On Charge Mobile Burns Palm

Despite warnings from the Manufacturers and those who are in the know ,people still talk on their Cell Phones, when it is under Charge.

I came across a Photo in Facebook that a Boy had his palm burnt severely in Bombay.

I have seen people speaking on mobile phones while riding.

Mobile on Charge burns Palms
Pass 2 all your contacts. Today again a boy died in Mumbai,Bcoz of attending a call while his mobile was at charge. That time he had sudden vibration 2 his heart & fingers were burnt. So pls don’t attend calls while charging ur cel. Pls pas this 2 al whom u care. 1 USEFUL MSG IS BETER than MANY jokes..
Dr Hardik Shah,
CMO, Civil Hospital
Mumbai —

When you over hear it accidentally, it is usually non sense chatting.

You do not lose  anything  by not attending to a Mobile ring if you are on the move.

Callers must ask the called party if they are on the move and if yes, cut the connection to save Lives.

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Courier Flower Wine Delivery Scam Truth

I received an email from my friend ona recent scam involving Courier, Wine and swiping of Credit card at Home with the delivery boy.

The people lost their money from their accounts.

I checked,this is the result.

Haox Delivery
Flower, Wine Credit Card Fraud.http://www.hoax-slayer.com/flowers-wine-credit-card-scam.shtml image from

Do not accept any packages at all, unless you know the sender, better check with them by phone.

“This email relates an incident in which a couple had $4000 stolen from their credit card account after a fraudster posing as a delivery driver tricked them into swiping their credit card on a portable card skimming device. According to the message, the scammer pretended to be a courier delivering an unexpected gift of wine and flowers. The scammer claimed that, because the gift included alcohol, the company required a small fee to be paid to prove that the gift had been delivered to an adult. He insisted that the fee be paid via card rather than cash and presented what seemed to be a legitimate mobile EFTPOS machine. However, the machine was in fact a skimming device that recorded the victim’s credit card details.

The information in the warning message is true. A spate of such crimes occurred in several suburbs in Sydney’s north-west in late 2008. A November 7 New South Wales Police Media Release noted:

Police in Sydney’s north-west have released an image of a man they believe can assist with inquiries into a fraudulent delivery scam which leaves people robbed of their savings.

A number of people across the Eastwood, Gladesville and Kuring-gai Local Area Commands have told police they believe they are the victim of a manipulative scam which has left their bank accounts wiped clean.

In all instances, police have been told a man has knocked at the door of residential homes dressed as a courier with a bunch of flowers and bottles of wine. The man has then delivered a parcel requiring a signature to confirm the goods have been received.

The man is alleged to have told recipients of the parcel that a delivery fee of $3.50 is required and must be done via EFTPOS. In all instances, those involved have swiped their credit card into a hand-held machine and been given a receipt for their payment.

Since the media release was published, a man has been apprehended and charged in relation to the incidents. A November 23 article in the Sydney Morning Herald notes:

A MAN charged with stealing more than $30,000 by posing as a delivery man bearing wine and flowers was refused bail in court yesterday.

David John Hennessey, 50, was stopped by police on the F3 freeway at Wahroonga, in northern Sydney, on Friday. He was arrested after a police search of his car allegedly found a number of card skimming devices.

Police allege that Hennessey had defrauded 10 residents of the Eastwood-Gladesville and Ku-ring-gai areas of $32,000 by posing as a delivery man bearing wine and flowers.



Email Text as received.

‘Please pass on

“Wednesday a week ago, I had a phone call from someone saying that he was

from some outfit called: “Express Couriers,”(The name could have been
anything) he asked if I was going to be home because there was a package
delivery for me that required a signature . The caller said that the
delivery would arrive at my home in roughly an hour, and sure enough, about
an hour later, a uniformed delivery man turned up with a beautiful basket of
flowers and wine. I was very surprised since it did not involve any special
occasion or holiday, and I certainly didn’t expect anything like it.
Intrigued about who had sent me such a gift, I inquired as to who the sender
was. The deliveryman’s reply was, he was only delivering the gift package,
but allegedly a card was being sent separately… (the card has never
arrived!) There was also a consignment note with the gift.He then went on to explain that because the gift contained alcohol, there
was a $3.50 “delivery/ verification charge,” providing proof that he had
actually delivered the package to an adult of legal drinking age, and not
just left it on the doorstep where it could be stolen or taken by anyone,
especially a minor.

