fruitman

Wow, one positive tested woman in the UK? Shout it loud, call the Lancet, close the country....

2 hours ago, overt2016 said:

Why volunteers?

Isn't it the BMA's job?

I wonder what's their next move?

'd suggest to get volunteers to make footpaths more convenient for to elderly!

Normally they let prisoners do this job, working on the chaingang.

Yes for a job like that you best wear a yellow shirt and white gloves....????

On 6/20/2020 at 5:40 PM, LawrenceN said:

I would really appreciate it if articles like this, describing how beautiful something is, would include more than one photo. "A picture is worth a thousand words."

Can anybody explain me why we have chilled delivery trucks in the West? 

24 minutes ago, Wiggy said:

This is what I do. I bought one in Robinson's where they have both plastic and metal ones. Works a treat.

They also sell glass ones in central. Double wall insulated.

1 minute ago, richard_smith237 said:

That depends if you were being sarcastic or not.

 

For if you were being sarcastic, I am the stupid one for believing it possible that someone could be stupid enough to believe that the ban on commercial flights was not dictated by the Thai Government.

However, if you were not being sarcastic and actually believed the Thai Government had nothing to do with the ban on commercial flights, then... well... y’know... if the hat fits.... 

 

 

We all know that the ban on flights has nothing to do with no tourists in pattaya...also that ultra strong baht has nothing to do with it...man! How can you not see that Richard? Did you drink enough tea today mate? 

5 minutes ago, Keyser Soze666 said:

It seems to work well on here to be fair. How would you rather be addressed?

I think i'm very smart, we all know that closing airports is very good for tourism...how come you don't understand it?

1 minute ago, richard_smith237 said:

One would hope so, no one can be that stupid to believe that the ban on commercial flight arrivals are not dictated by the government. However, there is little in the comment (pasted below) to suggest sarcasm other than the obvious stupidity of the comment. Usually, emoticons are used to highlight a sarcastic or satyrical comment. 

 

So calling me stupid is your way of communicating on a public forum?

9 minutes ago, khunjeff said:

As many others have already stated, there are two issues here.

 

1) The exchange rates that you get using a foreign bank card in an ATM are set by MasterCard or Visa, depending whose symbol is on your card. In your case, you've already said that you're card is Maestro, so MasterCard does the conversion. The rates published by Krungsri or ABN have nothing to do with this (and the MasterCard rate will almost always be better than the rate at any bank).

 

2) You didn't get the MasterCard rate (or the Krungsri rate) in this instance because you voluntarily accepted the DCC offer from the ATM. You're correct that DCC is a scam that should not be allowed to exist - it's a pure money grab by the local bank, stepping in front of the transaction and helping themselves to a substantial amount of money for no benefit to you.

 

That having been said, the scam offer is presented in writing and you ALWAYS have the option of accepting or rejecting it, though the choice is usually presented in confusing language. If you reject it - which you should do, always - the transaction will go ahead at the MasterCard rate, plus the 220 baht local ATM fee and whatever ABN might charge. On the attached photo (from TMB, not Krungsri), clicking on the lower right, "Continue with Conversion", accepts DCC, and the lower left, "Continue without Conversion", rejects it.

 

You ask how we know that you agreed to DCC. Well, because you TOLD us when you quoted what was printed on your receipt - that ONLY shows up when you agree to DCC. You weren't aware of how this works, and now you are, so it will be easy to avoid in the future. Good luck.

So in your case if you click on continue with conversion you pay 5.5% extra?

I can't remember if i got this question but maybe i thought it would be to cancel the whole transaction....before i took the 10.000 and was denied 20k...so i was frustrated already...

Anyway, i won't use thai banks again, NEVER. For me they are thieves, i will purchase all i need in neighbouring countries and bring cash euro's for shopping here, minimal shopping that is.

11 minutes ago, jirathama said:

Hey Fruitman, iam also from Europe. In banking 30 years. Also in charge with ATMs and more. Just wanted to let you know, we in Europe also use the DCC offer. Every year at our meetings, the big bosses in the bank were so happy to see the results, what a stupid question can bring in extra profit ???? .

So, its not a Thai thing. Most ATMs in Thailand do not odder DCC and you automatically get ,in your case would have been, the Mastercard conversion.

