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Accoding to the description, there are two types of account:

jameschen6(梦想农庄)

Cash Account---require that you settle up, or pay for your purchases, within three business days.

margin Account--- allows you to temporarily borrow money from the broker to purchase secrities. To do this, however, you must pledge other secrities that you already own to cover payment.

I do not know which kind of account you opened. Anyway, My personal opinion is that your broker should take some responsibilities for the loss.

I prefer to use TeleBanking instead of WebBanking for the reason of reliabilty in my banking practice. If old fashion way is enough, why you like to try new and ADVANCED(pledged) one.

(#1235240@0)
Last Updated: 2003-6-11
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枫下家园 / 理财投资税务 / RBC 的Action Direct 给我的血淋淋的教训,请大家给我一些意见 -grace006(grace); 2003-6-11 {2956} (#1234885@0)
本文发表在 rolia.net 枫下论坛Royal Bank 的Action Direct 是吸血鬼, 强列建议大家不要用它. Commission 费(29.95)奇贵, Service 奇差

我上周五早上在Action Direct 中下了一张单，在我的ＲＳＰ帐户中买进 NT 1000股，过了五分种去看单，什么记录都没有，空空如也，我想我大概没有确认此单或做了什么不对的操作，没下成单．当时我的帐户中只剩下5000左右（只够买1000S），我想那我再下一次吧，如果我第一次有下成功，那第二张单最多就是被 Reject，因为我曾经有一次下单后，因cash 不够，单被reject（事实证明，不能相信经验）；

等我下了第二张单后，马上check order status, 又是什么都没有, 我就打电话给Action Direct , 一位小姐Ａ说, 我们今天系统有问题, 不过马上你就可以看到你的单了, 我马上Refresh一下我的 Explorer，两张单都出现了，第一张单已Filled了，第二张单还Open，我于是赶快把第二张单Cancel了，我很愚蠢地相信这第二张单如果不是被 Reject，就是被我 Cancel，已经双保险了，可以放心了．

星期一早上，我打开帐户，令我大跌眼镜，居然两张单都给我Ｆill了，而且我的Cash状态是"-４０００"，也就是说我在现金不足的情况下居然也能买进股票，我很Ｃonfuse，打电话到Action Direct，小姐Ｍ说．在ＲＳＰ中是不可以这样做的，现在我买进的第二个１０００股是Action Direct借给我的钱，所以我必须在当天下午两点前还钱给Action Direct，否则有个什么部门专查Ｃredit的会来找我，我马上问，那你们借给的钱有否利息Ｃharge？她答：没有的．因为这是ＲＳＰ帐号，我不可能再放钱进去，我当时有些慌了，就把１０００ＮＴ卖了补缺（而当天是大跌），损失了３４０左右，而小姐Ｍ则Ｗaive掉我的这一次卖ＮＴ的 Commission Fee.

后来，想想就不爽，我们小股民每次把血汗钱投入进做股票，养肥了这些吸血虫（买卖一下就６０跑掉了），却给我们那么烂的系统和服务．而且你店大欺客，自己系统出错，却把责任全推到客户身上，造成我金钱和时间的损失，实在可气可恨．又打电话找那部门的头．一个Supervisor N听了后，却只肯再Waive掉星期五买那２０００股的Commission Fee. 我问了她最后几个问题：

１．ＲＳＰ帐号到底是否允许透支操作？回答：否

２．那既然不允许，我为什么这次可以做到，答：有时他们可以看到单，就会ＲＥＪＥＣＴ掉此类单，但有时单子直接走了，他们看不到，就会发生此种情况．

３．那不是你们系统上有问题吗？你们这样的服务会让人有安全感吗？答：所以你自己下单时要小心．

４．那明明是你们系统出错而造成我的误操作，但现在责任都几乎全由我来负，这公平吗？？　答：我查过你的单，那不是Action Direct的系统出错，是我们的Third Party 的系统出错，所以我们不会负责任

５．我是你们的客户，我只知道我在用你们公司的服务．　答：我们也有我们的系统，但并不是所有的单都到我们这儿，如果是因为我们的系统问题，我们会负责，但有的会经过我们的Ｔhird Party 的系统，是他们的错，所以我们没法负责．

６．那你告诉我你们的Third Party的公司名字，我直接找他们．　没有回答

４．那象你说的，你们并不能很好的控制ＲＳＰ的透支操作问题，只能人工控制，就是说，以后此种情况还会发生，也就是说，我还可以向你们借钱炒股票？　答：但你自己就得负责后果

