[Annoy] What's something small that really annoys you?

Forums › Off topic › [Annoy] What's something small that really annoys you?

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#2935093 28-Jun-2022 06:28

Banks.

Apparently they can't process an automatic payment on a public holiday, but they can automatically load the interest onto my mortgage with no issue on that same day.

It's supposed to be automatic!

Technofreak

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#2935163 28-Jun-2022 09:28

neb: Wanted to check and possibly update the balance on my Snapper card for an upcoming trip to Wellinchurch and got:
Following a failed cyber-attack in May 2021, Snapper has disabled the Accounts section of the website until the introduction of a new accounts section.
May 2021! It's been over a year and they can't roll a new web site? And yes, I know there's an app for that somewhere, but I already have one app for every single transport system I use, and in the case of some countries three or four apps, all incompatible and with different degrees of nonfunctionality, I really don't want yet another one.

Why do they insist on using these cards. Imagine if every suoermarket, service station, or any other business you care to name decided to have their own card. Why don't they just get on board with electronic payments like any other business?

I presume you can still pay with cash somehow? How does a visitor buy a fare?

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freitasm

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#2935165 28-Jun-2022 09:31

@Technofreak:

Why do they insist on using these cards. Imagine if every suoermarket, service station, or any other business you care to name decided to have their own card. Why don't they just get on board with electronic payments like any other business?

I presume you can still pay with cash somehow? How does a visitor buy a fare?

Ticketing is complicated. There are plans for a national card system but you may have guessed: Auckland and Wellington at odds, etc, etc.

Some insights here: Why is there no virtual card Snapper? (geekzone.co.nz)

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Technofreak

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#2935169 28-Jun-2022 09:40

I understand the complications and have read that thread. From what I can tell the complications are caused by having a card system. It still doesn't explain why they couldn't have a point of sale set up like every other business.

Doing away with the card system removes the complications the way I see it.

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Handsomedan

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#2935175 28-Jun-2022 09:52

Ge0rge: Banks.

Apparently they can't process an automatic payment on a public holiday, but they can automatically load the interest onto my mortgage with no issue on that same day.

It's supposed to be automatic!

It's the difference between an internal and an external transaction.

One uses the clearing system externally (The AP) and the other uses internal infrastructure (the interest).

Paying a recipient at the same bank is often real-time 7 days a week. Paying a recipient at another bank goes through the clearing system which only operates Mon-Fri excl Public holidays.

This will all change when the NZ clearing system moves to 7-day settlement next year.

https://www.paymentsnz.co.nz/resources/articles/payments-moving-365-days-year/

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geoffwnz

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#2935179 28-Jun-2022 09:59

Technofreak: I understand the complications and have read that thread. From what I can tell the complications are caused by having a card system. It still doesn't explain why they couldn't have a point of sale set up like every other business.

Doing away with the card system removes the complications the way I see it.

Without some sort of card system, how do you deal with discounted or capped fares for regular travel (eg ten trips or monthly passes).
Melbourne's Myki system seem to work well enough and something like that could work if implemented properly with, for example, Snapper.

Upgrading from an archaic system that requires holes to be punched in pieces of cardboard is long overdue. Especially the Monthly pass that "is not valid unless punched" somehow. Never understood how the fact that I have paid my money and obtained the piece of cardboard doesn't make it valid until someone puts a hole in it, like that somehow activates it. It's like the "Train Managers" can't see it unless it has a hole in it. That's always been a small thing that has really annoyed me.

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#2935181 28-Jun-2022 10:07

Technofreak: I understand the complications and have read that thread. From what I can tell the complications are caused by having a card system. It still doesn't explain why they couldn't have a point of sale set up like every other business.

Doing away with the card system removes the complications the way I see it.

Speed. Paywave is still too slow to use as a ticketing system.

