“We Have Not Read It “….For A Change Bank Says this …. Not Customer !!!

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A Russian man has outwitted a bank by sending back a credit card contract with his own, handwritten, amendments to the contract for zero fees and zero interest. Now he’s had a win in court

A MAN who decided to get his own back on a bank which sent him an unsolicited credit card in an ingenious way has had his first win in court.

Dmitry Agarkov decided to write his own small print in a credit card contract and has had his changes upheld in court. He’s now suing Russia’s leading online bank for more than 24 million roubles ($A800,000) in compensation, RT.com reports.

Disappointed by the terms of the unsolicited offer for a credit card from Tinkoff Credit Systems in 2008, Mr Agarkov, 42, from the city of Voronezh, decided to hand write his own credit terms.

The trick was that Agarkov simply scanned the bank’s document and “amended” the small print with his own terms, scribbled in his own handwriting.

He opted for a 0 per cent interest rate and no fees, adding that the customer “is not obliged to pay any fees and charges imposed by bank tariffs.”

The bank didn’t read “the amendments”, as it signed and certified the document, then sent him a credit card.

It took two years before the bank decided to terminate Mr Agarkov’s credit card because of overdue payments.

In 2012, it sued him for 45,000 roubles ($A1500) – an amount that included the remaining balance, fees, and late payment charges, which violated the actual agreement.

The court decided that the agreement Agarkov crafted was valid, and required him to settle only his balance of 19,000 roubles ($A635).

“They signed the documents without looking. They said what usually their borrowers say in court: ‘We have not read it,’ his lawyer said.

Tinkoff founder Oleg Tinkov tweeted: “Our lawyers think, he is going to get not 24 million, but really four years in prison for fraud.”

The next hearing will be in September.
source::::news.com.au

natarajan
Read more: http://www.news.com.au/money/banking/no-fees-0-interest-bank-fail-as-man-scribbles-his-own-terms-on-credit-card-contract/story-e6frfmcr-1226693921929#ixzz2bZ3AoT6Y

Just For Laugh !!!!…..”Get Married on Twitter “!!!

Girl: Dad, I’m in love with a boy who is far away from me. I am in Ghana and he lives in UK.We met on a dating website, became friends on facebook, had long chats on whatsapp,he proposed to me on skype, and now we’ve had 2 months of relationship through viber  .I need ur blessings and good wishes daddy ………………

 

 

Dad said: Wow! Really!! then get married on twitter,  have fun on tango   . Buy your kids on e-bay,   send them thru gmail.    And if you are fed up with your husband…. sell him on amazon !!!!!

source:::::unknown….input from a friend of mine ..

natarajan

 

 

 

 

Laughter The Best Medicine !!!!….For Doctors Too !!!!

Doctor, I Have a Problem!
Some  hilarious ‘doctor, doctor’ jokes that will guarantee a lifting of the mood!

“Doctor, I can’t stop thinking I’m actually a dog.”
Doctor: “OK, come sit on this couch and lets discuss it.”
“But I’m not allowed up on the couch!”

“Doctor, I can’t seem to stop my hands from shaking all the time!”
Doctor: “Do you have a drinking problem?”
“I don’t think so – I usually spill half of it.”

“Doctor, I can’t help thinking I’m actually God.”
Doctor: “Interesting. When did this begin?”
“Well at first I created the sun and the moon….”

“Doctor, every time I drink coffee I get this pain in my eye…”
Doctor: “May I suggest removing the spoon first?”
doctor

“Doctor, are you sure this ointment will treat my spots?”
Doctor: “I try not to make rash promises.”

“Doctor, I’m pretty sure I’m actually a frog!”
Doctor: “And what’s so terrible about that?”
“I’m afraid I’m going to croak!”

“Doctor, I feel like a pack of used cards.”
Doctor: “I’ll deal with you later.”

“Doctor, my body feels like a needle!”
Doctor: “I see your point.”

“Doctor, I feel like a pair of curtains!”
Doctor: “Pull yourself togerther man!”

Doctor, “I have 59 seconds to live!”
Doctor: “I’ll be with you in a minute.”

source::::babamailnet

natarajan

Laughter …The Best Medicine !!! “Chicken was Delicious ” !!!

