Bankwest Transaction account [General Discussion]

[TedE]

POINTS!!! This month's batch is in

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.

To Rick93, I agree with the "what people are objecting to part". It seems to me that Bankwest are and always have been well within their rights to cancel your account as they would be to cancel my account or any other customer account they so wish without cause and without giving reason whatsoever. I could never see what possible positive outcome could have come from complaining to FOS, I mean were you seriously expecting Bankwest to reinstate your account and allow you to continue making micropayments at supermarkets?

So really, I object to you taking actions which could not possibly be of benefit to you and could possibly be a detriment to the community as a whole. This truely is a make hay while the sun shines situation and here you are taking steps which may encourage Bankwest to install a sun blocker.

 

[Rick93]

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

"Consent" the first time, sure .... Then, using the card on each and EVERY occasion requires EXPLICIT consent thereafter .... not 'implied' consent.

Now, consider the 'tap and go' function of a card, when faced with multiple transactions in a short space of time, IE., at the supermarket ...

Anymore 'armchair' lawyers out there ?

 

[Rick93]

TedE, did you actually READ your post ??

You are implying, that it's OK to make "micro-payments" via the internet, but NOT in person at a supermarket et al.

There are those of you who firmly believe YOU are not doing anything 'wrong', whereas you are 'casting the stones' at me, for doing what you are doing, only to a lesser degree - over the internet.

There is a definate 'double standard' here ....

Absolutely amazing, that so many of you REALLY believe, that you are doing something completely different .... yet you still "boast" ( a complaint directed at me ), about how many points you are racking up with this Promotion.

Nothing but blo*dy hypocrites ....

 

[QF WP]

Some of us are just happy to get some points every month

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[TR="class: underline1"]
[TD]07 APR 15[/TD]
[TD]BANKWEST TRANSACTION ACCOUNT 05APR15[/TD]
[TD="class: noFigures"]-[/TD]
[TD="class: figures"]180[/TD]
[/TR]
[/TABLE]

 

[TedE]

TedE, did you actually READ your post ??

You are implying, that it's OK to make "micro-payments" via the internet, but NOT in person at a supermarket et al.

There are those of you who firmly believe YOU are not doing anything 'wrong', whereas you are 'casting the stones' at me, for doing what you are doing, only to a lesser degree - over the internet.

There is a definate 'double standard' here ....

Absolutely amazing, that so many of you REALLY believe, that you are doing something completely different .... yet you still "boast" ( a complaint directed at me ), about how many points you are racking up with this Promotion.

Nothing but blo*dy hypocrites ....

Did YOU actually read my post. I'm not sure you did because you didn't answer my question... what possible positive outcome could have come from complaining to FOS, were you seriously expecting Bankwest to reinstate your account and allow you to continue making micropayments at supermarkets?

You are wrong, I don't think there is anything wrong with making micropayments at supermarkets or online. At the same time, I don't think there is anything wrong with Bankwest refusing to continue to have someone as a customer if they are making micropayments, it's their choice how they run their business and their terms and conditions clearly allow them to do what they did to you (as it would allow them to do the same to me if and when they chose to do so).

I haven't been shut down yet (although I'm sure they will get around to me eventually). I have been lucky to have not yet come up on their radar. You were shut down, you were not so lucky (though that may have had something to do with you making yourself a target by processing way more transactions than the rest of us over a short period of time and in a manner that attracted the Bank's attention).

You kicking up a fuss could not possibly have brought yourself any benefit to you and could precipitated the rest of us getting shut down sooner than we might otherwise have been. Rest asured, when I get shutdown by Bankwest, I won't be doing anything that could ruin this trick for those still benefiting from it.

 

[NoName]

It's a real head-scratcher why someone would spend so much time kicking up a fuss about the bank closing their account when it's as clear as day that they are within their rights to do so as per the T&C. Absolutely zero chance of winning this one I'm afraid. You must have too much time on your hands to bother with this futile exercise. You could have spent half the time and effort and signed up half a dozen family members, got them a few cards each and got your 5k pts per day by clicking a mouse button like the rest of us do. Instead you waste time arguing that you should be allowed to spend hours clogging up self-serve check outs at supermarkets. Its a bizarre thought process really.

 

[burmans]

Some of us are just happy to get some points

Agree and I think most of us are somewhat expecting this will end sometime, and will just accept it when it does.

