@jep,
Has ur friend received the Service Card and has he been billed for it?!

Nope..but i'm worried and angry as she hung up on me n saying that they'll charge it anyway..

@jep,
Unless you're able to contact them [did U even get the co name?!] I don't think there's anything U can do.

Well there's still hope. The contract would require a documented proof that the buyer agrees to the purchase and in this case a signature or a verbal capture (e.g Voice Logger) to say that he said yes to it. If you initiate a transaction dispute with bank, the bank will ask for all this from the merchant and of course the merchant is unable to furnish them in this case.

I think there's a good chance for the case to be won by the card holder but I don't think that merchant will dare to do so in the first place. You see there's a hefty penalty (thousands of bucks) that can be imposed onto the merchant if proven such a fraudulent attempt has occurred.

@hye,
I think U forgot to mention the 'illegal' part hence there is just more than the hefty penalty.

I just can't believe that they would do such a thing..nowadays everybody will do anything for money..and that's scary

@jep,
Just need to becareful. Also, don't trust others with your CC details. Transactions can't be done without the CCV code.

@tinkerbel
Yeah ... you are right. Forgot to use that word. And I think you meant CVV ?

@hye,
Er.. Yeah.. CVV it is *grins* Ah well.. ain't too familiar with these CVV or CCV stuff

It's either called as CVV or CVC code.

@jep
I get these phone calls all the time and this has been going on for months if not years. Just be smart to handle these guys anod not to be afraid to brush them off if needs to be.

@hye,
Yeah but there is nothing U can do if the fella hangs up on U right?

thanks guys...hopefully nothing will happen...as i specifically say NO..

Edited: Anothing thing guys...say that i bought something on installment (ezy payment)..can i like lump sum the payment on the 6th payment or so?

This post has been edited by jep: Aug 11 2008, 01:08 PM

@jep,
You can but there will be additional bank charges incurred; read the T&C properly.

Like tinkerbel says, it depends on the bank's T&C. Citibank imposes a RM30 cancellation fee. MBB is OK with it but you have to inform them and justify. Not sure about the rest though.

@hye,
Yeah I was going through the T&C at one point and realised the additional fees - I thought it was pretty stupid but looking at it from the banks' perspective; I guess the 1 main reason they keep you on those interest free plans is just so they can keep U as a member; with that there's a higher possibility of using their card

nope. i can not access from my house desktop, my office PC and my lappie as well...

it's the Internet Banking People. OMG... i forget to call them today... need to call them by 5pm... see when boss not around only call....

@vin_ann,
Unless it's a technical issue the usual CS rep should be able to answer ur calls. I once had problems logging on and when I called to check the problem, I was told my CC status was 'cancelled' hence by default my Online Banking account too was suspended.

for the easy payment plan, if anyone wish to pay lump sum of the balance available, write in to the bank and fax over and bank will call you to verify the termination of instalment. Tried on few bank already. But i never get any penalty la.haha. Depend on your negotiation skill on da phone.

@ Tinkerbel

it's solved. the CS is went through with me. Basically what she want me to do is just click " i forget my i-pin" and "i forget my username".

after perform these 2 steps i can login again.

sigh... now having loading problems pulak... paying my bill... after clicked, until now still not yet finished loading. While im waiting for the loading, i have logined my Public bank, paid my car loan, checked my balance and logined out.

i thinks even after i type this, it still not yet finished loading. dun know my transaction is made through o not. btw, my connection is in Good condition.

This post has been edited by vin_ann: Aug 11 2008, 07:39 PM