Four brothers left home for college, and they became successful doctors and lawyers.

One evening, they chatted after having dinner together. They
discussed the 95th birthday gifts they were able to give their elderly mother who moved to Florida .

The first said, “You know I had a big house built for Mama.”

The second said, “And I had a large theater built in the house.”

The third said, “And I had my Mercedes dealer deliver an SL600 to her.”

The fourth said, “You know how Mama loved reading the Bible and you know she can’t read anymore because she can’t see very well. I met this preacher who told me about a parrot who could recite the entire Bible. It took ten preachers almost 8 years to teach him. I had to pledge to contribute $50,000 a year for five years to the church, but it was worth it. Mama only has to name the chapter and verse, and the parrot will recite it.”

The other brothers were impressed. After the celebration Mama sent out her “Thank You” notes.

She wrote: Milton , the house you built is so huge that I live in only one room, but I have to clean the whole house. Thanks anyway.”

“Marvin, I am too old to travel. I stay home; I have my groceries delivered, so I never use the Mercedes. The thought was good. Thanks.”

“Michael, you gave me an expensive theater with Dolby sound and it can hold 50 people, but all of my friends are dead, I’ve lost my hearing, and I’m nearly blind. I’ll never use it. Thank you for the gesture just the same.”

“Dearest Melvin, you were the only son to have the good sense to give a little thought to your gift. The chicken was delicious Thank you so much.”

source ;;;; UNKNOWN.  ,,,,input from a friend of mine

natarajan”

Strange But True !!! Wedding @ India…Honeymoon@ London…For Pet Dogs !!!!

CAN You believe !!!!! But it is a true story…. PL read this  story  published in mailonline.com india  today…. !!!!!

Natarajan

Two Amritsar-based families are all set to throw a lavish wedding party for their friends where their much-loved dogs will tie the nuptial knot.

R.K. Khosla of Officers Colony and S. Bawa of Ranjeet Avenue have decided to host a colourful wedding ceremony for their pooches – Jacks and Jennifer – on September 11. The marriage will be solemnised as per the Hindu rituals and other ceremonies such as the ring ceremony, Mehandi and Barat will also be organised.

And what’s more, famous Punjabi singer Sabar Koti will rock the wedding bash. The families, however, will not accept any gift.

The hustle and bustle has already begun as the families are busy finalising the programmes.

“The invitation cards have already been printed and are being distributed. The place for the wedding has also been booked. The ceremony will take place on a platform where the groom, Jacks, and the bride, Jennifer, will offer lockets to each other,” said Khosla, the proud owner of Jacks.

But the icing on the cake is that the newly-weds will go to England for their honeymoon.

“We asked several five-star hotels in India to book a honeymoon suite for Jennifer and Jacks but they refused. We were even ready to pay some extra money to them, but they refused. Finally, we have fixed London as their honeymoon destination where dogs are allowed in hotels,” Khosla said.

Jacks’s father, who is from London, is an intentional dog champion and lives in America. His mother Jesina lives in London.

“Jacks has an air-conditioned bedroom which also has a swing. He watches television soaps and is intelligent. A doctor attends to him every day. Nobody can dare to enter the house when the children alone at home with him,” Khosla said.

source:::::MANJEET SEHGAL in  mailonline.com India

Natarajan

Read more: http://www.dailymail.co.uk/indiahome/indianews/article-2382077/Amritsar-families-throw-lavish-wedding-party-DOGS–complete-London-honeymoon.html#ixzz2aiWHiQsD

Photos Created to Make you Think and Laugh !!!!

They have been created to make you think and laugh.

From a young boy appearing to control an aeroplane from the ground, to a man using a running machine in a wide, open park, these quirky pictures certainly bring a smile to your face.

The conceptual photographs are the work of New York-based photographer Zack Seckler.

Quirky: These conceptual photographs are the work of New York-based photographer Zack Seckler, who manufactured each scene to make people think and smile

Funny: Some of the photographs show ridiculous situations while others are a play on words. This image shows a young boy about to fill up his tiny jeep with petrol

This image shows a young boy about to fill up his tiny jeep with petrol.
lSurreal: This man runs on a jogging machine in the middle of an empty, wide open park
This man runs on a jogging machine in the middle of an empty, wide open park

Some of the photographs show ridiculous situations while others are a play on words. Some are just completely random and surreal.

