Capital One - what a rip-off!

Unity

uktyler wrote: »

But you are being loyal to a company you say are ripping you off, why?

You complain that the call centre staff are all outside the UK, but then boast about finding a way to call them cheaper?

My time is valuable, I use companies that offer good customer service, even if they use 'rip off' phone numbers, as the time spent on the phone is a lot less.

Please see post #4

Unity wrote: »

I don't use eBay anymore for exactly that reason . I just joined saynoto0870.com today thanks, but to be honest Capital One can phone me if they want to talk - I'm dealing only in e-mails or letters and keeping copies!

Post #24 was there purely for the benefit of others who may need the contact information. Apologies if that wasn't plain .

I'm not being loyal - I am simply getting the best cash back deal (recommended in Martin's e-mail at that time). I already had their Platinum Visa and simply changed over. If, however members can also bring pressure to bear on conglomerates to use a land-line number then that is fair enough.

To quote Martin Lewis: "It's about cutting bills not cutting back and being a sassy consumer. Companies try to screw us for profits. MoneySaving shows you how to (legally) screw them back."

I don't think I can put it any better than the man himself.


Regards,
Unity

uktim29

Unity wrote: »

Let me see, erm, poverty, poverty and probably poverty!

So you're saying before companies out sourced they had no jobs and income at all.

So they're not exactly worse off then now are they.:rolleyes:

uktim29

Unity wrote: »

I'm not being loyal - I am simply getting the best cash back deal

Well why don't you use the American Express Platinum cashback card like I do, it pays 5% cashback for the first three months then 1.5% then after, which I believe is the best out of any of them. And guess what, like I said it doesn't have an 0845/0870 number!

uktyler

Unity wrote: »

I'm not being loyal - I am simply getting the best cash back deal

You no doubt also approve of them using cheap Third World Labour too - if it saves them money - that's just unbelievable.

Unity

You obviously approve of them using Third World labour, you are a customer, I'm not.

So you value money above the people working in the Third World labour market?

Old_Sherlock

Unity wrote: »

Please see post #4



Post #24 was there purely for the benefit of others who may need the contact information. Apologies if that wasn't plain .

I'm not being loyal - I am simply getting the best cash back deal (recommended in Martin's e-mail at that time). I already had their Platinum Visa and simply changed over. If, however members can also bring pressure to bear on conglomerates to use a land-line number then that is fair enough.

To quote Martin Lewis: "It's about cutting bills not cutting back and being a sassy consumer. Companies try to screw us for profits. MoneySaving shows you how to (legally) screw them back."

I don't think I can put it any better than the man himself.


Regards,
Unity

I agree with the say no to 0870/0845 numbers...but..

if you can afford to have had a platinum Visa card , surely you can afford a 2p per minute phone call.

What`s the point of this thread , is about credit card companies or Telephone numbers?....

I would say you have a few options there.

uktim29

uktyler wrote: »

You obviously approve of them using Third World labour, you are a customer, I'm not.

So you value money above the people working in the Third World labour market?

Thats true, I'm using one with a call center based in the UK as well!

Obviously Unity doesn't really care, he is just using it as an argument, but yet out of the two of us he's the only one using a company the out sources to the third world anyway.

I don't know if Unity will understand though without this reply being in big coloured writing!

Unity

uktim29 wrote: »

So you're saying before companies out sourced they had no jobs and income at all.

So they're not exactly worse off then now are they.:rolleyes:

Yes, actually they are, because these call centres merely cover up the intrinsic problem. The only gain here is by the unscrupulous companies who do this - remember these employees aren't covered by our employment laws, pay and conditions and unfortunately they get flack from all angles.

They are disrespectfully spoken to by both their employers (because if they stand up for themselves there's another one in the queue) and by an awful lot of frustrated customers and let me pre-empt your next comment I am not one of these. I realise the problem doesn't lie with with the call centre worker and I'd be the first to admit that I wouldn't know where to start if I had to state my problem in their language and they have my greatest respect. This being said, stugib pointed out that these people are often graduates, and this is indeed the case - but it will also probably be the case that they won't ever get to use their degrees. I know that happens here too (like the old joke about the science graduate, the engineering graduate and the arts graduate) but not to the same extent - effectively they are caught in a poverty trap. Meanwhile the rest of the world is lulled into believing "Work Will Make You Free" and we all know where that one came from :eek:.

Unfortunately the words 'conglomerate' and 'altruism' are seldom comfortable bedfellows. Take a certain well known supermarket that does a lot of good work for cancer charities, until one of their employees presents with Non-Hodgkins Lymphoma and ends up sacked after a disciplinary hearing. Now I know you 'hate this compensation culture' and I have to agree that this 'Where, there's blame there's a claim' tag doesn't sit well with me either - but I'm sure you won't object to this particular person from pursuing the matter through the courts?

uktim29 wrote: »

Well why don't you use the American Express Platinum cashback card like I do, it pays 5% cashback for the first three months then 1.5% then after, which I believe is the best out of any of them. And guess what, like I said it doesn't have an 0845/0870 number!

If you look back in the thread, you'll see I thanked you for your previous post regarding this :T and it certainly is one to keep in mind for when my cash back comes in at the end of the year. The Capital One Mastercard was 4% cash back for the first three months, followed by 1% thereafter - the best deal on offer, according to this site, when I changed over.

uktim29

Unity wrote: »

Yes, actually they are, because these call centres merely cover up the intrinsic problem. The only gain here is by the unscrupulous companies who do this - remember these employees aren't covered by our employment laws, pay and conditions and unfortunately they get flack from all angles.

But it's simple, it's either better or worse than the position they were in before. If it's worse, they'd go back to what they were previously doing if anything, if it's better then they'll stay.

Unity

uktim29 wrote: »

But it's simple, it's either better or worse than the position they were in before. If it's worse, they'd go back to what they were previously doing if anything, if it's better then they'll stay.

We'll just have to agree to differ on that one then - but that's why the term 'Poverty Trap' was coined.:cool:

uktyler

Unity wrote: »

The only gain here is by the unscrupulous companies who do this.

And the companies only gain from it by taking money off their customers, i.e. you.

If the company is so unscrupulous, why do you use it?

Are you more interested in making money than caring for the welfare of the people in the call centre?