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Thursday, September 17th, 2015 | Author:

Privasi, Masa, Wang

Saya tidak suka pesanan debit. Saya tidak pernah suka idea bahawa entiti lain boleh, pada akan, mengambil hampir apa-apa jumlah wang saya (baik … apa ada). Seorang rakan menegaskan isu dengan MTN telah dielakkan sekiranya saya telah menggunakan perintah debit. Mungkin “kemudahan” faktor tidak seperti satu perkara yang buruk.

Saya rasa soalan kedua terakhir di sini ialah sama ada atau tidak anda mahu kemudahan dan boleh mempercayai institusi (dalam kes ini dengan wang anda) – atau jika anda tidak boleh mempercayai mereka dan sanggup untuk melepaskan kemudahan yang. Dalam kes saya,, walaupun saya masih mempersoalkan kemudahan, Saya belajar dengan cara yang sukar dengan MTN bahawa ia dua kali ganda boleh menjadi sukar untuk mempunyai dunia yang disambungkan dikurangkan kepada “jauh pulau” status. Hampir semua orang hari ini pergi dengan faktor kemudahan yang.

Convenience

Sebaliknya, sekarang masa yang lama lalu, I had a dispute with Planet Fitness mana kemudahan adalah pedang bermata dua. Saya melaporkan amalan perniagaan mereka kepada Suruhanjaya Aduan Pengguna (disusun semula kerana sebagai Suruhanjaya Pengguna Nasional) 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.

Saya adalah seorang Discovery Vitality ahli yang memberikan banyak manfaat, termasuk mengurangkan kadar pada jenama Premium – kebanyakannya berkaitan kesihatan sudah tentu, as Discovery is a Medical Aid/Health Insurance provider. Untuk meletakkan ia hanya, Discovery adalah hebat. Manfaat Vitality meliputi keahlian gimnasium yang lagi termasuk Planet Fitness. You still have to pay something, token kecil pelbagai, untuk Discovery, untuk keahlian gim. Tetapi, selepas semua, mereka MAHU saya untuk menjadi sihat, so they don’t mind footing the bulk of the bill. Tetapi, nampaknya, ini bermakna Planet Fitness’ ejen jualan tidak mendapat komisen!

Jadi apakah keputusan ini dalam? Hasilnya adalah bahawa ejen jualan PF memberikan saya seorang tokoh yang melambung untuk “Vitality berasaskan” keahlian. Dia berbohong. Beliau kemudian telah saya menandatangani di garis titik untuk harga yang melambung daripada “tetap” keahlian (ya, ia sebenarnya lebih daripada yang menjadi ahli biasa akan mempunyai kos), ending up about 4 dan 5 kali lebih banyak keahlian berdasarkan Vitality-the.

Epiphanies

Some time in 2011 Saya akhirnya wisened sehingga kos Saya sepatutnya membayar. Discovery Saya pasti tidak akan terlalu gembira tentang kemelut ini. Saya bercakap dengan Pengurus di gimnasium, dan saya yakin bahawa keseluruhan kontrak akan dimansuhkan. Saya tidak salah bagi keganasan … melainkan jika untuk sukan … dalam Octagon … tetapi selepas lawatan 5 saya kepada Pengurus untuk bertanya mengapa Perintah Debit masih berlaku, dia memberitahu saya dia terkejut saya tidak membawa senjata dengan saya untuk lawatan. Selepas beberapa lagi lawatan, Pengurus sebenarnya telah meninggalkan Planet Fitness dan menjelaskan kepada saya bahawa “kontrak” was between myself and Head Office and that the local gym, nampaknya satu operasi ala francais, telah sedikit atau tidak ada katakan mengenai sama ada atau tidak ia boleh dibatalkan. Jika Ibu Pejabat berkata tidak, nasib yang sukar.

By this point I’d lost it. I had my bank put a berhenti pesanan debit. 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 “semula” the blocking perkhidmatan. Saya tidak boleh membantu tetapi berfikir sistem perbankan menyokong ungkapan biasa tetapi kakitangan tidak semestinya tahu bagaimana untuk menggunakannya.

Technically I’m still waiting on the CCC to get back to me (tidak pernah berlaku – dan sudah tentu mereka telah disusun semula seperti yang dinyatakan di atas supaya kes itu mungkin jatuh melalui retak). Sudah tentu, oleh titik yang PF juga mahu menyenarai hitam saya kerana tidak membayar!

Hero yang tidak dijangka

A sebutan tidak teratur isu itu kepada Discovery (Saya rasa saya memanggil mereka tentang lawatan doktor gigi) menyebabkan panggilan balik oleh salah seorang ejen Discovery. Mereka kemudian meminta saya untuk menerangkan masalah ini, secara terperinci dan secara bertulis, untuk lebih menjelaskan dari perspektif saya apa yang sebenarnya berlaku. Saya diwajibkan. Ternyata saya adalah betul tentang mereka yang bukan “terlalu gembira” mengenainya. Malah mereka benar-benar tidak suka. About three weeks later, Planet Fitness balik saya dalam Penuh bagi semua wang yang telah pernah dibayar kepada mereka.

Discovery Awesome. 🙂

Kongsi
Friday, September 24th, 2010 | Author:

The upgrade to WordPress 3 was long overdue (as are many draft articles). Surprisingly, nothing looks different since the upgrade has been completed, though I also would not be surprised if I’ve missed an important plugin breakage.