This sounded logical and I offered to pay him cash. He then said that the
delivery company required payment to be by credit or debit card only, so
that everything is properly accounted for, and this would keep help in
keeping a legal record of the transaction. He added couriers not needing to
carry a bunch of cash, would make them less likely targets for robbery.

My husband, who by this time was standing beside me, pulled his wallet out
of his pocket with the credit/debit card, and ‘John,’ the “delivery man,”
asked my husband to swipe his card on a small mobile card machine. It had a
small screen and keypad where Frank was also asked to enter the card’s PIN
and security number. A receipt was printed out and given to us as our copy
of the transaction. He then said everything was in order, and wished us good

To our horrible surprise, between Thursday and the following Monday,
$4,000 had been charged/withdrawn from our credit/debit account at various
ATM machines.

It appeared that somehow the “mobile credit card machine,” which the
deliveryman carried now had all the info necessary to create a “dummy” card
with all our card details after my husband swiped our card and entered the
requested PIN and security number.

Upon finding out about the illegal transactions on our card, we immediately
notified the bank which issued us a new card, and our credit/debit account
was closed.

We also personally went to the Police, where it was confirmed that it is
definitely a scam because several households had been similarly hit.

WARNING: Be wary of accepting any “surprise gift or package,” which you
neither expected nor personally ordered, especially if it involves any kind
of payment as a condition of receiving the gift or package. Also, never
accept anything if you do not personally know or there is no proper
identification of who the sender is.

Above all, the only time you should give out any personal credit/debit card
information is when you yourself initiated the purchase or transaction !

Thanks Prasad.

Truth Behind +375 Calls

I have received a message that receiving calls  on the Mobile from the number starting from +375 result in being charged $15 to $30 if the number is called back.

I checked with Hoax Slayer and this is the finding.

My view is that if you do not any one by this number better not to call back.

Message circulating via SMS, social media and email warns you not to return missed calls from numbers starting with +375 or +371 because you will be charged between $15 and $30 for each returned call and your contact list and financial information will be instantly stolen from your phone.
There are elements of truth to the warning but the information it contains is nevertheless highly misleading and inaccurate. Reports indicate that many people have been caught by a scam in which they were charged international call fees for returning a missed call from +375 or +371 phone numbers. However, this fee was reportedly much less that $15. Moreover, the claim that simply returning the calls can result in personal data being instantly stolen from the user’s phone is nonsense. It is not possible for information to be stolen from a phone in the way described.

Message Received.

People have been receiving calls from +375602605281, +37127913091 or any number starting with a +375, or +371 number.

One ring & and they hang up, leaving a missed call message. . If you call back it’s one of those numbers that are charged $15-$30 & they can copy your contact list in 3 sec. If you have bank or credit card details on your phone, they can copy that too. +375 is from Belarus and Afghanistan.. 371 is code for Latvia

Hoax Call.
Missed Call Message.

Don’t answer or call back.

Please FORWARD AND SHARE this to your friends and family.
This message, which has circulated widely via SMS, email and social media in recent months, warns users not to call back missed calls from numbers starting with +375 and +371. According to the message, those who do call back such numbers will receive an immediate charge of $15 to $30. Moreover, claims the message, calling back one of the numbers will allow scammers to instantly copy the contact list from the caller’s phone and also steal any bank or credit card information stored on the phone.

While the warning contains an element of truth, it is otherwise highly misleading and inaccurate.Reports indicate that, in recent months many people have indeed received suspect calls from numbers starting with +375 and +371. The calls typically ring once or twice and are then disconnected. 375 is the country code for Belarus. 371 is the country code for Latvia. Depending on their location, those who call the numbers back may be charged an international call fee, a portion of which may be paid to the scammers making the missed calls.

However, the claim that users who call the numbers back are automatically charged $15 to $30 appears to be unfounded. The figure of $15 may be a misinterpretation of reports that statedthe calls were charged a fee of 15 Indian rupees (about 26 cents USD).




Man Makes Credit Card Terms Sues Bank

A man in Russia made his own terms for a Credit Card,the Bank signed it and now has sued the bank for not honoring its contract!

Credit Cards.
Credit Cards.

Of course there is a legal battle.

Wish every one can do this !


But he didn’t throw the contract away or shred it. Instead, the 42-year-old from Voronezh, Russia, scanned it into his computer, altered the terms and sent it back to Tinkoff Credit Systems.