５．是啊，我会负责，就象这次一样负责，而且照你的说法，你们没法完全控制，我就有可能可以透支买进１０００００股，第二天再把股票卖了还你们．

最后，我要求再找她的上一级，不知又有何花招

请大家给我一些建议和意见，是否应该和资本家斗到底，怎么斗？到底该由谁负较大的责任呢？谢谢更多精彩文章及讨论，请光临枫下论坛 rolia.net

斗，一定要都到底。准备好同样的问题，明天再打电话，不停的COMPLAIN，不能解决，就找上级，一级一级的找。直到问题解决了为止。记住，每次打电话，重复几次问他/她的名字，好让对方知道，你要一级一级的COMPLAIN。。 -farmer(农夫®); 2003-6-11 (#1234905@0)

谢谢你的鼓励,生命不息,斗争不止 : -) -grace006(grace); 2003-6-11 (#1234939@0)

太可怕了,请问我刚开了AD的帐户,还没有买卖,现在CLOSE这个ACCOUNT要不要付钱? -cattree(三荤一素); 2003-6-11 (#1234945@0)

当你有在买卖时,收手序肥, 太贵了, 我也想换. CLOSE 应该不收, -grace006(grace); 2003-6-11 (#1234963@0)

Actually, all Canadian brokers are as suck as RBC, you can not find any cheaper or better brokers in terms of RRSP self-direct account. -wins(wins); 2003-6-11 (#1234966@0)
谢谢! -cattree(三荤一素); 2003-6-11 (#1235032@0)

只是好奇的问一下，如果那天NT涨了呢？ -m30(m30); 2003-6-11 (#1235123@0)

Then no complaint ! :-) -novice1(novice1); 2003-6-11 (#1235147@0)
说不定真有人能借这个漏洞来借鸡生蛋发大财呢, 我确实是个倒霉蛋. 它系统里的漏洞多着呢, 如你去开个美金的INVESTMENT 帐号, 每次买卖时都需选一项:Settlement Currency :CAD/USD, 而且default状态是CAD, -grace006(grace); 2003-6-11 {77} (#1235186@0)
每次都得很小心得CHANGE到USD,不然你用美金买的股票刹那间就成了CAD, 让人胆颤心惊

Accoding to the description, there are two types of account: -jameschen6(梦想农庄); 2003-6-11 {622} (#1235240@0)
Cash Account---require that you settle up, or pay for your purchases, within three business days.

margin Account--- allows you to temporarily borrow money from the broker to purchase secrities. To do this, however, you must pledge other secrities that you already own to cover payment.

I do not know which kind of account you opened. Anyway, My personal opinion is that your broker should take some responsibilities for the loss.

I prefer to use TeleBanking instead of WebBanking for the reason of reliabilty in my banking practice. If old fashion way is enough, why you like to try new and ADVANCED(pledged) one.

RRSP/RESP account cannot be margin account -gel(See PMCS Run); 2003-6-11 (#1235250@0)

I guess so. -jameschen6(梦想农庄); 2003-6-11 (#1235443@0)

One of my friend had a very similar experience. My advice is change to TD Waterhouse. I have used for five years. No problem at all. -multipass(easylife); 2003-6-11 (#1235246@0)

能具体介绍吗，我真准备开户呢？ -stephen2008(stephen2008); 2003-6-11 (#1235505@0)

I also use TD Waterhouse and very satisfied with the service. Actually I had the similar experience this week -clear(clear); 2003-6-11 {417} (#1235534@0)
I thought I cancelled my first order, but it had been sent to prior fills with no confirmation of filled or not. Then I placed the second order, TD Waterhouse called me to let me aware that my first order had not been completed out and be cautious about the possibility of two orders. When I called them back the representative was so kind to contact the trading department and told me there was only one order open.
Just go to the TD bank and ask. They will tell you how to apply for it. -multipass(easylife); 2003-6-12 (#1237170@0)

其实这正常.你可以告ROYAL BANK,而ROYAL BANK可以去告他们的THIRD PARTY.如果赢了,THIRD PARTY赔钱给ROYAL BANK,而再由ROYAL BANK给你 -ivy_sh(呼吸着的青草); 2003-6-12 (#1237270@0)

@Florida

Accoding to the description, there are two types of account:

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