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Thursday, September 17th, 2015 | Author:

Preifatrwydd, Amser, Arian

Dwi ddim yn hoffi gorchmynion debyd. Dydw i erioed wedi hoffi'r syniad bod endid arall gall, ar bydd, cymryd bron unrhyw swm o fy arian (yn dda … beth bynnag sydd ar gael). Mae cydweithiwr tynnu sylw at y mater gyda MTN fyddai wedi cael eu hosgoi pe bawn bod yn defnyddio gorchymyn debyd. Efallai y “cyfleustra” Nid yw ffactor yn y fath beth drwg.

Mae'n debyg y cwestiwn olaf ond un yma yw p'un a ydych am y cyfleustra ac yn gallu ymddiried sefydliadau (yn yr achos hwn gyda'ch arian) – neu os nad ydych yn gallu ymddiried ynddynt ac yn barod i fynd heb y cyfleustra. Yn fy achos i, hyd yn oed er fy mod yn dal i gwestiwn y cyfleustra, Dysgais y ffordd galed gyda MTN ei fod yn ddwbl gall fod yn anghyfleus i gael dy fyd gysylltiedig leihau i “anghysbell ynys” statws. Mae bron pawb heddiw yn mynd gyda'r ffactor cyfleustra.

Cyfleus

Ar y llaw arall, Erbyn hyn amser maith yn ôl, I had a dispute with Planet Ffitrwydd lle mae cyfleustra oedd cleddyf dwbl-ymyl. Adroddais eu harferion busnes i Gomisiwn Cwynion Defnyddwyr (Ers ad-drefnu fel y Comisiwn Cenedlaethol y Defnyddwyr) 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.

Rwy'n Bywiogrwydd Darganfod aelod sy'n rhoi llawer o fanteision, gan gynnwys cyfraddau is ar frandiau Premiwm – yn bennaf, wrth gwrs, sy'n gysylltiedig ag iechyd, as Discovery is a Medical Aid/Health Insurance provider. I roi yn syml, Discovery yn awesome. Budd-daliadau Vitality yn cwmpasu aelodaeth campfa sydd bellach yn cynnwys Ffitrwydd Planet. You still have to pay something, arwydd bach o fath, i Discovery, ar gyfer aelodaeth gampfa. Ond, wedi'r cyfan, maent am i mi i fod yn iach, so they don’t mind footing the bulk of the bill. Ond, yn ôl pob golwg, mae hyn yn golygu Planet Ffitrwydd’ Nid asiantau gwerthu yn cael y comisiwn!

Felly beth mae hyn yn arwain at? Y canlyniad yw bod PF yn asiant gwerthu roddodd i mi yn ffigwr chwyddo ar gyfer “Bywiogrwydd-seiliedig” aelodaeth. Mae'n dweud celwydd. Roedd hynny wedi i mi lofnodi ar y llinell doredig am bris chwyddedig o “rheolaidd” aelodaeth (ie, yr oedd mewn gwirionedd yn fwy na hyd yn oed y byddai aelodaeth rheolaidd wedi costio), ending up about 4 a 5 gwaith cymaint â'r aelodaeth seiliedig Bywiogrwydd-.

Epiphanies

Some time in 2011 Fi 'n ddiwethaf wisened hyd at y costau oeddwn i fod i gael eu talu. Darganfod Yr wyf yn siŵr y byddai ddim yn rhy hapus am y llanastr. Siaradais â'r Rheolwr yn y gampfa, a chefais sicrwydd y byddai'r contract cyfan yn cael ei dileu. Dydw i ddim yn un ar gyfer trais … oni bai bod ei gyfer chwaraeon … mewn Octagon … ond ar ôl fy ymweliad 5ed i'r Rheolwr i ofyn pam y Gorchmynion Debyd yn dal i ddigwydd, dywedodd wrthyf ei fod yn synnu nad oeddwn i wedi dod arfau gyda mi ar gyfer yr ymweliad. Ar ôl ychydig yn fwy o ymweliadau, Rheolwr gwirionedd wedi gadael Planet Ffitrwydd ac eglurodd i mi fod y “contract” was between myself and Head Office and that the local gym, yn ôl pob golwg llawdriniaeth rhyddfraint-arddull, Roedd ychydig i ddim dweud am ai peidio ellid ei ganslo. Os Dywedodd y Brif Swyddfa ddim, lwc anodd.

By this point I’d lost it. I had my bank put a rhoi'r gorau i at y gorchmynion debyd. 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 “adfer” the blocking gwasanaeth. Nid wyf yn gallu helpu ond meddwl y system fancio yn cefnogi mynegiadau rheolaidd ond nid yw'r staff o reidrwydd yn gwybod sut i'w ddefnyddio.

