Gigantti instalments only for Citizens?

[betelgeuse]

I also asked customer center of Gigantti to give me confirmation that instalment payments are only for citizens for which they replied:

Unfortunately there are some bank directives that can prohibit us from selling on installments if the buyer is not a Citizen or lived long enough in Finland.

which means its not only for Citizens but also for Residents who have lived long enough in Finland. I will ask them again, how long is long enough.

Now you have in writing that they are discriminating based on citizenship.

I'm looking for any government directive which says about the X years of the stay in the country is determined as long enough.

I don't think there is one. The bank directive in this case seems to refer to Handelsbanken internal directives.

[newborn]

Resident doesn't mean you are never gonna return to your home country. You migh be robbing all shops which offer credit before making your final flight,

"Over 15,000 Finnish citizens moved abroad in 2014".

http://yle.fi/uutiset/osasto/news/over_ ... 14/8198560

What would you say about these 15,000 Finns many of whom do not return in years or many of them live in another country permanently?

What if some of these Finns do the same? They can if they want, can't they? I used to believe that Finns are not racists but my belief is becoming kind of a disbelief for many factors/ incidents.

I also believe that most Finns are honest. However, there are cases which show that there are Finns who are not honest and the number is not very small.


http://yle.fi/uutiset/osasto/news/the_i ... me/7001100

http://yle.fi/uutiset/osasto/news/monda ... es/7272949

http://yle.fi/uutiset/osasto/news/wedne ... nt/9224683

http://yle.fi/uutiset/osasto/news/finni ... me/9167196


"According to the LGT Bank some 20 Finns have evaded tax in Finland via accounts with €50-60 million in deposited funds."

" According to Taloussanomat Finland loses €320 million taxes in tax havens annually.[8] According to business watchdog organization Finnwatch Finnish companies have 438 subsidiaries in countries classed as tax havens. Finland's 20 top firms were found by Finnwatch to have subsidiaries in tax havens.[9].........

https://en.wikipedia.org/wiki/Corruption_in_Finland

"An investigation covering the period 2008 - 2012 revealed that in 2010 up to 1.4 billion euros in VAT collected by businesses never made it into government coffers"

http://yle.fi/uutiset/osasto/news/onlin ... rs/7763773

http://yle.fi/uutiset/osasto/news/taxma ... gh/8777237

http://yle.fi/uutiset/osasto/news/hs_ov ... ns/7039928

http://yle.fi/uutiset/osasto/news/stt_f ... es/9105515

http://yle.fi/uutiset/osasto/news/nokia ... nd/9050394

There are definitely non-Finns who do bad things but it does not mean that all non-Finns are bad. I experienced during my stay in Germany that some South Asians used to buy expensive mobiles on 2 year contracts just before leaving Germany. In the same way, there are Finns who are also doing some bad things as mentioned above.

What you will believe is your choice. However, I must say that discrimination based on age, origin, nationality, language, religion, belief, opinion, political activity, trade union activity, out look or other personal characteristics etc. are increasing in Finland. The main reason could be that most Finns think that this kind of behavior is their matter of preference/choice or they do such things to the Finns as well.

[Sunil-123]

It's not about who is honest or who is dishonest. It's also not that Finns are better than others. It's about your country and a foreign country. 14000 Finns might have left Finland but how many of them would have closed all the doors to retuen for 10000 euros? Because if you don't pay 10000 euros for 30-40 years and then you decide to retuen it would have gone well above 100000 with all the interest and penalties.

But a foreigner on a residence permit doesn't have these concerns unless he has some very strong ties with Finland.

There are good and bad people everywhere. We don't need to judge people but there are some risks which are involved with certain situations. And I believe Gigantti or any other company is fully justified in refusing to issue loans for non-nationals.

[newborn]

It's not about who is honest or who is dishonest. It's also not that Finns are better than others. It's about your country and a foreign country. 14000 Finns might have left Finland but how many of them would have closed all the doors to retuen for 10000 euros? Because if you don't pay 10000 euros for 30-40 years and then you decide to retuen it would have gone well above 100000 with all the interest and penalties.

It seems that you would not understand the points I tried to make. Of course, it is a matter of honesty and also matter of whether it is possible to recover the money in case the buyer does not pay in time. It seems you do not care about the real numbers as well.

