Bankwest Transaction account [General Discussion]

N860CR said:
How did you guys establish your account was "blacklisted" as such?

I couldn't put through online transactions when the bill was due this month and had a cough over online chat however they just applied a credit for the bill amount.

I've set my direct debit back up... Just want to make sure it'll actually work! All looks to be in order online.
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Whenever we attempt to pay online (any amount), the error screen shows "The Amount you have entered exceeds the maximum amount accepted by Optus".
I should try to get my bill amount credited... although, I can pay via bpay.
 
benjy said:
Whenever we attempt to pay online (any amount), the error screen shows "The Amount you have entered exceeds the maximum amount accepted by Optus".
I should try to get my bill amount credited... although, I can pay via bpay.
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Hmm. Same error I got. Have you tried setting a direct debit back up?
 
N860CR said:
Hmm. Same error I got. Have you tried setting a direct debit back up?
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I have never paid via direct debit and don't want to, before bankwest I paid fortnightly via bPay, so as of next week I'm going back to paying via bPay, bankwest account is getting closed.
 
Fair enough. I'll be curious to see if it attempts to direct debit off my Amex and then refuses it to itself.
 
I wouldn't ruin your credit rating over it. I'm not sure if the TIO would really do anything about it since other payment types are still accepted (unless CC payments are explicitly mentioned on the contract, in that case it would be a breach of contract)?

On another note, if you weren't happy with Optus and want an excuse to break the contract early without penalty, this is your chance.
 
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Cephalopod said:
They will cancel the standard eventually.

I've got two accounts and have been using the three cards (2 normal, 1 platinum) half this month. Just got another platinum now so 200 transactions per day for a theoretical 1000 points a day.

They did accidentally remove my QFF number from both of my accounts for most of the month so I am not sure what will occur there. I won't chase missed points as long as next month is fine for risk of them doing something about it.
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I tried applying for a second Qantas transaction account but it was denied since I already had one open. There is a clause in the online application process saying that you're only limited to the one account. Was your account approved in error by the bank?

Maybe I can try and open a second at one of their shop fronts.
 
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I never pay early or fortnightly, I pay by phone usually on the night it's actually due.

Exception: BW 1c payments!
 
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umzinator said:
Did they unblock your account after you advised them you were gonna take them to the TIO? As i am in the same boat with my account blacklisted
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She back peddled quick and lost some of her attitude and advised she would have to contact the "fraud" section to discuss and she would call me back monday.

To those with the error - yes this means you can't even pay the bill they send you via credit card. And yes I never direct debit anything as I am all about points and churning cards.

Will update on monday if I get anywhere otherwise I will go chat to the ombudsman
 
rocket256 said:
I tried applying for a second Qantas transaction account but it was denied since I already had one open. There is a clause in the online application process saying that you're only limited to the one account. Was your account approved in error by the bank?

Maybe I can try and open a second at one of their shop fronts.
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I believe so, I opened my second one very soon after my first and I guess they had not defined the procedure properly yet - the opening procedure didn't even have that question when I grabbed my second.
 
rocket256 said:
I wouldn't ruin your credit rating over it. I'm not sure if the TIO would really do anything about it since other payment types are still accepted (unless CC payments are explicitly mentioned on the contract, in that case it would be a breach of contract)?

On another note, if you weren't happy with Optus and want an excuse to break the contract early without penalty, this is your chance.
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It usually comes down to whether the T&C explicitly state they can remove a payment option as opposed to specifically stating you can.

Not many people complain about it when they get restricted so they continue to do it.
 
deejo77 said:
She back peddled quick and lost some of her attitude and advised she would have to contact the "fraud" section to discuss and she would call me back monday.

To those with the error - yes this means you can't even pay the bill they send you via credit card. And yes I never direct debit anything as I am all about points and churning cards.

Will update on monday if I get anywhere otherwise I will go chat to the ombudsman
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Thanks. I meant direct debit via credit card, so although it's setup I'm guessing it will decline.

Interesting as I only did maybe 10 transactions and have not received one phonecall from optus at all.
 
Ok Apple called me back - they are refusing to take the account off the blacklist and it will never be allowed to make payments via online credit card again.

Again requested the reasons for such a decision being made to be put into writing for me to review but again told that someone from the CRG section will call me to discuss.

Rang the Ombudsman - poor guy "D" had to take my complaint - he wanted to know when I first started making payments of 0.01 and when they where stopped online - it was approximately 9 July to 13 Aug for me. He asked what outcome would I like - I explained I just want the account to be unblocked so I can make payments via credit card as the other options available did not suit my circumstances. He did not ask why I was making 0.01 payments but the reason he would be escalating it to optus is that they appear to have changed the terms and conditions of my contract with them without notification and as such they are breaching something or other. He advised they have 10 business days to respond to the ombudsman.

Apple advised I could pay in store - thinking of taking the afternoon off work - they have EFTPOS at the shops and I know the staff member will be super excited when I advise I want to make payment at 0.01 per transation up to my 50.
 
Optus have done a horrible job managing this. If the 1c payments really offended them, all they needed to do was stick a captcha on the payment screen. Actually i better not give them ideas :oops:
 
rocket256 said:
Optus have done a horrible job managing this. If the 1c payments really offended them, all they needed to do was stick a captcha on the payment screen. Actually i better not give them ideas :oops:
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If they had rang me and said they were going to block all payments to my account via credit card if I didn't stop I would of just moved on to telstra earlier.......they didn't have to waste so much of their time (I am ok with wasting mine when I am pissed off enough)
 

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