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10 PED rejection fee? But...

Sarah

Sarah

Master Colorer
Joined
Jan 31, 2005
Posts
850
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Lund, Sweden
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Freelancer
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Sarah 'Zap' Charlton
...there is no way to check your current balance on your Cash Card! Since I don't use USD in the ATM machine I have to use a currency exchange from USD to SEK on each transfer. Since the exchange rates are not stated on the withdrawal receipt how on earth would I know how much money I have on my card?

There is no option to check current balance in the ATM machines, and no way to check it online. Still MA charges 10 PED for rejected withdrawals.

C'mon MA, I have a keen ability to oversee your scew-ups but this is just ridiculous. You are incompetent! (That is my personal opinion.)

Be my guests MA "representatives", comment.
 
10 Ped rejected withdrawl charge? Hmmmm....another un-documented charge by MA for this flawless product!!! :)

Guess a support case and wait 6 wks for an answer. :mad:
 
Sarah said:
...there is no way to check your current balance on your Cash Card! Since I don't use USD in the ATM machine I have to use a currency exchange from USD to SEK on each transfer. Since the exchange rates are not stated on the withdrawal receipt how on earth would I know how much money I have on my card?

There is no option to check current balance in the ATM machines, and no way to check it online. Still MA charges 10 PED for rejected withdrawals.

C'mon MA, I have a keen ability to oversee your scew-ups but this is just ridiculous. You are incompetent! (That is my personal opinion.)

Be my guests MA "representatives", comment.
Click to expand...

nvm..............
 
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Hey

Yea, this is the thing that makes me wonder should i take ATM card or not. Using € in real life...
Lets say i move 1000ped to ATM card, go to ATM and try to figure how many € there is, withdraw that with success. Can I then move left over peds back to CC and use those in game? And if I can do this, is there extra cost on moving peds back to game?

-Zap
 
Zap said:
And if I can do this, is there extra cost on moving peds back to game?

-Zap
Click to expand...

yep, and you can pretty much count on "extra cost" anywhere they can find to justify one.
I belive the extra cost to put $ back onto your ped card is 35peds.
 
For the ped balance itself you can look in your inventory on the EU website (just realized cash card lol sry)....convert your rates for all fees beforehand, transfer and like a checking register just deduct the fees from the cash card amount you transfered everytime. Thats the only way to do it for free is keep a log written. otherwise yeah, any bank outside of the issuing bank will charge you.

On that note though...the cash card is technically an account with that bank...so see if you cant get a login or call the number to see if they let you check the balance by phone or website, most banks have that available, might even have to by law. It wouldnt be MA though that has that account, they are just the middleman.
 
forgo said:
For the ped balance itself you can look in your inventory on the EU website (just realized cash card lol sry)....convert your rates for all fees beforehand, transfer and like a checking register just deduct the fees from the cash card amount you transfered everytime. Thats the only way to do it for free is keep a log written. otherwise yeah, any bank outside of the issuing bank will charge you.

On that note though...the cash card is technically an account with that bank...so see if you cant get a login or call the number to see if they let you check the balance by phone or website, most banks have that available, might even have to by law. It wouldnt be MA though that has that account, they are just the middleman.
Click to expand...

nvm.........
 
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I emailed the issuing bank in that matter and they told me that they are physically providing the card but have no access to the account behind it, only MA has, so I guess we have to wait until they have implemented an inface where we can check any movements and the current balance.

Until then I just take the current Euro / Dollar exchange rate and decrease it by ~2% and divide the dollar amount I have withdrawn into Euro. That should be spread enough to even cover the cost from exchanging one currency into another.
 
Zefram said:
I emailed the issuing bank in that matter and they told me that they are physically providing the card but have no access to the account behind it, only MA has, so I guess we have to wait until they have implemented an inface where we can check any movements and the current balance.

Until then I just take the current Euro / Dollar exchange rate and decrease it by ~2% and divide the dollar amount I have withdrawn into Euro. That should be spread enough to even cover the cost from exchanging one currency into another.
Click to expand...

nvm..............
 
