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Bit Of A Yarn

Account Deposits


nomates

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I see the TAB have finally woken up and have stopped charging people for depositing money into their accounts by credit card . What's changed ? 

They have clung onto this dinosaur piece of business in the face of a huge number of complaints over the years . Have deposit rates dropped ?

Something positive i suppose , but it's something else that just seems all a little bit late .

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42 minutes ago, nomates said:

I see the TAB have finally woken up and have stopped charging people for depositing money into their accounts by credit card . What's changed ? 

They have clung onto this dinosaur piece of business in the face of a huge number of complaints over the years . Have deposit rates dropped ?

Something positive i suppose , but it's something else that just seems all a little bit late .

Maybe they think it will combat all the agencies that are currently closed.

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1 hour ago, nomates said:

I see they are offering a $10 bonus bet for any deposit over $10 . Suddenly not charging for deposits is their focus , go figure , maybe if they had talked to some punters many moons ago they would have got this crap sorted years ago .

Must lost a few customers over it. Why most likely woken up. Since been clipping the ticket for years.

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36 minutes ago, Gospel of Judas said:

Must lost a few customers over it. Why most likely woken up. Since been clipping the ticket for years.

Guaranteed they have but it's all a bit too late now , like the loss of radio coverage and form guides and hiking minimum bet amounts , they all take they're toll and add up . I hate to think how many regulars have walked away , i know of 5/6 myself .

Was looking at betting on races today at Taupo and tote betting on most races thru all pools was adding up to  barely 40k a race , so i hope they were putting a shit load thru the bookies .

Tote betting has been very poor for a number of months now , even Saturday pools aren't close to what they used to be .

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10 minutes ago, nomates said:

Guaranteed they have but it's all a bit too late now , like the loss of radio coverage and form guides and hiking minimum bet amounts , they all take they're toll and add up . I hate to think how many regulars have walked away , i know of 5/6 myself .

Was looking at betting on races today at Taupo and tote betting on most races thru all pools was adding up to  barely 40k a race , so i hope they were putting a shit load thru the bookies .

Tote betting has been very poor for a number of months now , even Saturday pools aren't close to what they used to be .

They do pretty well on fixed odds , as totes so small and so much punting into them. Barely have tote bet these days, 95% fixed odds bets, bar odd trifecta or  queenlia. Know good 5 walked away don't see a point anymore.

Edited by Gospel of Judas
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52 minutes ago, Chief Stipe said:

Is that 1/6th left the part with your wallet?

I can tell you that at least 3 of them would have turned over a grand each on a Saturday , they were hard working , hard drinking and loved a bet , how many like these guys have been lost to the TAB , that adds up , big time . 

But things are great so stay positive .

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During Bayliss's role as the NZ TAB he and his ex Banking mates he appointed as GM's introduced the credit/debit card fee as a form of revenue. Merchant fees that Companies charge to customers are only supposed to recover the cost that Banks charge the companies to perform the transaction. All Bookmakers and overseas TAB's along with Casinos incur the cost themselves. 

Last years Financial Results stated Merchant Fee Expenses were $5.7 million and were recovered with the Credit/Debit Fee charge to customers.  Yes it's good for customers on a cost that many punters loathed paying. Getting charged a fee for funding ones account to then be further taxed when generating turnover to fund the operations of a Company = getting bent over. Most customers would be saying its not the amount but the principle. 

So the good news is it's gone after it should never have got introduced the bad news is exactly how are the TAB going to find $5.7 million to balance the cost now there are no longer card fees.  

In 2018 Research by Retail NZ found that Merchant Fees were on average 1.6% of the transaction of a credit card and 1.2% for debit cards. High volume card transactions Companies receive discounted charges on transactions fees.

Customer on the above % merchant fee charges on a $20 purchasing : Credit card =.32 cents, Debit card = .24 cents and NZ TAB $2.15 which equates to just under 11%. High volume TAB customers eg Elites don't get charged the fee which I agree with but its the poor average Joe Punter who was getting it stuck up them and basically subsiding the no charge to Elites and adding to the TAB profit.

Companies can charge a set fee for merchant fees eg the TAB but they must be able to justify the cost vs fee charged. 

In Previous years Financial Accounts Merchant fees as they should have been due to the cost were separately listed in Expenses. $1.00 no money back only that this years Financial Accounts the cost will be hidden in Expense stated as other expenses. If you can't work out why don't ever consider a job in accounting.

