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Need a mortgage? Better delete that facebook account

  • 14-05-2018 10:55am
    #1
    Registered Users, Registered Users 2 Posts: 17,819 ✭✭✭✭peasant


    AIB now make you sign a consent form that allows them to trawl through your social media accounts
    In that form, a section headlined 'Data Analytics' states: "We analyse the information that we collect and hold on you through channels, such as social media networks (Facebook, Twitter, YouTube etc.).

    "This helps us understand your behaviour, our relationship with you and also our position in a market place. Our analysis helps us to offer you products and services content we believe will be of interest to you."

    No possibility to opt out of that one either.

    Now the question is...that bikini/budgy smuggler pic of yours...will that be a help or a hindrance in you getting a mortgage?:D

    news article here:
    https://www.independent.ie/business/personal-finance/big-brother-aib-now-spying-on-customers-social-media-accounts-36903323.html


Comments

  • Registered Users, Registered Users 2 Posts: 960 ✭✭✭Triangle


    I think it's a very good idea. Any investigation to make sure the lending is prudent is a good thing.
    After the last 10 years of recession due to crazy lending, looks like the may have learnt a lesson ( I'm not gonna hold my breath on this one though!!)


  • Moderators, Social & Fun Moderators Posts: 13,197 Mod ✭✭✭✭JupiterKid


    Nope, its a total invasion of privacy. What if you hold the "wrong" views on politics or the banking sector?


  • Registered Users, Registered Users 2 Posts: 6,304 ✭✭✭Ubbquittious


    Soon with the Pissadoo 2 directive coming out Facebook Google and friends will be able to prowl through your financial information as well. You'll be given some bit of an incentive in the form of convenient online checkout to share your details but most will accept.

    If the recent Cambridge analytics thing is anything to go by there should instead be a directive to prevent Facebook from ever going near your financial information but nobody will make any money from that


  • Moderators, Society & Culture Moderators Posts: 12,866 Mod ✭✭✭✭riffmongous


    71% owned by the State...Hm

    It looks likes it's just publicly available information though? So you can still put everything on private, (not much good on twitter though) but they still need to be more upfront and strictly clear about what exactly the plan to do with the information


  • Closed Accounts Posts: 482 ✭✭badtoro


    No, I won't be giving access. Not sure what comes after that.

    Looks like I went to sleep in Ireland and woke up in PRC under the social credit system.


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  • Registered Users, Registered Users 2 Posts: 6,296 ✭✭✭bonzodog2


    Will having a FB account be compulsory?


  • Registered Users, Registered Users 2 Posts: 17,819 ✭✭✭✭peasant


    Triangle wrote: »
    I think it's a very good idea. Any investigation to make sure the lending is prudent is a good thing.
    After the last 10 years of recession due to crazy lending, looks like the may have learnt a lesson ( I'm not gonna hold my breath on this one though!!)

    Are you for real?

    Prudent lending is not offering people 110% mortgages..in other words doing your job as lender properly.

    Playing the facebook police has nothing to do with good banking.


  • Closed Accounts Posts: 482 ✭✭badtoro


    So you can still put everything on private, (not much good on twitter though)

    I haven't yet seen the form but you can bet your, scratch that if they see mention of betting we're ****ed........

    .......... that they will need you to "friend" them or other which will allow them access.

    Also, on Twitter you can "protect" your tweets but people who follow you can see these.


  • Closed Accounts Posts: 7,070 ✭✭✭Franz Von Peppercorn


    Given the right to be forgotten this will just kill FB in Ireland unless AIB are made see sense. Social media campaign anyone?


  • Closed Accounts Posts: 482 ✭✭badtoro


    Folks, email your TD's, the state owns 70%+ of this bank.

    I know people will laugh at the suggestion but it does work, it has worked for me several times in the past.

    Be polite and to the point, but the squeaky wheel does get the oil. If they don't know you object to it, they won't act.

    And follow up!


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  • Closed Accounts Posts: 7,275 ✭✭✭Your Face


    I hope they like memes


  • Posts: 0 CMod ✭✭✭✭ Landyn Mealy Kindergarten


    Do you have to add them as a friend or something?
    I think it's ridiculous, it should have nothing to do with banking. Stick with cold hard facts and figures, not "they like going out so they will probably default" or whatever nonsense it is


  • Registered Users, Registered Users 2 Posts: 8,671 ✭✭✭GarIT


    bluewolf wrote: »
    Do you have to add them as a friend or something?


    No it is only anything they can find by googling your name.


    What if someone says "Had a mad nite, spent all me rent money again haha" which is a real facebook post, should they not be refused a mortgage on that basis?


