Tag-Arhiiv » banking «

Thursday, September 17th, 2015 | Autor:

Privaatsus, Aeg, Raha

Mulle ei meeldi debiteerimiskorralduste. Ma pole kunagi meeldinud idee, et teine ​​osapool saab, tahte järgi, võtta peaaegu iga summa minu raha (hästi … mis iganes on saadaval). Kolleeg märkis küsimus MTN oleks saanud vältida, kui oleksin kasutanud debiteerimiskorralduse. Võib-olla “mugavus” tegur ei ole nii halb.

Ma arvan, et eelviimane küsimus on selles, kas sa ei taha mugavuse ja saab usaldada institutsioonid (sel juhul oma raha) – või kui te ei suuda neid usaldada ja on valmis loobuma, et mugavuse. Minu puhul, kuigi ma veel kahtlevad mugavuse, Ma mõistnud koos MTN, et see kahekordselt võib olla ebamugav oma võrgustunud maailmas vähenenud “kaugel saarel” staatus. Peaaegu igaüks täna läheb koos mugavuse tegur.

Mugavuse

Teiselt poolt, nüüd ammu, I had a dispute with Planet Fitness kus mugavuse oli kahe teraga mõõk. Ma teatasid oma äritava Tarbijakaebuste komisjon (alates ümber korraldatud, kuna National Consumer Komisjon) 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.

Ma olen Discovery Vitality liige, mis annab palju kasu, sealhulgas vähendatud aktsiisimaksu määrasid Premium brändid – peamiselt tervisega seotud muidugi, as Discovery is a Medical Aid/Health Insurance provider. Panna see lihtsalt, Discovery on fantastiline. Vitality kasulikkus hõlmab jõusaal liikmemaksud, mis sisaldab lisaks Planet Fitness. You still have to pay something, väike sümboolne kehvasti, Discovery, jaoks jõusaali liikmeks. Kuid, ju, Nad tahavad mind terveks, so they don’t mind footing the bulk of the bill. Kuid, ilmselt, see tähendab, Planet Fitness’ müügiesindajate ei saa komisjon!

Mida see tulemus? Tulemuseks on, et PFi müügiagendina andis mulle pumbatud näitaja “Vitality baasil” liikmelisus. Ta valetas. Ta oli mulle kirjutama paberisse pumbatud hind “regulaarne” liikmelisus (jah, see oli tegelikult rohkem kui isegi tavalise liikmeks oleks maksnud), ending up about 4 ja 5 korda nii palju kui Vitality liikmetasu.

Epiphanies

Some time in 2011 Ma lõpuks wisened kuni kulud pidin maksma. Discovery Olen kindel ei oleks liiga õnnelik selle fiasko. Rääkisin Manager jõusaalis, ja ma olin kindel, et kogu lepinguperioodi oleks lammutada. Ma ei ole üks vägivalla … kui selle jaoks sport … aastal Octagon … kuid pärast minu 5. visiidi Manager küsida, miks debiteerimiskorralduste olid ikka juhtub, ütles ta mulle, et ta oli üllatunud, ma ei andnud relvi minuga visiidi. Veel mõne külastused, Manager oli lahkunud Planet Fitness ja seletas mulle, et “leping” was between myself and Head Office and that the local gym, ilmselt frantsiisi-stiilis operatsioon, oli vähe või üldse mitte kaasa rääkida, kas ta võiks tühistatakse. Kui peakontor ütles ei, ebaõnn.

By this point I’d lost it. I had my bank put a peatus et debiteerimiskorraldusi. 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 “ennistada” the blocking teenus. Ma ei saa aidata, kuid arvan, et pangandussüsteemi toetab regulaaravaldiste kuid töötajad ei pruugi teada, kuidas seda kasutada.

Technically I’m still waiting on the CCC to get back to me (kunagi juhtunud – ja muidugi need ümber korraldatud, nagu eespool mainitud, et tegemist ilmselt langes pragude kaudu). Muidugi, Kõnealuses punktis PF tahtis ka musta nimekirja mind ei maksa!

Ootamatu Hero

Juhuslikult mainitud küsimus Discovery (Ma arvan, et ma helistasin neile hambaarst visiidil) tulemuseks tagasihelistamise üks Discovery agendid. Seejärel palus mul kirjeldada probleemi, üksikasjalikult ja kirjalikult, paremini selgitada minu vaatenurgast, mis oli tegelikult juhtus. Ma kohustatud. Selgub, mul oli õigus nende kohta ei ole “liiga hea” sellest. Tegelikult nad tegelikult ei meeldi. About three weeks later, Planet Fitness tagastatakse mind täielikult kõik raha, mis oli kunagi makstud neile.

Discovery on vinge. 🙂

osa
Monday, April 20th, 2009 | Autor:

I’m looking at the South African banking system (partly a result of watching the Zeitgeistdocumentary”) ja, 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.

osa
Pühapäev, April 19th, 2009 | Autor:

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

Jah, 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” ja, 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.

osa