Value-less Bundle?

<p>Ok, let's address the elephant in the room. You deserve more than a 2 star rating(now), but as of next year, 2 stars is about as high as it should go... Here's why;</p> <p>I was 'sold' a gold value bundle by you many years ago. The attractive features that it comprised of were the free(rebated) credit card & free payment notifications to both payer & payee, 50% off the monthly charges for maintaining R30K balance over 30days, the ability to retrieve transactions for free (something like 2 years worth), the rebates on having a vehicle loan with you.. other rebates didn't apply to my situation at the time that you sold this product to me, so no point mentioning them here..</p> <p>Over time, however, you started charging for the payment notifications to the payee, and also started charging for notifications sent to the payer, if their email address changed (which is very possible especially since people change jobs, but that's not what this is about)... I have made my peace with all of that, but I'd like to point out that, with all those extra fees/charges that you've added on, you've added nothing of "value" to the "value" bundle for me, your customer! You've made these changes behind the scenes, (mostly) without informing the customer of said changes.. they usually find out about it by accident, and only if they're paying attention to their statements.. but even THAT, is not what this is about.</p> <p>What this is about is the SMS you sent me recently. In it, you state that I won't be getting a rebate for any loans I have with you(thankfully, I have none, so no problem there), nor even for having a credit card with you.. that's R25 per month (at the current rate). So 300 per annum, that you will in effect be taking from me all the while adding no more "value" to the bundle... OK, so you added R5K to a death benefit -</p> <p>Yippee! I get R20K and all I have to do is die!! (that's sarcasm, btw) How does that benefit me now? Logically speaking, that benefit is less than the amount that you want me to keep in my account to qualify for the 50% monthly rebate on charges.. and frankly, even if you doubled that presumed "benefit", it would certainly NOT be adding anything of "value" from my perspective.. none these changes to fees/charges are anything that I agreed to initially when you sold me the product.. and I am not agreeing to your new changes to the "value bundle" just because you woke up one day and decided to make more money off of me. It goes against the CPA to just change an agreement like that, without consent between both parties. </p> <p>But I like to think that I can be reasonable about this, so I'm giving you the opportunity to "Sell"/convince me on why you think these changes are going to benefit me, because I honestly don't see it.. I don't think anyone in "my position" will believe that dying is worth the R20K.. How about you keep the R5K extra death benefit, and I will keep my rebates as per the original agreement?</p>