Solving the Nonsense of Debit Orders using the power of Capitec Bank

Guys , Girls , Ladies and Gentlemen , this is HOW i solve the problem of companies running rogue debit orders , unauthorized debit orders , double-deduction debit orders as well as cases where you've CANCELLED the service with the company but they *continue* to run debit orders against you bank account disregarding your cancellation.

And the best part, I do it ALL on my own . .  in my OWN way , and YES of course . . I do it using the power of Capitec Bank !

This is how it goes . . Did you know that with Capitec bank you can have up to 5 savings accounts all of them under your control ? I am talking about FIVE *separate* bank accounts each one of them with a Different Account Number but all five of them are connected to your single Capitec Bank card . . did you know that ?? Well the important part is NOT that the 5 bank accounts are linked to your single card . . that is NOT the important story I want to share with you today. The important thing I want you to note is that each of these 5 bank accounts has its own different Bank Account Number :) :)

Go to your Capitec branch and ask them to open for you ALL the 4 extra savings accounts. You might think . . oh, but that's gonna cost me now 5 times my monthly banking fees . . but Nope, you're wrong . . you STILL pay R4 per month the SAME as someone who only has ONE bank account :)  Now isn't that sweet ?? :)  Four additional bank accounts giving you a total of FIVE bank accounts all under your control for the SAME monthly fee of just R4 total (you Don't pay R4 per account!! .. you pay R4 per month for ALL of your FIVE bank accounts at Capitec!)

Ok, at the branch once they open for you the 4 additional bank accounts (free of charge) you will now obviously end up having FIVE different bank accounts at Capitec Bank. And now this is the part where the power comes into your hand and you are now able to take Full Control of debit orders :) . . . Out of the 5 accounts you have, the FIRST account is called you PRIMARY account and the other four accounts are called Flexible Accounts. Most people already have the PRIMARY account because most of you already have your normal single bank account at Capitec , which is in fact your PRIMARY account. There are some things you can do with your 4 additional/flexible accounts and there are some things that you Cannot do with them, but i Don't want to confuse you by discussing that now. Now I want to only deal with the problem of unauthorised debit orders against your account.

Here is the way you solve the debit order nonsense : When you buy some products/service from a company using debit order payment, do *NOT* give that company the account number of your primary account !! Give them one of your four Additional (Flexible) bank account numbers :) :). Now when it comes month-end and you get some money into your account (your PRIMARY account) , what you must do is to login to either Internet Banking or Mobile Banking (Mobile/Telephone banking is very fast, simple and quick with Capitec bank..it takes just 2 minutes out of your whole Month) so you login to either Internet Banking or Mobile Banking and you TRANSFER just the RIGHT amount of money out of your primary account and put it into the additional/flexible account. Don't skimp on this and Don't be lazy and tell me it is incovenient extra work etc !! Don't say that !! Guys . . it's as simple as sending SMS, trust me.. and it's verrrry secure, full stop :) :)

Let's say you earn R10 000 a month and you've bought a cellphone contract with M-T-N paying R250 per month and the scumbags at M-T-N do NOT want to stop their debit order nonsense after you cancelled their service 3 months ago. Now if you transfer *only* R250 into the specific additional/flexible account from which they will run their debit order, they **will find* only R250 in that account , therefore they can debit only R250 that's it ! If they try to debit MORE (let's say R500) .. then their debit will bounce / fail due to insufficient funds :) In addition, if you have actually cancelled the service with them, you will simply NO LONGER transfer the R250 from your primary account to that specific additional/flexible account :) :) They now will find R0.00 in that account month-end if they EVER try to snoop in and knock you of your last R250  :) :)   Their debit order will FAIL or BOUNCE and it will COST THEM money :) :)  Once they realize this they will quickly try to call you :) :)  Just act arrogant on the phone and tell them that you Don't give F@ck abt any bounced debit orders and tell them to f$ck off and to NEVER call you again about bouncing debit orders, etc , EVER !!! The person who called you will obviously get pissed off and they'll go ahead and immediately STOP/cancel the debit order on their side . . fuming with Anger :) :) :)  Smile and leave that additional/flexible account unsued for 2 to 3 months, you will soon notice that the debit orders have magically STOPPED completely on that account. In the meantime you still have FOUR other bank accounts you use for your other debit orders, case closed.

