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Thursday, September 17th, 2015 | Author:

Tsis pub twg paub, Lub sij hawm, Nyiaj

Kuv tsis nyiam daim debit kev txiav txim. Kuv twb yeej tsis nyiam lub tswv yim uas lwm lub koom haum tau, ntawm yuav, noj yuav luag txhua qhov nyiaj kuv cov nyiaj (zoo … txawm yog muaj). Ib tug colleague taw tes qhia tawm qhov teeb meem nrog MTN yuav tau raug zam tau kuv tau siv ib daim debit thiaj. Tej zaum cov “yooj yim” zoo tshaj yuav yog tsis xws li ib tug phem tshaj plaws.

Kuv kaj lias lub penultimate lo lus nug no yog seb puas los yog tsis koj xav qhov yooj yim thiab yuav tso siab rau tsev (nyob rau hauv cov ntaub ntawv no nrog koj cov nyiaj) – los yog hais tias koj yuav tsis ntseeg lawv thiab txaus siab rau tso uas yooj yim. Nyob rau hauv kuv cov ntaub ntawv, txawm tias kuv tseem nug cov yooj yim, Kuv kawm cov nyuaj txoj kev nrog MTN hais tias nws doubly yuav ua tau yooj yim rau koj kev cob cog rua lub ntiaj teb no txo ​​kom “tej thaj chaw deb kob” raws li txoj cai. Yuav luag txhua leej txhua tus niaj hnub no mus nrog tus kab ntsab zoo tshaj.

Kab ntsab

Nyob rau lwm cov tes, tam sim no ib tug ntev lub sij hawm dhau los, I had a dispute with Ntiaj Chaw qoj qhov twg yooj yim yog ib tug muab ob npaug rau-edged rab ntaj. Kuv qhia lawv ua lag ua luam xyaum mus rau lub Consumer kev tsis txaus siab Commission (txij li thaum rov ncaav li cov National Consumer Commission) 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.

Kuv yog ib tug Discovery loj hlob neeg uas muab nyiaj pab ntau, xws li txo nqi rau hwm hom – feem ntau noj qab haus huv uas muaj feem ntawm cov hoob kawm, as Discovery is a Medical Aid/Health Insurance provider. Yuav kom muab tso nws tsuas, Discovery yog txaus. Kev loj hlob kev pab them gym memberships uas ntxiv muaj xws li ntiaj chaw qoj. You still have to pay something, ib tug me me token ntawm no yam, rau Discovery, rau lub gym ua tswv cuab. Tab sis, tom qab tag nrho cov, lawv XAV kuv yuav noj qab nyob zoo, so they don’t mind footing the bulk of the bill. Tab sis, Thaj, qhov no txhais tau ntiaj chaw qoj’ kev muag khoom cov tshuaj mas siv tsis tau lub commission!

Yog li ntawd dab tsi no tshwm sim nyob rau hauv? Cov tshwm sim yog tias PF tus muag khoom neeg sawv cev muab kuv ib daim duab rau ib tug inflated “Kev loj hlob raws li” kev ua tswv cuab. Nws dag. Nws ces tau kuv kos npe rau hauv lub dotted line rau ib tug inflated nqi ntawm ib tug “cov” kev ua tswv cuab (yog, nws twb ua tau ntau tshaj li txawm ib txwm ua tswv cuab yuav muaj nqi), ending up about 4 thiab 5 lub sij hawm ntau npaum li lub loj hlob raws li cov tswv cuab.

Epiphanies

Some time in 2011 Kuv thaum kawg wisened mus txog rau lub nqi kuv yuav tsum tau them. Discovery Kuv paub hais tias yuav tsis muaj zoo siab heev txog qhov no fiasco. Kuv hais rau tus thawj tswj ntawm lub gym, thiab kuv twb paub hais tias tus tag nrho daim ntawv cog lus yuav tsum scrapped. Kuv tsis yog ib tug ua nruj ua tsiv rau … tshwj tsis yog tias nws rau kev ua si nawv … nyob rau hauv ib tug Octagon … tab sis tom qab kuv mus ntsib mus rau sis thib 5 ntawd lub Manager nug yog vim li cas lub Debit Orders tseem tshwm sim, nws hais rau kuv nws twb xav tsis thoob Kuv tsis tau coj riam phom nrog kuv rau lub mus ntsib. Tom qab ib tug ob peb ntau mus ntsib, lub Manager twb tau ncaim ntiaj chaw qoj thiab piav rau kuv hais tias tus “daim ntawv cog lus” was between myself and Head Office and that the local gym, Thaj ib tug franchise-style lag luam, tau tsawg los tsis muaj hais txog seb puas los yog tsis yog nws yuav tsum tau muab tso tseg. Yog hais tias lub taub hau ua hauj lwm said tsis muaj, tawv koob hmoov.

By this point I’d lost it. I had my bank put a nres mus rau lub debit kev txiav txim. 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 kev pab cuam. Kuv yuav pab tsis tau tab sis xav tias lub ntsuam xyuas nyiaj system txhawb cov kab zauv tab sis cov neeg ua hauj tsis tas paub yuav ua li cas siv nws.

Technically I’m still waiting on the CCC to get back to me (tsis tau tshwm sim – thiab ntawm hoob kawm lawv twb rov ncaav raws li hais saum toj no ces tus cov ntaub ntawv tej zaum poob los ntawm cov kab nrib pleb). Ntawm cov hoob kawm, los ntawm cov uas taw tes PF kuj xav blacklist kuv tsis them!

Lub Npaj txhij Hero

Ib tug haphazard mention ntawm qhov teeb meem rau Discovery (Kuv xav tias kuv muab lawv hu ua txog ib tug kws kho hniav mus xyuas) tau nyob rau hauv ib tug callback los ntawm ib tug ntawm Discovery lub tshuaj mas siv. Lawv ces nug hais tias kuv mus piav qhia txog qhov teeb meem, nyob rau hauv kev nthuav dav thiab nyob rau hauv kev sau ntawv, kom zoo dua piav qhia los ntawm kuv foundations dab tsi tau tshwm sim tiag tiag. Kuv yuam ua hauj lwm. Nws puv tawm kuv yog txoj cai hais txog lawv tsis ua “zoo siab heev” txog nws. Nyob rau hauv qhov tseeb lawv tiag tiag tsis nyiam nws. About three weeks later, Ntiaj Chaw qoj refunded kuv nyob rau hauv PUV rau tag nrho cov nyiaj uas tau puas tau them nyiaj rau lawv.

Discovery yog Txaus. 🙂

Qhia
Monday, April 20th, 2009 | Author:

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

Qhia
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” thiab, 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.

Qhia