Meksilon
To a degree a customer does have a right to be disrespectful and rude, but they/we do need to rember that sometimes polite discussion can get you alot further. Obviously I did not tell the hole story about her rude customer, a few hints, vulgarity, cussing and not on just one occasion. I beleive there was even a call to the authorities to remove them.
Do you know what happens if you're at trial and you're the defendant - and you're rude, loud and disruptive? The judge can order you to be gagged & bound to your seat! But you can't be removed from the court room, since you have a right to be present at your trial!
Clearly you're talking about a far more specific situation then casual disruptive and rude behaviour, in which case I'd expect it to be treated differently to every-day ongoing rude behaviour.
As for tranaction delays, some financial institutions are on a "Live system" some on a "Live Proof system" and some on a "Live Live" system. From your example of your bank I am assuming a "Live Proof system"
Well, I had an extra sentence which for some reason didn't show up when I posted, that basically said that I know that sellers get the c/c & eftpos money right away because they're paying fees and charges for that service (when you discontinue the service they charge you a big whopping fee something like $500 or more as well!) It was just a simple parody - they're quick to take the money out of your account, and slow to put it in (even when a seller does a reverse c/c charge in order to refund your money!)
Buried deep in the E-bay forums somewhere I remember reading that with paypal it is sometimes CSR rulet to get what you want. That is probably why some people are able to get the chargebacks and others dont. Unfortunatly it seems that they do not always follow policy on the claims.
Needless to say, the
ACCC is fiercely against eBay's anti-competitive policy that makes PayPal mandatory in a variety of situations, and has been onto them for a while. It's also worth noting that eBay Australia used to have an illegal GST policy, which required that sellers who charge GST must make that known in the auction, but they didn't have to include the charge in the auction price,
see here. They of course were forced to comply with the law - some 5 years after it was passed to begin with!
I had at one point in time contacted eBay myself about this policy, and they sent me the usual canned reply stating that was their policy, blah blah blah.