But a foreigner on a residence permit doesn't have these concerns unless he has some very strong ties with Finland.

Since when does an EU citizen need residence permit to live in Finland? Besides, I think, it is possible to get money back from an EU citizen when s/he lives within the EU if the company/bank wants. A bit complicated but not impossible.

There are good and bad people everywhere. We don't need to judge people ...

I wonder why you wrote the following stuff in the first place?

Resident doesn't mean you are never gonna return to your home country. You migh be robbing all shops which offer credit before making your final flight

I get it that many of us are not that thoughtful. However, I see that there are also many here who are thoughtful and try to give real and helpful information.

[Rip]

i don't frankly know about the legal aspects, but Gigantti may have a reason (other than just being operated by mean racists) for their policy:
http://www.kaleva.fi/uutiset/oulu/krp-o ... an/741722/

KRP:n Oulun yksikössä on paraikaa setvittävänä laaja rikoskokonaisuus, jossa on hankittu muun muassa kalliita kännyköitä ja arvokkaita autoja Oulun seudulta osamaksupetoksilla.

Tekijät ovat onnistuneet saamaan jopa 30 000–50 000 euron autoja vain käsirahalla, minkä jälkeen ajoneuvot on ajettu Etelä-Suomeen ja sitä kautta laivateitse eli ”uittamalla” Eurooppaan.

– Autoja on saatu kiinni Turkista ja niistä on tehty havaintoja myös Bulgariasta, Soronen kuvailee.

Rikosylikomisarion mukaan KRP:llä viime aikoina tutkinnassa olleissa tapauksissa epäillyt tekijät ovat usein olleet ulkomaalaistaustaisia. Tyypillistä on, että he käyttävät toisia ulkomaalaisia niin sanottuina bulvaaneina.

[Oho]

i don't frankly know about the legal aspects, but Gigantti may have a reason (other than just being operated by mean racists) for their policy:
http://www.kaleva.fi/uutiset/oulu/krp-o ... an/741722/

I am pretty sure its legal, if any one thinks that having different rules for citizens and non citizens is inherently illegal they are welcome to make the note of it to the parliament to have the constitution overturned for starters......

Actually I would assume Gigantti has used such crude a definition precisely to remain on the good side of the law. That is, they would probably be in violation if they said they will not give credit to Bulgarians but will give to Germans for example, but its pretty safe to draw the line between Finnish and non Finnish nationals. I find it rather presumptuous how some forum writers assume expertise over an army of corporate lawyers at Gigantti's disposal.

[brexit]

Are they legally right to provide the instalment payment system only to citizens?

I went to Megastore to buy something and asked the seller if I could use that 10 months instalment options, he said its only for citizens. I said him, no it cannot be, there cannot be a different rule for citizen and other EU citizens inside the EU states. He wasn't quiet expecting that reply from me and went to ask his supervisor where they discussed a bit and came up with confident reply that the service is only for Finnish Citizen.

I would have bought the item there in cash but his marketing skills pissed me off. So, I went to another Gigantti store and asked the seller the same question about buying it in instalments.

At first the seller asked my ID to write something in computer, I gave him driving license which he denied and asked for another card, I gave him the card from police. Upon Police card he was typing something in computer and asked me aren't you a citizen? I said yes I am citizen of my country but not of Finland. In that case, he went to ask his supervisor and later came and asked for passport (assuming I'd not have one). I gave him my passport and he went to his supervisor again and after some discussions they were in conclusion that I cannot buy the item in instalments as I have to be citizen as the computer says so. I said him the same EU citizen cannot be treated separately within EU states which they said will inform and ask with their big bosses.

Conclusion: Gigantti instalment payments are only for citizens. Another thing I couldn't grasp is what is secret thing that only citizens have as per Gigantti instalment payment system form? that other residents don't?

This is not correct information to my knowledge. I have taken credit and I am not a Finnish citizen. Which Giganti you went?

[brexit]

This is not correct information to my knowledge. I have taken credit and I am not a Finnish citizen. Which Giganti you went?

Do you mean information by Gigantti? yes I have found out they were wrong and also made complaint to the authority.

The information that you have to be Finnish citizen to get credit. That's utterly wrong information.