Posts Tagged ‘ internet ’

BT broadband cancellation

Wednesday, August 19th, 2009

Nearly 2 years ago I have decided to take BT Business Broadband package for my business as I thought that having it directly from BT might give me a better speed and service.

BT Business Broadband packages don’t come cheap – mine was £45.00 / month – so for that price you would expect something better than the maximum speed of up to 4MB.

After the first few months I have realised that Support is far from good – you still have to spend a lot of time in the queue waiting for someone to answer the phone.

The time has come and I’m moving to the new house and I need to have a broadband in the new place as well – so I call BT Business Support and what I’ve found out just by accident – simply because I asked, that if I’m moving the service over to the new address my contract is automatically renewed for another 24 months.

When I’ve found this out I have decided that even thou I have still 4 months left with my current contract I want to cancel it even thou I will have to pay for the next 4 months.

But guess what – even that wasn’t that easy – after about 10 minutes waiting for someone to pick up the phone on the other line … – anyway – have a listen to my conversation with the BT Cancellation department representative and find out for yourself.

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Two days later…

I have just received the confirmation letter of my cancellation from BT and I’m really disappointed – have a look at what they’ve written:

“Thank your for your request to end your BT Business Total Broadband Option 3 service. Your service will stop on 26/08/2009.
We’ll send you a final bill soon. This will include:

  • charges for any remaining months of your controact term – if you’ve ended your service during your contrac
  • charges for 28 days after the date of your request plus a charge of £22 (ex VAT) – if you’ve ended your service after your contract term has finished, unless you’re switching to another provider using the standard migration process.

Please note: you’ll continue to be charged  for other services that you may have with us (e.g. Internet Security Pack, Internet Business Pack) unless you’ve asked us to stop these, too. If you wish to cancel these services, please call the relevant helpdesk.”

Correct me if I’m wrong but doesn’t that mean that if my contract has expired, they will charge me for not renewing it £22, and they will also charge me for another 28 days after the day I’ve requested to cancel my account.

Also – the thing about canceling separately all additional things they have given to me without asking for them – that’s just outrageous!!!

Use internet to send money or make on-line purchase

Thursday, January 8th, 2009

There are many services these days which provide a very convenient way of sending money using internet. Some of the most popular ones offers more sophisticated options and also provide their integration with the E-commerce website systems.

Most of us heard about PayPal – if you’re the person who’s using Ebay or making purchases on-line – than you know that this is one of the most common ways of paying for your products or services.

Many people who have their accounts with PayPal or any other similar service provider don’t even bother to check the rates they charge for the service – which can truly disappoint you eventually.

If you’re sending money abroad – to the account which is assocaited with the different currency than the one you’re holding, then the conversion rate can also appear to be very unfortunate.

In this post I will try to give you an overview of two major service providers: PayPal and Moneybookers.

PAYPAL

PayPal (www.paypal.com) has been around since the on-line payments became available and is – not surprisingly, one of the major players in this sector.

They provide many services which include sending money on-line, merchant services for integration with the e-commerce websites, credit cards etc.

Here’s the PayPal’s Fee Structure (you can also see the latest update here):

Purchase
Pay: Free
Get Paid: 1.4% to 3.4% + £0.20 GBP
Personal Transfer
Send money and Receive money It’s free when you use your PayPal balance or your bank account linked to your PayPal account. There is a charge of 3.4% + £0.20 GBP for debit or credit card payments (either the sender or recipient can pay this fee).
Cross-border and multiple currencies
If your transaction involves a currency conversion, it will be completed at a retail exchange rate determined by PayPal. This rate includes a 2.5% spread above the wholesale exchange rate at which PayPal obtains foreign currency.

A cross-border fee of 0.5% may apply. This fee is waived for UK sellers who are registered with PayPal in a European Union country and who receive payments in Euros from other EU countries.

This basically means that if you are receiving payments from someone in the same country using debit or credit card then you will be charged £3.4% + £0.20 which in case of say £100.00 would be £3.6.

If you are receiving payment from someone in other country – say USA – then the fee is higher and I really tried to calculate it in many ways – I couldn’t guess how they calculate it.

Basically to receive the payment of £300.00 I’ve been charged £11.90, for £20.00 = £0.98 and for £5.00 = £0.40.

If you know how they calculate this – please let me know, as I’m really finding this a bit confusing.

