UOB receive a legitimate charge from StarHub.
They have to honour it.
At the time of application by your then wife, you allowed her to use your account to pay, and did pay happily. Why you agree is a private affair, none of UOB or StarHub business.Therefore all the transactions are legal. Your divorce is also a private affair, not for UOB or StarHum to take consideration.
Therefore for the charges to stop, StarHum must stop sending the bills to UOB. For StarHub to stop sending the bills they must receive instructions from the account holder, which is the ex-wife.
You agreed to a request by your then wife, which shows you have control over your account, now wait for your ex-wife to send in a request to stop charging, and they will notify you and ask for your consent. It is your account after all, is it not?
Originally posted by BabyOxide:These two have recently got on my nerves...
I own a card at UOB.
My ex-wife Owns a plan at starhub.
She used my card for recurring charge before we divorced.
We divorced.
She refused to cancel the recurring charge.
UOB cannot cancel the charge. (unless i cancel the card)
Starhub cannot cancel the charge, it requires her signature.
effecticly.. UOB and Starhub and ex-wife has frauded me...
cos i have no control over the payment cycle without causing great trouble of cancelling my card...
the problem is elevated, as I'm currently in australia and wont be home till a year later...
BEWARE OF UOB AND STARHUB... and if anyone could advice me on how to bring this case up to a fruad officer for consumer protection?
The issue is with you and your ex-wife.
CASE will throw out your case.
u chose your wife
tsk tsk tsk
1. Call UOB tell the to issue a new card meaning new number. why the hassle to cancel and reapply? 2. you just cant anyhow cancel the giro/recurring payment. put in this way you use the card for recurring payment get a service or goods from a company. You happily used it and call UOB to cancel the payment so in return you scam the company?
3. Same goes to the Starhub issue, what is the purpose of sign, put name put ic when whoever can call in to cancel? Account user and payment tend to be different things.
so point 1 is the best solution. screw the CS if they say cant.
just tell them you dont feel comfortable as you suspected your CC info was being comprised. so many reasons for them to issue a new card with different number.
Originally posted by BabyOxide:These two have recently got on my nerves...
I own a card at UOB.
My ex-wife Owns a plan at starhub.
She used my card for recurring charge before we divorced.
We divorced.
She refused to cancel the recurring charge.
UOB cannot cancel the charge. (unless i cancel the card)
Starhub cannot cancel the charge, it requires her signature.
effecticly.. UOB and Starhub and ex-wife has frauded me...
cos i have no control over the payment cycle without causing great trouble of cancelling my card...
the problem is elevated, as I'm currently in australia and wont be home till a year later...
BEWARE OF UOB AND STARHUB... and if anyone could advice me on how to bring this case up to a fruad officer for consumer protection?
Huh.. cancel your card lor... why you so dumb. A one time inconvenience is better than you dragging out this drama wat.
UOB is not the only bank can issue you credit card. Get another card lah.. wah lau. I have at least 2 cards sitting in my wallet, just in case some places don't take one of em.
UOB cannot cancel the charge if it's not a fraud charge. In your case, it is legit. Legit means an authorised charge request by your ex-wifey.
Seriously dude, stop acting like a dumb bitch, OK ? Good.
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.
Originally posted by killapple:cancel the card,and use the scanner to scan it over to you,so you can print and scan it back to sg.
but if the card rightfully belong to you.why cant you terminate the charges charged to your card?
secondly,your ex wive is being a bitch.
thirdly,consider all options.slowly get everything build up.im sure youd rather get charged a not so small amount instead of getting charged for things youre not using
this one in red is exactly WHY i'm so pissed off with uob
I called uob card centre...
i recorded the phone conversation
i own the Supp card, it has a starhub recurring charge on it
i ask the support to cancel and block the charge,
they say , they cannot do it. the only option is the cancel the entire card to block it (eg a change of card number)..
they gave another option, to call starhub, to ask them to cancel...
i called starhub, they cannot cancel it, because , i am not the owner of the mobile line that is using my card...
how stupid is this ?
Originally posted by Acx1688:Fyi
No bank in the world will cancel any card if there are still outstanding yet to be settled on the card.
