Privacy, Time, Money
I don’t like debit orders. I’ve never liked the idea that another entity can, at will, take almost any amount of my money (well … whatever’s available). A colleague pointed out the issue with MTN would have been avoided had I been using a debit order. Maybe the “convenience” factor isn’t such a bad thing.
I suppose the penultimate question here is whether or not you want the convenience and can trust institutions (in this case with your money) – or if you can’t trust them and are willing to forgo that convenience. In my case, even though I still question the convenience, I learned the hard way with MTN that it doubly can be inconvenient to have your connected world reduced to “remote island” status. Almost everyone today goes with the convenience factor.
On the other hand, now a long time ago, I had a dispute with Planet Fitness where convenience was a double-edged sword. I reported their business practice to the Consumer Complaints Commission (since re-organised as the National Consumer Commission) and never got feedback from them. The gist of the issue is that Planet Fitness’s sales agent lied to me and a friend in order to get more commission/money out of my pocket.
I’m a Discovery Vitality member which gives many benefits, including reduced rates on Premium brands – mostly health-related of course, as Discovery is a Medical Aid/Health Insurance provider. To put it simply, Discovery is awesome. Vitality’s benefits cover gym memberships which further includes Planet Fitness. You still have to pay something, a small token of sorts, to Discovery, for the gym membership. But, after all, they WANT me to be healthy, so they don’t mind footing the bulk of the bill. But, apparently, this means Planet Fitness’ sales agents don’t get the commission!
So what does this result in? The result is that PF’s sales agent gave me an inflated figure for a “Vitality-based” membership. He lied. He then had me sign on the dotted line for an inflated price of a “regular” membership (yes, it was actually more than even a regular membership would have cost), ending up about 4 and 5 times as much as the Vitality-based membership.
Some time in 2011 I finally wisened up to the costs I was supposed to be paying. Discovery I am sure wouldn’t be too happy about this fiasco. I spoke to the Manager at the gym, and I was assured that the entire contract would be scrapped. I’m not one for violence … unless its for sport … in an Octagon … but after my 5th visit to the Manager to ask why the Debit Orders were still happening, he told me he was surprised I hadn’t brought weapons with me for the visit. After a few more visits, the Manager had actually left Planet Fitness and explained to me that the “contract” was between myself and Head Office and that the local gym, apparently a franchise-style operation, had little to no say about whether or not it could be cancelled. If Head Office said no, tough luck.
By this point I’d lost it. I had my bank put a stop to the debit orders. It was a huge schlep: I had to contact the bank every month because the debit order descriptions would change ever so slightly. It also cost me a little every couple of months to “reinstate” the blocking service. I can’t help but think the banking system supports regular expressions but the staff don’t necessarily know how to use it.
Technically I’m still waiting on the CCC to get back to me (never happened – and of course they were re-organised as mentioned above so the case probably fell through the cracks). Of course, by that point PF also wanted to blacklist me for not paying!
The Unexpected Hero
A haphazard mention of the issue to Discovery (I think I called them about a dentist visit) resulted in a callback by one of Discovery’s agents. They then asked me to describe the problem, in detail and in writing, to better explain from my perspective what had really happened. I obliged. It turns out I was right about them not being “too happy” about it. In fact they really didn’t like it. About three weeks later, Planet Fitness refunded me in FULL for all monies that had ever been paid to them.
Discovery is Awesome. 🙂