3 full years more.   In 2018 / 2019 my landlady wanted to demolish the house and build apartments so I had to find somewhere else whilst the Schufa entry was still there. It was difficult, very difficult especially here in Bayern. I applied for loads of places and wasn't allowed many viewings, just a handful and they were basically fruitless for me. Eventually after well over a year of searching I found a landlady who was receptive to offering me the apartment. She wanted lots of information about income and also savings etc .... but eventually she offered me the place and luckily it just happens to be the perfect one for me.   So yes, you do have to inform people of your insolvency, they'll see this from Schufa anyway. Just don't give up, keep searching and eventually you'll get somewhere.   Ahh, just to give you more hope for the future; once the extra 3 years were over for me the entries were automatically removed from Schufa and now, just a few months later my Schufa score is back up to 97% from the 70-odd percent during the 3 extra years.
  12. Alternative titles of threads

    Bloody MVV trying to tell me there are only 7 days in a week
  13. MVV Isar Weekly Card Validity

    AYe, bloody 'ell, what a sneaky business practise to only allow 7 days in a week and not 8.
  14. Alternative titles of threads

    Trying to stick on topic here so:   What made you cough today
  15. I've just posted a silly photo

    Would madam like brown sauce with that?