The pictures show a variety of different scenarios. One has a group of people looking out of a safari jeep while a gorilla sits perched on top.

Another has a young boy reaching for a petrol pump for his tiny child-like jeep.

Other pictures just appear to be completely surreal and quirky.

Light-hearted: A couple pose for a picture, as a plastic carrier bag with a smiley face blows across them

Light-hearted: A couple pose for a picture, as a plastic carrier bag with a smiley face blows across them

Humorous: A group of people on safari eagerly look for wild animals, completely unaware that a gorilla is sat perched on their vehicle

Humorous: A group of people on safari eagerly look for wild animals, completely unaware that a gorilla is sat perched on their vehicle

Random: A lion sits in wait below a road sign warning about crossing antelope

Random: A lion sits in wait below a road sign warning about crossing antelope

One shows a young boy lying on a large, empty beach with a shark fin attached to his back.

In another image, a woman is taken aback by the power of her tiny hairdryer, which completely blows her hair to one side.

Writing on his website, the photographer described how he approaches his work.


Fun: Mr Seckler says that photography is his expression of things he loves in life, including 'wonderful moments' and 'things that make me laugh'

Fun: Mr Seckler says that photography is his expression of things he loves in life, including ‘wonderful moments’ and ‘things that make me laugh

Odd: The upper body of a man appears perched over a fence, with a pair of shoes appearing as though they belong to him below

Odd: The upper body of a man appears perched over a fence, with a pair of shoes appearing as though they belong to him below’

Unique: This man appears to wrestle a bear onto his living room wall

Unique: This man appears to wrestle a bear onto his living room wall

The photographer explains that he loves pouring himself into his projects, and adds that the ‘act of creating is intoxicating’.

His website features four different subjects under which his work features.

As well as the ‘humour’ section, which these photographs feature under, there is also ‘lifestyle’, ‘landscape’ and ‘personal’.

 Different: This young boy sits on a beach looking out to the ocean, with a shark fin seemingly on his back
Different: This young boy sits on a beach looking out to the ocean, with a shark fin seemingly on his back

Passionate: The photographer, who is based in New York, says the 'act of creating is intoxicating'

 Bizarre: A monkey sits in a barren tree in the middle of a desert
Bizarre: A monkey sits in a barren tree in the middle of a desert

Mr Seckler has won numerous awards for his work dating back to 2007.
He has also worked for some of the world’s biggest companies, including Bank of America, Procter & Gamble and Gap.
On his website, he says ‘working with great people and creating excellent images’ is what ‘ it’s all about’.

Creative: The photographer said that he loves pouring himself into his projects

Surprised: This tiny hairdryer appears much more powerful than the woman expected

Surprised: This tiny hairdryer appears much more powerful than the woman expected

source::::mailonline.comUK

NATARAJAN

Read more: http://www.dailymail.co.uk/news/article-2381780/Quirky-photographer-Zack-Seckler-wants-make-people-smile-takes-surreal-look-life.html#ixzz2adrw7EzW

After Right to Food What Next ???!!!

Buoyed by the success of eradicating hunger from our country through the Food Security Ordinance, the government announced that it will now take on the scourge of homelessness that afflicts our citizens. The government announced a draft version of a bill which guarantees that all Indian citizens will get a roof over their heads. The Right to Housing Bill, as it is being called, calls for every middle class family to accommodate a minimum of 14 homeless people in their homes without compensation.

Announcing the measure at a press conference earlier today, the  Minister  said, “The Empowered Group of Ministers tasked with solving the problem of homelessness looked at it from all angles including factors such as total available residential area, demographics such as religion, caste, sub caste, secular status and ownership of cats. And they have come up with a holistic and innovative zero loss method of providing homes to the homeless,” leading to political pundits unanimously hailing it as the first known use of the expressions “holistic” and “zero loss” in the same sentence in the history of mankind.

