September 12

Klammroth – Isa Grimm

Vor vielen Jahren forderte eine schreckliche Tragödie in einem Tunnel nahe des Städtchens Klammroth grausam ihre Opfer. Mehrere Schulbusse verbrannten, vollgestopft mit Jugendlichen aus dem Ort. Die Überlebenden sind für ihr Leben gekennzeichnet und teilweise auf dauerhafte Hilfe und Schmerztherapie angewiesen.
Anais gehörte zu diesen Jugendlichen und kam vergleichsweise glimpflich davon. Doch der Tunnel verfolgt sie seit dem Tag des schrecklichen Unfalls und lässt sie nicht mehr los. Als ihre Stiefmutter stirbt, muss sie Klammroth und damit ihre Vergangenheit wieder besuchen, da sie die Angelegenheiten regeln muss.
Bereits als sie den kleinen Ort anfährt spürt sie wieder die Anziehungskraft des schrecklichen Tunnels und zusammen mit Anais scheint auch die Vergangenheit zurück nach Klammroth zu kommen.
Was ist damals wirklich geschehen, was ist der Tunnel tatsächlich und worum handelt es sich bei den seltsamen Dingen, die Anais immer wieder begegnen?

Hörprobe:

Für Stammleser oder Stammzuschauer meiner kleinen Welt dürfte klar sein, warum mich diese Geschichte interessierte. Sie hört sich gruselig und gespenstisch an und das zieht mich natürlich immer schnell in seinen Bann. Zudem muss man neidisch anerkennen, dass die Covergestaltung mehr als gelungen ist.

Isa Grimm baut ihre Protagonistin Anais sehr detailliert aus. Anais ist geprägt durch ihre Vergangenheit Schriftstellerin geworden, die ihre Werke mit kontroversen Aktionskunstspektakeln bewirbt. Sie hat zusammen mit einem Musiker eine Tochter, die sich im Teenageralter befindet. Die Beziehung der Eltern ist jedoch bereits vor Jahren zerbrochen, die Tochter lebt beim Vater. Trotzdem kommt diese mit nach Klammroth, um ihrer Mutter diesen schweren Schritt etwas zu erleichtern.

Anais fühlt sich wie magisch angezogen vom dem schrecklichen Unglücksort nahe Klammroth und im Laufe der Geschichte erfährt der Leser auch warum. Trotzdem bleibt der Fokus des Buches eher auf der Charakterentwicklung denn auf dem Vorankommen in der Geschichte. Teilweise verliert sich meiner Meinung nach Isa Grimm etwas in ihr und erzeugt so gewisse Längen und kann den Spannungsbogen nicht konstant aufrecht erhalten.

Während die Story erzählt wird gibt es immer wieder Wendungen, die man nicht unbedingt so vorausahnen konnte. Das stellt für mich einen großen Pluspunkt dar. Ich mag unvorhersehbare und dennoch logische Wendungen, die jeder guten Geschichte die richtige Wirkung und Würze verleihen.

Wer jedoch eine gruselige Geschichte erwartet, der ist hier meines Erachtens eher falsch. Zwar geht es hier auch um seltsame Vorkommnisse, die sich auch nicht unbedingt erklären lassen, dennoch ist der Fokus wie bereits erwähnt auf Anais selbst gerichtet und ihr Ermitteln im Todesfall ihrer verhassten Stiefmutter.

“Klammroth” ist daher für mich ein teilweise überraschender, mäßig spannender Krimi mit übernatürlichen Elementen und einem guten und flüssigen Schreibstil. Jeder Leser, der auch gerne mal leisere Töne bevorzugt und in einen vernarbten Charakter hineintauchen möchte, könnte dies in Klammroth tun.

3,5stars

“Klammroth” von Isa Grimm aus dem Bastei-Lübbe-Verlag, 336 Seiten, ISBN-13: 978-3785761076

Buch bei amazon.de: Klammroth: Roman


Copyright © 2014. All rights reserved.

