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Thursday, September 17th, 2015 | Author:

Príobháideacht, Am, Airgead

Ní maith liom orduithe dochair. Riamh mé thaitin an smaoineamh gur féidir aonán eile, Beidh ag, ghlacadh beagnach aon mhéid mo chuid airgid (go maith … is cuma cad tá ar fáil). A chomhghleacaí fios an cheist leis an MTN Ba mhaith a sheachaint go raibh mé ag baint úsáide as ordú dochair. B'fhéidir an “áise” Ní fachtóir a leithéid de rud dona.

Is dócha go bhfuil an cheist leathdhéanach anseo an bhfuil nó nach mian leat an áise agus is féidir le hinstitiúidí muinín (sa chás seo le do chuid airgid) – nó más rud é nach féidir leat muinín leo agus iad sásta forgo go áise. I mo chás, cé ceist mé fós an áise, D'fhoghlaim mé an bealach crua le MTN gur féidir é a bheith doubly deacair a bheith acu do domhan ceangailte laghdú go dtí “iargúlta oileán” stádas. Téann beagnach gach duine sa lá atá inniu leis an fachtóir áise.

Áise

Ar an láimh eile,, anois i bhfad ó shin, I had a dispute with Planet Fitness áit a raibh áise sword dúbailte-edged. Thuairiscigh mé a gcleachtas gnó chuig an gCoimisiún um Ghearáin Thomhaltóirí (ós rud é ath-eagraithe mar an An Coimisiún Náisiúnta Tomhaltóirí) 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.

Tá mé Bheocht Discovery comhalta a thugann go leor buntáistí, lena n-áirítear rátaí laghdaithe ar brandaí Préimh – den chuid is mó a bhaineann le sláinte ar ndóigh, as Discovery is a Medical Aid/Health Insurance provider. A chur air ach, Discovery is awesome. Chlúdach bheocht sochair memberships giomnáisiam lena n-áirítear tuilleadh Fitness Planet. You still have to pay something, chomhartha beag de shaghas, go Discovery, do bhallraíocht gym. Ach, tar éis gach, IARRAIDH siad dom a bheith sláintiúil, so they don’t mind footing the bulk of the bill. Ach, cosúil, ciallaíonn sé seo Planet Fitness’ Ní ghníomhairí díolacháin a fháil ar an coimisiún!

Mar sin, cad mar thoradh air seo i? Is é an toradh a thug díolacháin PF gníomhaire dom figiúr teannta ar feadh “Bheocht bunaithe ar” ballraíocht. Lied sé. Sé ansin bhí mé a shíniú ar an líne dotted ar phraghas teannta ar “rialta” ballraíocht (yes, go raibh sé i ndáiríre níos mó ná fiú mbeadh ballraíocht rialta acu ó thaobh costais), ending up about 4 agus 5 huaire an oiread agus is an bhallraíocht bheocht-bhunaithe.

Epiphanies

Some time in 2011 Wisened mé deireadh suas go dtí na costais a bhí ceaptha agam a bheith ag íoc. Discovery Tá mé cinnte nach mbeadh ró-sásta faoi seo fiasco. Labhair mé go dtí an Bainisteoir ag an spórtlann, agus bhí mé cinnte go mbeadh an conradh iomlán a scrapped. Níl mé ceann amháin le haghaidh foréigean … mura do spórt … i Octagon … ach tar éis mo chuairt 5 go dtí an Bainisteoir a iarraidh ar cén fáth ar na hOrduithe Dochair ag tarlú fós, dúirt sé liom go raibh ionadh nach raibh thug mé airm liom do chuairt. Tar éis cúpla cuairteanna níos, Bhí an Bainisteoir fhág iarbhír Planet Fitness agus mhínigh dom go raibh an “conradh” was between myself and Head Office and that the local gym, cosúil oibríocht saincheadúnais-stíl, Bhí beag chun aon rá faoi an bhfuil nó nach bhféadfaí é a chur ar ceal. Más rud a dúirt Cheannoifig aon, Ádh mór diana.

By this point I’d lost it. I had my bank put a stad leis na horduithe dochair. 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 “chur ar ais” the blocking seirbhíse. Ní féidir liom cabhrú ach is dóigh a thacaíonn leis an gcóras baincéireachta sloinn rialta ach ní dhéanann na baill foirne a fhios conas é a úsáid gá go.

Technically I’m still waiting on the CCC to get back to me (riamh a tharla – agus ar ndóigh siad go raibh ath-eagraithe mar a luaitear thuas mar sin an cás is dócha thit tríd an cracks). Ar ndóigh,, ag an bpointe sin theastaigh PF freisin chun blacklist orm i dtaobh gan íoc!

An Laoch gan choinne

A lua haphazard den eisiúint chuig Discovery (I mo thuairimse, ar a dtugtar mé leo faoi chuairt fiaclóir) thoradh ar callback ag ceann de na gníomhairí Fionnachtana. D'iarr siad orm ansin chun cur síos ar an bhfadhb, go mion agus i scríbhinn, a mhíniú níos fearr ó mo thaobh cad a tharla i ndáiríre. D'oibleagáid orm. Casadh sé amach go raibh mé ceart mar gheall orthu nach “ró-sásta” faoi. Go deimhin siad i ndáiríre Ní raibh sé an-mhaith. About three weeks later, Planet Fitness aisíoc dom i IOMLÁN do gach airgead a bhí a íocadh leo riamh.

Is Discovery Awesome. 🙂

Comhroinn
Monday, April 20th, 2009 | Author:

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

Comhroinn
Sunday, April 19th, 2009 | Author:

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

Tá, 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” agus, 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.

Comhroinn