July 18, 2010 at 07:39Two stories about bank cards
Now I have two cars. Two only for the reason that the process of repairing a car at the expense of an insurance company is not the greatest pleasure for an insurance company. Probably even the biggest displeasure, since the contract states that the term for consideration of the application in the CASCO case is twenty working days from the date of filing the last document.
Just hearing this, I realized that you need to get out: you need to carry the goods, the goods often weigh a lot. So I bought an old Volkswagen Golf - for one and a half thousand dead raccoons. The second car. I got out.
But the story took on another shade when I requested to reimburse me for the evacuation of the car from the accident site - more than 400 kilometers from Moscow. True, not the entire amount, but only part of it - in the amount established by the contract. Well, let it be, I thought, and agreed to part of the amount. The manager pulled another sheet of paper from the printer. It turned out that it was necessary to fill out a questionnaire from a bunch of points for issuing a bank card.
Then I thought: what will happen next?
Let’s say I’ll waste time now, fill out this form. Somewhere in the shadow of the questionnaire is an agreement with a bank in which anything can be written. And this “anything” can then emerge and emerge at the wrong time. Plus, for sure, the bank will demand in one way or another a percentage for cashing the amount.
In general, I said that I want cash. Then another piece of paper appeared. This time under the heading "Statement." Application for cash withdrawal. I also refused to fill it out, already a little stunned by what was happening. Like, to get money is my right. Insurance is obliged to satisfy my right. Moreover, the insurance does not have the right to oblige me to contact unnecessary organizations, be it banks or anyone else. And since the contract does not state that I must fill out an application, I won’t. “As you want, but you must give me the money, but how is your business.”
Another manager emerged from the bowels of the office and began not in the most polite way to scam me that I didn’t take a bank card, I was causing a lot of problems, and it was established by law that I should take a card. “Show me such a law,” I said. “Then I will.” There was no law at hand, and I went home.
Two weeks later, they called me and said that I could drive up and collect the money. Since in any case I had to go in that direction, I agreed and took the money. I’m still wondering what would happen if I rested and demanded to deliver money to me at a convenient time for me?
And in the evening I remembered another story. This time related to salary.
A few years ago I worked at the institute as a half-time teacher. He conducted higher mathematics and received small, but nevertheless money at the cash desk of the institute. Suddenly, something at the top tensed, scratched itself and decided to introduce “salary cards”.
Cards were issued to everyone, promising a zero percentage when receiving money. A month passed, the salary was credited to the card. I went to the ATM, inserted a card and looked at the amount. He took off a couple of thousand, then again looked at the amount, on the check, again at the amount. Like a bull on a red rag.
It was easy for me to calculate in my mind that the numbers did not add up. However, on the check issued by the "smart machine" was written "Percentage: 0".
I went to the bank, expressed dissatisfaction, made a statement, set out a demand to return what was taken dishonestly, then another statement - that I refuse the card.
As soon as half an hour later I returned to the pulpit, a delegate from a higher staff rode up. He said that he was thinking about me. I, who had nothing to lose too much, politely expressed my desire once again to receive an envelope with my name on it as before.
At the evening gathering of the department with teas and bagels, he told the story to the rest of the teachers. Those, too, are not worn and are more familiar with mathematics than mine — they made a noise.
A month later, familiar envelopes were already issued at the box office - the rank and without any commission.
And so, I think, why do we need these cards at all? When you go, say, abroad, it is, of course, convenient to have a card. But not instead of cash, but in addition to it. As the equivalent of a traveler’s check or a rainy day hitch. But why do I need cards in the situations I have indicated? Is it possible that on our money, transferring them from real to virtual state, someone could profit.
Just hearing this, I realized that you need to get out: you need to carry the goods, the goods often weigh a lot. So I bought an old Volkswagen Golf - for one and a half thousand dead raccoons. The second car. I got out.
But the story took on another shade when I requested to reimburse me for the evacuation of the car from the accident site - more than 400 kilometers from Moscow. True, not the entire amount, but only part of it - in the amount established by the contract. Well, let it be, I thought, and agreed to part of the amount. The manager pulled another sheet of paper from the printer. It turned out that it was necessary to fill out a questionnaire from a bunch of points for issuing a bank card.
Then I thought: what will happen next?
Let’s say I’ll waste time now, fill out this form. Somewhere in the shadow of the questionnaire is an agreement with a bank in which anything can be written. And this “anything” can then emerge and emerge at the wrong time. Plus, for sure, the bank will demand in one way or another a percentage for cashing the amount.
In general, I said that I want cash. Then another piece of paper appeared. This time under the heading "Statement." Application for cash withdrawal. I also refused to fill it out, already a little stunned by what was happening. Like, to get money is my right. Insurance is obliged to satisfy my right. Moreover, the insurance does not have the right to oblige me to contact unnecessary organizations, be it banks or anyone else. And since the contract does not state that I must fill out an application, I won’t. “As you want, but you must give me the money, but how is your business.”
Another manager emerged from the bowels of the office and began not in the most polite way to scam me that I didn’t take a bank card, I was causing a lot of problems, and it was established by law that I should take a card. “Show me such a law,” I said. “Then I will.” There was no law at hand, and I went home.
Two weeks later, they called me and said that I could drive up and collect the money. Since in any case I had to go in that direction, I agreed and took the money. I’m still wondering what would happen if I rested and demanded to deliver money to me at a convenient time for me?
And in the evening I remembered another story. This time related to salary.
A few years ago I worked at the institute as a half-time teacher. He conducted higher mathematics and received small, but nevertheless money at the cash desk of the institute. Suddenly, something at the top tensed, scratched itself and decided to introduce “salary cards”.
Cards were issued to everyone, promising a zero percentage when receiving money. A month passed, the salary was credited to the card. I went to the ATM, inserted a card and looked at the amount. He took off a couple of thousand, then again looked at the amount, on the check, again at the amount. Like a bull on a red rag.
It was easy for me to calculate in my mind that the numbers did not add up. However, on the check issued by the "smart machine" was written "Percentage: 0".
I went to the bank, expressed dissatisfaction, made a statement, set out a demand to return what was taken dishonestly, then another statement - that I refuse the card.
As soon as half an hour later I returned to the pulpit, a delegate from a higher staff rode up. He said that he was thinking about me. I, who had nothing to lose too much, politely expressed my desire once again to receive an envelope with my name on it as before.
At the evening gathering of the department with teas and bagels, he told the story to the rest of the teachers. Those, too, are not worn and are more familiar with mathematics than mine — they made a noise.
A month later, familiar envelopes were already issued at the box office - the rank and without any commission.
And so, I think, why do we need these cards at all? When you go, say, abroad, it is, of course, convenient to have a card. But not instead of cash, but in addition to it. As the equivalent of a traveler’s check or a rainy day hitch. But why do I need cards in the situations I have indicated? Is it possible that on our money, transferring them from real to virtual state, someone could profit.