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Thursday, September 17th, 2015 | Author:

Privacidade, Tempo, Diñeiro

Eu non me gusta de ordes de débito. Eu nunca gostei da idea de que outra entidade pode, á vontade, tomar case calquera cantidade de meu diñeiro (ben … todo o que está dispoñible). Un compañeiro apuntou a cuestión con MTN podería ser evitado se fose cunha orde de débito. Quizais o “conveniencia” factor non é unha cousa tan malo.

Supoño que o tema penúltimo aquí é se quere ou non que o barrio e pode confiar en institucións (neste caso co seu diñeiro) – ou se non pode confiar neles e están dispostos a ceder de que o barrio. No meu caso, a pesar de eu cuestionar a conveniencia, Cómo aprender do xeito máis difícil con MTN que dobremente pode ser inconveniente de ter o seu mundo conectado reducida a “illa remota” estado. Case todo o mundo hoxe vai co factor de barrio.

Conveniencia

Por outra banda, Agora, a moito tempo atrás, I had a dispute with Planet Fitness onde conveniencia foi unha arma de dobre fío. Eu relatou a súa práctica de empresas para a Comisión de Queixas dos Consumidores (xa que re-organizados como o Comisión Nacional do Consumidor) 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.

Eu son un Descubrimento Vitalidade membro que dá moitos beneficios, incluíndo taxas reducidas sobre Marcas Premium – principalmente claro relacionadas coa saúde, as Discovery is a Medical Aid/Health Insurance provider. Para colocar-lo simplemente, Descubrimento é incrible. Vitalidade beneficios abarcan academias que inclúe aínda Planet Fitness. You still have to pay something, un pequeno sinal de sorte, Discovery, para a Academia. Pero, final, Eles queren que eu sexa saudable, so they don’t mind footing the bulk of the bill. Pero, aparentemente, isto significa Planet Fitness’ axentes de vendas non reciben a comisión!

Así que este resultado en? O resultado é que o axente da PF de vendas deume unha figura inflada por un “Vitalidade baseada” filiación. El mentiu. El entón me asinar na liña pontilhada por un prezo inflacionaria dunha “regular” filiación (si, que era, en realidade, máis do que mesmo unha sociedade normal tería custa), ending up about 4 e 5 veces, tanto como a adhesión a base de vitalidade.

Epifanías

Some time in 2011 Eu finalmente wisened-se aos custos que eu debería estar pagando. Descubrimento Estou seguro de que non sería moi feliz con este fiasco. Falei co director, no ximnasio, e eu estaba seguro de que todo o contrato sería revertido. Eu non son un para a violencia … a non ser que a súa para o deporte … nun octógono … pero despois da miña visita quinta co director para preguntar por que as ordes de débito aínda estaban a suceder, el me dixo que estaba sorprendido que eu non trouxera armas comigo para a visita. Despois de máis algunhas visitas, o director tiña realmente deixou Planet Fitness e explicou-me que o “contrato” was between myself and Head Office and that the local gym, aparentemente unha operación de estilo franquía, tiña pouca ou ningunha palabra sobre se é ou non pode ser cancelada. Se Head Office dixo que non, Problemático sorte.

By this point I’d lost it. I had my bank put a deixar para as ordes de débito. 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 “reintegrar” the blocking servizo. Eu non podo axudar, pero creo que o sistema bancario apoia expresións regulares pero o equipo non necesariamente saben como usalo.

Technically I’m still waiting on the CCC to get back to me (nunca aconteceu – e por suposto que foron re-organizados, como mencionado arriba para que o caso probablemente caeu a través das fendas). Claro, por ese punto PF tamén quería lista negra para non pagar!

O heroe inesperado

Unha mención casual de a cuestión ao Discovery (Eu creo que eu chamei-os sobre unha visita ao dentista) deu lugar a un retorno de chamada por un dos axentes da Discovery. Eles, entón, pediu-me para describir o problema, detallados e escrita, para explicar mellor da miña perspectiva o que realmente acontecera. I grazas. Acontece que eu estaba seguro sobre eles non seren “moi feliz” sobre el. En realidade, Realmente non lle gustou. About three weeks later, Planet Fitness me devolto integramente para todas as cláusulas que xa foran pagados a eles.

O descubrimento é impresionante. 🙂

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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”) e, 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. Si, me. Some days I find myself horrified to find the lowliest of criminal bastards trying to steal our livelihoods.

Si, 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” e, 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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