If the bank does cancel the card, who will pay the outstanding?! The shareholders?! employees?!
it applies to every company in the world...
Please think before you fire off your email and start cursing and swearing...
An alternate situation will be as fellow forumnites say, fire off a lawyers letters with the outstanding amounts to be settled
Secondly, the bank has already given you a solution to cancel the card
From website, you can either
1. download the form and mail or
2. call the call centre to apply, if i am not wrong, if you are exisiting a/c holder, it will solve a few problems.
3. You can request the card to be sent to your mailing address in Oz
4. Your parents can still pay your bill in SG, just call them tell them the card number and the amount, they can pay at the branch or at any machines
Instead of whining away and going on and on, focus your energy to solve the problem
The more you delay, the more miserable you are.
Face it, it's YOUR EX-WIFE, you CANNOT Cling on ANYMORE...
Look forward and not backwards...
Yours is a extremely small problem which can be solved...
Look at the Japanese facing quadruple whammy:
1. Tsunami
2. Earthquake
3. Nuclear Exposure
4. Stagnating economyAs this email is being type, there are Japanese facing hunger, shelterless and radiation overexposure[Fukushima50 and others]
So what is your problem now?!
Take action and stop procrastinating
maybe i'mn not writing it correctly
the problem is NOT my ex charging me
the problem is NOT about footing the bills
the problem is NOT whining about who gonna pay the fken bills...
I GLADLY pay whats left of it
what i am PISS OFF is, the bank gives me no right over my own card to cancel or block a single charge, but rather the option to cancel the card and go thru all the painful process of re-instating the card...
WHY DOESNT ANY ONE GET IT ???
i dun care if i have to pay the stupid bill
I AM JUST CONCERN,,, WHY DOESN:T THE FCKING BANK GIVE ME THE AUTHORFITY TO CANCEL A CHARGE...
AND WHY STARHUB.... NEEDS THE APPROVAL OF THE MOBILE SUBSCRIPTION USER TO CANCEL THE PAYMENT , AND DOES NOT ALLOW THE OWNER OF THE CARD TO CANCEL THE PAYMENT....
imagine this scenario, for some reason i used YOUR CARD, to subscribe to a phone line at starhub... YOU HAVE NO RIGHT TO CANCEL THE PAYMENT ON YOUR CARD, bcos uob doesnt let you, and starhub needs my signature, THE ONLY WAY U CAN DO IT, is to completely cancel your card, and worse of all as someone mentioned earliar in the post, YOU CANNOT CANCEL the card if you have pending debts on it... WHICH MAKES THE MATTER WORSE, (but that is not my case)
again i repeat,
MY CONCERN IS,
WHY DOES UOB NOT GIVE ME THE RIGHT TO CANCEL A SINGLE CHARGE ON A CARD THAT I OWN ???
OR STARHUB NOT LETTING THE PAYER, OWNER OF A CARD, CANCEL A PAYMENT, WHEN HE DOES NOT OWN THE SUBSCRIPTION LINE....
Originally posted by Impul:1. Call UOB tell the to issue a new card meaning new number. why the hassle to cancel and reapply? 2. you just cant anyhow cancel the giro/recurring payment. put in this way you use the card for recurring payment get a service or goods from a company. You happily used it and call UOB to cancel the payment so in return you scam the company?
3. Same goes to the Starhub issue, what is the purpose of sign, put name put ic when whoever can call in to cancel? Account user and payment tend to be different things.
so point 1 is the best solution. screw the CS if they say cant.
just tell them you dont feel comfortable as you suspected your CC info was being comprised. so many reasons for them to issue a new card with different number.
i agree, with you, but the process of getting a new card is tedious...
you make a valid point (highlighted)
but considering, you are the giro applicant, and owner of the card, why do U need the USER of your money to grant any authority to stop a payment that you are paying ? doesn;t the payer has the final legal right ?
any furthur debt should then be laid on the user of the phone line...
---------------------------------
jojobeach,
yes it is legit charge, u can make a giro payment, and u cancel it, in this case, starhub is making a giro payment request on the card...
doesn;t the owner of the card (with forms or whatever is necessariy) be able to cancel the payment? WHY must the owner of the subscrition be the one to cancel ?>
why can;t the owner of the payment order / card have the legal right ?
