Devesh's Blogs

Does India also needs PATRIOT LAW ?: Yes in present context India needs a PATRIOT LAW

noreply@blogger.com (Anonymous) — Tue, 23 Feb 2016 16:20:00 +0000

Does India also needs PATRIOT LAW ?: Yes in present context India needs a PATRIOT LAW

AVIVA mis-sells insurance policies BEWARE

noreply@blogger.com (Anonymous) — Sun, 26 Jul 2009 11:51:00 +0000

Kindly forward this mail to all your contacts and help to safeguard their interest and their hard earned money, with a cc to me and customerservices@avivaindia.com

---------- Forwarded message ----------
From: Devesh Chandra Misra <deveshchandramisra@gmail.com>
Date: 2009/7/25
Subject: NON payment of my money for NSG1184318
To: customerservices@avivaindia.com

I simply want my money back, invested with your company in insurance policy no NSG1184318.
I have number of times informed you that your representative Mr. Siddarth Chauhan & Mr. Amit Jauhari had taken Rs.48000 to be invested in a insurance policy as one time investment with returns of more than bank's rate.
They (Mr. Siddarth Chauhan & Mr. Amit Jauhari) had promised me that after 3 years I will get my money back with interest, with an assurance that they will help me in getting my money back after the said period. They had provided with me their visiting card, which mentions 'Siddarth Chauhan - Personal Banker' of ABN-AMRO, the mobile no on the card is '9935092047'. Which whenever dialed after the the 3 years time period says the "customer you are trying is not reachable".

On approaching your office situated at Sapru marg I was informed that my money is forfeited and will not be returned. On being asked I lodged a written complaint (dt:26/06/2009) giving all the details and promises made to me while investing.

The result of this complaint was that I received two phone calls on 1/jul/09 & 03/jul/09 wherein they again confirmed the details and assured of faster action.

On 03/jul/09 I received two letters, first stating that investigation is on and will inform, the second letter of the same date received, mentioning number of conditions and informed their inability to cancel the said poicy with a request to stay invested.

I would like to point out that issuing two letters on the same date raises doubts over authenticity of the investigation, then when I visited your office you have told me that you are not aware about the whereabouts of the said representatives ( Mr.Siddarth Chauhan & Mr. Amit Jauhari) then how could you discuss my case with them ?

It seems you and your representatives are in connivance and sell the insurance policies by misrepresentation & suppression of facts, misinforming customers, defrauding and cheating the customer's confidence causing monetary harm and mental torture.

I hope a better sense will prevail and looking into the good business-practices you may act fast to remit my money back.

Hoping to hear positively from you,

I was given a receipt no.

--
Devesh Chandra Misra

P.S. I am forwarding the copy of this mail to all my contacts with a CAUTION to beware of AVIVA and its representatives, so they may not suffer like me.

--
Devesh Chandra Misra

Reminder sent to AVIVA on 06/AUG/2009
Reminder No1.
Till this time I have not received back my money invested with you, neither you have informed me by what time I would receive the same.

You are requested to expedite the issue.

Response received from AVIVA regarding my reminder no.1. (on 07/Aug/2009)

Dear Customer,

Thank you for contacting us.

Your message has reached our Customer Services Team and you can expect a
response from us in this regard within next two working days*.
*Please note that we are not working on Saturdays, Sundays and public
holidays.

"If your enquiry/ concern is of an urgent nature, then please feel free to
call our Customer Service Helpline at 1-800-180-2266 from your MTNL or BSNL
line (available Monday - Saturday 8am to 10pm, except on public holidays)."

Yours Sincerely
Aviva Life Insurance Co.India Ltd.

Aviva Tower, Sector Road, Opp Golf Course,
DLF - Phase V, Sector - 43,
Gurgaon 122 003
Tel# 91-124-2709000-01 Fax# 91-124-2571210

Letter sent to AVIVA on 07/Aug/2009.
I simply want my money back and in none of your correspondences you have not mentioned what is the status of my getting my money back.