I’ll be spending a day this weekend solely on polishing the site and finishing up some articles. You have something to look forward to. 🙂

Kongsi
Thursday, June 03rd, 2010 | Author:

Why I’ve left MTN

So I’ve been shopping around in a non-serious fashion in the last few months trying to figure out how best to leave MTN and how get the best deal for me. I don’t like MTN since I became anirate“, as I might call such a customer in the ISP industry. MTN’s Customer-Service Call Centre had rarely been helpful or knowledgeable on their own systems. The final straw however was when their systems let me screw myself over and Customer Service was as helpful as a dead redshirt:

I had a billing issue where, admittedly, it started of my own fault. MTN has a feature where you can call in to find out the amount owing on your account. Only, as Murphy would have it, this amount was tidak the amount owing on the account but the last amount that was billed.

So one month my account was about R900. I called the number, mis-heard R500, paid the amount I thought I should: R500. 15 days later MTN suspended my account. No wrong done, right? Wrong.

First off, I received no notification of any kind. An sms would make the most sense, especially since it would cost MTN almost no resources: “Your account xyz is in arrears by R400. Please contact blah blah blah”. They could phone me, they could email me, something, but nothing of the sort happened. Suspend without Prejudice. Thats the best way to get the customer’s attention!

Now, not only could I not make calls and sms’s, I could not receive calls or sms’s. Further, I could not even call MTN’s toll free phone number. I had to use someone else’s phone to get to the bottom of the problem. After two days of haggling I finally found a lady kind enough to re-enable the account. Ten days later my salary goes in, I call the same number and hear a number close toR900”. I think to myself maybe I should double-check juuuust in case I mis-heard. I call again, I hear the same number again. Right. Pay the R900. Fifteen days later, my phone is suspended AGAIN. WTH?

Remember what I mentioned earlier?: “this amount was tidak the amount owing on the account but the last amount that was billed.” So, in spite of the fact that the voice prompt specifically saysPress 3 for Balance Due; [Presses 3] ; The Total Outstanding Balance is; Nine; hundred; dan; #whatever ; Rands; dan; #whatever; cents”, I actually owed them R900 plus the R400 that I’d paid short the previous month. No, I do not know if MTN has fixed this. I no longer care. Since I figured this out I started waiting for paper statements to see how much was actually due. Interestingly, their paper statements were also wrong. Only they had the opposite problem: “This invoice: R1300in spite of the fact that on the next page it says opening balanceR400”, closing balanceR1300”. Pah! Is it fixed? Again, I don’t care.

I let them know I wasn’t renewing the contract and I’ve now already ported my number away to Virgin Mobile. Because I want to keep my number and port it elsewhere, the store said I could not putunsatisfactory serviceas the reason for ending the contract but that it should simply sayporting”. Apparently by putting anything else there they might notnoticethat I want it ported. WTF.

What next? (without MTN)

In my research I’ve found that contractdealsare most popular. Typically, you can get a R8000 phone for R800 per month over 24 months with R500-odd worth of airtime per month. This amounts to you paying R19 200 over a 24-month period for a phone worth R8000 which will be obsolete within 12 bulan. You will get some airtime every month so you might feel its not a complete loss. However you should also remember that it costs the cellular companies nothing when you make those phone calls. Keuntungan.

There’s a better way

There are much cheaper contracts, contracts for between R50 and R200 which include cheapish phonesphones that work damned well as a phone but won’t let you play games on the train. Most of these contracts actually give you the same airtime value (sometimes more!) as what you are paying. So for R100 you might get R100 worth of airtime plus some free sms’s, and a cheapish phone. The best deals I’ve seen recently have all been for the Samsung STAR, an understated but good cell phone, available from a number of retailers for between R100 and R200 per month. In most cases the deals have included the full amount of airtime. Virgin Mobile has probably the best example here: The cost is R199 per month which includes R200 in airtime and 1000 sms’s (ya, you read that rightone thousand!).

Virginal Service All the Way!

Another reason I’ve gone with Virgin Mobile is a little something no other service provider does: AmixedContract/Prepaid facility. I get R200 in airtime however, if I go over that, the extra just gets added to my invoice. With MTN this could go sky high without the option of a limit! With Virgin, because I asked, it has a limit of R300. Walau bagaimanapun, I can still add prepaid airtime (with cellphone banking, nogal). No other service provider lets you do this!

Remember that R8000 cell phone I mentioned earlier? My plan is to get the Samsung STAR and spend less than R300 per month. I’ll have saved enough money to actually go and buy a more expensive phone (or laptop) with the cash I’ll have saved! Sudah tentu, if you actually use that R800-worth of phone calls, I guess the best available deal is where you spend the R19200 anyway. Maybe at least with a more critical view on your choices you’ll save yourself a good amount of money in future. Good luck in your search for your best deal!

Kongsi
Monday, April 20th, 2009 | Author:

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

Kongsi
Monday, March 16th, 2009 | Author:

Im not gay. But if you’re single, ill marry you

Anon male client to Anon male consultant who went out of his way to help the client out.

If I were the one who helped this client and I got a response like this, I’d feel good about it.

Kongsi