Postal Strike

JLM

Hall of Fame Member
Nov 27, 2008
75,301
548
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Vernon, B.C.
If you're silly enough to let a greedy company go on unrestricted plundering trips through your bank account, you deserve the robbery you're inviting. Case in point? Hydro One....


To be quite frank, I'm having a hard time understanding that post. I've been doing it for years and have found it cheaper than the alternative methods. My bank doesn't charge me any transaction costs. I suppose a younger person could opt for an 83 cent stamp plus the cost of getting to the mail box or to the business issuing the bill. Any plundering the banks might do is charging you a $ when you pay the bill at the cashier's cage. However if you do happen to know of another method of paying a bill that is cheaper than mine, I'd be happy to hear it. One other advantage I find with the automatic withdrawal is you never miss a payment or make a late payment through forgetfulness. :)

PAD is great if you are on equalized payments otherwise pay through a bank app.


Old codgers have a hard time contending with the technicalities of such high tech methods. :) :) PAD is a place to crash. :) :) :)
 

petros

The Central Scrutinizer
Nov 21, 2008
117,707
14,391
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Low Earth Orbit
PAD is a pre-authorized debit.

HydroOne has zero integrity and charge whatever the f-ck they want and yank it from your Acct. using PAD
 

lone wolf

Grossly Underrated
Nov 25, 2006
32,493
212
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In the bush near Sudbury
Once you have authorized an entity free access to your bank account, the bank will honour any amount they submit because they're a business and they're all honest and pure as the driven snow. When a crook decides it made a mistake and underbilled you, or your rate has increased (as they so often do) so they want more - backdated if they can get it - they'll take it with no notice. That can lead to some nasty surprises in the checkout line when, for no particular reason known unto you, your account is NSF.
 

IdRatherBeSkiing

Satelitte Radio Addict
May 28, 2007
15,269
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Toronto, ON
Get with the times, Walter, they have this new system now, actually had it for a few months, where if you keep some money in your bank account and send the owee a voided cheque they can actually make arrangements with the banks to have the balance transferred from your bank account to theirs on the appointed date it's due. Works slicker than snot on a rail! :)

Never give anybody direct access to your bank account. They will draw out whatever they choose. If you dispute a bill, you will be without your money not them. Just doing a bill payment online is fine. Most companies will send you an e-mail telling you either what is owed or letting you know to read your statement their website.
 

Dixie Cup

Senate Member
Sep 16, 2006
6,337
4,039
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Edmonton
We pay all our bills on line and have a payment schedule of what is due when. I would Never give anyone direct access to our accounts!
 

JLM

Hall of Fame Member
Nov 27, 2008
75,301
548
113
Vernon, B.C.
We pay all our bills on line and have a payment schedule of what is due when. I would Never give anyone direct access to our accounts!


I guess most of mine are a carry over from another time & in 30 years or more I've been doing it I've never once had a problem. I bank with CIBC and they've always been reputable as far as I'm concerned. There is the possibility for an unscrupulous creditor to rip you off- but that's OK, they'd only do it once. Leaving your car parked in front of their business with a big sign on it for a couple of hours can work wonders. :) :) :)
 

taxslave

Hall of Fame Member
Nov 25, 2008
36,362
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Vancouver Island
Their package delivery is quite convenient. They have many local postal outlets for easy pick up of signature shipments.






Ya, I'd like to see you do the job for that pay. Hypocrite.

That is why I got an education and a real job. Fact is that is all menial labour is worth. Just like selling fries is a minimum wage job.
 

IdRatherBeSkiing

Satelitte Radio Addict
May 28, 2007
15,269
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I guess most of mine are a carry over from another time & in 30 years or more I've been doing it I've never once had a problem. I bank with CIBC and they've always been reputable as far as I'm concerned. There is the possibility for an unscrupulous creditor to rip you off- but that's OK, they'd only do it once. Leaving your car parked in front of their business with a big sign on it for a couple of hours can work wonders. :) :) :)

It's not your bank. Its your utility company. Say they send you a bill for $3000 for one month (an error). They would just take your $3000 from your bank. CIBC would not be able to stop them because you have given them permission. You would fight the utility and maybe get a refund eventually. But during the dispute they would be holding on to your money. And who knows what else the money may have been designated for (food, shelter, etc.).
 

JLM

Hall of Fame Member
Nov 27, 2008
75,301
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Vernon, B.C.
It's not your bank. Its your utility company. Say they send you a bill for $3000 for one month (an error). They would just take your $3000 from your bank. CIBC would not be able to stop them because you have given them permission. You would fight the utility and maybe get a refund eventually. But during the dispute they would be holding on to your money. And who knows what else the money may have been designated for (food, shelter, etc.).


Yep, there's definitely a loophole for abuse alright! So far nothing like that has happened but I likely won't make the same arrangements in future with other companies. With online banking you can make payments dated in advance, which I do a lot from my L.O.C. that way bills don't get forgotten the cash is always on hand for the payment.
 

Kreskin

Doctor of Thinkology
Feb 23, 2006
21,155
149
63
It's not your bank. Its your utility company. Say they send you a bill for $3000 for one month (an error). They would just take your $3000 from your bank. CIBC would not be able to stop them because you have given them permission. You would fight the utility and maybe get a refund eventually. But during the dispute they would be holding on to your money. And who knows what else the money may have been designated for (food, shelter, etc.).
The bank can have the client sign a declaration stating that the transaction is unauthorized. Funds would then be requested from the company. The company could deny the refund if the item/amount is legit. If it was an error they are required to return funds, as per CPA rules. That process can take a week or two to complete so the customer is still inconvenienced for a period of time.

