Tag-Archive for » banking «

Thursday, September 17th, 2015 | Author:

Privacy, Time, Money

Hindi ko gusto ang mga debit order. Hindi ko na nagustuhan mo ang ideya na entity isa pang, sa kalooban, halos anumang halaga ng aking pera (mahusay … ang kahit anong magagamit). Kasamahan Isang tulis ang isyu sa MTN sana ay naiwasan ay ko ginagamit ng awtorisasyon sa pag-order. Siguro ang “kaginhawahan” kadahilanan ay hindi tulad ng isang masamang bagay.

Ipagpalagay ko ang una sa huli tanong dito ay kung gusto o ayaw mo sa kaginhawahan at maaaring pinagkakatiwalaan institusyon (sa kasong ito sa iyong pera) – o kung hindi mo pinagkakatiwalaan ang mga ito at nais na tigilan na kaginhawahan. Sa aking kaso, kahit tanong ko pa rin sa kaginhawahan, Natutunan ko na ang mahirap na paraan sa MTN na ito doble maaaring maging mahirap na magkaroon ng nabawasan ang iyong nakakonektang mundo sa “remote na isla” katayuan. Halos lahat ng tao ngayon napupunta sa kaginhawahan kadahilanan.

Convenience

Sa kabilang dako, ngayon ng isang mahabang oras ang nakalipas, I had a dispute with Planet Fitness kung saan convenience ay isang may dalawang talim tabak. Iniulat ko ang kanilang mga kasanayan sa negosyo sa Reklamo Consumer Commission (dahil muling isinaayos bilang ang 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.

Ako ay Sigla Discovery miyembro na nagbibigay ng maraming mga benepisyo, kabilang ang nabawasan rate sa Premium tatak – halos health-kaugnay ng mga kurso, as Discovery is a Medical Aid/Health Insurance provider. Upang ilagay ito lamang, Discovery ay kahanga-hangang. Benepisyo sigla masakop ang pagiging miyembro ng gym kung saan karagdagang kasama ang Planet Fitness. You still have to pay something, isang maliit na token ng mga uri, sa Discovery, para sa gym ng pagiging miyembro. Pero, sa wakas, GUSTO nila ako sa malusog, so they don’t mind footing the bulk of the bill. Pero, sa malas, ito ay nangangahulugan ng Planet Fitness’ benta ahente hindi makuha ang komisyon!

Kaya kung ano ang resultang ito sa? Ang resulta ay na benta ahente pf ibinigay sa akin ng isang napalaki na numero para sa isang “Sigla-batay” pagsapi. Siya lied. Siya pagkatapos ay ako mag-sign sa guhit na may tuldok para sa isang napalaki presyo ng isang “regular” pagsapi (oo, ito ay tunay na higit sa kahit na isang regular kasapi ay magkakaroon ng gastos), ending up about 4 at 5 beses ng mas maraming bilang ng mga kasapi ng sigla-based.

Epiphanies

Some time in 2011 Ko sa wakas wisened hanggang sa gastos ko ay dapat na nagbabayad. Discovery Ako bang hindi masyadong masaya tungkol sa ganap na kabiguan. Nagsalita ako sa ang Manager sa gym, at ako ay panatag na ang buong kontrata ay scrap mo si. Hindi ako isa para sa karahasan … maliban kung nito para sa sport … sa isang may walong sulok … ngunit pagkatapos ng aking 5th pagbisita sa Manager upang magtanong kung bakit ang Debit Order ay pa rin nangyayari, sinabi niya sa akin siya ay nagulat hindi ako ay dinala armas sa akin para sa pagbisita. Pagkatapos ng ilang higit pang mga pagbisita, ang Manager ay talagang kaliwa Planet Fitness at ipinaliwanag sa akin na ang mga “kontrata” was between myself and Head Office and that the local gym, Lumilitaw na operasyon ng franchise-style, nagkaroon ng maliit na walang sinasabi tungkol sa kung o hindi ito ay maaaring kinansela. Kung sinabi Head Office no, matigas luck.

By this point I’d lost it. I had my bank put a itigil sa mga order 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 “ibalik sa dating kalagayan” the blocking serbisyo. Hindi ko maaaring makatulong ngunit sa tingin sumusuporta sa mga sistema ng pagbabangko mga regular na expression ngunit ang mga tauhan ay hindi kinakailangang malaman kung paano gamitin ito.

Technically I’m still waiting on the CCC to get back to me (hindi nangyari – at siyempre sila ay muling isinaayos tulad ng nabanggit sa itaas upang ang kaso ay malamang na nahulog sa pamamagitan ng bitak). Oo naman, sa pamamagitan ng punto na nais din PF sa blacklist sa akin para sa hindi nagbabayad!

Ang Hindi inaasahang Hero

Isang walang tuos banggitin ng mga isyu sa Discovery (Sa tingin ko ay tumawag ako sa kanila tungkol sa isang dentista pagbisita) nagresulta sa isang callback pamamagitan ng isa sa mga ahente Discovery ni. Pagkatapos ay tinanong nila sa akin upang ilarawan ang problema, sa detalye at sa pamamagitan ng sulat, upang mas mahusay na ipaliwanag mula sa aking pananaw kung ano ang tunay na nangyari. Ako nagpapasalamat. Ito ay lumiliko out ako ay karapatan tungkol sa mga ito ng hindi pagiging “masyadong masaya” tungkol sa mga ito. Sa katunayan sila talaga ay hindi tulad nito. About three weeks later, Refund Planet Fitness akin sa FULL para sa lahat ng mga pera na ay kailanman ay binayaran sa kanila.

Discovery ay Galing. 🙂

magbahagi
Monday, April 20th, 2009 | Author:

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

magbahagi
Sunday, April 19th, 2009 | Author:

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

Oo, 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” at, 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.

magbahagi