Posted 12. September 2014 by Chrissie in category Buchrezension

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They get their information from two main sources: other lending companies that have agreed to share data about their customers, and public records. Lending companies share information including how much a customer is in debt to them, how promptly they pay their bills, and if they pay in full, and whether their credit cards are maxed out. The information gathered from public records includes details of adverse credit events such as CCJs, bankruptcies and IVAs, plus information held on the electoral roll. High street lenders interpret this data in line with their own criteria and arrive at a credit score, based on which they will say ‘yes’ or ‘no’ to a remortgage application. If the decision isn’t clear cut, they might say ‘yes’, but charge higher fees and/or a higher rate of interest. They do this for two reasons; to offset what they see as an additional risk and because they know they can, as borrowers with a poor credit rating have fewer options than those with an exemplary record. What is my credit rating? Finding our your credit rating is easy. Find out your credit report Adverse credit events stay on a person’s record for six years, after which they are removed. In the majority of cases, even if the six year period isn’t up yet, the further in the past something is, the less impact it will have on your credit score and therefore on a lender’s decision. However, even after they have ‘dropped off’ the record, if you are asked about certain types of adverse credit event – such as a previous bankruptcy or property repossession – you must declare it. While there are options available to those with an adverse credit score looking to remortgage a property, it is always recommended that you look to improve your credit score wherever possible. How does a credit score work? There are some positive steps you can take that will improve your situation and encourage lenders to look more favourably upon your application. Arguably the most important thing you can do is to improve your credit score. Improving your credit score is a continuous process, not something that can be achieved overnight – you must persevere with it to get results. However, if you are taking the right steps, you will soon begin to see some small improvements. Having a healthy credit score will make a huge difference to your future financial dealings. We always recommend speaking to a qualified adviser with regard to putting together a plan to improve your credit score; however, there are some immediate actions you can take to put your credit rating back on track. These include: Get a copy of your credit report from each of the UK’s three credit reference agencies – Experian, Equifax and Callcredit – and check that the details they hold are correct (they may hold different details, so do get your report from all three, not just one) Regularly update the personal details held on your credit report Make sure you are registered on the electoral roll Keep track of your credit card balances; ideally try to always pay more than the minimum to drive the balance down, and take care not to go over your agreed credit limit Use your calendar to make sure you pay your bills on time and manage your monthly income Cancel all lines of credit that are not in use, such as store cards or ‘just in case’ credit cards (but see below for an alternative option) Build up a positive credit history; for example, if you have a credit card that you don’t use, rather than cancelling it, use it at least once a month, perhaps for buying petrol or groceries – but make sure you pay it off in full every time, don’t build up additional debt Resist the temptation to take out payday loans, as they are considered to be a red flag showing that you cannot manage your finances month to month Moving forward, leave any good debt on your report For more suggestions as to how you can repair your credit rating, check out our page of simple tips. Additional actions to take Something else to bear in mind if any missed payments show on your credit record is whether they were due to events outside of your control. If, for example, your employer went out of business, leaving you financially stranded, then you should contact each credit reference agency and explain what happened. They have the ability to add a note of correction to your credit file explaining the circumstances, which may well mitigate the effect of the default on future credit decisions. There are other things you can do that, while they do not in themselves boost your credit rating, will help you to avoid falling into future difficulties, and perhaps to pay things off faster. For example, take on some freelance work or a second job, or look for a job that pays more or is closer to home (so you save money on commuting). Make sure you aren’t paying more than you need to for things like your mobile phone, cable TV, fuel and broadband, and if you have a gym membership but can’t remember the last time you were there, cancel it. The more you have left after paying your bills, the better your chances of passing the affordability test. What is the affordability test? Every application for a mortgage or a remortgage is subject to an affordability assessment, and this is the case no matter what the credit status of the applicant might be. Potential lenders will look at income versus expenditure, taking everything into account, to arrive at a debt-to-income ratio. Since June 2014 the Financial Conduct Authority’s recommendation is that the debt-to-income ratio should be no higher than 45 for an offer of a mortgage or remortgage to be made. If you want to do a quick, rough calculation to see where you stand, then: make a list of all income you will receive over the year and divide by 12 (if all your income comes in monthly, just add it up) add up all your monthly bills – mortgage, credit card, etc. – then list all your other bills, whether quarterly, annual or whatever; add the monthly cost of these additional bills to your original total divide your monthly expenses by your monthly income and multiply the answer by 100, which will give you your debt-to-income ratio, expressed as a percentage The lower the number, the better. You can lower your debt-to-income ratio by either reducing your debt or increasing your income. What if you can’t wait for your credit score to improve over time? For those in need of a more immediate remortgaging solution, there are specialist lenders who work with applicants with low credit scores, offering deals that cannot be obtained from high street lenders. So if your need is urgent and you are asking yourself, ‘Can I remortgage with bad credit?’ the answer is ‘yes’. Get in touch today for free initial advice and no-obligation quotes from our team of experienced bad credit brokers. How can we help? Just Mortgage Brokers have experience of working with property owners at all levels, from those who are relatively new homeowners to highly experienced landlords with extensive property portfolios. We also have unlimited access to the UK mortgage market and many years of experience of working with a network of bad credit lenders across the country. That means we are not restricted to products from any one particular lender but can work with a diverse range of specialist lenders to secure the remortgage deal you require. This combination of impartiality and unlimited market access gives us the very best chance of obtaining a competitively priced bad credit remortgage. We know exactly where to turn to find a mortgage to suit the particular needs of each and every client, regardless of their credit history. If you have a history of bad credit and are looking to remortgage a property, speak to Just Mortgage Brokers today to get the right deal for you.

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