Bankers think they are over smart


This is the email I sent to Nodal Officer for Lien on my accounts. I got an acknowledgement from them which don’t have reference to damages for the agony caused.

Dear Nodal Officer,

This is to bring to your notice about the irresponsible act on the part of ICICI Bank which has brought tremendous amount of monitory, time and productivity loss which lead to great mental agony.

All my agony started 6 years back when I bought ICICI bank credit card without knowing then that it is going to make my life miserable. I’d like you to go through this blog to know what has happened initially.

http://www.anandnataraj.com/me-icici-cibil

Even I was not happy in making the settlement on 2nd March 2007, I thought my irony is over but it is not. I still had your collection agents coming and disturbing. When I showed them the settlement letter they conveyed an apology. On 22nd July 2009 I got a letter from ICICI bank on Lien attached to my account. I don’t know why it took one week to send me the letter. By the time I received the courier the money was taken from my account.

I can’t understand why it took 4 years for ICICI to take action and don’t know if you don’t even have a process to segregate customers who have made the settlement.

Now your bank has not taken my name from CIBIL, they have taken my money twice which has lead to tremendous mental agony and I don’t know if you can help me out. I’d definitely want the bank to refund my money and pay damages for the trouble it caused me.

I’ve also sent an email to Banking Ombudsman and also I’m taking legal opinion to goto consumer forum.

As a blogger I’ll also take all steps to spread this irresponsible act of the bank.

Also in the last line of Lien of account letter they have sent the phone number without STD code.

Attached scanned copy of Lien on accounts letter, Settlement letter, Payment Receipt.

Thank you for your time.

Regards,
—
——-
S.Anand Nataraj

This is the reply I got from them

Dear Mr. Nataraj,

We acknowledge receipt of your e-mail of July 28, 2009 addressed to Nodal Officer regarding  your ICICI Bank Credit Card account number 4477 xxxx xxxx 4003.

The same has been registered vide Service Request SR113863258.

We understand that you have the following issue :

a. Reversal of the amount of Rs 7366.05 which is debited from your saving account. 

b. Necessary correction in the Credit Information Bureau India Limited (CIBIL) status.

We are looking into the issue and will revert to you on or before by August 3, 2009.

Sincerely,

Sri.Venkateshwara

Office Of Head Service Quality

It is nice to get their acknowledgement and a commitment on time but I don’t know how these bankers try to over smart us… I requested for Reversal, Removal of name from CIBIL and Pay damages for agony caused which they cleverly left it. You can check this paragraph in my email to nodal officer.

Now your bank has not taken my name from CIBIL, they have taken my money twice which has lead to tremendous mental agony and I don’t know if you can help me out. I’d definitely want the bank to refund my money and pay damages for the trouble it caused me.

Discover the Deepest Secrets of Money & Wealth Creation


Money is one of the most important and powerful resource. But Money has often been misunderstood and mishandled. The biggest lie you’ve ever heard or spoken is, “Money is not important in my life”. Money is as integral to your being as the air you breathe.

Our natural state is “rich”. Yet somewhere along the line some of us have lost our ability to connect to this huge blessing of abundance that always seems to be one step ahead of our reach.

This program welcomes you to a process of discovering the deepest secrets of money and wealth creation. 

ABOUT THE FACULTY

Suresh Padmanabhan is an excellent communicator and a powerful trainer. He is the creator of the famous “MONEYWORKSHOP” and also the Author of the book ” I LOVE MONEY” , an International Best Seller which has been translated into 11 Indian and foreign languages .

He has toured widely all over the world conducting Money Workshops. His talks have been telecast world wide through Zee networks a leading Indian T.V. Channel.

He has spoken to more than a million people world wide and also to various corporate on varied topics connected with self growth, money, wealth creation, spirituality and the stock markets. He is a columnist with leading magazines.

His aim is to impact the millions of people world wide and raise their level of consciousness in all areas of life especially in aspects pertaining to money and spirituality.

For details visit: http://www.themoneyworkshop.com/ 

PROGRAMME SCHEDULE

Date: 1st August 2009 (Saturday)
Time: 3.30 pm to 6.00 pm
Venue: Nahar Hall a/c , Desabandhu Plaza,
47, Whites’ road, Royapettah
(Next to Sundaram Towers),
Chennai – 600014.