Quensions and Answers :
1) I have *already* given them my primary bank account, therefore your solution above will Not work for me ??
1-Answer) Contact the company (service provider) and tell them that your bank account has changed, then give them your new bank account number (which you secretly know that it is one of your additional bank account numbers!)

2) In my case i Don't know who the company is ! they are running a rogue debit order against my account every month and I cannot contact them or trace them ?? How will your solution above help me???
2a-Answer) Well, your case will be a little more involved, but Nothing complex/diffucult at all , and Nothing impossible. With those type of rogue debit orders from untraceable fraudulent companies, you will have to do the **Kick-em-in-the-Nutz** trick to give them some sore pain where it hurts them the most !!  First try to pinpoint the specific day on which they run their debit order. Once you've pinpointed that day, log into your Mobile banking (Mobile banking at Capitec bank is very fast.. faster and more convenient than Internet Banking) . . so log into your Mobile banking one or two days BEFORE they run their rogue debit order . . and transfer ALL the money from ur primary account into one of your unused additional accounts so that you appear to have NO FUNDS in your primary account :) :) It is just a temporary measure you use to deal with these scumbags and to kick them in the nuts ! After they run their rogue debit order and it bounces/fails due to No funds (in the account they targetted which is your primary account) . . you can now go back and transfer ALL the money from ur additional account back to the primary account (simple , quick and fast on Mobile/Telephone banking, and Verrrrry secure . . as simple as sending an SMS and doing it just ONCE per month it is **NOT** a big trouble at all guys, you're saving Hundreds by doing a simple task **once per month** that's FASTER / SIMPLER than brushing your teeth EVERY DAY for LIFE!!). You're basically just temporarily *hiding* the money away from them and showing them a ZERO/Empty bank account and then put that money back in after they have failed to Find it in your account. it will COST them money on their side every time their debit order fails/bounces (about R35 or so) . . they will feel the pain in their nutz and it will drive them Nutsss ... LOL, No pun intended !! if your account fails to be debited 2 or 3 months in a row they will quickly GIVE up **ON THEIR OWN** and they will leave you the f@ck alone because they WONT afford to keep paying the R35 debit order collection fee on their side if they Don't get No f@cking money from you ! They will REMOVE you from their rogue list and they'll assume you're perhaps dead or something / account closed / etc . . . if they call you, give them the BIG Finger on the phone and piss them off REAAALY hard ! LOL , you've just done the **Kick-em-In-Da-Nutz** trick :) :)

If you open your mind to possibilities and think outside the box, you will discover that there are MANY other ways to play around with your 5 separate bank accounts at Capitec bank, for example , you could tell your employer to pay your salary into one of your additional/flexible bank accounts going forward from Next month so the employer must No longer pay your salary into your primary bank account. This will now make your primary bank account to appear DORMANT as you will now have the majority of your funds hidden in one of your 4 additional/flexible bank accounts . . now you would TRANSFER a small amount from your hidden additional/flexible bank account to your Primary account at month-end and have the debit orders run against ONLY that amount , thereby LIMITING any monkey-business taking place in your primary bank account. The possibilies are Endless guys . . just think about it. And let's face it guys . . it is MUCH BETTER to have a debit order bounce and **they call you** to ask about their money than to have R500 suddenly disappear from your account WHEN you did NOT expect it or when you know for sure that you're supposed to be paying only R250 !! The **pain** will be on their side :) :) . . Your Money is always BEST when it is under YOUR CONTROL , period !

with my methods above and solutions, i am sure you can all see and realize that you Don't even have to call a company and tell them that you want to *cancel* the service or cancel the debit order bla-bla-bla . . you are actually FULLY in control of the money they can take from you every month and if you want to, you can at any time make your account appear to have NO MONEY in it and kick some of them in da nutz and drive them away :) :) if they Don't find money in your account, they will be the ones *calling* you to ask you whether you're aware your debit order bounced / etc / have u changed ur bank account, bla-bla-bla ?? . . and frankly you can give them the BIGGG finger right there on the phone ! LOL.

If you DONT understand what I am explaining above, or you have any further questions or need further clarity , send me email at Tebzza {at} Tebzza.co.za  , I hope my solution will be of help to you , thanks guys.

Special thanks to my friend Penelope for allowing me to share my solutions and experience on her blog :)