Posts by Jo S
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But this penalty arose from an automatic payment timing changing, not through my doing. I was within my limit, and then the rates went out early for reasons that I don't understand, and I'm $20 dollars over, plus another $20 for the fine.
OK that's one you really need to bring up with the bank - if they changed the timing and didn't notify you. However if it was a direct debit (where the council or whoever takes the money out as they want it (dd) rather than you setting up a regular payment to go out and you have the control (ap)) the people who you've signed the direct debit with may need to deal with it. The problem with direct debits (insurance companies want you to do them all the time) is that you effectively give up control and have to deal with whatever they want to take out of your account. You may be well out of luck depending on what the fine print on the direct debit form said.
Just to mention though - if you think you are getting strange answers from someone in a bank (and the rules vary between banks as well) don't be afraid to go somewhere else and ask again. Much as customer service are supposed to provide what they are named for, some of the people involved will say "we can't do that" when they can't be bothered.
I have run up against that myself when going in to change accounts etc. Easier to see the humour though, when you can say "well, actually I work for this bank too and I know you _can_ do that"
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OK I'm gonna take that semi seriously and answer so please ignore the following if irrelevant :)
Umm, well one problem is that it costs you about $20 bucks to have an automatic payment bounce anyway (the money tries to go out automatically and fails) or it used to - similar amount as having a cheque bounce.
Now as I understand it (Although I could be wrong) the old clunky systems for ATMs can only tell what money you currently have in the account as of the final balance of the day before and subtract money from that (or at least that was how they worked a few years ago). They can generally tell if you have taken out other ATM withdrawals. If you have been making eftpos payments on the same day, they always don't go through immediately (sometimes dependent on the retailer). These systems check the same overnight balance the ATM does but because the two systems aren't run by the same people, they don't always talk to one another very well. So if you are taking money out on the same day using both systems it can sometimes have trouble keeping track until the all the transactions are submitted to the bank. As a side comment, this is also one of the reasons why there are limits to the amounts you can take out on eftpos or ATM, apart from security (if someone has nicked your card and somehow got your money).
Another point is that they do actually kind of expect people to know what they are spending and take some responsibility for keeping track. No offense intended.
Anyone feel free to correct me if I'm wrong, this info could be quite out of date as it's been some time since I worked in a bank.
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I am kind of interested in what their measures of "evenness" are.
Do they use lots of different factors or just how close the points table is?
Will have to go check out the paper in Jan. -
I'm so glad I don't work in customer service at the bank anymore, especially not over the crazy December season. It's not much fun having people come in and yell at you because they've spent all the money in their cheque account and can't get any more out of the money machine. "But now I can't buy presents for my kids!! Why did the machine let me take out the last $50? Now you've ruined our Christmas!!"
People aren't very rational at this time of the year, but don't seem to understand that yelling abuse at customer service people isn't going to help.
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A question (or two) on the new strips.
So did the Super 14 organisers actually put any serious limits on the home and away jersies?
It would be useful if they had actually said something like "home strip Light, away strip dark" and enforced it.
How much say do they actually get?
How much imput do the relevant super 14 franchise have?
Do the super 14 folks have to OK the strips or not?jus wonderin.
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I'm quite glad there were about three replays of the league on over the weekend. I'd decided that the game would be too depressing to watch live. More fool me.
I don't know what it is about the cricket. I let the smallest glimmers of good play get my hopes up for a test win and then get horribly depressed after we lose. Sigh.
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Guilty as charged your honour.
Waikato Stadium: The only place in the world where "more cowbell" is a legitimate command and not a reference to an SNL sketch...My partner won't let me buy a cowbell. :(
Of course he's of the opinion that I'd end up taking it to the cricket, the netball and possibly to work... can't say that he is definitively wrong
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I really enjoy Neal Stephenson - I thought Cryptonomicon was great, the Diamond Age was OK, but I am about half way through Quicksilver, but having to havbe a wee rest and read other stuff while my brain recovers.
The Night's Dawn trilogy makes great Sci-Fi reading, but I'm not as obsessed as my boyfriend who re-reads them on a semi-regular basis.
One of the books I've never managed to make it through is Gormenghast. I've tried several times and only get about 50 pages in. It's like wading through wet concrete. Very pretty wet concrete, but still ....
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Tottenham - remove all sharp objects
I think it may be unbearably tragic, how excited I became watching them actually beat Bolton ....
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When did women start reading the sports section in large numbers? ;)
Dude. <grin>
The only reason it isn't the section I read first is that my boyfriend has longer arms than I do ....