 

[Rick93]

You know, I read all the posts on this topic, and I am trying real hard to see what you people are getting at ...

... but we only start to 'go round' again ...

However, I did detect a mis-conception after reviewing a number of respondents ...

I am NOT chasing the re-instatement of my account !!

THAT is NOT what FOS are looking at for me ... it is the crediting of points earned UP TO the time of account closure, that is the subject of my 'enquiry' with the FOS.

If THAT makes a difference to anybody's position on MY CASE ...


if a bank closed my savings account, and I later found a discrepancy with the amount I received from my account .... aren't I within my rights to ask them to refund my 'missing' funds ?
If that bank refused ... aren't I within my rights to use the FOS to assist with convincing the bank they made an error ?
If the bank was 'not performing well' to my satisfaction, I may well reject them for future business, and THEY can say the same about me .... but my 'missing' money still has to be accounted for ...

 

[JohnK]

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 !!!

Life is not meant to be fair.

Not everyone gets caught. You were quite vocal about your achievements with this promotion. Bankwest pulled the plug. Won't be long before Bankwest pulls the plug on the rest unless they have an endless supply of free QFF points they wish to continue redistributing.

 

[Rick93]

A number of respondents have cited my 'boasting' of success etc. etc.

As this was ONLY here .... there are two possibilities:

SOMEONE ( or multiples ) here, has gone 'out of their way' to report me / draw attention to my posts.

... or, BW actually trawl through this site, and spend time and effort in analysing / cross-referencing information, to identify actual BW account holders etc.

I can live with the latter, but the first ???

 

[carwashhair]

A number of respondents have cited my 'boasting' of success etc. etc.

As this was ONLY here .... there are two possibilities:

SOMEONE ( or multiples ) here, has gone 'out of their way' to report me / draw attention to my posts.

... or, BW actually trawl through this site, and spend time and effort in analysing / cross-referencing information, to identify actual BW account holders etc.

I can live with the latter, but the first ???

Only two possibilities?

 

[jason_c]

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.

Just catching up on this thread. Is the 50 'threshold' a BankWest limit? Or a limit from the payee?

 

[benjy]

*snip*

THAT is NOT what FOS are looking at for me ... it is the crediting of points earned UP TO the time of account closure, that is the subject of my 'enquiry' with the FOS.

*snip*

As per Point 7 in Bankwest's Terms and Conditions, you are not eligible to receive points earned during the month of which your account was closed.
"If your Account is closed or access to it is cancelled, all Qantas Points accrued in the month of closure will be forfeited"

You won't win.

Just catching up on this thread. Is the 50 'threshold' a BankWest limit? Or a limit from the payee?

The 50 transactions a day is a unwritten Bankwest imposed limit; a limit that most people have accepted.

 

[burmans]

Only two possibilities?

Yes, that's somewhat naive, all banks have analytics they can run and if the OP has been doing what he suggests I suspect that Coles would have been having a word with Bankwest also.

 

[N860CR]

That could be a point of conjecture. Just because it's in the T&Cs doesn't make it right if it is not reasonable. In think you'd have a strong argument that it's unreasonable to take away something that had already been earned in accordance with the advertised promotion.

That said, it's probably outside of the scope of the FOS and would require another course of action.

 

[TomVexille]

Yes, that's somewhat naive, all banks have analytics they can run and if the OP has been doing what he suggests I suspect that Coles would have been having a word with Bankwest also.

Ah ha! Proof!

 

[jason_c]

The 50 transactions a day is a unwritten Bankwest imposed limit; a limit that most people have accepted.

Ok that makes sense. Thanks!

 

[Rick93]

... and you think Telstra / Optus are OK with one cent payments ? ( even at the 'magic' 50 per day level )

 

[TomVexille]

... and you think Telstra / Optus are OK with one cent payments ? ( even at the 'magic' 50 per day level )

I know Telstra charge a surcharge on card payments so they are recovering cost.

 

[NoName]

... and you think Telstra / Optus are OK with one cent payments ? ( even at the 'magic' 50 per day level )

Youve been told several times that the "off-line approval" payments you were making at Coles incur a much higher cost to the merchant and bank as well as requiring significant time to process. Not sure why you can't seem to comprehend why this makes the payments MUCH different to the Internet payments, the cost of which Telstra & Optus recover via a surcharge. Probably explains quite a bit though....