The TAB are trying to make out they are the good guys but the bottom line is if they didn't make the changes some serious questions would have been asked by the Commerce Commission.

https://www.stuff.co.nz/business/125098570/government-to-introduce-law-to-tackle-merchant-fees-saving-businesses-up-to-74m#:~:text=“We are also capping the,stay at 0 per cent.”

 

  

sd.jpg

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The TAB operate like some power companies who offer great deals to customers who have accounts with rival companies but the loyal customers who have been with them for years don't get looked after. When that loyal customer gets approached by another Company with a better deal than they currently have and agree to sign up once they advise their old provider they are moving as getting better looked after then and most times that Company comes back and says we will match them but the as they say the horse has bolted and Customer says $%^& you.

Talk to many punters and they say they were dirty with the TAB's customer service and get better looked after overseas and have no intention of ever again giving their hard earned to the NZ TAB.

They can make more excuses than a jockey but the bottom line is a monopoly situation run by clueless Senior management of the Racing and Wagering Industries over the past 12 plus years made the TAB a lazy and complacent Organisation who has focus and direction.

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Read this story and weep while remembering that Bayliss was appointed along with his ex Banker mates to TAB management a year prior to the story's date (2013).

Excerpt from story below: All banks contacted said they did not impose a fee for merchants accepting debit card payment. ($#%k me)

https://www.stuff.co.nz/waikato-times/8397528/Retailers-hit-card-users-with-unjustified-fees

So no banks imposed a fee for debit card fees yet the NZ TAB lied to customers saying the $2.15 was a fee to recover the cost imposed by banks as merchant fees on debit card transactions. Lied and committed fraud by claiming non existent fees and they want customers to come back and bet with them yeah right. 

Low life thieves.

A fee set to increase profits as no doubt Bayliss and his mates had no idea or clues on how other to do that in the wagering world.

Edited by NZRacing
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The TAB should be held to account and made to repay customers every debit card fee they charged customers. Banks were made to do that on similar situation and the TAB should be treated no differently. 

Quote

We have some great news to share with all TAB customers. We have removed credit/debit card fees from deposits made with the TAB!

And to celebrate, we are offering all customers a one-off deposit offer.
 

Years of screwing their customers on non existent fees yeah we are celebrating that fact.

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14 minutes ago, NZRacing said:

So no banks imposed a fee for debit card fees yet the NZ TAB lied to customers saying the $2.15 was a fee to recover the cost imposed by banks as merchant fees on debit card transactions. Lied and committed fraud by claiming non existent fees and they want customers to come back and bet with them yeah right. 

Some one should take a class action and get the money refunded back to account holders.  Been done against banks for excessive charges.

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Some one should take a class action and get the money refunded back to account holders.  Been done against banks for excessive charges.

Ha funny you posted that as I just got a call from a mate who got that worked up when he read the Stuff story he said he is phoning the Commerce Commission to make an official complaint and is going to demand an investigation is carried out as it involves millions of dollars obtained by fraud. Be a great story for the media: NZ monopoly organisation increased profits by millions each year by imposing non existent transaction fees on its customers.

The legal definition of fraud describes it as a dishonest activity that causes a financial loss to an individual, company or corporation. To be considered fraud there must be an intention to deceive at the time of the incident.      

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My mate phoned the Commerce Commission and was advised as to what steps to take to initiate an out-opt class action which means all those involved will be part of the case unless they opt out of it.

Mate said 

Quote

We all need to unite and do this

 

  

Told him to start proceedings as there won't be much trouble finding people who will support it. 

A Government Regulated business screwing its customers over will make good headlines. The NZ TAB has in-house lawyers and allows crap like this to happen $%^k me

 

Edited by NZRacing
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If a punter used his debit card to fund his TAB account on average once a week over a year it would incur fees totaling $111. Over 8 years of paying that totals $894. This is fees paid for supposed Merchant Fees charged by Banks which according to that Stuff story never occurred.

If the above applied to me as a customer 100% I am taking the Party concerned to task seeking full re-payment and who wouldn't when your talking hundreds and possibly thousands of dollars that was effectively claimed by financial deception on each customer over a period of time. 

https://www.nzherald.co.nz/business/class-action-launched-against-asb-and-anz-banks/26USJSCM3TBGXYFFVXOVQ6RSJQ/?fbclid=IwAR2A66VbWCAvLN4rSrA6LMu8TbZvcwasl0aYFIb5zqDfuqCyxqFIDwu-o1w

Edited by NZRacing
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