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ianguygil

Member Since 2009-08-13
Offline Last Active 2012-02-17 16:48

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In Topic: Banking For Americans In Thailand 101

2012-02-16 18:51:32

TallGuyJohninBKK, on 2012-02-15 21:45:48, said:

No problem, Ian.. I'll let you get back to your translating work... I know it's a tough job... going from Thai to English. If you or Dave need some help, I can ask my housekeeper to pitch in for you... I'm sure she'd be happy to assist.

Meanwhile, I wouldn't want to waste another opportunity to remind folks here that Thai banks typically have a policy that holds their bank card holders responsible for all fraudulent charges up to their credit limit for credit cards or account balance for deposit accounts prior to whatever time they notify the bank in the event their card is lost or stolen -- even if they don't realize the loss or theft right away.

Based on experiences like the one reported by the ThaiVisa member in the thread linked above, BKK Bank appears to have the same kind of policy... But unlike many other banks, BKK Bank doesn't even have the courtesy to post their policy on their website so their customers can be informed of it.

And it's now been about two months since the bank's reps here promised to provide such a cardholder liability policy, and none has been forthcoming -- in English or in Thai.

<snip>

While I understand that you live your life in broadcast mode - why listen when talking will do seems to be your personal creed - as I have made it clear my presence on this forum is as an individual, it is on my own time and it is a personal activity. I am in no way on this forum the Bank's representative. And whenever I do represent the Bank I always insist that members swap to official channels to deal with me.

While you may spend all day on this thread and various other threads and forums as you have nothing else to do in your small and sad little world, I have a job, family and interests. I get online here to try to help people

So please rant on, and you will be ignored. And please post your ill informed statistics from CNBC, no need for you to actually read the report, is there John. As I said, facts are not important, it is volume that matters to you.

In the interim, any other members of this forum are always welcome to PM me and I will see what I can do to help or to advise them. They do not need to be our customers.

BTW, seems your housekeeper is a lot smarter than you. After all these years here you mean you still can not read Thai. Shame on you...

Enjoy!!

In Topic: Banking For Americans In Thailand 101

2012-02-15 16:02:24

TallGuyJohninBKK, on 2012-02-15 15:17:05, said:

ianguygil, on 2012-02-15 13:59:50, said:

As for the item you raised, I am sure Dave will post it once the Thai one is translated.

OK Ian... thanks for that comment. I guess BKK Bank is pretty slow at translating Thai into English, especially considering, according to Dave, it was an already existing policy on cardholder liability... Although there's certainly never been any evidence shown here that BKK Bank really had such a written policy in any language...

But now that you mention it, I'd be happy to see or take a Thai version of the policy, which of course you and Dave have also never posted or offered to provide.... I wonder why???

Meanwhile, I don't have any need to comment further on the CNBC post... It was their information and their article. You're free not to like or agree with it... But I note, you didn't bother to take the time here to post any specific information or country comparisons to the contrary.

<snip>

Classic from a man who has spent his life commenting on what other people do, journalist (ahem..), public relations. Rather than actually doing something yourself.

You quote CNBC, you make your own summary (incorrect) statements of their findings, and have no idea what the data really means because you prefer to watch a slideshow that actually read the report.

No more time to waste on people like you today. I'd rather spend my time more productively.

In Topic: Banking For Americans In Thailand 101

2012-02-15 13:59:50

TallGuyJohninBKK, on 2012-02-15 11:36:00, said:

ianguygil, on 2012-02-15 09:42:42, said:

Nice of you to pop in again, Ian...

It reminds me that you and Dave of BKK Bank have never followed through with the commitment made in the other ThaiVisa thread for BKK Bank to publicly post or disclose the bank's policy on cardholder liability for lost or stolen credit cards.

It's now been almost two months since the last post in that thread... and we've heard nothing further from BKK Bank on the issue of its cardholder liability policy... Perhaps you'd care to post some update on that subject while you're in the neighborhood.

Quote

Bangkok Bank Will Not Payback Fraudulent Pos Transactions W/Stolen Atm Card

38,940 Baht 6 Point of Sale Transactions B4 Card Cxld & Police Rep

http://www.thaivisa....tolen-atm-card/

<snip>

Ahhh, a classic tactic of a Hack (oops, ex-Hack, or retired-Hack, which one do you prefer to go by?) to ignore the issues raised and to divert attention off onto another issue. The whole point of your misleading and ill informed posts seems to not be something you want to discuss.

As for the item you raised, I am sure Dave will post it once the Thai one is translated.

In the interim, if you personally need any assistance or clarifications I have already given you the contact numbers to call.

I am still active on the forum, I just ignore your whining(posts) most of the time

In Topic: Banking For Americans In Thailand 101

2012-02-15 09:42:42

TallGuyJohninBKK, on 2012-02-03 23:05:54, said:

Came across a very interesting CNBC article today on who actually holds the U.S.'s nearly $16 trillion national debit...or to be more precise, who are the largest holders of that debt... And it's not who you might think, generally speaking.... By and large, it's Americans, including various parts of our own government, who hold most of that debit, according to the article... Interesting reading...

http://finance.yahoo...gov-t-debt.html

And on the same subject, CNBC also has a slideshow on the world's largest debtor nations, ranked by total debt compared to gross domestic product. The U.S. ranked 20th on the list, with its national debit about equal to its GDP...

But countries on the list with larger debt ratios included Australia, Germany, Hong Kong, France, Norway, Austria, Finland, Sweden, Denmark, Belgium #5, Netherlands #4, Switzerland #3, the UK #2, and Ireland #1.

The UK has a total national debt more than 4 times its GDP, and debt equaling almost $147,000 per capita... whereas the U.S. has total debit just slightly larger than GDP (101%) and per capita debt of a bit over $48,000.

http://www.cnbc.com/...0308959?slide=1

These are totally misleading numbers which include the banking sectors for countries which host the headquarters of major international banks or are in themselves offshore banking centers. Do you really believe that Switzerland is in so much worse relative financial shape than the US?

While some poorly run banks have caused their governments and polulations headaches over the past few years, particularly in Ireland, the UK and Iceland, these numbers are misleading and do not illustrate the relative health of the various economies.

I won't get futher into it and recommend that Forum members read the actual reports not the CNBC comicbook summaries. They should state the context for these numbers and not just put it into a pretty picture slideshow for entertainment rather than information.

In Topic: Beware Of Bangkok Bank Atm'S

2012-02-08 11:24:28

To the OP

Sorry to hear you have had this problem with one of our 8,000+ ATMs. Please go to your local Bangkok Bank branch, or call 1333, or PM either me or Daveroc.

As I said, we have many thousands of such devices, which are a combination of a PC and an attached physical device for handling the customer interaction (keys, cards etc.), dispensing cash and printing receipts. As with any physical/mechanical device some are bound to break occasionally. You can rest assured that if this happened exactly as you said in your post and the machine did not dispense the cash but debited the account that we will take care of it. As many posters have mentioned any reputable bank will do this.

Any speculation about this being a "scheme" to earn extra cash is just stupid. Our most important asset is the trust of our customers.

Some of the other items which need to be corrected are the amount of data we have and the level of control we have over these machines. We do literally millions of transactions a day on our ATMs for millions of customers. If a machine runs out of cash it knows it and it becomes "unavailable". We try to get to machines running low on cash before they run out, and that in itself is a huge logistical operation with ATMs spread all over the country as we have.

So please just report this through the standard channels and let us take if from there. We will need an official report so we can make sure we are dealing with the person who really have the problem being mentioned. So my advice would be to PM Daveroc (or me but I am busy) or just go into the nearest branch. Thank you

Ian