Conference 7.286::digital

    
    RE:0
    
    You should be proud of sticking it out and turning yourself around.
    
    As for that persons statements to you don't let it bother you, he/she
    doesn't speak for DEC. There are many programs in place in DEC that DEC
    takes the time and spends the money to have, the Corporation would be
    more than happy to help..But you alone will have to continue to knock
    on doors and ask questions of what's out there.
    
    As for DCU don't let them get you down, though one of their slogans
    is " People Helping People" I've never delt with a more cold
    organization..I had some money problems once and went to them for a
    loan to consolidate, I was denied because I did not own anything
    (real-estate) I said geezz..I've been working for DEC for 14 years,
    I'll authorize you to automatically take a weekly payment from my
    check, after-all I've been with DEC 14-years and it's not that I'm
    going to runaway.. But they wanted more, I ended up getting help from
    a bank at a lower interest though it was the 11th bank I went to.
    
    So don't give up, keep pluging away one-day at a time.
    
    Does anyone know of any organizations outside od DEC that could help
    someone with a loan with no collateral?
    
    Good-Luck
    
    Rick
    

    re: .0
    
    Keep in mind that DCU is a separate entity.  It is not a part of
    Digital.  They are in business and follow their own business practices
    (which, as .1 mentions, are not always popular; see the DCU conference
    for further info).
    
    I wish I had a direct answer for you.  I wish you well.
    
    -- Russ

    I'd assume that a DCU is a BANK ... point.
    (I'm from DEC Europe).
    As a co-DECie I can feel your pain. As a banking customer I ignore it.
    Humanity hasn't much to do with business and even less with banking.
    
    Therfore, DO NOT BEG for a loan.
    Put on your best clothes, your best aggressive grin before going
    to the banker.
    In front of him think:
    He's up to get my money, but I'am smarter than him, so I WILL GET HIS.
    Tell him the brightest career history you can make up without lying,
    paint your brightest picture of the future and projects (remeber that
    lying by definition can only apply to the past or present, never the
    future !)
    And he will BEG YOU to take the loan.
    
    Fred

    Sounds like DCU needs TFSO-2.  There are rules that apply to most
    business.  It is easy to say yes.  The hard part is PROPERLY saying NO, 
    and then offering alternatives.  The DCU's offices involved in this
    note needs to understand that they are offering a service to Customers.
    
    A few kind words and a offer of alternatives that they can recommend will
    go along way to getting folks back in the door when they do qualify.
    
    Even though they are not a part of Digital as employee's, they would
    have a hard time doing business without us.  
    
    I hope they are not becoming Bankers.  It always seem to me when
    applying for a load at a Bank that you had to prove so much value before 
    getting the loan, that if you had what they required you would not need
    the loan to start with. Ug.
    
    
    
    Regards
    
    
    
    Bob 

RE: banks doing extra to get business/ help customers

A few years ago, we were looking for a home equity loan.  We went to one bank
and they said that we didn't have enough equity, sorry, comeback again sometime.
We went to a second bank (Manufacturer's of Detroit to give them the credit
that they deserve) and they said that we again did not have enough equity BUT
that they would lend us the money as a personal loan.  I now use them as my
main bank because they supplied the service I needed when I needed it.

Goes back to an old saying that there are two types, those who quote the rules
and those who help you work with the rules.  Quess which group will get my
business?

FWIW,
Lee G.

    I second the point that the DCU is a separate business entity. 
    Furthermore, yes it *is* a bank, and I'd like it to be *run* like a
    bank, not a sort of "anything goes for a DECcie" money store.
    
    To show you the other side of the coin, I used to work for a company
    whose associated credit union failed.

    
    DCU's rules for credit approval are generally MORE strict
    than a bank. Look in BEIRUT::DCU notesfile for some stories.
    
    Having been in trouble myself and rejected at DCU also, I learned a 
    couple of things....First the only thing that cures credit 
    is TIME. 
    
    Second, if you are being hounded by creditors, there is an
    organization that can help you. It is a non-profit organization
    actually FUNDED BT BANKERS to help make a bad creditor into 
    a good one.  They will help you straighten out your budget.
    and actually intervene with the creditors to extend your
    debt as you can afford it. You pay them so much, and they 
    pay the creditors. I think the only charge is about $20 a
    month for their expenses.  I don't know about them helping you get 
    a loan. I am not sure where you are, but the one I went to is...
                        
    Consumer Credit Counseling Service
    P.O box 676
    8 Union Street
    Concord NH 03301-0676
    (603) 224-6593
    
    If this doesn't apply to your area, check with EAP,,,that's where
    I got this, and I'm sure there is one in your area.
    
    Best of luck to you!
    
    Mark
    

    I won't bore you with the details but,DCU once bounced a check because
    I was $1.37 over my credit limit. This happened even though they held
    over $20,000 of my money in various accounts!! Needless to say,my money
    immediately was withdrawn and deposited elsewhere. If DCU ever lent
    Mother Theresa a dollar it'd be front page news!!
    
    Ken

RE: .8

These days, it's the rare bank where that WOULDN'T happen.  It's SOP in the
banking industry these days.  I don't think you can single out DCU for that.
However, neither do I think one should stand for it.  I hope you told DCU
why you were closing your accounts.