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Yeah a check balance feature would be much appreciated (and logical?)
 
Doe said:
ok. ty, and i really ty for the tip. Now pls tell to your friends here on EF to NOT start - ( minus ) rep me again, as they did last time when iv quoted a post of yours. Yes i know EU/EF are dynamic , yes i know you are wise and smart and anything positive you want. But : is there ANY final and legal and clear statement from MA in the matter of the ATM Cards ?! How the heck can somebody operate Real Cash and Debit Cards on market, WITHOUT any real statement about ?! Where is this Swede , in Mundana ?!
Click to expand...

I did never tell anyone to neg rep you. You just invited the others to do so with your nice posts in the other thread I guess :rolleyes:

Anyway, I see I made a mistake in my previous post. The current exchange rate needs to be increased so the divider is greater so the reserve for exchanging gets bigger.
Nevertheless, its a bit hard to understand, why the implementation of an interface to control transactions has to wait until September :eek:
 
Sarah said:
...there is no way to check your current balance on your Cash Card! Since I don't use USD in the ATM machine I have to use a currency exchange from USD to SEK on each transfer. Since the exchange rates are not stated on the withdrawal receipt how on earth would I know how much money I have on my card?

There is no option to check current balance in the ATM machines, and no way to check it online. Still MA charges 10 PED for rejected withdrawals.

C'mon MA, I have a keen ability to oversee your scew-ups but this is just ridiculous. You are incompetent! (That is my personal opinion.)

Be my guests MA "representatives", comment.
Click to expand...

I still can't even get that far, my card won't activate. This is total BS. Exchange rates and checking balances should be a given. At this point I really believe MA is willfully trying to keep people from withdrawing money. I would start sending complaints to the bank and to the credit union association of Canada, for which the bank is a part of. The only way MA seems to act is if they get bad press.
 
just have to ask...
wy buy this card?
wy dont u just use visa?
works great....
 
SODERD said:
just have to ask...
wy buy this card?
wy dont u just use visa?
works great....
Click to expand...
uhh.. to withdraw money fast out of EU, I don't want to wait 90 days to get my cash. I suggest you read what the card is for before posting.
 
A little off topic, but kinda related....

Some 4 months ago MA told me that they were in the process of refining and restructuring the withdrawal process and once complete a withdrawal should take a maximum of 10 working days.

I know 100% that it was down to about 30 working days a couple of months ago, so perhaps they weren't lying after all!

Still, over 4 months since that statement and I don't see a single post saying "Withdrawal complete in 10 working days!! wtf!!!" so I guess they have stalled.

I would create a Support Ticket and query their current progress, but I think mopst people know that Support seem to be hibernating or something for the last 3+ weeks :rolleyes:
 
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Aint that a nice funny fee ...
They added it after i bouth my card, but so far , have not give me info about it ...

I really wonder if other "bank" do the same, because its the first time i see that kind of fee....I mean , its a fee i pay when i dont have money ... strange ...

A balance system is suposed to come in september ...

I would prefert MA had fix that kind of things before providing the card ....
Thats very very umprofetional , and dont give at all a good look to the system.

A balance system with som eror or bugg , would make player laught ...But providing an ATM card with no way to chek your balance ... will make laught the world and wont help people to trust MA and deposit ...

It time to call som news and journal to make som customer PR ...
 
Etopia said:
I really wonder if other "bank" do the same, because its the first time i see that kind of fee....I mean , its a fee i pay when i dont have money ... strange ...
Click to expand...
All the banks i know (in France, at least) are doing that...

If your account balance is negative, you begin to pay fee.
If you try to pay with CB or Check while you don't have enough money, the transactions can be refused by the bank and you pay fees for this refusal. Usually, banks let you have an account balance slightly negative (depending on your revenue) but if you go too far, they begin to make you pay more because you can't pay what you owe them.

MA is doing that except that they don't allow you any negative balance.


That said, I still agree with Sarah... An system to check your balance is a must have with an ATM Card... Another nice proof that MA can have nice ideas but can't implement them without big errors :rolleyes:
 
cacail said:
All the banks i know (in France, at least) are doing that...