Kindly send me the details of in writing :

1. How would I get my money back?
2. How much amount will I get back?
3. By what time I will get my amount?
4. What is required on my behalf to do to get my amount back?

Please answer the above queries specifically.

An early reply would be taken as good business practice.

/Devesh Chandra Misra.

PS. In one of your letter you said you could not reply in two days time, if you go through the letter carefully you may be astounded that its a "REMINDER NO.1" not a fresh letter.

India's foreign policy

noreply@blogger.com (Anonymous) — Fri, 24 Jul 2009 02:44:00 +0000

India is an exceptional country as far its friends or allies are concerned. To my opinion there are no friends of India, may be the politicians may have an distorted view. You look around the continent, they say Nepal, Sri Lanka are there friends, but, you have to just visit these countries to know the reality, the hostility will be noticeable.

There was a time during Chinese Aggression way back in 1962 when the same situation was quite evident. The American Seventh Fleet came to help but, the same Seventh Fleet was there against India's war in Bangladesh, then Russian Navy came to India's respite.

How they messed with Sri Lanka is the latest example of unclear thinking. It well known that at first you trained LTTE so they may fight for there right, then you switched sides, during Rajiv Gandhi era, and tried to play 'big brother' by sending IPKF to fight the same LTTE along with Sri Lankan forces. The IPKF was not prepared and neither they were briefed properly with intelligence inputs. They were only told that "they (LTTE) are our boys you need not fear from them". What happened? IPKF suffered heavy casualties and had to be withdrawn. IPKF were restrained and had to take clearance before shooting the troubling soldiers. There was no one who could issue direct orders, all the orders were Delhi controlled. In such situations (war) if soldier cannot shoot when enemy is encountered, then it is easy to asses the outcome. There were some states within the country (so called united India) who were blatantly opposing the sending of IPKF. The recent elimination of Sri Lankan internal problem of LTTE was possible with the Chinese help, not Indian, and China went out to protect Sri Lanka against any global admonishments. Now if China has gained Naval Base at southern tip of Sri Lanka you become apprehensive and have lost a possible ally.

Take the case of Nepal, you just cross into Nepal and you will know that Indians are most hated and have to bear the grunt. Why one gets treated like this in so called friendly nation ? The answer is thew same , because of our unclear foreign policy and taking things for granted. When Nepal looks for support India behaves with lot of uncertainties and non-dependable statements and attitude. You try to treat Nepal as your protege and think they will are bound to bow before you no matter how late and with what impunity you act. Every country has its own think-tanks , and when Nepal gets easier and more reliable support from China, you feel that they are not treating you well.

As far as Bangla Desh is concerned it is evident that India wished to divide and lessen the power of Pakistan. It was a right decision to send Indian army to help Muji-bur-Rehman and help forming of Bangla Desh. Again what happened, because of your unclear and rigid stands and more over non dependability Bangla Desh started looking else where. The situation ultimately turned so ugly that you needed to erect fencing at the border and skirmishes erupted. India was not able to take the benefits of the good job done by Indian army.

Look at Pakistan, does India has a clear and sticky foreign policy ever since independence, the answer is big NO. Sometimes under world pressure you timidly approach your enemy for reconciliation. You meet them in AGRA and they spat on your face. They have a clear policy to defame and disturb your tranquility world over. They can defend themeselves even after state sponsored terrorisim and no one listenes to your pleadings that you were SLAPPED. You keep on crying and showing your wounds before the world just to gain sympathy. DID AMERICA PESPONDED TO 9/11 WITH A DIALOGUE ? No it reacted with vengeance and a war. You look at INDIAN POLICY, it cares more for world opinion and reaction. Why anybody else should react - are you incapable or incapacitated. Recently much learned and respected Manmohan Singh and thought to be as an able politician fell in trap of Pakistan regarding Baluchistan and on top of it is now justifying and has blamed media coverage.