Clarifying the reasoning behind the move, Minister added, “There are a couple of fundamental concepts that form the basis of this measure. The first is the notion that mere announcement of the right to ‘X’ has a magical way of making ‘X’ appear out of thin air. The second is that if an option to inflict severe pain on the middle class is available, the government must always exercise the option. We have taken these two epic concepts and mixed them up with caste and religion based quotas to achieve God level here.”

When prodded to elaborate, The Minister snapped, “Look, a lot of space is wasted by selfish middle class people who use homes as storage areas for their stuff. Tell me why middle class people need homes when they hardly spend any time there? They spend 13 hours in the office, another 3 hours on commuting on god awful roads through messy traffic and the rest of the time filling out income tax returns. They don’t even spend weekends at home. Instead, they go on road trips or to malls.. In the meanwhile, their homes have stuff and stay locked and unused. This is a scam of gigantic proportions which puts both 2G and Coalgate scams in the shade. Now, it is our responsibility as a government to question citizens on such dubious home ownership patterns which have led to much presumptive loss being incurred in buying assets and not using them in a profitable manner.”

Another Minister present at the press conference and observed going into paroxysms of ecstasy on hearing “presumptive loss,” vigorously defended his colleague saying, “The way this works, each middle class family will be forced to accommodate a minimum of 14 homeless people in their homes without compensation. If they don’t already own homes, they will be required to buy homes immediately and allow 14 homeless people to stay in them. The cool thing about this bill is that minorities,  are exempted from compliance . The Minister merely had this to say, “I’m incredibly jazzed that my re-definition of the word holistic to m ean I don’t know what the hell I’m talking about is being popularized by my colleague Minister. 

When quizzed about the impact of the measure on real estate prices, an exasperated The Minister quickly intervened and said “Obviously zero yaar. Zero. Zero. Zero. Everything is a bloody zero. How many times do I have to repeat this nonsense?”

Unconfirmed reports suggest that the government is working on an equally innovative “Right to Clothes” bill. According to sources, the bill will provide for any shirtless or dress-less person to legally and physically remove clothing of middle class people (with the exception of secularism certificate holders, minorities, OBCs and SC/STs) at any point in time and begin wearing it themselves with immediate effect !!!!  

Thank God !!!!…. At this hour Our  hero Anand  has got up from  his bed after a disturbed sleep in the night  dreaming about the Right to Housing Bill !!!!!

Now HE is praying to GOD   that his dream on the right to housing and right to clothing bills remain as dreams only !!!!   Let us also join him in his prayers…!!!!

We can only Pray … What to do !!!!!

natarajan

KYB…..Know Your Banker !!!!!

Smt and Shri.Anand  are sitting in a Bank branch in front of the Branch Manager . They are holding few forms of KYB… KNOW YOUR BANKER …

As per recent RBI and Banking Economic Regulatory Authority …BERA….  guidelines,   Every customer is required to know about his Banker in detail.

Hence the KYB fORM !!!!.

Branch Manager of the BANK SCANS THRO the blank form and says ” sir , lot of information is asked for in this form …both personal and official .. It will take time for me to fill up the form . I will get it done and handover to you tomorrow morning !!!”

” ok …no problem … but make sure you fill up all the columns and attach proof wherever it is mandatory as prescribed in KYB fORM ”
says Anand, the Customer…

Bank Manager again sees the form…. may be with little seriousness …. and surprised to note the following requirements !!!

1. your monthly salary income from Bank

2. Are you a Qualified Banker to handle and operate banking transactions ?

3 . If so, what is your educational qualification ….pl attach proof …Pl also note to produce the original certificate to
the customer for verification and return

4. what is your experience in this Bank ?….pl attach proof ….

5. Have you filed your Income Tax Returns for the last 3 years ?…. pl attach the copy of the returns filed

6. How many ATMS Your Bank is operating in your city ?

7.What is the customer base and strength of your Branch ?

8.What is the mode of your interaction with your customers ?

a. thro customer service cell operating from a different branch and city
b. thro sms and email from your side
c. thro regular Customer Meets

9. Are your mobile numbers and landline contact numbers available with your customers for speaking to you directly in case they need ?

