Beware Capitec Card Agreement

technofool said:
That is the whole reason for my complaints, to change this contract to...
Click to expand...

You got the wrong account with Capitec son, I can move my money away from them any time I like.

What you don't realise is that most of us know someone like you in real life. Constantly got the tinfoil hat on, refuses to be a part of the "system" and in general just an annoying know-it-all, and that while they usually don't have a stable day job. So they contribute very little, but moan about everything.

And the people I know who are like that had more than one opportunity to *not* turn out this way, but they thought they were meant for more than just an average career, and went in search of something extraordinary only to fail.

So while word for word according the paperwork we signed, most institutions can legally take everything away from us overnight, I just hate this stupid sentiment you're spouting and I ignore any merits your rant might or might not have.

There are still good people working in banks !

Grin and bear it sucker.
 
So you got embarrassed at a store for not checking if your card was still active or not, get over yourself. The banks T & C and rules are there to protect themselves yes, but to protect the client as well.

Not everyone is out to get you dude!!

technofool said:
1. Your card is in your care therefore you are responsible to use it in the way the bank tells you to use it. If it still gets skimmed/duplicated/stolen then it is the banks problem.
2. The rules are there to limit the banks liability and exposure to fraud not the client's.

There fixed it for you. What does it feel like to be schooled by someone you think is high?
Click to expand...

Bolded part: No just no, if you are incapable of keeping your property save that’s your problem. Yes the card is your property as you paid for it.

Grow up and move on!
 
whatnot said:
... I ignore any merits your rant might or might not have.
Click to expand...

I'm not sure that is good advice to live life by, but hey it's your life. You may sign whatever you like and be held to the legalities involved. Good Luck.
 
CL-West said:
and you got this info where?
Click to expand...

From the 5 page Capitec agreement called "Debit MasterCard Agreement" (no date, no version)

It is the agreement every Capitec customer must sign if they want a Capitec card.
 
technofool said:
From the 5 page Capitec agreement called "Debit MasterCard Agreement" (no date, no version)

It is the agreement every Capitec customer must sign if they want a Capitec card.
Click to expand...

Found it and read it, turns out you are right on the property part. It is still no reason for the bank to have to pay you back if it is stolen while in your posession.

Master Card.PNG

Have a look at 5.7 there in response to your card expiring...
 
whatnot said:
And the people I know who are like that had more than one opportunity to *not* turn out this way, but they thought they were meant for more than just an average career, and went in search of something extraordinary only to fail.
Click to expand...

It almost sounds like you think,
It is better to fail to try than to try and fail.

I believe,
It is better to try and fail than to fail to try.

But hey it is your life you may live it as you see fit.
 
CL-West said:
Found it and read it, turns out you are right on the property part. It is still no reason for the bank to have to pay you back if it is stolen while in your posession.

View attachment 183602

Have a look at 5.7 there in response to your card expiring...
Click to expand...

Thank you for that, you have just gone a mile further than most of the others who get no further than paragraph 1 where my card expired.
 
technofool said:
Do you think they are also laughing at the 100's of comments and 1000's of views of my threads?
Do you think they like the idea that some customers might now waste conslutant's time while they read through 5 pages of Capitec fine print before they sign a dodgy agreement?
Click to expand...

You seem to think they care....

The consultants are front line cheap staff, so if they're tied up for a period while you read a contract, that has been factored into their productivity expectations.
 
Looking at the paragraphs the OP quoted it does paint a bleak picture.
I’m a tad concerned as to why there were comments to take your business elsewhere if you don’t want to sign.
Is it acceptable for companies to set conditions that protect them and throw the client to the wolves?
If clients feel that they are being mistreated should they not have the right to challenge the company?
 
LaraC said:
Looking at the paragraphs the OP quoted it does paint a bleak picture.
I’m a tad concerned as to why there were comments to take your business elsewhere if you don’t want to sign.
Is it acceptable for companies to set conditions that protect them and throw the client to the wolves?
If clients feel that they are being mistreated should they not have the right to challenge the company?
Click to expand...

They have every right to challenge the company, but don't expect the company to give a toss when all the competitors do EXACTLY the same thing.
 
ToxicBunny said:
They have every right to challenge the company, but don't expect the company to give a toss when all the competitors do EXACTLY the same thing.
Click to expand...

So Bunny why is Capitec offering me financial compensation?
 
ToxicBunny said:
They have every right to challenge the company, but don't expect the company to give a toss when all the competitors do EXACTLY the same thing.
Click to expand...
Would that not amount to unfair business practices similar to price fixing?
 
LaraC said:
Would that not amount to unfair business practices similar to price fixing?
Click to expand...

Nope... Its all independent.. its not like they get together and go "How can we fsck over the client"...
 
LaraC said:
Looking at the paragraphs the OP quoted it does paint a bleak picture.
I’m a tad concerned as to why there were comments to take your business elsewhere if you don’t want to sign.
Is it acceptable for companies to set conditions that protect them and throw the client to the wolves?
If clients feel that they are being mistreated should they not have the right to challenge the company?
Click to expand...

Pretty much this:

ToxicBunny said:
They have every right to challenge the company, but don't expect the company to give a toss when all the competitors do EXACTLY the same thing.
Click to expand...

Most large financial institutions work on that principle. "You don't like our terms and conditions, you can go look for it elsewhere." Ever read your short insurance terms and conditions? What about medical aid? Don't agree with it? Tried to argue and get it changed? What about iTunes T's & C's; have you read that and clicked on the I disagree (CANCEL) button? Overall, when a business is in a position of power and you need them, there's very little that you can do to change that agreement.

If you really have all the time and energy in the world and want to make a huge fuss and see no to little results, lodge a complain with the banking ombudsman.
 
3:20 pm on a Friday afternoon in Stellenbosch and nobody answers the Capitec Head Office phone. Maybe the Gautengers are right we are too lazy in the Cape.
 
technofool said:
3:20 pm on a Friday afternoon in Stellenbosch and nobody answers the Capitec Head Office phone. Maybe the Gautengers are right we are too lazy in the Cape.
Click to expand...

Strange I got through to someone.
 
You must log in or register to reply here.
Back
Top
Sign up to the MyBroadband newsletter
X