With China you are still in doldrums regarding a clear and long-sighted foreign policy, the result is in every decade your foreign ministers visit China with a cloudy vision and come back empty handed. On contrary China is very clear with its foreign policy and if it looks after its countries interest in the bargain no one should feel bad. They have DEVELOPED allies and are keeping their policies clear whether it be Pakistan, Sri Lanka or other allies.

India needs to look around the world and shop for allies with their dignity and interests in mind. They have to stick to clearer policies and the biggest need is to stick to them and be seen as DEPENDABLE. Why ? because no body wants an undependable friend.

You just look around the world, can you name a single country in the entire world who is a strong ally of India even after so many years of independence.

ONLY GOD SAVES INDIA AND INDIANS..... please say AMEN.

Does India also needs PATRIOT LAW ?: Yes in present context India needs a PATRIOT LAW

noreply@blogger.com (Anonymous) — Sun, 29 Mar 2009 23:51:00 +0000

Does India also needs PATRIOT LAW ?: Yes in present context India needs a PATRIOT LAW

USA being milked by Pakistan over Taliban issue..

noreply@blogger.com (Anonymous) — Sat, 28 Mar 2009 02:21:00 +0000

World knows that the Pakistan is the terror industry except USA. I fail to understand, what the USA wants to achieve by blindly helping a terror state. Lately USA military advisers have confirmed the view that Pakistan's role is dubious in controlling Taliban.

Pakistan secures funds, arms, and political support from USA on the pretext of fighting terrorism and helping US forces. But why USA turns blind eye to this fact loses credibility of US government.

How smartly Pakistan twists the arm of USA that it continues to fall in the same old trap repeatedly. Why is USA is so fearful of Pakistan withdrawing support of its forces in fighting terrorism ? Its million dollar question.

Probably the strategic location of Pakistan is all important. From the bases in Pakistan, USA forces can better control Afghanistan, Russia, China and India.

There policy of pampering Pakistan has been continuing in post Kennedy era. All the funds, arms and ammunition supplied by USA are and have clandestinely being utilized for helping terrorists. This translates to US itself wants terror outfits to go strong and utilize their strength to achieve some surreptitious goals. What can be those goals - to control China & India and reduce their controlling power.

Pakistan is also smart enough to utilize its China Card as an ATM for getting US co-operation and support. China has also found a good ally who will kowtow their interests in the region. Its well known fact that in developing a nuclear bomb who all helped this terror state.

USA should realize that Pakistan can never become an ally like ISRAEL. Its known for its dubious distinction.

It would not be out of context to say that Pakistan is milking USA by being friend in disguise.

Stagflation and Indian Economy

noreply@blogger.com (Anonymous) — Wed, 25 Feb 2009 10:19:00 +0000

The Global stagflation, is the price the world economy has to pay for the American misadventures (War). They are still burning their tax-payers money resulting in the present crisis. (refer: Global Recession a by-product of WAR).

To fight recession there are two main alternatives before any regulatory authority - increase money supply or tighten monetary policy, both of these steps have their side effects.

If, Money Supply is increased, although it stimulates economy and generates employment but it increases INFLATION.

Now, if the Monetary Policy is tightened, no doubt it will increase interest rates (promoting savings) and reduce inflation but it increases unemployment plus it reduces Output Growth.

Due to the good standard operating procedures (SOPs) of Reserve Bank of India(RBI), and Nationalization of Banks ( by Indira Gandhi, Prime Minister), Indian economy has stronger roots. The impact of recession is felt all over the globe and so to some extent by Indian Economy.

RBI is walking a tight rope and doing the balancing act between inflation and growth, but injury takes time to heal. The recovery phase may start by the end of 1st. Quarter and may be visible by 2nd.Quarter i.e. late July'09.

Every situation has a positive silver lining. In this situation Long Term Investors ( Min. 3-5 yrs. of Investment) definitely stand to gain. Invest as you would invest in a 5 yr. FIXED DEPOSIT.

