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zoeq1000


May 3, 2006, 7:10 PM

Post #1 of 11 (1503 views)

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I've got one for you

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I received an electric bill the first of the month. I went to pay it and it wouldn't only take 200 p and not the other 66 I owed. Well, within ten days a man from the electric company was here yesterday to turn off my electricity! I owed 66 pesos due earlier THIS month. My husband ran over to the electric company which was open and paid the 66 p. The clerk said, "You will have a turn-on fee to pay." What a racket. We didn't have one because the gas guy hung around until my husband showed the receipt. Gestapo in the form of the Electric Company???? I won't mess with them again. I will pay when they are open. Taught me a lesson.



song_of_joy

May 3, 2006, 8:33 PM

Post #2 of 11 (1465 views)

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Re: [zoeq1000] I've got one for you

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Aren't they absolutely maddening?

If you have an account with a Mexican bank, you can pay online.


zoeq1000


May 4, 2006, 1:03 AM

Post #3 of 11 (1437 views)

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Re: [song_of_joy] I've got one for you

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I don't know which is worse: having a Mexican bank to keep track of and pay fees on, or running around paying utility bills, which, by the way, come at different times. I can't image how Spanish bill paying on line would be. How do you do it if you don't know much Spanish? And I don't think all utilities can be paid on line. I eliminated one utility by getting a phone that takes pay cards - no more monthly fees to Telmex.


bola_blanca


May 4, 2006, 7:11 AM

Post #4 of 11 (1403 views)

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Re: [zoeq1000] I've got one for you

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I have an account at Bancomer and it automatically pays my two phone bill every month, and CFE bill every other month. All of the bills can be viewed online before they are paid by the bank. I transfer pesos from an account at MultiValores to Bancomer, also online. Nothing could be easier. Any mexican bank account will offer you the same options.

No fees are paid to Bancomer as long as the balance is above 3000 pesos. Its also nice to have an ATM/cash card and a checkbook so one does not have to carry around a lot of cash. The mexican banking system is supposedly going to install free POS terminal in small and medium size businesses, so having a cash card should become more and more of a convenience over time.

Now setting up a mexican bank account and the bill pay authorizations does take some time and unless the bank branch you are dealing with has someone you can deal with who speaks English, assuming your Spanish will not suffice, you would need to have an interpreter. Don't forget to bring passport, FM_x, and recent copies of the bills to be paid if you choose to do this.

"Give a man a fish and feed him for a day, teach him how to fish and he spends all day in a boat drinking beer."


Papirex


May 4, 2006, 7:42 AM

Post #5 of 11 (1397 views)

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Re: [zoeq1000] I've got one for you

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I would check to see if there are any CFE-o-Matic machines in Queretero. They are like an ATM machine in reverse. You pass the bar code on your bill in front of the screen on the machine and your bill appears on it. You then feed the money you owe into a slot. The machine will give you change in coins, which drops into the tray just like at an ATM.

We used to live in the southern part of Cuernavaca, that area of the city is served by CFE. There was a machine in the CFE office in Temixco, and a bunch of them next to the CFE office in south Cuernavaca. The ones located in Cuernavaca looked like a service station. Instead of gas pumps, there were CFE-o-Matic machines on the drive up islands. You could pay your bill there 24 hours per day 7 days per week.

Most of Cuernavaca receives electricity from Luz y Fuerza del Centro, not from CFE. They are both government owned monopolies. You must go to the Luz y fuerza office to pay your bill in most of the city. They are much more lenient about when the bill must be paid.

We now receive our electric service from Luz y Fuerza. Our bills usually arrive on the day they are due, after L y F has closed for the day. L y F uses couriers to deliver their bills, not the postal system like a lot of businesses do down here. If you receive a bill without an envelope or stamp on it, it was delivered by a courier, not the postman. Our water bill and cell phone bills arrive that way too.

I donít know how much of a grace period they will normally allow, but a week late without having your power turned off is common. A couple of years ago I was two weeks late paying them because their office was closed for the Christmas holidays. When their office finally opened, no one said anything about my paying late and there was no penalty.

At the present time, I have not paid my electric bill in over a year. We have one bad meter at our house. About 14 months ago our bill jumped from an average of about 1200 Pesos per billing period to over $4000 per billing period. We reported it to L y F and they said to hold off on paying the bills until they could send someone out to check our meters.

