Tag-Archive for » banking «

Thursday, September 17th, 2015 | Author:

Nzuzo, Oge, Ego

M na-adịghị amasị debit iwu. M na mgbe mmasị echiche na ọzọ kwadoro nwere ike, na uche, -fọrọ nke nta ọ bụla ego nke m ego (ọma … ihe ọ bụla bụ dị). A otu gosiri na nke na- MTN ga-e ẹse m a na-eji a debit iji. Ma eleghị anya, “mma” na-akpata bụ bụghị dị otú ahụ a ihe ọjọọ.

Echere m na ndị penultimate ajụjụ ebe a bụ ma ma ọ bụ na ị chọrọ mma na pụrụ ịtụkwasị obi oru (na nke a na gị ego gị) – ma ọ bụ ma ọ bụrụ na ị na-apụghị ịtụkwasị ha obi na-adị njikere ịhapụ ya mma. M ikpe, n'agbanyeghị na m ka na-ajụ na mma, M mụtara n'ụzọ siri ike na MTN na ọ doubly nwere ike na-adịghị ka gị ejikọrọ ụwa na-ebelata ka “n'àgwàetiti dịpụrụ adịpụ” ọnọdụ. Fọrọ nke nta onye ọ bụla taa na-aga na na mma-akpata.

Mma

N'akụkụ aka nke ọzọ, ugbu a ogologo oge gara aga, I had a dispute with Planet Fitness ebe mma bụ a mma ihu abụọ. M kọrọ ha azụmahịa omume ka Consumer Complaints Commission (ebe ọ bụ na re-haziri ka 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.

M a Discovery vitality so nke na-enye ọtụtụ uru, gụnyere belata udu na adịchaghị ụdị – ukwuu n'ime ahụ ike-metụtara N'ezie, as Discovery is a Medical Aid/Health Insurance provider. Itinye ya nanị, Discovery bụ egwu. Vitality si uru ekpuchi mgbatị memberships nke ozokwa na-agụnye Planet Fitness. You still have to pay something, a obere iriba ama nke ụdị, ka Discovery, maka mgbatị otu. Ma, ka emechara, ha chọrọ ka m na-ike, so they don’t mind footing the bulk of the bill. Ma, o doro anya na, nke a pụtara Planet Fitness’ ahịa mmadụ adịghị enweta ọrụ!

Ya mere, ihe ka nke a na n'ihi na? N'ihi na PF si ahịa gị n'ụlọnga nyere m otu ebu ọnụ ọgụgụ maka a “Vitality dabeere” otu. Na ọ ghara ụgha. O wee ama m banye na dotted akara maka ihe ebu price nke a “mgbe” otu (ee, ọ bụ n'ezie karịa ọbụna a mgbe otu ga-eri), ending up about 4 na 5 ugboro dị ukwuu dị ka vitality dabeere otu.

Epiphanies

Some time in 2011 M mechara wisened ruo-akwụ ụgwọ m e kwesịrị ịbụ na-akwụ ụgwọ. Discovery m n'aka ga-adị oke obi ụtọ banyere nke a fiasco. M gwara ndị Manager na-amụ, na m e mesiri obi ike na dum nkwekọrịta ga-hapụrụ. M otu maka ime ihe ike … ma ọ bụrụ na ya maka egwuregwu … na Octagon … ma mgbe m 5th nleta Manager ịjụ ihe mere ndị Debit Asọ ka nọ na-eme, ọ gwara m na-idem m ama ada ngwá agha m maka nleta. Mgbe a ole na ole ọzọ nleta, na Manager ahụ n'ezie hapụrụ Planet Fitness na kọwaara m na “nkwekọrịta” was between myself and Head Office and that the local gym, o doro anya na a franchise-ịke ime, ama obere ka ọ dịghị ikwu okwu banyere ma ma ọ bụ na ọ pụrụ ịkagbu. Ọ bụrụ na Head Office sị mba, siri ike chioma.

By this point I’d lost it. I had my bank put a Kwụsị ka debit iwu. 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 ọrụ. Apụghị m ma na-eche ichekwa ego na bank usoro akwado mgbe okwu ma mkpara adịghị bụchaghị mara otú iji ya.

Technically I’m still waiting on the CCC to get back to me (mgbe mere – na N'ezie ha na-re-haziri dị ka e kwuru n'elu otú ahụ ikpe eleghị anya dara site cracks). N'ezie, site na mgbe PF chọkwara Blacklist m n'ihi na ọ bụghị na-akwụ ụgwọ!

Na-atụghị anya dike

A haphazard aha na nke na Discovery (Echere m na m na-akpọ ha banyere a dọkịta eze nleta) rụpụtara na a callback site na otu nke Discovery si elekọta mmadụ. Ha na-ahụ gwara m ka m na-akọwa nsogbu, n'ụzọ zuru ezu na na na ide, ka mma ịkọwa site m n'ọnọdụ ihe merenụ n'ezie. M ụgwọ. Ọ na-enyo m bụ nri banyere ha ka ha ghara ịbụ “kwa obi ụtọ” gbasara ya. N'ezie ha n'ezie ọ dịghị amasị. About three weeks later, Planet Fitness refunded m na zuru maka niile ewerekwa ego na gatụla ugwo ha.

Discovery bụ 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”) na, 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” na, 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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