Mr Argarkov’s version of the contract contained a 0pc interest rate, no fees and no credit limit. Every time the bank failed to comply with the rules, he would fine them 3m rubles (£58,716). If Tinkoff tried to cancel the contract, it would have to pay him 6m rubles.

Tinkoff apparently failed to read the amendments, signed the contract and sent Mr Argakov a credit card.

“The Bank confirmed its agreement to the client’s terms and sent him a credit card and a copy of the approved application form,” his lawyer Dmitry Mikhalevich told Kommersant. “The opened credit line was unlimited. He could afford to buy an island somewhere in Malaysia, and the bank would have to pay for it by law.”

However, Tinkoff attempted to close the account due to overdue payments. It sued Mr Argakov for 45,000 rubles for fees and charges that were not in his altered version of the contract.




Home EMI Default,Taking Corrective Action

Buying a Home through Home Loans is the norm of the Day.

Days are past when being a Debtor was  considered a Sin and attracted social ostracism.

Now if you do not have a Credit card or Loan EMI, you do not belong to the uppity group.

Now that you have availed of Home Loan, it is prudent to know what action to take in case of unforeseen default.

EMI Default Points, Home Loans.
EMI Default Points, Home Loans.

1.Temporary problem in Repayment of EMI.

This might arise due to unexpected loss of job or expenses incurred in the Family due to Death, Illnesses.

In these cases represent the cases to the Lender the details in writing and request them for a minimum break from payment of EMI.

This may not be possible,

However ,depending on your credit rating, the managers may use their discretion in granting you relief.

This also may not be enough.

Make sure , if this request is granted, to stick to accepted schedule of payment.

You may also request them for a reduced EMIs at longer period of repayment.

This may be considered favorably ;this depends on your credit rating, qualifications company you work for or the number of years you have served in a company.

2.Permanent Failure to pay EMI.

You have no other option but to ask the Creditor to realize the mortgage and debit your account the balance if any.

Handling Collection Agents.

Inform th Collection Agent the position and confirm the details in writing to the Creditor.

Do not use abusive language.

In case the Collection Agents behave rudely including use of abusive language, report to the Link provided here below.

RBI is very clear on this.

Lenders are willing to negotiate 

Attaching a property is the last thing a lender wants to do. Though banks have the power to enforce the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002, (SARFAESI) to recover non-performing assets without the intervention of a court of law, this is the last step they prefer to take. A bank usually lets one mortgage payment default slip by, but for the next one, it will mail you a reminder to inform you that your payments are late. After three defaults, the bank will send a demand notice, asking you to pay your dues as soon as possible.

“If the borrower doesn’t respond to any of the mails, the bank sends a legal notice through its legal department,” says VN Kulkarni, chief counsellor at Abhay Credit Counselling Centre, which is sponsored by the Bank of India. A bank waits for three months before declaring an asset a non-performing one. “After the end of this period, the bank can officially term thehome loan an NPA and start the process of recovering the property through the SARFAESI Act,” says Kulkarni. Even after invoking the Act, the bank gives the borrower a 2-month notice period to repay the dues.

“Finally, five months after the first default, the bank sends a notice, stating that it has valued the property for a certain sum and that it will auction the house on a particular date. This is usually set for a month from the date that the bank mails you the auction notice,” adds Kulkarni.


On Collection Agents.


3. The bank would respect privacy of its borrowers.
4. The bank is committed to ensure that all written and verbal communication with its
borrowers will be in simple business language and bank will adopt civil manners
for interaction with borrowers.
5. Normally the bank’s representatives will contact the borrower between 0700 hrs
and 1900 hrs, unless the special circumstance of his/her business or occupation
requires the bank to contact at a different time.
6. Borrower’s requests to avoid calls at a particular time or at a particular place
would be honoured as far as possible.
7. The bank will document the efforts made for the recovery of dues and the copies
of communication sent to customers, if any, will be kept on record.
8. Inappropriate occasions such as bereavement in the family or such other
calamitous occasions will be avoided for making calls/visits to collect dues.
3. Giving notice to borrowers
While written communications, telephonic reminders or visits by the bank’s
representatives to the borrowers place or residence will be used as loan follow up
measures, the bank will not initiate any legal or other recovery measures including
repossession of the security without giving due notice in writing. Any genuine
difficulties expressed/disputes raised by the customer will be considered by the banks
before initiating recovery measures. Bank will follow all such procedures as required
under law for recovery/repossession of security.


Still you have problems report to Consumer Forums.

Plese read my blog posts filed under consumer forum.