Special Offer for Chennai Entrepreneur Meet up Members: Only Rs.200/- only if you confirm your participation right away by calling 9841438486 ( if you are a member of Life Academy the program is entirely free )

As the seats are limited, we request you to confirm at the earliest to avoid any disappointment.

This program is organized by LIFE ACADEMY – a life skills training organization based at Chennai which aims at creating Leaders of Tomorrow.

Yogasanasa & Benefits : Part II


Yogasanasa – Yoga Exercises

Bhujangasan

vcw4zp-1 

Time: 1/2 minute

Method:

  • Lie on your stomach, forehead on the ground, hands under shoulders.
  • Raise your upper body by the strength of the back muscles, head up.
  • Don’t take help of the hands, they may remain on the ground or held on the back over the hips.

Benefits: Helps in keeping the dorsal spine elastic and strong. Backache due to overstrain can be thus relieved. Helps considerably in reducing abdominal fat.

Yogasanasa – Yoga Exercises

Dhanurasan

1zvydnc-2 

Time: 1/2 minute

Method:

  • Lie on your stomach.
  • Bend knees, hold the ankles.
  • Pull your hands and push with your legs, knees together, till the trunk forms an arch with only the stomach on the ground.
  • Look up.
  • After releasing the posture lie for a while in Shavasan

Benefits: Reduces abdominal fat. The compressing of the spinal column, pressing the nerves with the scapulae (the winged bones at the back attached to the arms) minimizes blood circulation while in the asan. But when the pose is released a greater supply of blood is endured to those very regions increasing spinal flexibility and definitely raising the vitality.

Yogasanasa – Yoga Exercises

Chakrasan

9k9jc5-3 

Time: 1/2 minute

Method:

  • Lie on your back.
  • Bend knees, place feet apart and close to hips, place hands overhead, palms besides ears and shoulders.
  • Push with hands and, without moving feet, raise trunk as high as possible to curve the back into an arch.
  • Look on the ground between the hands.

Benefits: Builds a flexible back, stimulates the nerves of the spine. One of the powerful back bending postures.

Yogasanasa – Yoga Exercises

Bhadrasan

e7dx1k-4 

Time: 2 minutes

Method:

  • Sit holding feet together, heels as close to body as possible.
  • Head up, chin down.
  • Normal breathing.

Benefits: Specially recommended for those suffering from urinary disorder. The pelvis, the abdomen and the back get stimulated through a plentiful supply of blood. Keeps the kidneys, the prostate and the bladder healthy.

Yogasanasa – Yoga Exercises

Vajrasan

2jczw2e-5 

Time: 2 minutes

Method:

  • Sit on your heels.
  • Hands on knees, abdomen drawn in, chest up, back straight, shoulders squared, and head erect.
  • Normal breathing

Benefits: Aids digestion and helps cure sciatica.

Yogasanasa – Yoga Exercises

Paad-Pashchimottanasan

ftzmll-6 

Time: 2 minutes

 Method:

  • Lie on your back, legs straight, arms overhead, hands together, palms facing up.
  • Sit up, take hands overhead, back straight.
  • Then bend forward to hold the big toes, head between arms and touching the knees

Benefits: Reduces abdominal fat. Removes wind from the intestines and increases appetite.

The Proposal


propose-leap-year_6_444354aOne of my good friend called me and said he has got two proposals. He was happy that a girl proposed him and I was happier than him because I had good reason to ask him a treat. So today we went out for a movie and I thought it would apt to take him to the movie The Proposal.

I don’t want to talk more about that because it is someone’s personal and I didn’t get my friends permission to post even a bit of information he shared him (anyways pal if you read this blog don’t get hot because I didn’t specify your name :d).

Now I’m thinking how it would be if as girl has proposed me. Unfortunately not a single girl proposed me till date and not sure if I’d get that opportunity. I’m sure I’d have cherished if I had such an experience.

Thought I’ve approached girls for date and been successful couple of occasions I still envy people who got proposal from girls and strive to under go the experience.

Anyways let me not leave hope and keep my fingers crossed and wait for the lucky girl.

Back from The Proposal


the-proposalBack from watching The Proposal starring Sandra Bullock & Ryan Reynolds in the lead and the movie starts well with corporate humor and first half was fun and moves fast. Some where the director has lost track and second half been dragged long.

Now-a-days Hollywood movies resembles the Bollywood subjects and second half is like a typical north Indian touch of a rich family which has an heritage and a typical granny who takes over the climax.