Besides Krungsi i got this ATM DCC offer also with TMB(Thai Military Bank). I think, because these are 2 banks, who allow us to take a max. of 30.000,--Bht out of it, instead the normal 20.000,--Bht. There is, I think one more bank in Thailand with the 30.000,--Bht Limit. But i forgot which one.

I did the mastercard conversion, another poster posted the website for it but then i still don't come to 311.8 euro for 10.000 baht.

AFAIK there's no more bank in thailand who offers 20.000 baht in a single transaction...i've read that you can get more at the counter but you have to bring your passport...not sure what exchange rate they'll give you at the counter.....it should be the rate which is on the screens imo but hey this is thailand and you never know.

32 minutes ago, Pedrogaz said:

The difference is the onshore/offshore rate charge. You bank in Holland is transferring the money in baht instead of  euros. 

But ATM is second only to Western Union as the most expensive way to transfer money. I have only ever used an ATM once....to change Pounds sterling to euros at Liverpool airport. The newspaper indicated the rate was about 1.20 Euros to the pound. For 100 pounds, I got 89 euros from the ATM (instead of the ca 120, I was expecting) the losses were multiple dubious 'charges', commissions etc and a really poor rate.

I have used atm's in thailand for many years, untill they came up with that surcharge and later with that conversion bs.

In the past we just got the rate which was published on the website of those banks...

And in Singapore/Malaysia they still do it the old honest way, only Thailand has to do this scam afaik....on top of that the thai baht also is much stronger now than in the past.

I just absolutely hate it when i feel scammed...i want to know all details before i do any business..that's in my nature and i was raised that way in Holland. But it's fine, this will never happen again..and from now on me and my wife will spend all holidays in decent non-scamming countries only.

1 hour ago, Baerboxer said:

 

How many times do you think saying you were scammed is going to convince you it wasn't that you didn't understand how the systems work, the different options open, or think about it?

 

You were offered and accepted. End of.

 

You should take responsibility, as we all have to, for finding out which ways of transfers are the most economical and where it's best to make the transfer from one currency to another.

 

It's not any banks job to maximize your benefits.

How do you know if they even asked me that <deleted> about conversion?? Were you there with me looking over my shoulder?

And what if this boar attacked the neighbours car? Would the owner have paid for the damage?

Typical Nakhon si thammarat news...

9 hours ago, thequietman said:

I am actually pleased to see this. Cops that are actually doing their jobs.

 

Sure, there will be fines and money to be made, but still.

 

When you see these kids and also grown men, revving the engine going into corners, on a bike that doesn't have a  manual clutch, it makes me think, 'what the hell are you thinking?"

 

Everyone wants to be a boy-racer. ????

We even have them in our expensive gated community...the guards drive them around in here. And they also don't have a headlight but 2 small blue led's instead...

35 minutes ago, Upnotover said:

That means you accepted the local (Thai) banks offer to convert THB to EUR.  That means you sponsored the bank to some % over the rate that Mastercard would have converted at.  That means you made a mistake.  You had the choice, you chose wrong.  This is not a Thai thing, it's global, you'll be able to do it all over again in Malaysia I'm sure.

Well i don't use atm's at all in thailand since many years..but this time i needed fast money, the butchers in a mall gave me much more meat than i ordered, i didn't have enough cash on me to pay that so i run to the atm and took cash.

I'm curious if other forummembers also get a much lower exchange rate than the banks show on their website. I can't remember that question about conversion at all but maybe i missed it...they scammed me for 1.75 baht for each euro that i took from the atm...that's sure more than 2%...

2 hours ago, Andy from Kent said:

 

If you're a big spender, maybe Malaysia will welcome you with   with the red carpet.

When i'm in Malaysia i always take big money from the atm because they don't have that 220 baht surcharge there. They don't have that scamming mentality and are more fair to western tourists. Plus they speak better english than the Thai.

2 hours ago, david555 said:

https://www.mastercard.us/en-us/personal/get-support/convert-currency.html

converter tool online

On the atm receipt is also printed: I have chosen not to use the Mastercard currency conversion process and agree that i will have no recourse against Mastercard concerning any matter related to the currency conversion or its disclosure.

What does that mean? I didn't use my mastercard creditcard but my atm bankcard which has a maestro logo on it....

Does this have to do with the bad exchange rate that i got?

This is what i get if i use the converter that you sent: I paid 311.81 euro for 10.000 baht so how can this amount be so much lower?