Technically I’m still waiting on the CCC to get back to me (digwydd byth – ac wrth gwrs y cawsant eu hail-drefnu fel y nodwyd uchod, felly yr achos yn ôl pob tebyg syrthiodd drwy'r craciau). Wrth gwrs, erbyn hynny PF hefyd eisiau rhestr ddu mi am beidio â thalu!

Yr Arwr Annisgwyl

Mae sôn hap o'r mater i Discovery (Rwy'n credu fy mod yn galw arnynt am ymweliad deintydd) arwain at alwad yn ôl gan un o asiantau Discovery. Maent wedyn yn gofyn i mi i ddisgrifio'r broblem, yn fanwl ac yn ysgrifenedig, i esbonio yn well o fy safbwynt beth oedd wedi digwydd mewn gwirionedd. Yr wyf yn rhaid. Mae'n troi allan i mi oedd yn iawn amdanynt beidio â bod “yn rhy hapus” am y peth. Yn wir, maent yn mewn gwirionedd Nid oedd yn ei hoffi. About three weeks later, Ad-dalu Planet Ffitrwydd mi yn LLAWN ar gyfer yr holl arian a oedd erioed wedi cael ei dalu iddynt.

Discovery yn Awesome. 🙂

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Monday, April 20th, 2009 | Author:

I’m looking at the South African banking system (partly a result of watching the Zeitgeistdocumentary”) a, after finding my bank implicated most with regards to the SA-Banking Competition Commission wikileaks scandal, I’m putting serious consideration into switching banks.

What ethical banks are out there right now? I’ve even looked into Sharia (Islamic) banking because of their strict ethics laws but even there I’m looking at even more unknowns. I’m not Islamic and I have nothing against funding pork-related activities.

On that note, do you know if your bank has a code of ethics? If they’re public, where can we see these ethics codes?

Tell me about service levels I haven’t heard of before and which bank you believe deserves to handle my money.

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Sunday, April 19th, 2009 | Author:

I think the Internet is a scary place. Oes, me. Some days I find myself horrified to find the lowliest of criminal bastards trying to steal our livelihoods.

Oes, people, there are criminals out there and they want your money or they want to use you to make money. What’s even more scary is the lengths to which they are willing to go, even risking YOU. Do not pass Go. Do not collect $200.

I received an email saying that I was being offered a job as aRegional Assistant” a, though the details weren’t given, the email suggested that it was a legitimate opportunity. I replied asking about where they’d received my details and also about what they would require of me.

Being the skeptic I am, I thought I could spot scammers a mile away. How fortunate that I can still laugh at the idea.

A few hours later, they replied indicating that I’d soon receive further instructions. They’dprobablybeen referred to me by a friend and they had a pile of referrals and so couldn’t specify which friend had recommended me. I waited patiently and left it to the back of my mind. “They’ve probably found a good candidate already and I’ve lost out”, I thought. “How nice that a friend might refer me. Obviously I’m Awesome.” (and daft :-/)

So later on, I receive my email with myfurther instructions”. This is where I finally realised that I was dealing with scammers:

Hi. We’d like to start a trial task. Our customer will make a bank transfer to you this week. Please go to our site <site omitted> to submit the banking details where the transfer will go to. Once we’ve established a good transaction history, you will receive between 2-3 transfers per week (amounts of about R10 000 each except the first trial transfers).
Please confirm that you can start. We don’t send any transfers to your account until we receive confirmation from you.
On Monday you will receive notification, detailed information and instructions regarding the transfers. Thank you and have a lovely weekend.

Say what??? I checked out the web site in question and, without a doubt, this is a money laundering scheme done by professionals. They know what they’re doing and they probably launder millions every month. What’s more is that, inevitably, they will screw you over and get the cops to arrest YOU. These criminals can leave evidence behind implicating you even if all you’ve done is diligently moved money from one place to anotherand kept a small percentage for yourself. 😛

Money laundering is where illegitimate money (stolen, probably) is transferred via third parties to appear more legitimate. You’re an accessory to the crime and, even worse, you’re even likely to be the victim of it. Recognise when an opportunity is too good to be true. I was fooled for a short while. Next up, given that a victim might give out a lot of personal details, the scammers might steal your identity and start to implicate you in fraudulent activities without you ever having done a thing.

If you happen to have already given any details such as the above where they wanted my banking details, contact your bank and inform them of the situation. They will give you the best possible advice on what to do next. If you’ve already responded to the mail but haven’t yet already given them the information they want, don’t reply any further. I’d also suggest calling your local police for further advice.

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