Tag-Archive for » banking «

Thursday, September 17th, 2015 | Author:

Tsare Sirri, Time, Kudi

Ba na son zare kudi umarni. Ban taba son wannan ra'ayin cewa wani mahaluži iya, a nufin, kai kusan duk wani adadin kudi ta (da … abin da ke samuwa). A abokin aiki nuna batun tare da MTN da an kauce masa ya I an ta amfani da zare kudi domin. Wata kila da “saukaka” factor ba da irin wannan mummunan abu.

Na yi tsammani da penultimate tambaya a nan shi ne shin ko ba ka so saukaka kuma zai iya amince da cibiyoyin (a wannan yanayin da ka kudi) – ko kuma idan ba za ka iya amince da su kuma su ne shirye ya forgo cewa saukaka. A na harka, ko da yake har yanzu ina tambayar saukaka, Na koyi da wuya hanyar da MTN cewa ninki biyu na iya zama m zuwa da ka alaka duniya rage zuwa “m tsibirin” status. Kusan kowa da kowa a yau ke tare da saukaka factor.

Saukaka

A wannan bangaren, yanzu lokaci mai tsawo da suka wuce, I had a dispute with Planet Fitness inda saukaka wani mai kaifi biyu takobi. Na ruwaito su kasuwanci yi wa Mai amfani da gunaguni Hukumar (tun sake shirya yadda Mai amfani da Hukumar kasa) 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.

Ba ni da wani Samu vitality m wanda ya ba mutane da yawa amfanin, ciki har da rage kudaden a kan Premium brands – mafi yawa kiwon lafiya da alaka ba shakka, as Discovery is a Medical Aid/Health Insurance provider. A saka shi kawai, Samu ne madalla. Vitality ta amfanin rufe dakin motsa jiki mambobin da abin da kara hada da Planet Fitness. You still have to pay something, karamin alama dadin jikina, to Gano, ga dakin motsa jiki membobinsu. Amma, bayan duk, sun so ni in zama lafiya, so they don’t mind footing the bulk of the bill. Amma, a fili, wannan yana nufin Planet Fitness’ tallace-tallace jamiái ba su samu da hukumar!

To, abin da ya aikata wannan sakamakon a? A sakamakon haka ne cewa PF ta tallace-tallace wakili ya ba ni wani inflated adadi na “Vitality na tushen” membobinsu. Ya yi ƙarya. Sai ya yi mini hannu a kan cike da gidajen gona line ga wani inflated farashin mai “na yau da kullum” membobinsu (a, shi ne a zahiri fiye da ko da wani na yau da kullum membobinsu zai kudin), ending up about 4 da kuma 5 sau da yawa a matsayin vitality na tushen membobinsu.

Epiphanies

Some time in 2011 Na karshe wisened har zuwa cikin halin kaka da nake kamata da za a biya. Samu Na tabbata ba zai zama ma farin ciki game da wannan fiasco. Na yi magana da Manager a dakin motsa jiki, kuma ina da tabbacin cewa dukan kwangila za a tarwatsa. Ba na daya domin tashin hankali … sai dai idan ta ga wasanni … a cikin wani Octagon … amma bayan ta 5th ziyara a Manager su tambaye dalilin da ya sa Zare kudi oda aka har yanzu faruwa, ya ce da ni ya yi mamakin ban zo da makamai tare da ni ga ziyarar. Bayan 'yan mafi ziyara, da Manager ya zahiri bar Planet Fitness da bayyana mini cewa, “kwangila” was between myself and Head Office and that the local gym, a fili a ikon amfani da sunan kamfani-style aiki, ya little to ba ka ce game da ko ko ba haka ba za a iya soke. Idan Head Office ce ba, m arziki.

By this point I’d lost it. I had my bank put a daina da zare kudi umarni. 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 sabis. Ba zan iya taimakawa, amma tunanin da banki tsarin na goyon bayan na yau da kullum maganganu amma ma'aikatan Ba ​​dole ba san yadda za su yi amfani da shi.

Technically I’m still waiting on the CCC to get back to me (ba ya faru – kuma ba shakka da suka kasance sunã sake shirya yadda aka ambata a sama don haka al'amarin yiwuwa fadi ta hanyar fasa). I mana, da cewa batu PF ma so ya blacklist ni ga ba biyan!

Da ba tsammani Hero

A taragutsan ambaci batun to Gano (Ina ganin na yi kira gare su game da wani likitan hakora ziyarar) sa a cikin wani callback da daya daga Gano ta jamiái. Fa, sun tambaye ni don bayyana matsalar, daki-daki da kuma a rubuce, to mafi alhẽri bayyana daga hangen zaman gaba abin da ya faru da gaske. Na zamar masa dole. Sai dai itace da na ke daidai game da su ba da “kuma farin ciki” game da shi. A gaskiya sun gaske ba su son shi. About three weeks later, Planet Fitness refunded ni a FULL ga dukan kudade da suka kasance Mai an biya musu.

Samu ne 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”) da kuma, 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. Yes, me. Some days I find myself horrified to find the lowliest of criminal bastards trying to steal our livelihoods.

Yes, 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” da kuma, 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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