Despite repeated complaints that no one has come to check the meters, they keep telling us to wait. We have hired a couple of electricians to check the bad meter; one of them is an L y F employee. They both confirmed that the meter is defective. Still no action from L y F.

Ainít socialism wonderful?

Rex
"The supreme happiness of life is the conviction that we are loved" - Victor Hugo


zoeq1000


May 4, 2006, 3:37 PM

Post #6 of 11 (1339 views)

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Re: [RexC] I've got one for you

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I think I've had it easy compared to you, Rex. We got our sewer hook-up - they said withing 14 days. Well, that was just the inspection to see how much to charge. Then, I kept asking what the charge was - you had to find out what the fee was and pay. NOONE could tell me what the charge was or about the procedure, nothing. Finally, after the fourth time I went, I insisted on speaking to someone in English. I was waiting them out. Finally, a woman who knew what she was doing, looked up my fee and told me what to pay. After I paid 3000 p, they came within a week to hook it up. This was guesswork and going back and back to finally get the right answer.

Then, the gas company got very confused about my paying my bills. I'm guessing that this comes from paying at an OXXO or at a bank or wherever they say you can pay. That was a 2 hour wait and a 30 min interview. I asked them to write a letter that I was paid in full. Sure glad I did that because it came into question later when I wanted a new gas hook-up. WHEW that letter got me through it.

I will try the Bancomer route. And also, ask at HSBC because I hear they have lots of locations which makes them a good place to insure one's car. Bits and pieces. Things eventually get done. Good luck, everyone.


jerezano

May 4, 2006, 7:38 PM

Post #7 of 11 (1285 views)

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Re: [zoeq1000] I've got one for you

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Hello,

I set up a savings account at BANCOMER 3 years ago. It is way over the $3000 minimum mentioned earlier as no fees charged. At that time I also set up on-line management of that account.

About 2 months later I received a letter from BANCOMER telling me that I needed to pay a monthly fee for that on-line service that was much more than I cared to pay so I closed out my on-line services and just manage my account with them by a once a month visit.

Whether they still charge a monthly fee for use of on-line banking (really a convenience to them and it should be free) I don't know. But be sure and check before you get carried away.

It's the same thing. Every time I pay an ATM fee, I am being charged by the bank for NOT using their expensive tellers. They should be paying me. It makes my blood boil.

Now that is off my chest I feel better. Relax. Mexico is not half so bad as the USA in many ways. Even though the bank serevice fees in this country are obscene.

Adios. jerezano.


Rolly


May 4, 2006, 8:05 PM

Post #8 of 11 (1281 views)

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Re: [jerezano] I've got one for you

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I bank with Banamex where I pay 10 pesos per month for on-line banking. Nothing for the ATM, but there is a little charge to see a live teller in the bank -- I forget how much.

Rolly Pirate


bola_blanca


May 5, 2006, 6:39 AM

Post #9 of 11 (1230 views)

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Re: [jerezano] I've got one for you

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Jerezano, you refer to the fact that you set up a SAVINGS account with Bancomer. I guess the fee schedule is different for those. What I have is a standard checking account, for which I receive no interest. But losing interest earnings on a few hundred dollars is worth it to me for the service and convenience the account affords. I have not been charged a single centavo in service charges by maintaining the minimum balance of 3000 pesos.

I think their charge for not maintaining the 3000 peso minimum is 20 pesos per month. So maybe going with Banamex as Rolly has would be better in that case.

"Give a man a fish and feed him for a day, teach him how to fish and he spends all day in a boat drinking beer."


alex .

May 5, 2006, 9:03 AM

Post #10 of 11 (1203 views)

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Re: [zoeq1000] I love paying Telnor

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in person. The longer the line the better.
Alex


zoeq1000


May 5, 2006, 10:19 AM

Post #11 of 11 (1181 views)

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Re: [movingto_nica] I've got one for you

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Banamex charged me about 45 p per month to write more than, I think, 5 checks. But I paid for the service yet never wrote the first check. i find most everything here is cash. HSBC has a flat fee of 5/month no matter what. I'll check out Bancomer. Santander said I could only pay cash for electric. Not sure he understood me. And liability insurance there was as much as my house in the states with a MUCH lower value here.
 
 
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