Over all I was a great fan of Sandra during school and it is nice to watch her after a while and she still sizzles and movie is worth watching once.

Yogasanasa & Benefits : Post I


Yogasanasa – Yoga Exercises

Ardha-Matsyendrasan

mssoh-1 

Time: 2 minutes each side.

Method: Bend left knee, place left foot under right hip. Bend right knee, place right foot on left side of left knee. Hold left knee or right foot with the left hand – keep right knee on the left of left arm. Turn tunk to right, look back over right shoulder, right hand on ground or on waist as close to left thigh as possible.

Repeat with left knee bent and trunk turning to left.

Note: You may also hold hands through the gap below the raised knee.

Benefits: Increase the elasticity of the spine, and massage the abdomen and internal organs

Yogasanasa – Yoga Exercises

Sarvangasan

2m2cc5x-2 

Time: 2 minutes

Method:

  • Lie on your back, arms alongside. Raise both legs together – taking support of hands on the hips and the elbows on the ground.
  • Straighten the body – feet, knees, hips and back form one vertical column from the base of the neck to the tip of the toes, feet stretched, toes pointed, chin pressed against the chest.
  • Normal breathing.
  • Lie on your back, arms alongside.
  • Raise both legs together – taking support of hands on the hips and the elbows on the ground.
  • Straighten the body – feet, knees, hips and back form one vertical column from the base of the neck to the tip of the toes, feet stretched, toes pointed, chin pressed against the chest.
  • Normal breathing.

Benefits: Promotes healthy secretion of the circulatory, respiratory, alimentary and genito-urinary systems. Keeps the spine flexible preventing the bones from early ossification. Supplies large quantity of blood to the spinal roots of the nerves, thereby giving them sufficient nourishment.

Yogasanasa – Yoga Exercises

Halasan

m8in-3 

Time: 2 minutes

Method:

  • Lie on your back, arms alongside.
  • Raise legs an in Sarvangasan (you may take help of hands on the hips), then lower them overhead, knees straight, ankles stretched, toes pointed and touching the ground.
  • Arms stay on ground as in the beginning, palms on the ground.
  • The posture resembles the shape of a plough

Benefits: Makes the spine flexible, creates energy, and blood of the muscles of the back. Aids the functioning of the thyroid and thymus glands thus helping retain the individual’s youthful physical characteristics for a longer period.

Yogasanasa – Yoga Exercises

Pavan-Muktasan

ztw0wn-4 

Time: 1/2 minute each leg

Method:

  • Lie down on your back.
  • Breathe in.
  • Then fold the left leg from the knees.
  • Hold the fingers together and bring the folded leg to touch the stomach.
  • Lift the head and touch the nose to the knee. The other leg remains straight. Hold the breath.
  • Come to original position and leave the breath.
  • Follow the same for the other leg.

NOTE: This asan can also be done with both the knees folded.

Benefits: Removes gas from the abdomen and reduces abdominal fat. Increases the flexibility of the knees and hips.

Yogasanasa – Yoga Exercises

Matsyasan

icut-5 

Time: 1/2 minute

Method:

  • Sit with legs an in Padmasan – knees bent, feet on opposite thighs, heels towards the abdomen.
  • Lie on your back. Placing hands near the head for support.
  • Lift your back above the ground; keep the top of your head on the ground over a padded surface, e.g., a towel.
  • Keep your hands and your feet.
  • Normal breathing.

Benefits: Makes the neck flexible and strong, increases the size of the rib cage, widens the windpipe and thus helps deep breathing. Relieves the neck after sarvasang.

SEZs to go green


Commerce ministry has proposed mandatory norms for making special economic zones (SEZs) green, a move that could raise initial capital expenditure by promoters and developers although it could lower operating costs in the medium to long term.

So what are those Green Rules? 

  • Building envelope according to energy conservation building code.
  • External and internal lightning (minimum of 25% for internal) to be BEE star rated and solar lit.
  • Common space lighting to use LEDs.
  • Solar power to generate 50KW of power per ha.
  • 50% hot water requirement to be solar.
  • In situation water-generated power.
  • 100% water harvesting.
  • Zero waste generation.
  • Internal transportation via electric buses and rickshaws.
  • Exclusive pedestrian and bicycle lanes

Source: Ministry of Commerce & Industry.

