Comments for Searching for a Unifying Theme

Comment on The Floating Village – Tonle Sap Lake, Cambodia by Jeff Genest

Jeff Genest — Sat, 12 May 2012 14:42:14 +0000

Interesting! I saw this same boy floating in the cooking pot when I sailed through the village in August 2006. He’s younger in my photo and I didn’t notice the stub where his arm should have been until much later.

Comment on The BEST Mechanic in Ottawa by Adrian Bashford

Adrian Bashford — Fri, 06 Jan 2012 21:45:22 +0000

Thanks for your feedback! I have no doubt he already has many happy customers, but having a couple agree here will probably help him get even more!

Comment on The BEST Mechanic in Ottawa by MinnieWinnie

MinnieWinnie — Fri, 06 Jan 2012 21:35:48 +0000

I’m in full agreement…thanks for the recommendation. He took good care of us and our car. He was as nice, and honest as you said. Andrew is a great guy! Finally an HONEST mechanic in Ottawa!

Comment on RBC VISA Policies: Watch Out for “Overlimit Fees!!” by Laurie

Laurie — Mon, 28 Nov 2011 04:36:59 +0000

I get trying to prevent “embarrassment” at the terminal, however when a $35 purchase is declined, and then a month later (after payments and such) a $25 purchase is declined, yet a TWENTY SIX THOUSAND dollar charge is ok’d? Sorry – that’s just way too fishy.

Comment on RBC VISA Policies: Watch Out for “Overlimit Fees!!” by random

random — Sun, 27 Nov 2011 09:51:38 +0000

First of all the access of going over limit is a protection from embarrasement at the POS terminal and if there are pre auth services trying to access funds and are not able to can charge u up to 45$ in NSF fees from that service provider. Also if all the available credit it gone, interest needs to be applied somehow. If you happen to pay the obverlimit fee it increases your credit score with the credit bureau , showing them your need for money. And it shows the willingness to pay back more of what you should have never even spent in the first place. Removing the possibility of going overlimit is an option.

Comment on JBPDT 2010* – Day Three: Dieppe, Pegasus Bridge (WWII) by JBPDT 2010* – Day Four: Juno Beach (& Centre), Courseulles/Berieres/St. Aubin-sur-Mer & Beny Canadian Cemetery (WWII) « Searching for a Unifying Theme

Wed, 20 Jul 2011 04:29:03 +0000

[...] field. Near the field was a memorial to the 14th Field Regiment, Royal Canadian Artillery. In the day 3 post, I had mentioned Garth Web, President and Director of the Juno Beach Centre. It was in this field [...]

Comment on RBC VISA Policies: Watch Out for “Overlimit Fees!!” by Laurie

Laurie — Fri, 08 Jul 2011 18:20:48 +0000

Here’s another something to chew on for “overlimit” fees. I had a visa with a maximum credit limit – knowing I might be able to go a bit over I tried to be careful to keep it under. Unbeknownst to me, the bank (and a specific vendor) have the ability to “force” a charge through. On my $4000 limit they pushed through a charge of over $26,000 (yes, six times my credit limit), now are demanding payment of that (still disputing it), and charging outrageous fees.

I get people going a bit over their limit, but six times seems a bit much.

Comment on The BEST Burger Joint in Ottawa: Burger & Shakes by Date night: Now…that’s a burger «

Date night: Now…that’s a burger « — Sat, 30 Apr 2011 22:12:56 +0000

[...] is surrounded by a mini putt, a driving range, a picnic table area and soccer fields. I had read reviews about the awesome burgers and fresh ingredients so I was really excited to try it for myself. [...]

Comment on RBC VISA Policies: Watch Out for “Overlimit Fees!!” by Adrian Bashford

Adrian Bashford — Fri, 25 Feb 2011 16:49:15 +0000

While it would be nice to think that all seniors had a ‘Kate’ in their lives to keep an eye on these things, we know it isn’t true. With so much money involved, it is hard to believe that the card companies will change their ways.

Legislation is probably the best approach, and starting with seniors would probably get a lot of popular support. Nobody wants to think about their grandparents getting ripped off!

Comment on RBC VISA Policies: Watch Out for “Overlimit Fees!!” by Kate

Kate — Fri, 25 Feb 2011 16:32:03 +0000

I was surprised that RBC Visa would do such a low level attack on seniors and people who don’t actually check their statements and to think that these people–are people who trusted the bank for doing the right thing. There’s no denial that people do overuse their cards and would go over the limit, but for the bank to issue a minimum payable amount which is below your overlimit amount, not warning them and yet charging them $25 for going over the limit is disgusting. A Senior I worked with was so worried about her finances so she decided to ask me for help. Apparently, on top of the overlimit fee of $25, she was also charged another fee called Balanced Protector Service Charge that increased further her overlimit amount. We phoned RBC Visa, spoke to a CSR, got both overlimit fee $25 plus the balance protector service charge waived. I got curious so I went through her previous statements. To my surprise, I found 6 to 7 consecutive $25 monthy overlimit charges in her account. All of these statements have indicated minimum payment amounts which are way below the overlimit amounts. Although she was religiously paying her minimum payable, she wasn’t really paying enough to get rid of her overlimit amount. We phoned RBC Visa again and spoke about the anomaly in the way they issue their minimum payables. The CSR refused to waive the other overlimit charges and had actually disputed that the company was following the contract agreement. The contract has indicated how the minimum payable is being calculated and people have signed and agreed to the contract. Is this legal? How can we collect all of these overlimit charges back? This sounds really more like a scam to me. The seniors are so vulnerable in this case.