Small investors should stay away from day-trading and at best can take risk with Short Term Investments i.e. picking at levels of under 2710 and booking profits at 2910+ levels. (Ref: NSE Equity Trading Tips )

USA not a dependable friend of INDIA

noreply@blogger.com (Anonymous) — Tue, 30 Dec 2008 12:46:00 +0000

When the foolish Indian politicians will realize that history is a proof of USA’s bias for Pakistan. Further had ever in the history US has supported India for anything?

As compared to USA the more dependable ally is Russia. US has always acted only for self interest and their views, rules are different for different countries.

Since Pakistan will serve their interest of waging onslaught against Taliban how can one think that it will give fair judgment even if Pakistan is grossly proven terror hub.

India should not depend on USA as a friend or ally.

Mumbai Attack and Politician's Ego

noreply@blogger.com (Anonymous) — Wed, 03 Dec 2008 08:44:00 +0000

The Indian politicians have demonstrated beyond doubt to the entire world that they have bigger EGO than the world thinks. Just think instead of sympathizing with WAR HEROES family, The way politicians have reacted:

Mr.Achutanadan, Chief Minister of Kerala, commented, "If it had not been Sandeep's house, not even a dog would have glanced that way". Thanks a lot Mr.Politician for exposing your true colors. I sincerely pray to God that this exposure of real self will prove to be eye-opener for Indian JUNTA. Its good that he has forgotten that he is enjoying all the amenities of life with this PUBLIC's MONEY.
Mr. Vilasrao Deshmukh, Chief Minister of Maharashtra, took his actor son Ritesh alongwith a film director Ram Gopal Verma for ........???? A highly callous and insensitive act. Plus he commented, "these type of small incidents happen in big cities ".
Mr.Mukhtar Abbas Naqvi, Vice President of BJP, was the most effected and stung by public's protest that he concentrated more on "lipstick and powder" of women and "suits & ties" of men. Thanks again Mr.Naqvi for revealing your true feathers.
Mr. Digvijay Singh, General Secretory of Congress, thinks that this public outrage is the product of media.
Mr.Nitish Kumar, Chief Minister of Bihar, feels that this is a designed campaign.

These outbursts by politicians and their tall EGO is hit for the first time and they never expect Indian Junta has a right or stature to utter any word against them or can hold them responsible for anything going wrong, "these type of small incidents happen in big cities".

It seems over the years the political pedigree has changed.... and the public has started realizing the truth.

Global Recession a by-product of WAR

noreply@blogger.com (Anonymous) — Sun, 23 Nov 2008 05:00:00 +0000

Every war has its economical impact and history proves it. Whether it is from the strongest economy or developing economies. World War-I, German Inflation during Hitler's era, Russian Revolution, World War-II, Vietnam War, Indo-Pak War, Iran or Iraq War, all prove beyond doubt that funding in all these wars is from concerned countries' tax-payers. No country's economy is immune enough to consequences of war, whether it may be attacker or the attacked. You may label the war with any any name (fight against terror) the affects cannot be nullified.

The Reserve Bank or any Federal Agency controlling the economy of the country, they are non profit organizations, created with an intention to stabilize economy by following various methods. They are answerable to none and with a free hand. They regulate the money supply to the government for funding various schemes & projects. They also provide the leverage to the country by providing funds for waging war in the name of defense. Now just for the common understanding the cost of war, or the country's capabilities to wage war are financed by Reserve Bank or Federal Bank, who in turn collect it through various improvised methods form the public.

Whom the government may approach for financing the WAR ?

If you are asked to give Rs.10,000 for waging a war, would you part with the amount. The answer can be well imagined, so what else can the government do ? they have found a way out - to recover the expenses of the WAR by picking the pockets of unwary public, by imposing direct or indirect taxes.

Now just imagine for a moment that, if your pay-cheque is Rs.25,000 and Rs.10,000 are taken away how you will cope for various requirements. Obviously you will cut down all the expenses which can be postponed or you will adjust rather will be forced to adjust your expenditure. The result your buying capacity will be reduced. This will effect the retail demand and will adversily effect the production of the goods.