10. Does your Branch display the Public notice Board inside the Branch giving the following inf. to customers..
a. Name of the Branch Manager or incharge
b. Contact Telephone No….Mobile as well as Landline
c. email id of the Branch Manager
d. Name and telephone no . of Customer Relation Officer of the Branch

11.Amount Of Deposits your Branch hold vis a vis the quantum of Loans and Advances your Branch disbursed in the last Financial year

12.Audit observations of your Internal Audit Team and Statutory Auditors on your Branch for the last 3 years … AND Action Taken Report [ATR] on it…. It is enough if you attach a copy of ATR.

13. A Certificate from the Branch Manager to the effect that all RBI Guidelines issued from time to time on Banking Operations are duly complied with by this Branch.

14. Photocopies of PAN Cards of all the Staff besides that of Branch Manager to be produced for verification of the customer..

15..Address Proof of the Branch Location , clearly indicating whether it is “own property ” or Rented premises.

” Are you still sleeping ?!!! Get up and get ready soon… Morning @ 11 , both of us are supposed to go go to our Bank for

verification of KYC Form AND other related formalities … Have you for gotten ?”…..This is Mrs.Anand !!!!!

” OMG…{.oh My God .}… it is all in my dream only !!!… whole night  i was thinking about KYC and designed a new form KYB!!!

..kNOW YOUR BANKER …. WHEN there is KYC , why not KYB ALSO !!!

Any Way, I am sure one day my format of KYB WILL Become a reality , …wait and see !!!” …This is Anand, …poor

man who lost his sleep over designing KYB Format !!!

Let us wait and see , whether KYB will also be introduced along with KYC !!!… The day , KYB Is in place, our hero ANAND WILL

be the happiest person to see that his dream becomes a reality ….

As of now, our Hero Anand is getting ready to go to his Bank Branch along with Mrs. Anand for KYC Verification !!!!

Let us all wish him the best of luck !!!

Natarajan

Laughter The Best Medicine … Husband is Like A Split AC !!!!

Toooo goooood….!!

Laugh it off…. Fight is Off !!!!!
Poems written by
WIFE and HUSBAND.

WIFE:
I wrote your name on sand it got washed.
I wrote your name in air, it was blown away.
Then I wrote your name on my heart & I got Heart Attack.

HUSBAND:
God saw me hungry, he created pizza.
He saw me thirsty, he created Pepsi.
He saw me in the dark, he created light.
He saw me without problems, he created YOU.

WIFE:
Twinkle twinkle little star
You should know what you are
And once you know what you are
Mental hospital is not so far

HUSBAND:
The rain makes all things beautiful.
The grass and flowers too.
If rain makes all things beautiful
Why doesn’t it rain on you?

WIFE:
Roses are red; Violets are blue
Monkeys like u should be kept in a zoo.
Don’t feel so angry you will find me there too
Not in cage but outside, laughing at you
AND THE SAGA CONTINUES……..
Position of a Husband Is just like a Split AC
No matter however Loud he is in the Outdoor
He is designed to remain Silent indoor…
……………………………………………………………
“Husband is one who is the head of the family,

but his wife is the neck, and whichever way she turns, he goes.”
………………………………………………………………
A man in Hell asked Devil:
Can I make a call to my Wife?
After making call he asked how much to pay.
Devil : Nothing, Hell to hell is Free.
……………………………………………………….
Husband: Do you know the meaning of WIFE?

It means, Without Information, Fighting Everytime!
Wife: No darling, it means – With Idiot For Ever
…………………………………………………………………
Wife: I wish I was a newspaper,
So I’d be in your hands all day.

Husband: I too wish that you were a newspaper,
So I could have a new one every day.
………………………………………………………..
Doctor: Your husband needs rest and peace. Here are some sleeping Pills.

Wife: When must I give them to him?
Doctor: They are for you
………………………………………………………….
Wife: I had to marry you to find out how stupid you are..

Husband: You should have known it the minute I asked you to marry me.
…………………………………………………………..
Wife: What will you give me if I climb the great Mount Everest ?

Husband: A lovely Push…!

and the life goes on……..

 

source::::input from a friend of mine

natarajan