UOB & Starhub & Ex-Wife

last SG · 2011-03-19T23:28:01+00:00

Few things to note.Interbank GIRO System (IBG) - Takes payment order from the originator of payment request.In your case, Starhub is the originator. Once the...

mancha SG

You are all right, right?

Acx1688 SG

i tink you want to insist on your ways of doing things to satisfy your ease of use w/o thinking that there are SOPs of all organisations that has to follow to abide by MAS/ABS ruling.

Fren, i encounter your situation before, i pester my ex to cancel her supp card[given by me] for close to 3months before she happily do it...

In your case, pls
1. get a lawyer to do it,
if nt talk to her
if not speak to her close frens and ask them to talk to your ex-wife and settle it once and for all and everyone to move on...

BabyOxide SG

acx1688,

the supp card is in my name ... not hers...

I use my card to pay her recurring bill...

if i was the main card and she is the supp card... she can cancel her card, i also can cancel her card bcos i am the main applicant...

this was not the actual scenario, but i held a supp card and my mom was able to cancel my supp card, because of fees and i no longer need it...

so the main applicant of the card has rights... which is logical...

----

i think most of you guys probably answered my question. the problem is the ruling... which is considerably illogical...

simply put, i have no rights over my card and whoever use it to make recurring payment... eg: the moment i let someone use my card to pay recurring payments...

i, under law, gave up my rights to the cards intended use... have no control over who is taking money from the card..

i however, retain the right to cancel my card

---

now heres the part where it may not make sense...

i cannot cancel a charge, but i can cancel the card

so by some of your examples, i can still deny payment to a large company... and perhaps "scam" the company?

eg:

making a payment with my card and then cancel my card ( allowed)

as opposed to

making a payment with my card and then cannceling the charge... (bcos of STUPID rules, not allowed)

----------------

anyway this case is similar to giro BUT it is not giro

as for giro payment , i might be mistaken, but i recalled cancelling giro payment via the bank, for my insurance...

i called the bank and ask the bank to cancel the recurring giro on my bank account.

i DID not have to go to the insurance company,

the bank gave me MY RIGHTFUL rights to cancel a charge on my account...

--------------

uob however, does NOT allow me to cancel a charge, NOT on my account, but rather, on my card..

---

i understand SOPs whatever red tapes they have... most are logical and is there to protect the client and the provider....

this particular one protects the tertiary user, not the main user... and if its anyway useful to the main user, its one that creates a problem on top of another problem...

lemon1974 SG

so you hold the supp card? who is the main card holder? your mum? then should be able to just simply ask your mum to cancel the supp card . whatever charges incurred cant be reversed....

BabyOxide SG

I dont understand why it is so difficult to cancel everyting at one go.

Called Starhub and uob, terminate whatever account you have with them.

Going forward, do not have any account or dealing with the them.

Simple as that.

you guys come home from a hard days work, get online and begin to help others...

BUT you do not study the problem properly or correctly.... maybe english isnt your first language...

I CALLED STARHUB, i cannot terminate an account which does not belong to me

althought the card belongs to me, BUT, i cannot cancel the payment bcos the starhub account does not belong to me....

BabyOxide SG

so you hold the supp card? who is the main card holder? your mum? then should be able to just simply ask your mum to cancel the supp card . whatever charges incurred cant be reversed....

that is the only way out for me, its not the simplest one, i do not care about reversing the charge, i simply want the recurring option to end...

but given, the starhub account IS NOT mine, the card use to pay IS mine, the money IS mine, but i have no rights to stop future payments....

this way out simply avoids confronting the the underlying problem of not having your rightful control of your own card...

as said in another post, i dun see a difference with regards to redtapes and such...

you can cancel your card, but you cannot cancel a "recurring charge"

uob probably sees it as a one time charge, hence you cannot cancel it.

on the starhub side, its probably a starhub "automated payment facilities" that turn this into multiple monthly charges that appears as a single charge each month

in this case then, starhub does not give the owner of the card the right, but rather gives the owner of the account the right to use someone else card indefinitely. and provides no support to terminate the payment...

in fact, when i called starhub, its really amusing that, they can pick up and see the name of the account holder, is different from the name of the card holder, but they provide no 3rd party card holder cancellation forms, etc...

they howevere, provide forms for account holder to cancel the charge

thus to the topic of rights, basically, the NON-Paying-Party has more rights that the Paying-Party

doesnt anyone find that illogical ?

jojobeach SG