Beware Capitec Card Agreement

[MrR]

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.

You phoning someone's direct line or reception?

 

[ToxicBunny]

Strange... I just got straight through no problem.

 

[MrR]

Strange I got through to someone.

Strange... I just got straight through no problem.

Direct line, reception or call center?

 

[ToxicBunny]

Direct line, reception or call center?

Reception and Call Centre

 

[technofool]

You phoning someone's direct line or reception?

You got me, I was dialing direct so that only shows that the person I tried was out of office. Mea Culpa I did take a low blow with that comment.

Interesting point, the person I was calling was voted 2nd Best Call Center Supervisor in the World and Best in EMEA in 2008. (Linked In Profile)

 

[Rocket-Boy]

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?

I think you are argumentative just for the sake of it.
Your card, in your possession, how is the bank supposed to be responsible for it?

It sounds like you want someone to tell the you big bad banks are really trying to screw you and that you have uncovered their cleverly disguised ploy.
Or do you prefer that the bank holds your hand and tells you that no matter what happens they will give you your money back if something happens?

 

[Lino]

Reception and Call Centre

Same Here.

 

[MrR]

You got me, I was dialing direct so that only shows that the person I tried was out of office. Mea Culpa I did take a low blow with that comment.

Interesting point, the person I was calling was voted 2nd Best Call Center Supervisor in the World and Best in EMEA in 2008. (Linked In Profile)

Wasn't trying to catch you out, but you are trying to put them in a bad light with such comments. Whilst I understand your frustrations, deliberately defaming them may sabotage you more.

Edit/Comment Add:
I kinda lost the plot between the threads and it being a Friday afternoon. What are we debating/solving/discussing?

 

[technofool]

Wasn't trying to catch you out, but you are trying to put them in a bad light with such comments. Whilst I understand your frustrations, deliberately defaming them may sabotage you more.

Which is exactly why I apologised. Your question was dead on the money though.

 

[Thor]

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.

I got through.

 

[technofool]

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?

Another great reply each sentence deserves a response:

I’m a tad concerned as to why there were comments to take your business elsewhere if you don’t want to sign.

No business wants a customer that is "difficult", they would much rather have muppet customers that sign everything, shut up and pay their fees. Best customers in the world.
We have the wonderful Consumer Protection Act that allows customers to be a little difficult and the companies cannot just boot us into touch as they would love to do. Companies have to pretend to care a little bit before they boot us into touch
The muppet customers are telling me to take my business elsewhere because they believe that being a muppet customer is the best way to go.

Is it acceptable for companies to set conditions that protect them and throw the client to the wolves?

"Acceptable" is key here, if whatever they do is accepted by us then we make it acceptable. Sometimes we make it acceptable because we have very little other choice. Right now I still have no access to my money and I have to sign some bank contract if I ever want to access my money again.

If clients feel that they are being mistreated should they not have the right to challenge the company?

Clients can challenge all they like but if the balance of power is with the company, the company will call all the shots. We need to understand where customer power comes from and use it wisely otherwise we become just as powerless as the muppets.

 

[technofool]

Edit/Comment Add:
I kinda lost the plot between the threads and it being a Friday afternoon. What are we debating/solving/discussing?

With the troll boys trying to rock the boat, it turns into a fast moving target and you can fire on anything that pops up long enough for you to get a shot off.

 

[ZCFOutkast]

technofool, are you a cousin or brother or related to ZCFOutkast?

I take it the last part of his name (fool) makes the relation rather obvious doesn;t it.

In all cases I've read or see, clients have been paid back if they can prove that theft has taken place.

I go into the bank and lie to them that a person has accessed, copy, clone, swipe, swap, etc. my card. I want my money back now.

On a separate note I do/used to bank with Capitec .. party ... and I have been a victim where my card was used at an ATM that was tens of kilometers away while I was fast asleep and they declined to refund. Funds lost we decent but weren't worth my effort to chase after them. Would be interesting to read links of those who were paid back, an dI love to here how your "aggressive" methods above have worked out for you in the past.