Bankwest Transaction account [General Discussion]

[Cynicor]

Bankwest Transaction account 10K QFF promo [Back on offer till Oct 31]

Because Amex didn't follow promotion and didn't give any points at all. Completely different situation.

You have your points under the T+Cs, all legitimately gained. Your account has been closed, also under the T+Cs, legitimately. I'm not sure what you are going to try to argue?

Edit for more info: basically Amex offered 5k for 5x transactions on the web for all but only offered 5k for 20 transactions for some. We all registered with the better code and Amex tried to say it was never on offer for everyone. Screenshots were sought, found, FOS involved and we all left happy, eventually.

 

[Rick93]

You have your points under the T+Cs, all legitimately gained. Your account has been closed, also under the T+Cs, legitimately. I'm not sure what you are going to try to argue?



Well actually, the BW rep said they would credit me the points up to the time of closure ... but then the letter said none will be paid.

What I am trying to argue ? Well, at the minimum, I should get the points earned up to the time of closure !! But yes, I'm after more.

I'll accept whatever the FOS decide, but I will be arguing my side of the story +++

 

[N860CR]

Whatever people's opinion of the FOS is... Be prepared for it to take a year and move very very slowly if you push it to the very last stage

 

[coles525]

I really dont care how long banks / watchdogs (FOS) act. In the end it costs the bank more $$ (to FOS) then settling earlier in the complaint!

 

[N860CR]

That's true... Which is why it amazes me that banks drag things through the whole process when they know they're not 100% in the right.

 

[ETA_2022]

... Your account has been closed ...

I'd love to hear a BankWest rep explain why Rick93 wasn't told to stop immediately or else your account would be closed, rather than just closing the account without any warning, so Rick93 would stop doing something that was not illegal, nor explicitly banned by the T&C's of the account.

I'm happy to be corrected, if I'm wrong about the T&C's - just point to the relevant section that bans low value payments, multiple low value payments, or exceeding x payments per day.

 

[ETA_2022]

I'm doing Telstra payments for the first time in almost a month. Bloody imacro is zipping through 60 refreshes, without waiting for the page to load - so it's actually refreshing the page only 3 times = only 3 payments!

If you're wondering why I'm using a macro with 60 refreshes, rather than looping a refresh 60 times, it's because previously there were times when it would loop through all 60 repeats without waiting for the page to reload, thus there was only one payment, not the 49 that were meant to happen!

Has anyone else had a similar problem AND found a solution.

 

[coles525]

Do you have a time delay or 3 or more seconds between refresh?

 

[gizzard]

You may have this covered but what I've found is that refresh only works

- with the direct payment link. It does not work if you sign on to the telstar account
- once you have had the Yes/No confirmation screen for another payment for the same amount in the last 24 hours
- if the receipt number is different on the "thank you" page

I'm doing Telstra payments for the first time in almost a month. Bloody imacro is zipping through 60 refreshes, without waiting for the page to load - so it's actually refreshing the page only 3 times = only 3 payments!

If you're wondering why I'm using a macro with 60 refreshes, rather than looping a refresh 60 times, it's because previously there were times when it would loop through all 60 repeats without waiting for the page to reload, thus there was only one payment, not the 49 that were meant to happen!

Has anyone else had a similar problem AND found a solution.

 

[ETA_2022]

Do you have a time delay or 3 or more seconds between refresh?

No, but unfortunately it's a bit more complicated than that.

Prior to December 7, a refresh took more than a minute to load the page while waiting for data from infos.telstra.com and a connection to www.google-analytics.com. My solution was to ignore errors (SET !ERRORIGNORE YES) and give the page only 5 seconds to load (SET !TIMEOUT_PAGE 5).

However, it seems the page no longer needs data from infos.telstra.com and a connection to www.google-analytics.com. As such, I don't need to stop the page loading after 5 seconds and ignore the error this produces.

So I need to completely redesign my macro.

A single run of a macro that only refreshes works fine, but a loop of that macro returns the following error: RuntimeError: unhandled confirmEx dialog detected. Dialog message: "This page is asking you to confirm that you want to leave - data you have entered may not be saved.", line 3 (Error code: -1450)

Line 3 of the macro is REFRESH. But if I add a WAIT SECONDS=3 to give the page time to load, it no longer produces this error.

So now I have a macro that loops without errors, and gives the page time to load. If only the receipt number was different with each refresh too!

 

[ETA_2022]

You may have this covered but what I've found is that refresh only works

- with the direct payment link. It does not work if you sign on to the telstar account
- once you have had the Yes/No confirmation screen for another payment for the same amount in the last 24 hours
- if the receipt number is different on the "thank you" page

Thanks. Yes, I do the first payment manually and refresh the next 49 per card.