  • Registered Users, Registered Users 2 Posts: 2,375 ✭✭✭Sin City


    Set up a second Facebook account
    problem sorted

    But seriously this is an invasion of privacy and should not be used by the banks


  • Registered Users, Registered Users 2 Posts: 43,032 ✭✭✭✭SEPT 23 1989


    Will the bankrupt tax payer owned bank furnish the facebook accounts of the management so we can also see what kind of lives they lead running an insolvent institution


  • Registered Users, Registered Users 2 Posts: 8,671 ✭✭✭GarIT


    Everyone in HR will google a candidate's name before offering them a job which they can be sacked from easily, why can't a bank google an applicants name before loaning them €200,000+ that can't be taken back easily?


    The only reason this is on any from now is they the bank have to be open about what data they are looking at now with GDPR.


  • Registered Users, Registered Users 2 Posts: 34,321 ✭✭✭✭listermint


    I actually dont see how this is legal whatsoever, Both under current Irish data protection laws OR the impending GDPR law which takes off mid May 2018.


    Are they in for a shock ?


    Id say so.


  • Registered Users, Registered Users 2 Posts: 7,724 ✭✭✭whippet


    Sin City wrote: »
    Set up a second Facebook account
    problem sorted

    But seriously this is an invasion of privacy and should not be used by the banks

    how is it an invasion of privacy ? They might just look at any sh1te that you stick up on social media for the world to see .... if you don't want it to be seen .. don't put it up there.


    I have often looked for people on Facebook / Instagram who I had been interviewing ... even one case where I could see a history of where this person had posted plenty of selfies with the hashtag #pullingasickie or the like ......

    Don't go running around the streets in the nip if you don't want people looking at you in the nip.


  • Posts: 17,378 ✭✭✭✭ [Deleted User]


    "understand our relationship with you" makes it sound like it's for existing customers who might be in arrears.

    I understand the privacy aspect but if you are getting hundreds of thousands of euros from other people. If you're saying you're in arrears because of a job loss, and you're posting from Majorca, it's something the banks would like to know about.


  • Registered Users, Registered Users 2 Posts: 8,671 ✭✭✭GarIT


    listermint wrote: »
    I actually dont see how this is legal whatsoever, Both under current Irish data protection laws OR the impending GDPR law which takes off mid May 2018.


    Are they in for a shock ?


    Id say so.


    There's no laws against anoyone or nay instution looking up publicly available data. They just have to be open that they are analysing it under GDPR.


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  • Registered Users, Registered Users 2 Posts: 2,375 ✭✭✭Sin City


    whippet wrote: »
    how is it an invasion of privacy ? They might just look at any sh1te that you stick up on social media for the world to see .... if you don't want it to be seen .. don't put it up there.


    I have often looked for people on Facebook / Instagram who I had been interviewing ... even one case where I could see a history of where this person had posted plenty of selfies with the hashtag #pullingasickie or the like ......

    Don't go running around the streets in the nip if you don't want people looking at you in the nip.

    True however a lot of people who do that have their accounts set to private so only friends can see them taking the piss, this would intrude on that


  • Registered Users, Registered Users 2 Posts: 107 ✭✭Rochelle


    JupiterKid wrote: »
    Nope, its a total invasion of privacy. What if you hold the "wrong" views on politics or the banking sector?
    Good one...if you're concerned about privacy don't make your life public....


  • Moderators, Computer Games Moderators Posts: 7,943 Mod ✭✭✭✭Yakult


    I'm just shocked people haven't deleted facebook already tbh.


  • Registered Users, Registered Users 2 Posts: 8,671 ✭✭✭GarIT


    Sin City wrote: »
    True however a lot of people who do that have their accounts set to private so only friends can see them taking the piss, this would intrude on that


    No it doesn't intrude on anything, if it's not public they can't look at it and that's the end of the story. You don't have to add them as a friend or make anything viewable to them.


  • Registered Users, Registered Users 2 Posts: 3,553 ✭✭✭lmimmfn


    And people see no problem signing up for AIB Rewards so they can analyze your spending habits.

    Ignoring idiots who comment "far right" because they don't even know what it means



  • Registered Users, Registered Users 2 Posts: 34,321 ✭✭✭✭listermint


    GarIT wrote: »
    There's no laws against anoyone or nay instution looking up publicly available data. They just have to be open that they are analysing it under GDPR.

    They can ask, they are not entitled to it. There are laws for that yes.


  • Posts: 0 CMod ✭✭✭✭ Landyn Mealy Kindergarten


    GarIT wrote: »
    No it is only anything they can find by googling your name.


    What if someone says "Had a mad nite, spent all me rent money again haha" which is a real facebook post, should they not be refused a mortgage on that basis?

