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Thursday, September 17th, 2015 | Author:

Personvern, Tid, Penger

Jeg liker ikke debet bestillinger. Jeg har aldri likt ideen om at et annet foretak kan, på vilje, ta nesten et beløp av pengene mine (vel … hva som er tilgjengelig). En kollega påpekte problemet med MTN ville ha vært unngått hadde jeg brukt en belastning for. Kanskje “bekvemmelighet” faktoren er ikke så ille.

Jeg antar at den nest siste spørsmålet her er hvorvidt du vil at bekvemmelighet og kan stole på institusjoner (i dette tilfellet med pengene dine) – eller hvis du ikke kan stole på dem og er villige til å gi avkall på det praktiske. I mitt tilfelle, selv om jeg fortsatt spørsmålet praktiske, Jeg har lært på den harde måten med MTN at det dobbelt kan være upraktisk å ha den tilkoblede verden redusert til “avsidesliggende øy” status. Nesten alle i dag går med lettere faktor.

Convenience

På den annen side, nå lenge siden, I had a dispute with Planet Fitness hvor stor var et tveegget sverd. Jeg rapporterte deres forretningspraksis til Consumer Complaints Commission (siden re-organiserte som 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.

Jeg er en Discovery Vitality medlem som gir mange fordeler, inkludert reduserte priser på Premium merker – hovedsakelig helserelatert selvfølgelig, as Discovery is a Medical Aid/Health Insurance provider. For å si det enkelt, Discovery er kjempebra. Vitalitet fordeler dekker gym medlemskap som ytterligere inkluderer Planet Fitness. You still have to pay something, en liten brikke av sorterer, til Discovery, for gym medlemskap. Men, tross alt, de vil ha meg til å være sunn, so they don’t mind footing the bulk of the bill. Men, tilsynelatende, dette betyr Planet Fitness’ salgsagenter får ikke provisjon!

Så hva betyr dette resultatet i? Resultatet er at PFs salgsagent ga meg en oppblåst tall for en “Vitality-basert” medlemskap. Han løy. Han hadde meg signere på den stiplede linjen for en oppblåst pris på en “vanlig” medlemskap (ja, det var faktisk mer enn selv en vanlig medlemskap ville ha kostet), ending up about 4 og 5 ganger så mye som den Vitality baserte medlemskap.

Epiphanies

Some time in 2011 Jeg endelig wisened opp til kostnadene jeg skulle betale. Discovery Jeg er sikker på at ikke ville være så glade om denne fiasco. Jeg snakket til lederen på treningsstudio, og jeg var trygg på at hele kontrakten ville bli skrotet. Jeg er ikke en for vold … med mindre den for sport … i en Octagon … men etter min femte besøk til Manager å spørre hvorfor debet Ordrer ble fortsatt skjer, han fortalte meg at han ble overrasket over at jeg ikke hadde brakt våpen med meg for besøket. Etter noen flere besøk, lederen hadde faktisk venstre Planet Fitness og forklarte meg at “kontrakt” was between myself and Head Office and that the local gym, tilsynelatende en franchise-stil operasjon, hadde liten eller ingen si om hvorvidt det kan bli avlyst. Hvis Hovedkontor sa nei, tøff hell.

By this point I’d lost it. I had my bank put a stoppe til debet bestillinger. 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 “gjeninnsette” the blocking tjeneste. Jeg kan ikke unngå å tenke banksystemet støtter regulære uttrykk men de ansatte vet ikke nødvendigvis vet hvordan den skal brukes.

Technically I’m still waiting on the CCC to get back to me (aldri skjedd – og selvfølgelig de ble omorganisert som nevnt ovenfor, slik tilfellet trolig falt gjennom sprekker). Selvfølgelig, ved dette punktet PF ønsket også å svarteliste meg for ikke å betale!

The Unexpected Hero

En tilfeldig omtale av problemet til Discovery (Jeg tror jeg ringte dem om en tannlege besøk) resulterte i en tilbakeringing ved en av Discoverys agenter. De spurte meg om å beskrive problemet, i detalj og skriftlig, å bedre forklare fra mitt perspektiv hva som egentlig hadde skjedd. Jeg forpliktet. Det viser seg at jeg hadde rett om dem ikke å være “så glade” om det. Faktisk de virkelig liker ikke det. About three weeks later, Planet Fitness refundert meg i sin helhet for alle beløp som noensinne hadde blitt betalt til dem.

Discovery er Awesome. 🙂

Dele
Monday, April 20th, 2009 | Author:

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

Dele
Sunday, April 19th, 2009 | Author:

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

Ja, 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” og, 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.

Dele