Tag-Archive for » banking «

Thursday, September 17th, 2015 | Author:

Privacy, Waqtiga, Money

Ma jecli amar debit aadan. Waligey ma jeclaa fikradda ah in cidda kale awoodno, at will, qaadan ku dhawaad ​​lacag kasta oo aan lacag (iyo sidoo kale … wax kasta oo la heli karo). Shaqaalahan oo tilmaamay arrinta la MTN laga hortagi lahaa waxaan la isticmaalayo si debit ah. Waxaa laga yaabaa in ay “raaxadeeda” factor ma jiro wax xun.

Waxaan u malaynayaa su'aasha ceshadka halkan waa haddii aad rabto in aad nolasha iyo aamini karaan hay'adaha (kiiskan oo aad lacag) – ama haddii aad iyaga aan la aamini karin oo diyaar u yihiin inay iska iloobaan in sahlo. In kiiskeyga, inkastoo aan weli wax warsataan nolasha, Waxaan bartay habka ugu adag la MTN in laab noqon kartaa xanibayo in aad aduunka ugu xiran hoos u dhigay “jasiiradda fog” status. Ku dhawaad ​​qof kasta oo maanta la factor dhaw raaxadeeda waxa uu aadayo.

Dhibyaraan

Dhinaca kale, wakhti dheer ka hor, I had a dispute with Planet Fitness halkaas oo sahlo ahaa seef laba af leh. Waxaan la sheegay in dhaqanka ganacsi si ay u Komishanka Cabashooyinka Consumer (tan iyo dib-u-abaabulan sida Komishanka Qaranka ee Consumer) 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.

Waxaan ahay a Discovery koboca xubin ka tirsan oo ku siinaya faa'iidooyin badan, oo ay ku jiraan heerka hoos ku magac Premium – inta badan la xiriira caafimaadka dabcan, as Discovery is a Medical Aid/Health Insurance provider. Si aad u dhigay si fudud, Discovery waa cabsi. Faa'iidooyinka koboca ee dabooli xubin gym oo dheeraad ah waxaa ka mid ah Planet Fitness. You still have to pay something, calaamo yar oo ah madaxa bannaanaa, si Discovery, xubin jimicsiga. Laakiin, ka dib oo dhan, Waxay rabaan ii ahaan caafimaad qaba, so they don’t mind footing the bulk of the bill. Laakiin, muuqata, tani waxay ka dhigan Planet Fitness’ wakiilada iibka aan helin komishanka!

Sidaas waxa natiijadan ku sameeya? Natiijadu waxay tahay in wakiilka iibka PF ee i siiyey tiro buunbuuniyo ah “Koboca ku salaysan” xubin. Waxa uu been. Waxa uu markaas i soo wareegto on line ugu dhibcaha qiimo ah buunbuuniyo ah “joogto ah” xubin (haa, waxa uu ahaa dhab ahaan ka badan xitaa xubin joogto ah in lagu qarash gareeyo), ending up about 4 iyo 5 jeer sida ugu badan ee xubin ka koboca ku salaysan ee.

Epiphanies

Some time in 2011 Waxaan ugu dambeyntii wisened ilaa kharashka aan filanayay in laga bixinta ahaa. Discovery hubiyo in aan noqon doono mid aad u faraxsan oo ku saabsan Buuqa this waxaan ahay. Waxaan la hadlay tababaraha ugu jimicsiga, oo waxaa la ii xaqiijiyay in heshiiska oo dhan waa la burburinayaa lahaa. Waxaan ka mid rabshadaha aan ahay … haddii ay Isboortiga … in Octagon ah … laakiin ka dib markii aan booqashada 5aad Maareeyaha si aad u weydiiso sababta Amarka Debit ah ayaa weli ka dhacaya, waxa uu ii sheegay inuu la yaabay aanan keenay hub ila soo booqato. Ka dib markii a booqashooyin dheeraad ah oo yar, Maareeyaha ayaa dhab ahaan ka tagay Planet Fitness oo ii sharxay in “heshiis” was between myself and Head Office and that the local gym, muuqata howlgal taaso-style ah, yar si ay u lahayn oo ku saabsan in ama aan u la tirtiri laga yaabaa. Haddii Head Office ayaa sheegay inaysan jirin, nasiib adag.

By this point I’d lost it. I had my bank put a joojiyo amarrada debit ah. 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 “celiso” the blocking adeegga. Anigu ma caawin karo, laakiin qabaa nidaamka banki taageertaa tibaaxaha joogto ah laakiin shaqaalaha daruuri ma aha in la ogaado sida loo isticmaalo.

Technically I’m still waiting on the CCC to get back to me (Marnaba ma aysan dhicin – iyo dabcan ay dib-u-abaabulan sida kor ku xusan si kiiska ay u badan tahay iyada oo dildilaaca ku dhacay). Dabcan, by dhibic in PF ayaa sidoo kale doonayay in uu ii madow maxaa yeelay, ma bixinta!

Hero lama filaanka

Xusuuso A qasay.Shacabka uu arinka ka qabo Discovery (Waxaan qabaa inaan u yeedhay oo ku saabsan booqashada dhakhtarka ilkaha) keentay in callback ah mid ka mid ah Discovery ee wakiilada. Kadibna waxay i weydiiyay in lagu qeexo dhibaatada, si faahfaahsan oo qoraal ah, inay si fiican u sharax ka aragti wixii dhacay. Waxaan ku waajib ah. Waxaa soo baxday waan ku qummanaa ayuu iyaga ku saabsan oo aan “aad u faraxsan” ku saabsan. Dhab ahaantii ay run ahaantii ma jeclaan. About three weeks later, Planet Fitness ii soo celin in FULL ee dhammaan lacagaha in weli la bixiyo iyaga.

Discovery waa 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”) iyo, 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” iyo, 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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