If your account balance is negative, you begin to pay fee.
If you try to pay with CB or Check while you don't have enough money, the transactions can be refused by the bank and you pay fees for this refusal. Usually, banks let you have an account balance slightly negative (depending on your revenue) but if you go too far, they begin to make you pay more because you can't pay what you owe them.

MA is doing that except that they don't allow you any negative balance.
Click to expand...

Its not the same thing.
My bank , give me the money , but i will pay an over charge because they take risk to give money when i go in negative balance.If my bank dont take the risk , they just refuse to pay and thats free.(i speak about card ... since i dont got MA chek , i dont see the point to speak about chek system).

Here MA will make you pay an over chage when they refuse to pay ...They add a fee for the case they dont provide a service ...
 
cacail said:
If you try to pay with CB or Check while you don't have enough money, the transactions can be refused by the bank and you pay fees for this refusal.
Click to expand...

this is known as a "non-sufficient funds" (NSF) charge. the charge is for issuing a cheque against an account where there are no funds. in the past, this cost the institution to process and refuse.

on modern electronic instruments (such as ATM cards), this charge is never applied. you may have an arrangement to allow for an overdraft (for which you may be charged).

MA's cash card, particularly when you consider the NSF charge, appears to operate more like a cheque card than a debit card.

that professor guy should come back and read the terms and fees and then make another comment on how revolutionary the cash card is. it is, you know. I don't think any other organisation has ever found so many ways to inject fees for such little service.

being unable to check your balance anywhere and being subject to a rejection fee is a little unethical. I suppose that MA isn't going to be issuing statements, either, right?
 
Eheh, OK... I didn't know that the NSF (ty for the vocabular, Kira-red :silly2: ) was not applicable to CB (and such) :)

Got some problem long time ago with my bank while I was still a student and I got so much fees that I didn't go into the details :laugh:
 
I was very concerned about this, and I raised a support case about it:

Made up Support Case #8789733 said:
Case ID 8789733,

16:34, 04/08/2004 - Noggin wrote:

Hi,

I just noticed you're completely incompetent. This is costing me, and fellow participants a lot of money to pay for your stupidness and incompetency.

It may surprise you to know, but people don't tend to respond too well to being ripped off.

I wonder if you could possibly try to be a bit more helpful, and think things through a bit more before you implement them. That would save you a lot of support cases (which you don't seem to be able to answer in an acceptable time-frame anyway), and a lot of upset and bad press.

Many thanks,

Noggin

----------------------------------
16:34, 04/08/2006, Support wrote:

Hi,

Thanks for bringing this to our attention. We have submitted your comments to our Recycle Bin, and it will look at this at some time in the future.

Unfortunately, we currently cannot "be a bit more helpful" due to staff shortages. We apologise for the delay in answering your query. Due to long management holidays and the fact they take all the profits and spend them on Gin Palaces, we all have to share a keyboard, which means it takes a pretty long time to answer stuff.

Hope you don't die, or rot in hell... And we hope your mother isn't in-fact a water buffalo.

Regards,
/Support
Click to expand...
 
it doesn't make sense.

If i try to get cash back or take money out of the hole in the wall with a real card it does a check against my current funds and then eithere allows me to have the money or doesn't, there is no charge at all.

From what i gather the ATM card is already hugely expensive to own / use, this just seems to be taking the piss.



Winston
PS Noggin :laugh:
 
Etopia said:
It time to call som news and journal to make som customer PR ...
Click to expand...

I agree.

It seems when MA gets bad press, they move faster then a republican with somehting to hide :laugh:

All these news agencies had fun runing the ATM story, I wonder if they woul have fun making a new one with corrections.....or maybe not, cause the press would look retarded for not checking their info ;)

Seems too many people are withdrawing and about to bankrupt MA so they are trying to stall :laugh: j/k on this last line
 
Noggin , for sure the support you send was not very nice ... but the reply .. i mean ... that reply , you writed it for make a joke...
They never respond you that ....
Tell me its a joke...