If the producing company is unable to meet its targeted profit what are the options left before the company or organization to remain afloat ? The company would reduce production, workers will become idle leading to lay-offs. After first round of these corrective measures the company if still finds itself in non-profitable position, how long will it bear. The company decides the enevitable the SHUTDOWN. This will further lead to addition of unemployment problem.

All the above factors lead to further lowering of demand and further CLOSURES.

The inflation spreads its tentacles, further affecting the common man who has a fixed income or pensioners. People with variable income remain a little less effected. Export/import of the country is adversely impacted.

Lower production leads to shortages. People start holding or piling up reserves in fear of non-availability or price-escalation further compounding the inflation.

The resultant effect is less money so to increase the money supply lending rates or repo rate is cut, to make more money available to the companies. All sorts of measures are taken by Reserve or Federal Bank to contain inflation.

The above impact of WAR will continue till Fedral or Reserve Bank fills the coffers again, which is imperative.

Reforming Indian Police...

noreply@blogger.com (Anonymous) — Fri, 31 Oct 2008 19:01:00 +0000

A tough job than it appears...

The Indian force is known for all those reasons for which nobody would like to be known. They are the force who believe in force. Any person with right frame of mind would not like to or be approached by an Indian police. People want to stay away from Indian police.

Many officers tried in vain to change image of POLICE. They stick to their guns. Their nexus with criminals & politicians is well known and accepted fact. Instead of protecting, I feel we need to be protected from them.

They are there just to harass common & law fearing individuals. For rich & famous the story is vice-versa.

They behave as if during pre-independence era the Britishers treated Indian public.

Its known to everyone how they mess-up the investigation and their trade mark of "late comers"... reaching the crime after exorbitant delay. The list is endless.

Fine, this is one side of the coin, now have a look at the other side of the coin. You would be surprised that they are still governed by some rules which were formulated by the Britishers. They still get Rs.150/- ($ 3.20) for disposing off the unclaimed bodies and they are supposed to collect the body from mortuary, transport it to the burial and do the last rites according to the religion of the dead. Have you wondered what is the salary of a constable, its just Rs 6500/ month. Under what extreme and inhuman conditions they are required to work. They don't have eight hours of shift rather they are on work 24X7. To add to their woes is indecent, corrupt, arrogant behavior of their superiors. There are no Human Relations Department to plan their welfare, and even if it exists its only on the paper. If they take no action against the criminals, public, media, politicians all blame them, but if they take action then the same public, media and politicians and even HUMAN RIGHTS don't spare a word in criticizing them. The unscrupulous politicians use the police force their whims and fancy and also finds them the safest scapegoats. Have a look at their level of education, training, living conditions, the money and other pleasures they have to ensure for their superiors and politicians. They have to protect the lives of criminals once they become politicians. Place yourself in these working conditions then think.

Now under the above circumstances the big question is what should be done do reform them ?

You may contribute your ideas on managing this problem.

Indians are outsiders in India

noreply@blogger.com (Anonymous) — Fri, 31 Oct 2008 18:22:00 +0000

Indian ........huh !!

Don't be so proud to be an Indian as you may not have right to live in any particular part of Indiyaaah ....

Taken aback ..

Yes, my friend, its a bitter reality.

You cannot reside anywhere you want in INDIA. You need to have passport stamped by the state you want to reside and even then you will not gain State's Citizenship.

Don't laugh ! This is true for independent modern INDIA.

Was this India which the freedom fighters gave their life ? Those people would have never dreamt of such a situation. Such is the influence of one citizen over the entire state. Who says there is any law in this country ? Law is blindfolded, or for those ordinary people who don't have a political pedigree.

With this type of situation in Maharashtra, where Indians become North Indians and are booted out. The whole country stands as mute & dumb spectators. LAW is helpless. Constitutional Rights are flowing down the drain. Who cares !!

For extremists and enemy you have police, military, and intelligence agencies and LAW, but what about ENEMY WITHIN ? A person is indulging in anti-national activities, is disrupting law & order, trampling Constitution of India and there is no one stop him.

S.O.S. Is SUPREME COURT listening, because its the only hope left for Outsider Indians ...