Here’s the explanation which I have received from PayPal support representative by email, after asking why I have been charged so much to receive the money:

There are now two different types of payments that can be sent using PayPal – Purchase Payments and Personal Payments.

 

Purchases (Commercial Payments): These are the payments we traditionally have always offered, where there is a commercial relationship between the sender and the recipient of funds. For example, a person pays for a purchase of an item on eBay.

Personal Payments: These payments are designed as payments between individuals for no commercial reasons, i.e. made for the purpose of either your personal, family and/or household affairs. For example, a person living in Australia is sending money to his brother to buy their parents a gift.

When using the ‘Send Money’ tab, customers will be presented with the two different options to send either a Purchase payment or a Personal payment. As a result of the introduction of this new payment revamp, our fee structure has changed to accommodate these two new payment types.

Fees for each funding type are now charged as follows:

Payment funded with PayPal balance or bank account: PayPal will not charge sender or recipient regardless of their account type.

Payment funded with a debit or credit card: PayPal will apply the normal receiving fees. Therefore, Personal account holders may start to incur PayPal receiving fees. Please note however that the sender will have the option of paying the fees for that payment instead of the recipient.

For Purchases/Commercial Payments there will be no changes in the way fees are charged. The recipient of funds will always be charged the normal receiving fees (or merchant rates for approved merchants reaching the minimum volumes).

MONEYBOOKERS

Next on the list is Moneybookers (www.moneybookers.com).

Moneybookers is the UK company and also has been around for quite a while.

They provide similar services to PayPal – sending money on-line, merchant services etc.

Their fee structure looks as follow (you can also see it here):

Send Money Transactions
Sending Money: 1% (up to GBP 0.50)
Receiving Money: Free
Upload Funds
Bank transfer: Free (2-5 days)
Maestro / Solo (debit cards): Free (Instant)
Cheque: Free (10 days)
Visa / MasterCard / Diners / Amex / JCB (credit cards): 1.90%
Withdraw Funds
Bank transfer: £1.70
Cheque: £3.20
Visa: £1.70

I didn’t have any major problems with Moneybookers except the exchange rate when you’re doing international transfers – it’s really poor.

Several times has happened that I had to top up the difference in the next payment because Moneybookers exchange rate was too low.

Another thing worth to mentioned is that with Moneybookers, due to anti-money laundering regulations, if you are uploading funds to your moneybooker account using Bank transfer – you have to make sure that the bank account is in your name (or your moneybookers account name) – no third party deposits – otherwise you will be charged all banking and administrative costs to return the payment back to your bank account.

If you have some experience with these two or any other service providers – share it with us – we appreciate your feedback!

BT Business Total Broadband

Thursday, December 25th, 2008

Below is my earlier post about BT Business Broadband – but guess what – I’ve completely changed my mind – you can find out why in my last post:
BT broadband cancellation procedure
———

Ever since I’ve started this blog I was mentioning that I’m using BT Business Broadband and that I’m extremely happy with it.
Here’s the link to the package I’m using: BT Business Total Broadband.

I was with them for over a year now – initially a little bit unsure, as I was using BT over 6 years ago just as a normal, home user, and I wasn’t too excited with their service at that time. However, this time I’ve decided to take the highest package, pay a little bit more and – I must say, I’m more than happy with the service.

The package gives you exactly what it says – Unlimited broadband, 500 BT Openzone minutes per month (which I had a chance to use), Remote support for 1 PC (also – I had a chance to use this service and within 5 min I had my computer sorted out – remotely).

I could certainly say from my experience that this is one of the services I would be happy to recommend.

Unwanted phone calls – how to deal with them?

Tuesday, December 23rd, 2008

Yesterday I had a phone call from the company called Unicom offering me their services by cutting down the cost of my telephone and internet bill.

I was trying to finish the conversation very quickly by saying that I’m happy with my current provider (BT) and that I’m not concerned about the cost of the service that much, as the most important thing for me is the quality of the service -- after my previous service provider (Tiscali) -- you can read the story in my other post.

However, the lady on the phone was pushing so much to arrange the meeting that I’ve finally said OK.

Today the representative of the Unicom has paid me a visit, during which he’s rather quickly introduced me to the Unicom by making it clear that they can save me money on the telephone bill and internet.

I would still have my lines maintained by BT etc., but I would call them with all queries and my phone call would be answered within the first three rings. Hmm -- sounds good -- doesn’t it?