As you are at writing , can you contact som journalist ?

I am sure they will love to make a paper about how MA manage the cash card ...
Not that i dont like the cash card .. i really like the idea, but why the hell that new strange fee ...when they are not abel to provide a balance info ...
 
If MA won't reply try the credit union. Here is their contact info:


North York Community Credit Union Limited http://www.nyccu.com/
5799 Yonge Street,
North York Ontario
M2M-3V3
Tel: (416) 223-7556
Fax: (416) 223-0601
Touch Tone Access: (416)223-3700
E-Mail: nyccu.info@nyccu.com Hours:
Monday – Friday
10am – 4:30pm


If they don't reply, here is the link on how to file a complaint with the Financial Services Commission of Ontario. This is the government agency that oversees the credit union.

http://www.ontarioinsurance.com/english/regulate/creditunions/credit_unions_complaints.asp


BTW the credit union says ATM withdraws should only cost $1.25...wonder why we pay $3.50????
 
Da Snake said:
BTW the credit union says ATM withdraws should only cost $1.25...wonder why we pay $3.50????
Click to expand...

marco said the 35 ped fee/withdrawl was paid entirely to the credit union.

the credit union suggests the fee may only be 15 ped.

somewhere, there is a communication breakdown. possibilities are:

1) credit union statement is wrong and the fee they collect is 35 ped.
2) marco lied and MA is splitting the fee with the credit union company.

I wonder which is the truth?

if I was motivated enough (perhaps if I held one of these cards), I'd consider trying to get the credit union to make a statement as to what it is they collect from each of the fees.
 
kira-red said:
marco said the 35 ped fee/withdrawl was paid entirely to the credit union.

the credit union suggests the fee may only be 15 ped.

somewhere, there is a communication breakdown. possibilities are:

1) credit union statement is wrong and the fee they collect is 35 ped.
2) marco lied and MA is splitting the fee with the credit union company.

I wonder which is the truth?

if I was motivated enough (perhaps if I held one of these cards), I'd consider trying to get the credit union to make a statement as to what it is they collect from each of the fees.
Click to expand...

MA say the bank take 30 ped , and MA 5 ped


Purchase Price: 250 PED


Monthly Fee: 35 PED

The Financial Institution charges a fee of 30 PED. Additionally, MindArk charge a 5 PED fee to cover administration costs. The monthly fee is automatically drawn from the card at the end of each month.

Transfer Fee: 35 PED

When transferring funds from your PED Account to your Cash Card, the Financial Institution charges a fee of 30 PED. Additionally, MindArk charge a 5 PED fee to cover administration costs.

Withdrawal Fee: 35 PED

The Financial Institution charges a fee of 30 PED per transaction. Additionally, MindArk charge a 5 PED fee per transaction to cover administration costs. The withdrawal fee is drawn for each transaction.

Rejection Fee: 10 PED

If you try to withdraw more funds from your Cash Cash than are available in your account you will be levied with a Rejection Fee of 10 PED.
Click to expand...


We dont know who charge the 10 ped rejection ...
 
kira-red said:
marco said the 35 ped fee/withdrawl was paid entirely to the credit union.

the credit union suggests the fee may only be 15 ped.

somewhere, there is a communication breakdown. possibilities are:

1) credit union statement is wrong and the fee they collect is 35 ped.
2) marco lied and MA is splitting the fee with the credit union company.

I wonder which is the truth?

if I was motivated enough (perhaps if I held one of these cards), I'd consider trying to get the credit union to make a statement as to what it is they collect from each of the fees.
Click to expand...

Here is the link on the NYYCU website where they state the transactions fee as $1.25, So MA what is the deal? oh I forgot you won't answer us because all your lazy employees are on vacation :mad:

ATM transaction costs
 
Etopia said:
MA say the bank take 30 ped , and MA 5 ped
Click to expand...

right, I remember, now. I think it's this part that really bothers me:

Da Snake said:
the credit union says ATM withdraws should only cost $1.25
Click to expand...
 
wow, now this thread suddenly got very interesting :cool:
 
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