    Absolutely not??
    The banks should already be going through the person's financial records. They can see for themselves whether rent was paid on time as usual with or without any strange once off incomes from a friend helping them out. Without resorting to reading any old nonsense on fb which could as well as not be lies to try sound funny

    Anyway if it's just googling i suppose anywhere does it. I thought you would have to hand over info about your account or something.


  • Registered Users, Registered Users 2 Posts: 8,671 ✭✭✭GarIT


    listermint wrote: »
    They can ask, they are not entitled to it. There are laws for that yes.


    That goes both ways, you can ask for a loan you're not entitled to it, if you don't want them looking you up don't go for a loan, simple.


  • Moderators, Science, Health & Environment Moderators Posts: 23,248 Mod ✭✭✭✭godtabh


    JupiterKid wrote: »
    Nope, its a total invasion of privacy. What if you hold the "wrong" views on politics or the banking sector?

    You dont have a right to a mortgage. Its their rules.


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  • Registered Users, Registered Users 2 Posts: 5,200 ✭✭✭hots


    listermint wrote: »
    I actually dont see how this is legal whatsoever, Both under current Irish data protection laws OR the impending GDPR law which takes off mid May 2018.


    Are they in for a shock ?


    Id say so.

    What's illegal about it? They're googling you.


  • Posts: 17,378 ✭✭✭✭ [Deleted User]


    I presume insurance companies do this as well?


  • Registered Users, Registered Users 2 Posts: 8,671 ✭✭✭GarIT


    I presume insurance companies do this as well?


    No actually. Too many people have too similar details for it to be effective if automated. Insurance premiums are usually calculated fully automatically. Someone in charge of mortgage approvals can stick your name into google and have a reasonably good idea who is and isn't you.


  • Registered Users, Registered Users 2 Posts: 13,846 ✭✭✭✭somesoldiers


    why don't they stick to working on lowering the mortgages rates overall so then more people will be able to afford repayments instead of gouging people.

    Why can't I go to Belgium or somewhere else in Europe and get a mortgage for a house in Ireland at 1.5%, if I remember from my Intercert geography, the whole point of the EC as it then was the" free movement of goods and services"?

    AIB, inter alia, have been paying the Irish government back for their bailout money by grossly overcharging on mortgages, effectively they have been paying us back with our own money and looking to reward themselves for doing this.

    how are all those tracker mortgage overcharges coming along, have you paid back all the people who's lives were ruined or ended by your greed?


  • Posts: 17,378 ✭✭✭✭ [Deleted User]


    GarIT wrote: »
    No actually. Too many people have too similar details for it to be effective if automated. Insurance premiums are usually calculated fully automatically. Someone in charge of mortgage approvals can stick your name into google and have a reasonably good idea who is and isn't you.

    I mean for claims.. Like someone saying they have a neck injury. I was pretty sure insurance companies are allowed to hire investigators to follow people in real life, and online.


  • Registered Users, Registered Users 2 Posts: 2,357 ✭✭✭tara73


    that article is some waffling without saying anything definite, just states the obviousrolleyes.png

    whoever is still living in cloud cuckoo land and thinks banks, employers and all the other people who might have an interest in you are not looking up your name on google, facebook etc. when applying for a mortgage or even open up an account is..? don't know how to call it...

    that's why, thank god, there's (still) the option to put your account on private and nothing could be seen. simple as.

    so what does this form ask for is the question: that you open up your account to them, to see everything you posted?
    not working, anybody would delete any content which could put the mortgage approver off.

    so then next and most important question: is it already going that far that facebook is collaborating with banks and providing them with the whole content of a facebook account from a mortgage applicant?

    that would be infuriating, but unfortunately, not surprising if this becomes the new reality. welcome to the Orwell world.


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  • Registered Users, Registered Users 2 Posts: 8,671 ✭✭✭GarIT


    I mean for claims.. Like someone saying they have a neck injury. I was pretty sure insurance companies are allowed to hire investigators to follow people in real life, and online.


    Oh, sorry. Yes, they do. All banks were already doing this too, they just now have to start telling customers because of GDPR.


  • Registered Users, Registered Users 2 Posts: 2,357 ✭✭✭tara73


    I mean for claims.. Like someone saying they have a neck injury. I was pretty sure insurance companies are allowed to hire investigators to follow people in real life, and online.


    afaik insurance companies don't hire investigators beforheand. they don't have to.
    when signing up with them, they give you forms were you have to tell them about everything, like illnesses in the past or for car insurances, accidents in the past.

    if you not giving them this information or incorrect information beforehand and you get ill or have another accident, they simply don't have to pay.


  • Registered Users, Registered Users 2 Posts: 81,220 ✭✭✭✭biko


    I hope they don't find my boards account


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