------------
i just realise i included the ex-wife in the topic,, which probably created the confusion
its basically a simple debate of UOB and starhub, not giving the payment giver the proper rights in handling any incidents
i think nobody know anything about payment gateway. between uob and starhub is another company to do transcations. do you think they can happily do what you ask them to do without the proper processes? singapore banking industries is one with the most red tapes. wake up your idea. you want to complain try complain to MAS and see what you get.
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 GIRO application is successful, to cease the GIRO payment, Starhub has to submit a "termination". Thus, the reason why UOB is requesting you to contact Starhub.
Reference - http://www.abs.org.sg/cms/images/giro/IBGProcedures.pdf
Stopping GIRO requires the BO (Starhub) to stop sending the payment instructions, thus, Starhub's authorisation is required for UOB to stop the effective payment.
In your case, since Starhub account is your ex-wife's account.
You can:
1. Take legal advice from a solicitor to request your wife to terminate the GIRO instructions in letter, thereafter sueing her in court when your wife refuse to do so.
2. Terminate the credit card or request for a new card number.
Seriously, you can scream all you want in the forums, but this is how GIRO works. The GIRO instruction cannot come from your bank.
Sidenote: I had a similar issue before, however, Citibank does "honour" stoppages of payment for GIRO instructions. However, you cannot assume all banks will honour stoppages of payment.
Read the T & C again.
You agree to pay all charges to your account, whether from principle card or supplementary card.
The Giro payment is a legitimate charge.
You have to pay it. Please pay it happily.
To cancle the Giro order, kindly get your ex-wife to do it. How on Singapore (earth)can your cancel someone else Giro instructions.?
Like this your supplementary card holder buys something, take the thing, and then you call the bank says it is your card and you want them to cancle the charge. And ask them why cannot since it is your card.
Giro is the same, your ex recived the service, StarHub charge, since it is every month, the Giro application make the charge automatic, but it is still the same principle as buy an item and charge.
The matter can be solved very simply, just ask the supplementary card holder to stop using the card, for shopping or Giro payments. Or just pay happily. If all cannot, cancel the card lor.
The problem now is you.
Burnt down the house lah
no no no
u all dun understand de lah
i m right
i think i am right can liao
u all say watever oso no use, cos i am right! and u all dun understand de!
Understand...i understand, you go right, i go left lor
You are all right, right?
Originally posted by BabyOxide:
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...
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...
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....
Originally posted by likeyou: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....
Originally posted by lemon1974: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 ?
Originally posted by BabyOxide: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 ?
You are right, they ( Starburb) should NEVER had allowed you to pay for your "then wife" account with your credit card.
I mean seriously, you guys were still sleeping together back then, they made life easy for you ... but now that you and her are no longer married.. the pain they (Starburb and UOB) had to go through to clean up the mess...
Your "then" wife, shoulda used her own card with HER name on it to pay for the account.
Frankly, why didn't you use your card to start an account in YOUR name before ? It's still a working account, doesn't matter who uses it right ? I mean c'mon, you decided to complicate matters in the first place. Then now you bitching about how complicated they made your life now ??
I'd suggest you call up the credit card cancelation department and tell them if they value you as a customer, they'd bend over backwards for you. Some of the credit cards actually do, FYI.
Competition is a good thing. That's why I never stick to only one card. When I tell my credit card company to F off.. they actually do some nice shitz for me.
But then again.. I am a customer they love to keep. I'm not sure what kinda credit card holder you are.. maybe they don't do nutz for you because you are a bad client...
Another alternative is to haul your ex-wife to court and make her back pay you. She'd be running to Starburb as fast as her little kitty heeled feet can carry her.....
yalor, my sista jojo is the best, TS is the one who create his own trouble, kind of like enjoy sex but dunno how to the clear the rubbish. Starhub contract is alway 2 years, if can wait, after the 2 years end, starhub will start to look for signature, if you not there, end of the story for ur ex wife. Take it as a divorce gift lah
You already go through divorce and everything .... a little more paper work will not kill you !!!
For god sake - just cancel the damn card and done with it.
yalor, you dun pay, who dare to ask you to pay...