Going mountain biking and soaring like an Eagle...only to land like a Boobie. 

elpenguino:

rb99:

 

Well, like I say, it was the variable rate bit, which we also paid off early. Guess it didn't actually have a term. If I'm feeling enthusiastic I might pop in to town and have a polite moan at them.

 

Kiwi bank did the same for us. After paying off the mortgage/loan (thanks dad, shame you had to die tho) the mortgage account was removed from our list of accounts.

Our mortgage on the property title has not actually been discharged tho, so I'm pretty sure if I want a Ducati I just need to ring them up and fill in some forms.

Just wondering if there is potentially some confusion between "variable rate loan" and "revolving credit loan" accounts?  From a banking point of view, they are not the same things.  One is a big overdraft which usually remains active/available even if it's positive.  The other is a loan which gets paid off over time until it's zero.

For what it's worth, I paid off my variable (floating) with Westpac a while ago and it's still active; I can withdraw some money to start it back up if I wish.

There could well be some confusion. Originally we just had one mortgage (can't even remember if it started as fixed rate or variable), which got split into two (and three after that actually). So whether we actually had Variable Rate or Revolving Credit I'm not sure. I assumed the former and haven't spotted any reference to anything Revolving in statements.

Also, as mentioned, we still have the other mortgage(s), so nothing has been discharged. It might therefore be no problem to organise something for a house once over, it just seems pointless extra hassle.

...and a message starting with 'Hey, we see your mortgage number xxxxx is almost paid up, lets tell you what will happen.....' would have been nice. Though I could have just asked...

its its a revolving credit then your main pay will lkely go into it so its unlikely to close if you "pay it off"

sounds like it was just a regular loan on a floating rate.

Behodar:

 

For what it's worth, I paid off my variable (floating) with Westpac a while ago and it's still active; I can withdraw some money to start it back up if I wish.

 

Just sounds like blatant favouritism to me, which I'm all for by the way.

Jase2985:

 

its its a revolving credit then your main pay will lkely go into it so its unlikely to close if you "pay it off"

 

sounds like it was just a regular loan on a floating rate.

 

Oh probably. Asked in the bank but ordinary tellers didn't know much and you need to make an appointment to see a mortgage person apparently. Maybe I'll try 0800 ...we are experiencing higher than usual call volumes, thank you for your patience, you are number 86968 in the queue.

I had to throw out a perfectly great left shoe just because the right one failed 

That my right shoe failed a) one of the pieces of fabric that holds that laces in snapped b) all the foam around the ankle up and vanished, leaving me with a blister on my ankle yesterday after walking 3.5km to work after dropping the car off to get serviced.
I changed into these shoes around the start of the first Level 2 so they weren't exactly that old

nzkiwiman:

 

I had to throw out a perfectly great left shoe just because the right one failed 

 

That my right shoe failed a) one of the pieces of fabric that holds that laces in snapped b) all the foam around the ankle up and vanished, leaving me with a blister on my ankle yesterday after walking 3.5km to work after dropping the car off to get serviced.
I changed into these shoes around the start of the first Level 2 so they weren't exactly that old

 

On that subject...the fact that some shoes have non-repairable/replaceable soles (like leather Chuck Taylor's) - I had to chuck out (forgive the pun) a pair of Chuck's as they soles were worn through, broken on the edge and irreparable. I tried a few places - nobody could help. 

The uppers would've easily lasted another 10 years! 

Grrr....

Not so much "really annoyed" but a couple of disappointing customer service experiences this week.

