Tag-Archive for » banking «

Thursday, September 17th, 2015 | Author:

Privacy, Tan, Lajan

Mwen pa renmen lòd debi. Mwen pa janm te renmen lide ki fè konnen yon lòt antite kapab, nan ap, pran prèske nenpòt kantite lajan nan lajan m (byen … kèlkeswa sa ki disponib). Yon kolèg vize deyò koze a ak MTN ta yo te evite mwen te fè lè l sèvi avèk yo te yon lòd debi. Petèt a “konvenyans” faktè se pa tankou yon move bagay.

Mwen ta kwè kesyon an isit la se penultyèm si wi ou non ou vle konvenyans nan ak ka fè konfyans enstitisyon (nan ka sa a ak lajan ou) – oswa si w pa ka fè konfyans yo ak yo vle renonse ke konvenyans. Nan ka mwen an, menm si mwen toujou kesyon konvenyans nan, Mwen te aprann wout la difisil ak MTN ke li doubl kapab konvenyan gen mond konekte ou redwi a “remote zile” estati. Prèske tout moun jodi a ale ak faktè a konvenyans.

Konvenyans

Nan lòt men an, kounye a yon tan long anpil, I had a dispute with Planèt Fòm kote konvenyans te yon kouto de bò. Mwen total pratik biznis yo nan Komisyon an Konsomatè Plent (depi re-òganize kòm nan Komisyon Nasyonal Konsomatè) 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.

Mwen se yon Dekouvèt vitality manm ki bay anpil avantaj, ki gen ladan redwi pousantaj sou mak Premium – nan kou sitou asosye ak sante-, as Discovery is a Medical Aid/Health Insurance provider. Pou mete li tou senpleman, Dekouvèt se pè. Benefis vitalite la kouvri adezyon jimnastik ki plis gen ladan Fòm Planèt. You still have to pay something, yon siyal ti nan kalite, Dekouvèt, pou manm lan gym. Men,, apre tout, yo ta vle m 'rete an bòn sante, so they don’t mind footing the bulk of the bill. Men,, aparamman, sa vle di planèt Fòm’ lavant ajan pa jwenn komisyon an!

Se konsa, sa ki fè sa a rezilta nan? Rezilta a se ke lavant ajan pf a te ban m 'yon figi gonfle pou yon “Vitalite-ki baze” manm. Li bay manti. Apre sa, li te m 'siyen sou liy lan pwentiye an pou yon pri gonfle nan yon “regilye” manm (repons lan se wi, li te aktyèlman plis pase menm yon rapòte regilye ta gen pri), ending up about 4 ak 5 fwa otan ke manm yo ki baze sou vitality.

Epifani

Some time in 2011 Mwen finalman wisened jiska depans sa yo mwen te sipoze peye. Dekouvèt mwen sèten pa ta ka twò kontan sou sa a fyasko. Mwen te pale ak Manadjè a nan jimnastik la, epi mwen te asire ke ta kontra a tout antye ap trete. Mwen pa youn pou vyolans … sòf si li yo pou espò … nan yon Oktagòn … men apre 5yèm vizit mwen nan Manadjè a mande poukisa Kòmann yo debi yo te toujou ap pase, li te di m 'li te etone mwen pa te fè l' zam ansanm avè m 'yo pou vizit la. Apre yon kèk plis vizit, Manadjè a te aktyèlman kite planèt Egzèsis fizik ak eksplike m ke nan “kontra” was between myself and Head Office and that the local gym, aparamman yon operasyon franchiz ak stil, te ti kras pa gen di sou si ou pa li te kapab ap anile. Si Head Office di pa gen okenn, chans difisil.

By this point I’d lost it. I had my bank put a sispann a lòd yo debi. 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 “retabli” the blocking sèvis. Mwen pa ka ede men panse sistèm bankè a sipòte ekspresyon regilye men anplwaye yo pa nesesèman konnen ki jan yo sèvi ak li.

Technically I’m still waiting on the CCC to get back to me (pa janm rive – ak nan kou yo te re-òganize kòm mansyone anwo a se konsa ka a pwobableman tonbe nan fant yo). Natirèlman, pa pwen sa PF tou te vle lis nwa m 'pou pa peye!

Ewo nan Inatandi

Yon mansyone azar nan pwoblèm nan Dekouvèt (Mwen panse ke mwen te rele yo sou yon vizit dantis) a nan yon kalbak pa youn nan ajan Dekouvèt nan. Yo Lè sa a mande m 'a dekri pwoblèm lan, an detay ak nan ekri, nan pi bon eksplike nan pèspektiv m 'sa ki te vrèman rive. Mwen oblije. Li sanble m 'te dwat sou yo pa te “twò kontan” sou li. An reyalite yo vrèman pa t 'renmen li. About three weeks later, Planèt Fòm ranbouse m 'nan plen pou tout lajan ki te tout tan tout tan te peye yo.

Dekouvèt se pè. 🙂

pataje
Monday, April 20th, 2009 | Author:

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

pataje
Sunday, April 19th, 2009 | Author:

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

Wi, 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” ak, 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.

pataje