--PSW

    The old saying still holds true,
    
    	"never ask for a loan from a bank when you need the money"
    
    You only visit your bank when you don't. Having gone thru a divorce
    about a year and a half ago, I can feel some of your frustration. (.0).
    There are many people/organizations out there that are willing to help.
    Knowing how the S&L's and now the Banks (next the insurance companies)
    are going under, I'm glad the DCU did not help you go further into the
    hole. There are other ways, and although they may not seem do-able now,
    things do work out. Rather than going into details here, feel free to
    contact me via mail and we can share the stories.
    	One who has already been down this road
    	Greg

    Yes,I agree that DCU is separate and apart from DEC.But,dammit,their
    name IS DIGITAL credit union and their offices ARE in DEC facilities so
    to my way of thinking DEC employees should be given a bit of
    preferential treatment. Just my opinion.
    
    Ken

    reply .11
    
    
     Preferential treatment? Whats makes us BETTER than anyone else? 
    
    
    brian

Since the vast majority of DCU members are DEC employees, it would be rather
difficult to give DEC employees preferential treatment.

    re: .11
    
    As a member of the DCU, I would hope that "preferential treatment" does
    not include the granting of loans and credit lines to those who cannot
    demonstrate acceptable history or current circumstance.  I kind of
    *like* the idea that my credit union is run as a business, and not a
    charity.  Just MHO.
    
    Or, did you have something else in mind?

    Not a charity, but they could be a little more aware of some things
    that impact DEC employees. As it was when I last dealt with them, their
    attitude was one of "we're DCU, and you're not".
    
    For example, when I relocated to the US I did not exist on any US based
    credit database, which I found out is worse than having a bad credit
    rating (why I wasn't warned about this ahead of time is another
    matter).
    
    Neither the banks nor DCU were interested in checking foreign credit
    ratings, but this might have been an area where DCU could have gone the
    extra mile.
    
    Since I was on a contract that guaranteed my employment for a number of
    years I thought that might help. DCU weren't the slightest bit
    interested in that. The banks were.
    
    In both cases DCU could have verified my credit with a little extra
    work, basically just talking to Personnel. They weren't interested, and
    lost a customer.
    
    gary

   Hear, hear, gary. I wen't through a similar scenario. My Australian bank,
   thinks that the sun moon and stars shine out of me, but nothing they said
   would interest the DCU. 
   
   It would be nice if Corp relocation talked to the DCU people about this,
   but cest la vie...
   
   q
   

    In all of my dealings with DCU, I have found them to be no less
    courteous, professional, and service-minded than any other financial
    institution or credit union.  In fact, in most cases, they were more
    responsive (particularly in the New England marketplace - rathole).
    
    There is a place where Digital employees can go and whine incessantly
    about how bad DCU is:   BEIRUT::DCU   on Easynet.  One conference of
    DCU-bashing whiners is bad enough; let's not make two, eh?
    \Gary

   re:.17
    
    You,as a DCU admirer can have your opinion. I ,as one who thinks they
    are not very good (an opinion shared by more than a few employees) can
    have mine,can't I?
    
    BTW: I'll "whine" all I like in this conference. It's up to the Mods to
    decide if entries are not suitable for this file,
    
    Ken

    	Ken, I'm glad (in a way) that you entered that last reply (.18.)
    	I have been bothered in the past by noters who have written that
    	they count on the mods to keep the notesfiles sparkling clean
    	of improper entries.  Yours happened to be the first one I have
    	encountered since deciding to blow some steam about it.

    	It is really not fair to lay the burden of propriety on the
    	moderators' shoulders.  There are times that we know something
    	is proper or not.  We are all grown-ups here, and can decide
    	when it is right or not to enter something.  Moderators do not
    	like to delete notes, and often have to take some heat when
    	they absolutely HAVE TO blow something away.

    	It is a rather selfish and self-serving attitude to say something
    	like "I'll whine all I like in this conference."  In retrospect,
    	doesn't a statement like that seem rather childish when you look
    	at it the next day?  Especially in light of the fact that you
    	were provided with a forum where your complaints would be much
    	more warmly received.

    	Notes conferences are hard enough to moderate without noters
    	making the moderators become "sifters" too.

    	Joe Oppelt

    Joe,
    
    Need I remind you that one of the moderators jobs is to delete whatever
    notes he/she deems inappropriate. If you don't/can't do that for any
    reason,I suggest you give the job to someone else.(but not me!)
    
    BTW: NO,my reply was not "childish" and I resent your saying that.
    Re-read the last few notes and you'll see that someone else used the
    word "whine" before I did.
    
    Ken

    	Ken --
    
    	But, I'm not a moderator here.  (I am in other conferences
    	however.)
    
    	I still stand behind my reply in .19
    
    	You are correct that it is a moderator's job to delete what is
    	inappropriate.  The basis of .19 is that it is also OUR job as
    	noters to avoid posting entries that we know are inappropriate.
    	To assume that it is the moderator's job (and not yours) to keep
    	your entries appropriate is short sighted.
    
    	Joe Oppelt

I will like to apologize if I cause any trouble by writing the base
note. The reason I wrote it, was because I needed to share, not only
what is in my Mind but in my hart.

(.21) If you think .0 is inappropriate, please let me know.

On thing, I have learn is that today I can take my own inventory of my
self and not others. Because as I finger point or blame others, I have
to remind my self that there are three other fingers pointing at my self.

Once again my apologize if I cause any stir.


Regards,

Imre A. Eordogh.
( A survivor )
    

    	re .22
    
    	Sorry.  .21 was in no way directed at the base note.
    
    	In fact, in a way all MY entries under this topic are inappropriate
    	for not sticking to the topic at hand.  I should have been debating
    	the point offline with the individual, and will in the future if 
    	the discussion needs further attention.
    
    	Joe Oppelt

    Imre,
    
    Joe's reply .21 was directed at me and me alone. Hang in there!
    
    Ken