Companies like Hydro aren't generally a problem. Worst are places like money/payday loan outfits.
 

JLM

Hall of Fame Member
Nov 27, 2008
75,301
548
113
Vernon, B.C.
The bank can have the client sign a declaration stating that the transaction is unauthorized. Funds would then be requested from the company. The company could deny the refund if the item/amount is legit. If it was an error they are required to return funds, as per CPA rules. That process can take a week or two to complete so the customer is still inconvenienced for a period of time.

Companies like Hydro aren't generally a problem. Worst are places like money/payday loan outfits.


Or Fortis or Shaw or Investors Group!

"Worst are places like money/payday loan outfits."


There's probably 100 reasons why those bastards should be in jail! :)
 

B00Mer

Make Canada Great Again
Sep 6, 2008
47,127
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Rent Free in Your Head
www.canadianforums.ca
My reaction to Canada Post strike...

www.youtube.com/watch?v=Hox-ni8geIw

Oh Canada!! :canada:

Everything is done by email or online bill pay. Phuck Canada Post!!!

Canada Post is extinct... no reason to save this money pit to taxpayers. Give'm all the pink slip.

The only think keeping Canada Post alive is Junk Mail..

 

Corduroy

Senate Member
Feb 9, 2011
6,670
2
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Vancouver, BC
The purpose of a strike is for workers to assert their power and necessity to their employers. When a private sector union goes on strike, the owners of the business suffer along with the workers due to loss of work. When a public sector union strikes, the government and the public suffer from the lack of services the striking workers would normally provide. So if you say Canada Post is useless, then their strike should only negatively effect Canada Post workers. And if the free market is God, everything will sort itself out. So let the strike go on for months and see if anyone needs Canada Post. You might be surprised. The Conservative government legislated Canada Post back to work in 2011 for a reason.
 

IdRatherBeSkiing

Satelitte Radio Addict
May 28, 2007
15,269
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Toronto, ON
The purpose of a strike is for workers to assert their power and necessity to their employers. When a private sector union goes on strike, the owners of the business suffer along with the workers due to loss of work. When a public sector union strikes, the government and the public suffer from the lack of services the striking workers would normally provide. So if you say Canada Post is useless, then their strike should only negatively effect Canada Post workers. And if the free market is God, everything will sort itself out. So let the strike go on for months and see if anyone needs Canada Post. You might be surprised. The Conservative government legislated Canada Post back to work in 2011 for a reason.

2011 was ages ago. I think a lot more people are now online. Also, if Canada Post is making the money some claim it is, since it is a crown corporation, disruption of that service will affect the government revenues. That may also be a reason to legislate workers back to work.

Technically this will be a lockout however. The employer is taking the initiative and preventing the workers from working and collecting their wages. Not sure how that factors into the various decisions.
 

Liberalman

Senate Member
Mar 18, 2007
5,623
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48
Toronto
The purpose of a strike is for workers to assert their power and necessity to their employers. When a private sector union goes on strike, the owners of the business suffer along with the workers due to loss of work. When a public sector union strikes, the government and the public suffer from the lack of services the striking workers would normally provide. So if you say Canada Post is useless, then their strike should only negatively effect Canada Post workers. And if the free market is God, everything will sort itself out. So let the strike go on for months and see if anyone needs Canada Post. You might be surprised. The Conservative government legislated Canada Post back to work in 2011 for a reason.

Canada Post locked the workers out then legislated them back to work in 2011.

The government of Canada has to stop this madness of strikes every couple of years.

1) Convert Canada Post back to a government agency like it was before 1982
This would eliminate the $10 million plus a year for the pesident and board members saleries.

2) Make Canada Post an essential service which would eliminate labour strikes permanently.

3) Canada Post should introduce more revenue streams so that the taxpayer never has to fund it.

Canada Post still is a moneymaker and gives the best value for the people that use it.

Don't get fooled by businesses threats of leaving Canada Post permanently the compition is just a Plan B for them but they all come back because the economical postal rates improves the bottom line.

As for emails because of spam blocker programs even the good emails disappear and as for paying online bank service charges make snail mail more cheaper.

Paying bills through the post office gives you the excuse to say "It's in the mail"
 

gerryh

Time Out
Nov 21, 2004
25,756
295
83
The Union has not threatened strike. Canada Post, however, has stated they will lockout workers, probably by this friday.
 

JLM

Hall of Fame Member
Nov 27, 2008
75,301
548
113
Vernon, B.C.
The only think keeping Canada Post alive is Junk Mail..



It still has to be delivered in a timely fashion regardless. Most of it here comes with the Newspaper.

The Union has not threatened strike. Canada Post, however, has stated they will lockout workers, probably by this friday.


I think that is a little mean spirited. About 6 people get their mail at my address and I can vouch that about 50% or more of it is first class mail. Also I've gotten to know a couple of the local carriers and their job is no "bowl of cherries". I live on a steep side hill.
 

darkbeaver

the universe is electric
Jan 26, 2006
41,035
201
63
RR1 Distopia 666 Discordia
Mail or desth, deliver or die. That is your mandate, good luck.

god bless Canada poast

I/d kill to preserve Canada post, the mail is sacrosnact,

[t's not about fidh, it;s about the mail,
 

pgs

Hall of Fame Member
Nov 29, 2008
28,560
8,158
113
B.C.
My reaction to Canada Post strike...

www.youtube.com/watch?v=Hox-ni8geIw

Oh Canada!! :canada:

Everything is done by email or online bill pay. Phuck Canada Post!!!

Canada Post is extinct... no reason to save this money pit to taxpayers. Give'm all the pink slip.

The only think keeping Canada Post alive is Junk Mail..

But that junk mail actually allows them to make a profit . Imagine that .