Richard rich.ms

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#2935186 28-Jun-2022 10:11

geoffwnz: Melbourne's Myki system seem to work well enough

I believe that Bee (the system used by a dozen or so bus companies) uses the same system as Myki. Of course, that doesn't help when Auckland, Wellington, etc. are still doing their own thing.

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#2935236 28-Jun-2022 10:16

richms:

Technofreak: I understand the complications and have read that thread. From what I can tell the complications are caused by having a card system. It still doesn't explain why they couldn't have a point of sale set up like every other business.

Doing away with the card system removes the complications the way I see it.

Speed. Paywave is still too slow to use as a ticketing system.

Back on the "annoy" topic then.

Speed? Something that annoys me is someone hops on a bus, pushes their wallet to the reader and hears "Try again too many cards". Wait for the reader to setup again, then try another two times with the same results. After the third attempt, they then fumble with the wallet to find the Snapper card to finally get it to read.

It throws "speed" away.

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#2935246 28-Jun-2022 10:26

Moving house with Slingshot.
The self-service website option has no option to indicate a modem is not required. I called, and the person talking the order had the same problem, but said they would be sending details to despatch to not send the modem. I have now received notification that a modem is on its way to the house we don’t get access to until 14 July.
Why would there be a need for a new modem when moving house and keeping the same service?

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Ge0rge

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#2935253 28-Jun-2022 10:36

@Handsomedan:
Ge0rge: Banks.

Apparently they can't process an automatic payment on a public holiday, but they can automatically load the interest onto my mortgage with no issue on that same day.

It's supposed to be automatic!

It's the difference between an internal and an external transaction.

One uses the clearing system externally (The AP) and the other uses internal infrastructure (the interest).

Paying a recipient at the same bank is often real-time 7 days a week. Paying a recipient at another bank goes through the clearing system which only operates Mon-Fri excl Public holidays.

The automatic payment that didn't go through was the mortgage payment, to said bank. Seems pretty internal to me.

The cynic in me suggests that they'll make a dollar or two extra by adding the interest to my account, but not adding the payment to my account until a couple of days later. Certainly no impetus for them to process my payment...

Handsomedan

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#2935283 28-Jun-2022 11:48

Ge0rge:The automatic payment that didn't go through was the mortgage payment, to said bank. Seems pretty internal to me.

The cynic in me suggests that they'll make a dollar or two extra by adding the interest to my account, but not adding the payment to my account until a couple of days later. Certainly no impetus for them to process my payment...

AP's/DD's go through in batches on weekdays with the rest of the clearing.

It's only manually initiated payments that happen on the fly.

When you set up a mortgage payment or similar, there's usually a checkbox that you can use to indicate when the payment falls due on the weekend/public holiday, your payment goes through either on the business day before or the business day after.

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quickymart

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#2935296 28-Jun-2022 12:03

Speaking of Kmart - can anyone access their site at the moment? This is what I'm getting (and it's annoying):

We'll be back soon!

Sorry the site is out of action at the moment.

Please check back in a few minutes.

If you have an order enquiry, please contact us at onlineshop@kmart.com.au for Australia customers.
Please contact us at onlineshop@kmart.co.nz for New Zealand customers.

Access Denied Error 15 new.kmart.co.nz 2022-06-28 00:02:04 UTC

What happened? This request was blocked by the security rules Your IP: <withheld> Proxy IP: 45.60.79.43 (ID 10364-100) Incident ID: 364000770020983291-69606129808446283

trig42

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#2935297 28-Jun-2022 12:05

quickymart:

Speaking of Kmart - can anyone access their site at the moment? This is what I'm getting (and it's annoying):

Working for me.

freitasm

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#2935299 28-Jun-2022 12:06

@quickymart:

Speaking of Kmart - can anyone access their site at the moment? This is what I'm getting (and it's annoying):

What happened? This request was blocked by the security rules Your IP: <withheld> Proxy IP: 45.60.79.43 (ID 10364-100) Incident ID: 364000770020983291-69606129808446283

Yes, working for me (TM).

Are you using a VPN?

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