We've been with Genesis for power for 8 years, and a few times a year they offer a "power shout" when you can pick a day and have free power for a set number of hours (in this case it was 4 but can sometimes be 6 or 8). So we'll tend to do it on a weekend afternoon, and blast everything (heaters, dryer, oven prep meals for the week etc). So last Friday night my partner thought she booked it for Saturday afternoon. Then on Monday it appeared on the app as being on the Friday afternoon when we were both out at work and not home to make use of it. Tried to query this with Genesis as we had intended to book the Saturday and were told "you booked Friday and we can't change it after date" despite the fact we booked it after the time it was supposedly allocated to. So said that was a shame after being a long term customer and we'd had a quote for a significantly cheaper bill elsewhere (which was true) so might look to take that up and they rudely said "sorry you feel that way, but it's been credited to the day you booked." No effort at all to keep us so for the sake of what turns out to be about an $18 credit they've lost a long term customer.

Second incident was this morning. Had some new tyres fitted at Beaurepairs  and they also did a safety check on the car. Told me the battery came back as bad and needed replacing which I thought was odd as it was only a year old from AA. So called AA to come and check it as still under warranty and the guy took one look at the piece of paper with the test they had done and said it was the wrong test for my type of battery ("start stop EFB battery test" which means nothing to me but is apparently for a much larger battery than is in my type of car) and that they were basically just trying to sell me a new one. Perhaps it was an honest mistake by the guy who did the test, but had it not been fairly new and under warranty I wouldn't have known any better. Wonder if others have been caught out by something like this.

Geektastic: That I didn’t notice that pre orders were available for the PS5 before stock ran out.

invisibleman18:

 

Not so much "really annoyed" but a couple of disappointing customer service experiences this week.

 

We've been with Genesis for power for 8 years, and a few times a year they offer a "power shout" when you can pick a day and have free power for a set number of hours (in this case it was 4 but can sometimes be 6 or 8). So we'll tend to do it on a weekend afternoon, and blast everything (heaters, dryer, oven prep meals for the week etc). So last Friday night my partner thought she booked it for Saturday afternoon. Then on Monday it appeared on the app as being on the Friday afternoon when we were both out at work and not home to make use of it. Tried to query this with Genesis as we had intended to book the Saturday and were told "you booked Friday and we can't change it after date" despite the fact we booked it after the time it was supposedly allocated to. So said that was a shame after being a long term customer and we'd had a quote for a significantly cheaper bill elsewhere (which was true) so might look to take that up and they rudely said "sorry you feel that way, but it's been credited to the day you booked." No effort at all to keep us so for the sake of what turns out to be about an $18 credit they've lost a long term customer.

 

 

 

FWIW - I had a similar customer experience type issue with a long term (16+years) provide Waste Management. No matter how hard I tried to explain our curcumstances to two or three different CSR's in their call centre I couldnt make any headway. It was pretty much like wasted breath talking to a brick wall. I asked to speak to a manager, apparently no one was available but they said someone would call me back.. of course no one did, so i called back and spoke to another CSR the following day when our bin still hadnt been picked up, tried explaing etc etc but to no avail, asked to speak to a manager again, got the old not available they call you back (this time i asked for the name of the manager). Finally got a call from their ops manager and what id been requesting was immediately understood, absolutely no problem at all and my frustration with the call centre totally recognised.

I think a lot of the time in these call centre type environments its just a matter of closing a ticket and moving on in as quicker way that they can, regardless of the best result for the customer. Maybe this is down to a lack of training or a lack of immediate supervisor support available to new CSR's on the phones but i think some of it also comes down to our complacent attitude as a country. Poor service often doesnt result in a complaint and when you do complain its taken as a real afront.

I think id only move on from a poor provider now after having got zero satisfaction from a manager rather than simply poor service from the frontline in a call centre.

dimsim:

 

...

 

I think a lot of the time in these call centre type environments its just a matter of closing a ticket and moving on in as quicker way that they can, regardless of the best result for the customer. Maybe this is down to a lack of training or a lack of immediate supervisor support available to new CSR's on the phones but i think some of it also comes down to our complacent attitude as a country. Poor service often doesnt result in a complaint and when you do complain its taken as a real afront.

 

...

 

Could be KPIs as well.  I think Contact Centre efficiency is often measured on call volumes, handling times and answer times, rather than the quality of service delivered during those calls.