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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
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
Sunday, April 19th, 2009 | Author:

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

Ya, 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” dan, 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.

Kongsi