He didn’t manage to answer my question as to the technical support -- this is when I told him that together with my broadband package from BT I have a free PC support for one computer -- when something goes wrong, BT engineer connects remotely and sorts the problem out. I had a chance to use it already and it really works that way -- problem has been solved within minutes.

The truth is that I’m using BT Business package -- which doesn’t come cheap (around £45.00 / month), but since my business cannot operate without the proper internet connection,  I’m happy to pay it.

After realising that his magic tricks don’t work on me, he’s left, handing me the business  card on the way out.

I’m sure there are many companies which really can help us to save the money by providing the quality service, and perhaps Unicom is one of them.
I simply don’t like people pushing me with any kind of decisions, and the “cold phone calls” are the things which put me off completely.

I also didn’t like the way the representative of the Unicom has introduced the business to me. He’s started with telling me how big they are, how many sales they’ve made over the last year etc. -- all these irrelevant things which I’m really not interested in. I had the impression as he was really in a rush to get out and go to visit another prospect.

One other thing which was quite interesting, was the fact that apparently I would need to sign the agreement with them for 3 years -- which means I have to use their service for 3 years -- otherwise I would have to pay some penalties etc. He’s also mentioned that if I was about to decide to go on, I would need to call Unicom AND the phone call would be recorded and keep as evidence. Hmm -- doesn’t that sound a little bit scary?

Anyway, after this very quick introduction to Unicom, I don’t think I’ll be changing my service provider -- or perhaps I should?

Let me know what you think and what your experience is with those unwanted “cold phone calls”.

How to annoy a telemarketer

Tiscali Broadband and Phone Line – Stay Away!

Thursday, December 18th, 2008

Over a year ago I’ve decided to switch my ISP (Internet Service Provider) to Tiscali.
After receiving the hardware (modem and filters) and once I’ve made my first phone call to Tiscali, it appeared clear to me that this was one of those decisions you regret for a long time.

After 2 months of spending hours on the phone, trying to get the internet connection sorted out by Tiscali I asked them to cancel my contract for all services with them.
Because after 2 months trying, they couldn’t provide me with the service I could cancel the contract without paying the remaining months (contract was for 12 months).

I’m running a small web development business and my work heavily relies on the internet connection – so you can try to imagine that every time I’ve done some work I had to go to the Internet Cafe to upload files to the server etc. – NIGHTMARE!!!

This time I was absolutely desperate for the GOOD service – so I’ve decided to take the highes business package directly from BT – and after 1 year being with them I’m really happy with the service.

The problem which I’ve realised most ISPs have is that majority of them rely on the BT (British Telecoms) telephone line, and whenever there is a problem with the internet connection they always blame BT – solving problems obviously takes much more time, because they have to contact BT in the first place.

Anyway – it would be just a short dissapointment with Tiscali and I would most probably forget that the whole thing has happend – but Tiscali clearly doesn’t want me to.

A few months after terminating my contract with them I’ve received several letters which were saying something about outstanding balance – when I know for sure that there was nothing left to pay when I canceled my account with them.
Every time I’ve received this kind of letter I was calling Tiscali to clarify what’s happened and why am I getting this kind of letters even thou my account has been canceled months ago and the outstanding balance paid in full.

Every time I was assured that it was sent by mistake and that my account is closed and to simply ignore these letters.

On the 9th July 2008, surprisingly – I have received another letter from Tiscali saying:


We are writing to you to inform you that your last payment to Tiscali was rejected by your bank, building society or credit card provider.

In order to ensure your service continues without interruption, please call our Customer Billing Team to make payment and to confirm your Direct Debit or credit card details as soon as possible on 0871 222 3311. Lines are open 8am to 9pm, 7 days a week.

If we do not hear from you, we may take further action to recover any outstanding amounts.

If you have already made payment to us in the last 3 days, please ignore this letter.

Thank you for your assistance in this matter.

Tiscali UK Billing Team


The first thing I’ve done after reading this letter was to call Tiscali right away.

Again – I’ve got exactly the same information as before – there’s nothing wrong, account is closed and don’t worry – simply ignore this letter.

So I did, but two months later – exactly on the 9th of October 2008 I received the letter with exactly same content – the only difference was the date printed at the top – like those spam emails you’re getting every day.

