Bankwest Transaction account [General Discussion]

[coles525]

In online news, instead of recieving exactly 30k in points this rnd, we recieved nearly 2000 qff extra between us. Late payments that finally were transferred? don't know, dont care!

 

[Rick93]

It's not a matter of 'insane' behaviour ...

I wasn't up on the IT tech, to know how to use the technology for online transactions.

Another way of putting it ...

I'm the 'blue collar criminal', and others are 'white collar criminals'. Guess who gets away with their 'crimes' ??

 

[burmans]

Bankwest Transaction account 10K QFF promo [expired Oct 31, 2014]

It's not a matter of 'insane' behaviour ...

I wasn't up on the IT tech, to know how to use the technology for online transactions.

Another way of putting it ...

I'm the 'blue collar criminal', and others are 'white collar criminals'. Guess who gets away with their 'crimes' ??

Really you need to get over it! We all know how you abused it, you boasted about it here repeatedly, and now you wonder why you were targeted? Well, we've all worked it out, if you havent by now you probably never will.

PS. How are FOS these days or are they ignoring you too.

 

[Rick93]

I think YOU know exactly what's happening in my case, don't you ....

 

[TomVexille]

I think YOU know exactly what's happening in my case, don't you ....

Oh that's right, burmans was planted here by BW 9 years ago. Please excuse me while I ROFL

 

[burmans]

Paranoia does strange things to people!!

 

[NoName]

In online news, instead of recieving exactly 30k in points this rnd, we recieved nearly 2000 qff extra between us. Late payments that finally were transferred? don't know, dont care!

This will be because transaction made on a day don't show up as fully processed in your BW account until the following day. So every month the last day transactions hit your account on the 1st of the next month. Also Friday transactions show up on Monday and Sat/Sun show up on Tuesday. I only did transactions on 29 days in March but because of the above I will be credited with points for 30 days.

 

[Rick93]

This is indeed a possibility, however in my opinion while the "abuse" condition could be used its difficult to see how they can make the case that this is abuse when small value transactions are not excluded under the T&C's. Not suggesting that I am offering legal advice but am pretty sure their lawyers would be telling them changing the T&C's is the cleaner way to do this.

Also agree that the "transactions which ... may be excluded" gives them a potential out but think the ACCC and other bodies would take exception if they do this without some sort of disclosure, otherwise their T&C's and promo material could be categorized as misleading and deceptive.

You weren't as 'critical' some months back ...

 

[Rick93]

Yeah I read this and thought it was an incredibly naive statement! Given this has gone on for so long and they haven't (yet) I'm not sure they fundamentally have a problem with the design of the product, its only the extremes they wish to shut this down, the answer to that is to shut down the extremes.

But would be very careful about throwing around terms like fraud given that has a specific legal meaning.

While he is clearly seeking to severely stretch the T&C's I for one dont think he is actually breaking them (and the letter from BW certainly makes no such suggestion), nor is this illegal. I think we can pretty confident that if BW did actually think this was fraud the letter would have arrived earlier and been somewhat more pointed.

On the question of FOS, I can confidently state that the view of most Financial Institutions is they are not favored by FOS in any manner whatsoever! Of course they do write the T&C's, so as long as the T&C's are supported by law the banks argument does normally have some weight but only on on a factual basis, but if you can actually make a factual argument that the banks has broken T&C's my experience is the banks will fold before even getting to FOS (the charges to them are not trivial).

.... and this one also seems to denote a 'change in attitude' ...

 

[benjy]

7.775 points posted for March, very happy

 

[burmans]

You weren't as 'critical' some months back ...

Yeah, I think most people haven't "abused" this promo, you on the other hand have boasted repeatedly about doing so. But that's not really relevant, they haven't closed down your account for abuse, they have exercised their right to close your account as the T&Cs allow, and the T&Cs (still) don't require them to give a reason for doing this.

 

[burmans]

Bankwest Transaction account 10K QFF promo [expired Oct 31, 2014]

.... and this one also seems to denote a 'change in attitude' ...