I believe I don't have any control over the receipt number being different or the same. That's the only issue now.

 

[ETA_2022]

I believe I don't have any control over the receipt number being different or the same. That's the only issue now.

It's finally working!

Believe it or not it was easier typing in 200 5-digit verification codes to make 200 payments, because when I tried to do so, IT WORKED. I didn't have to try, and try again, and try again later, because their computer was misbehaving.

The only thing that's better with Telstra, is that when it works, I can do other things while imacro finishes it's work.

 

[Cynicor]

I'd love to hear a BankWest rep explain why Rick93 wasn't told to stop immediately or else your account would be closed, rather than just closing the account without any warning, so Rick93 would stop doing something that was not illegal, nor explicitly banned by the T&C's of the account.

I'm happy to be corrected, if I'm wrong about the T&C's - just point to the relevant section that bans low value payments, multiple low value payments, or exceeding x payments per day.

That's not relevant to the discussion, as no one is saying he has done anything wrong, especially not me. I love this sort of thread. Why do they need to issue a warning? This isn't primary school.

The bank is using their ability, as a private entity, to no longer have a business relationship with this customer. This in under the "reserve the right to close the account at any time". Any company can refuse you at any time if they no longer want you as a customer, unless they are being discriminatory (and sms other exceptions, I'm sure).

 

[burmans]

I'd love to hear a BankWest rep explain why Rick93 wasn't told to stop immediately or else your account would be closed, rather than just closing the account without any warning, so Rick93 would stop doing something that was not illegal, nor explicitly banned by the T&C's of the account.

I'm happy to be corrected, if I'm wrong about the T&C's - just point to the relevant section that bans low value payments, multiple low value payments, or exceeding x payments per day.

The answer to this question surely is that the T&Cs give them the unilateral right to close the account. They don't have to give a reason.

I tend to agree he hasn't breached the T&Cs so this is why they have chosen this route.

 

[Beta4Me]

The bank is using their ability, as a private entity, to no longer have a business relationship with this customer.

They shouldn't have that right. Just like "common carriers" in transport.

 

[Cephalopod]

I really dont care how long banks / watchdogs (FOS) act. In the end it costs the bank more $$ (to FOS) then settling earlier in the complaint!

Unless they are attacking it how they would attack a normal legal dispute.

Using "Rick" as a test case. Once FOS rules against one person then BankWest can refute FOS involvement and FOS has no real choice but to close the dispute if the circumstances are close to identical.

 

[ETA_2022]

That's not relevant to the discussion, as no one is saying he has done anything wrong, especially not me. I love this sort of thread. Why do they need to issue a warning? This isn't primary school.

Isn't Bankwest saying what he is/was doing is wrong? That's why they're closing his account. It's not personal, surely?

Agree it's not primary school. Rick93 deserved a single opportunity to amend his behaviour before being penalised, because what he was doing wasn't illegal, nor was it explicitly banned by the T&C's of the account. If he was doing something that was illegal or explicitly banned by the T&C's of the account, then I would agree any penalty should be applied without warning, including account closure.

 

[deejo77]

Isn't Bankwest saying what he is/was doing is wrong? That's why they're closing his account. It's not personal, surely?

Agree it's not primary school. Rick93 deserved a single opportunity to amend his behaviour before being penalised, because what he was doing wasn't illegal, nor was it explicitly banned by the T&C's of the account. If he was doing something that was illegal or explicitly banned by the T&C's of the account, then I would agree any penalty should be applied without warning, including account closure.

You sign up to the T&C's when you get the card - one of the clauses is they can close it anytime they want - we all agreed to that when we accepted the card - they don't have to give a warning shot

 

[NoName]

They are allowed to close anyone's account at any time for any reason as far as I know. So not sure why people are debating whether he deserves a warning or not. They have decided they don't want his business because of his usage of the card and closed his account accordingly.

That said, I'm not what this means for the rest of us who are making Telstra/Optus payments. Do they want us all gone or is it just people clogging up Coles/wollies machines for hours a day? It's been a month since Rick told us he was being closed down and so far I haven't heard of anyone else meeting the same demise. Have I missed anything on the thread or am I correct that he is the only one? I've certainly had nothing happen to me so far and actually had a record (for me) number of points credited to my QFF account today for December transactions.

 

[benjy]

No issues for me since the phone call from Optus quite a few months ago, they haven't bothered me since. This Bankwest Account has definitely helped boost my QFF Points balance. 6,752 points credited this month. (I missed a few days due to Xmas)

If it continues, I'll be looking at booking a 140k oneworld award trip for late 2016