So – another phone call with the same answer. It really started drive me mad – why are they allowed to send you these kind of letters and there’s no one to solve this problem because apparently – there’s nothing to be worry about.

This time I’ve decided to write the letter to the manager explaining the situation and giving the names of the service representatives with dates and times of the phone calls – as after a first few letters I started keeping track of my phone calls with them.

On the 29th October I received the response letter which reads:


Thank you for your letter dated 15th October 2008.

We apologise for the inconvenience this issue may have caused you.

Please note your Tiscali Talk account remains active. If you wish to cancel Tiscali Talk and ensure you have continued telephone service, we must ask you to contact your new provider to have the Carrier Pre Selection (C.P.S) – the system that automatically routes your calls through a specific network – moved to that supplier.
This can be done easily by contacting British Telecom (B.T.) or your chosen new supplier. When you have a go live date from your new supplier, please contact our Tiscali Talk Cancellation Team on 0845 077 4488 to complete the process.

We apologise for this involved process but this will ensure you have continuous telephone service.

If you have any further enquiries, please do not hesitate to contact our Customer Care Team on 0871 222 3311 option 3. Calls from a Tiscali Talk landline will be charged at 5p per minute. Calls from British Telecom (B.T.) landline will be charged at 10p per minute. Charges from other telephone providers may vary.

Alternatively, you can contact us through our website at www.tiscali.co.uk.

Yours Sincerely,


I was just absolutely shocked and really angry at this point.

I picked up the telephone and first called BT , asking them whether it is possible that I could have 2 service providers on one telephone line and the answer is obvious – NO.
And the only company which supplies me with the telephone line and service is BT – there are no other services on this line.

Then I called Tiscali and they’ve told me that there’s NOTHING TO BE WORRY ABOUT – can you believe it?

On the 12th November I’ve received another letter – this time it was NOTICE OF SUSPENSION which reads:

Outstanding Balance: £3.86

Despite our previous correspondence the above balance remains unpaid on your account.

In order to prevent suspension of your service, please contact our Collections Team on 0871 221 0015.

We now offer our customers the option to pay by our secure automated payment system. To use this facility, you can pay by debit / credit card by dialing 0871 221 0015 and Selecting Option 3.
Simply follow the instructions when prompted and please have your card details ready to complete the transaction. This service is available 24 hours a day.

Should your account not be paid in full your details will be passed to a Debt Collection Agency for further action. This may result in additional costs to your and may also affect your future credit rating.

If you have made payment within the last three working days please ignore this letter.

Thank you for your assistance in this matter.

Now – this was just over the limit. I’ve called the number they’ve given me and paid the outstanding balance of £3.86 and aked whether my account is now fully closed and I won’t get any more letters of any kind from Tiscali. I’ve been assured that my account is copletely closed now.

However, on the 18th December 2008 I’ve received the following email from Tiscali:

Dear Member,

Your Tiscali bill is now available for you to view online.
— TO VIEW YOUR BILL —
1. Visit the My Account area: http://www.tiscali.co.uk/myaccount
2. Select the “View Your bill” option within the Billing & Usage box3. Login using your Tiscali email address and password

If you have any questions about your bill simply visit our new Billing Help page for help and advice: http://www.tiscali.co.uk/bill

Information regarding VAT reduction
The Chancellor has reduced the VAT rate from 17.5% to 15% from 1 Dec 2008 for 13 months. We are pleased to pass on this reduction to our customers and all bills from 1st December reflect this change
— PAYMENT DUE DATES —
If you pay by credit card the amount due will be collected on or after the 2nd January 2009.
If you pay by direct debit, we will collect the amount due on or after the 7th January 2009.
Payments for last month will only be shown on this month’s bill if received before 9th December 2008.
— ARE YOUR PAYMENT DETAILS CORRECT? —
Please also make sure your payment details are up-to-date by logging into the My Account area to ‘check or update payment details’:
http://www.tiscali.co.uk/myaccount
If you have any further billing queries, please call us on 0871 222 3311 and an agent will be happy to help you. Lines are open 8am to 9pm, 7 days a week.

Kind regards,
The Tiscali Team

You can’t possibly imagine how angry I felt. It’s just like talking to someone who doesn’t understand what you’re saying.

I made another phone call – this time half way through the conversation I’ve decided to record it so that you can hear exactly the nonsense you can get from Tiscali support representative.

Here it is (click the play button to hear the conversation):

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