Quoting this would be relevant if they have closed your account on the basis of abuse but they haven't. Clearly this has really got under your skin, but please feel free to keep beating your head against a brick wall. Personally I think you'll just get a sore head, in fact it sound very like you already have one!

 

[potm]

I still don't get why you want to go do it manually at a supermarket. 5 points is worth 5 cents? Even at 10 cents, how is that worth your time and effort. Minimum wage job would earn you more.

 

[Rick93]

Seems like you have only recently joined this Forum ( or only posted a few responses overall ) ...

Thus, you most likely don't have the full story.

A number of people here, seem to take objection, that I was able to process up to some 1200 transactions a day - that's 1200 x 5 = 6,000 points.

Not every day, but occasionally I got around 1,000 done.

To me, I thought it was worth it at the time, as I would be passing a number of Coles / Woolies stores during the day / evening.

As I previously alluded to, not everyone is a computer wizz, and I couldn't work the 'i-macro' thing out.

It's got me, why people on this Forum have become so abusive to me, over my activity on this promotion. There are a range of examples across all the Forums on this site, where people are taking full advantage of 'promotions'.

To me, you would have to be 'closer than usual' to one of the suppliers ( Eg. work for a bank / financial institution ), to be as hostile as a few of the respondents here ...

 

[potm]

I still don't think it would be worth your time to go and do that...
What people are objecting to now is you still kicking up a fuss about it with Bankwest and potentially ruining it for everyone when you could just let it go, create an account under a family member's name and collect the free points the easy way like everyone else.

 

[Rick93]

If you looked into this, you would know, it's not as 'simple' as that ...

In order to 'create' a new account in a 'family' member's name, you require:

Name and address; DOB; TFN ( yes, optional, but may have some impact in detecting duplicate accounts ); phone and email contacts.

Mobile phone text is their security measure, along with email.

You can't just use other people's identity for financial transactions - THAT is fraud !! ( a term some people on this thread wanted to throw around ... )

 

[potm]

Obviously I was not suggesting you commit identity fraud. Your wife, father, mother, brother or sister or anyone else can create an account. What else are you expecting to acheive. Have you not wasted enough time and effort.

 

[Cephalopod]

You know, I'm really 'pis*ed off' with hearing all these reports, about people getting "30,000 points a month" by paying their 'phone accounts' with online methods etc. etc.

BankWest said to me, their issue centres on "paying for goods and services ( in small amounts ), that are normally paid in full ...".

WHAT'S THE DAMN DIFFERENCE !!!

Why can you guys get away with ONE CENT transactions - and get UP TO 30,000 points a month - and I got canned for less ( transactions in person ) ??

I've been following every comment here, and it just sux, as far as I'm concerned.

FOS, have advised, they consider, that BankWest have covered themselves very well ( T&Cs etc. )

It doesn't look like I will get anything out of this ... but I did try - because to me, it didn't seem fair. AND IT STILL DOESN'T !!!

You just said you were doing 1200 transactions per day (6000 points per day). 6,000 points a day is 180,000 in a month.

Plus like we said repeatidly, offline transactions incur an additional cost to both the merchant and the bank.

 

[Isochronous]

If you looked into this, you would know, it's not as 'simple' as that ...

In order to 'create' a new account in a 'family' member's name, you require:

Name and address; DOB; TFN ( yes, optional, but may have some impact in detecting duplicate accounts ); phone and email contacts.

Mobile phone text is their security measure, along with email.

You can't just use other people's identity for financial transactions - THAT is fraud !! ( a term some people on this thread wanted to throw around ... )

Using someone else's card is not fraud if they consent - especially if you are using a PIN rather than forging their signature.

 

[basso]

It's got me, why people on this Forum have become so abusive to me, over my activity on this promotion. There are a range of examples across all the Forums on this site, where people are taking full advantage of 'promotions'.

No one else pushed it as hard as you. The script folk seem to have mostly stopped at the system imposed limit of 50. While this is not a promotion, plenty of folk have found themselves having things such down on them, but they don't go running off to the authorities. They move on to the next game. For example, No one seems to be jumping up and down at SQ and VA for reversing out the points from that promotion.