Long Drive @ wired time


I and my friend Balaji enjoy long drive and sipping coffee. Today Balaji called me at midnight and asked if we can go for a coffee and go for along drive. Though we are 29 years by age still we live under the control of our parents, TII (That Is India).

I accepted his request and I took my car and we drove to airport for a coffee and I remembered by cousin telling he has to pick up his brother from airport and I buzzed him and caught up with him. In food court we enjoyed good looking girls and some air hostess. Also there was one girl who showed more glamour and we thought it was worth the visit.

Then we came out and spent some time with my cousin in the arrival point and again it was pulling down each other and some more bottom fishing (in simple words some more babe watch).

Then we drove back home through the new Maduravoyal outer ring road. Balaji was sharing about George Clooney movie which portrayed how Americans do politics with other countries and that was interesting topic for rest of the travel. Then all of a sudden we thought we can do some exploration at that time by trying new service lane route and it clicked. It helped us to find a new route to by pass the toll.

Through our smart thinking and risk taking adventure attitude helped us to convert fairway to freeway. Then we returned home happily for saving Rs.30 that we spend for toll.

ICICI Bank and irony continues…


Again my irony with ICICI bank continues. I posted a blog showcasing my experience with them. You can this blog http://www.anandnataraj.com/me-icici-cibil for more info.

clip_image001Now I received this letter from ICICI bank on 22nd July 2009 which says a Lien was attached on my account for non payment my credit card. It further said they will be doing it within a week from the time they have dated the letter and I received the letter after a week. By that time the money was taken from my account on 21st July 2009. Also in the last line they have specified to call their representative Saravathi specifying two phone numbers that too without an STD code. When I tried calling those number from my mobile which is from Chennai region I got Error on connection. I assume that number is a Mumbai number, but I didn’t try coz I thought it was unnecessary to make an STD call and waste my money.

What surprised me is all this problem happened during the year 2005 and I made a settlement during 2007 and four years from the problem they have taken money from my account and even after two years of making the settlement they have not taken my name from defaulters list. Which means still my name is listed in CIBIL. Thought I didn’t apply for loan recently my credibility has been put on stake for mistake on the part of bank. Even on the first time it was not my mistake but I didn’t want to make it an issue. But again for the second time this Bank has proved they are irresponsible.

I’d like to get help of you readers to take the bank on all possible ways and I’d like to have your experience and thoughts. You can help me by giving

  • Legal opinion
  • Possible methods we can take the bank like thru media, legal, ombudsmen etc.
  • Please let me know if you know anyone from media and would like to expose banks irresponsible acts which causes trauma to customers.
  • Also feel free to post it in your blog, share this in twitter and other social media methods.  

Though the amount is not that big for me it created some issues to me are 

  • Paying attorneys which wasted my money
  • Had to call and inform everyone whom I issued to Cheque to stop doing it and then adjust them which has wasted time and caused unnecessary mental agony.

I want to take the bank and expose their act because banks don’t understand the value of a customer and they take us for granted.

Here is the scanned copy of settlement letter and transaction receipt issued by bank two years back.

clip_image002clip_image003

Modhi Vilayaadu thumbs up


modhi-vilayadu-stills-021It is hard to consistently watch good movies and off late I’m lucky enough to watch good movies and I can list Modhi Vilayaadu in the category of movies I enjoyed watching. But why I wanted to blog about is I can find some similarities which happened in my life. How will it be if a person suddenly looses every thing one day? I personally experienced it in my life last year.

Talking about the movie director SARAN has done a cool job and I can place this as his best in the list of movies he has directed. I can feel his friendship with Thalai Ajith as he has used Thalai’s influence where ever possible. He has really narrated the story very well and the twist after the interval is really well executed.

kajal-agarwalThen the heroine of the movie Kajal Agarwal deserves applause. Her expressions are very cure and her childish acting has over shadowed hero’s role the entire first half. To give some weight to Hero in the second half she has been totally eliminated and she hardly comes 4 – 5 scenes in second half. Over all I think she has a bright future and wish her Best Luck!!!

I think Hero Vinay Rai has fit well into the script and the role. Only missing element in the movie is Kala Bhavan Mani. Thought he is a good actor his personality doesn’t fit well for the role.

Other thing I liked is the Title Song and its picturised well. Hariharan, Deva and Lez Lewis have really added great momentum to the song. I’ve added this song in the motivation category of my songs list.

In short it is a must watch movie!!!!