[Resolved] Shriram Chit Funds — Fraud in chits | |
I have two chits currently running with Shriram Chits at Tiptur. The manager himself with the staff staff creates dummy bidders and bids for the chits and takes the money. The agents at shriram chits are also bidders where as they are not suppose to bid. When asked for bidder details they try to manhandle me. They spoke very arrogantly. The person who does all this is Ravi. He has full support from his manager. The manager is never found at office at all. They arrogantly told me to take back my money from the chit and they will cancel my name. When i said ok they denied and said that i will have to pay Rs.15000 for cancellation. These people here are cheating us. Please do the needfull. regards Manish [protected] Was this information helpful? | |
Aug 14, 2020 Complaint marked as Resolved | |
 181 Comments | |
Comments
எனது பெயர் பெ. வெங்கடேச மணிகண்ட பாண்டியன்(Employee code :V0221), நான் கடந்த 16.01.2004 அன்று ஸ்ரீராம் சீட்டு நிறுவனத்தில் Management Trainee ஆக வேலைக்கு சேர்ந்தேன்.
பின்பு 01.03.2005 அன்று முதல் சிர்காழி கிளையில் இளநிலை மேலாளராக பணி புரிந்து வந்தேன். பின்பு 01.10.2005 அன்று முதல் திருச்சி பிராந்திய அலுவலகத்தில் TRADE LOAN பிரிவில் இள நிலை மேலாளராக பணி புரிந்து வந்தேன். அதன் பின்பு 31.12.2006 அன்று முதல் தஞ்சாவூர் மண்டலத்திற்கு Product Excutive (Life insurance) ஆகா பணிபுரிந்து வந்தேன். மேலும் 01.03.2007 அன்று முதல் பட்டுகோட்டை மண்டலத்திற்கு JBDM ஆகா பணி புரிந்து வந்தேன். பின்பு 01.08.2007 அன்று எனது குடும்ப காரணமாக நான் ஒரு மாத பதவி விலகல் முன் அறிவிப்பு கடிதத்தை பட்டுகோட்டை மண்டலமேலாளர் அவர்களிடம் சமர்பித்தேன். அதன் தொடர்ச்சியாக 04.09.2007 அன்று எனது பதவி விலகல் கடிதத்தின் நகலை பட்டுகோட்டை மண்டல மேலாளர் அவர்கள் திரு ராஜராஜன் அவர்களிடம் நேரடியாக சமர்பித்தேன். பின்பு பதவி விலகல் கடிதத்தின் அசலை அப்போது உள்ள உபதலைவர் திரு சரவணகுமார் அவர்களுக்கு தபால் மூலம் அனுப்பிவைத்தேன் மேலும் அதனுடைய மற்றொரு நகலை அப்போதுள்ள Mr. Ramesh (AGM D&S) அவர்களுக்கும் அனுப்பிவைத்தேன். ஆனால் எனக்கு 12.09.2009 அன்று வரை Reliving Order and PF Formalities எதுவும் முடிக்கவில்லை. இதன் தொடர்ச்சியாக 12.09.2009 அன்று மறுபடியும் உபதலைவர் திரு சரவணகுமார் அவர்களுக்கு Reliving Order and PF Formalities வேண்டி Request கடிதத்தை தபால் மூலம் அனுப்பிவைத்தேன்.அதிலிருந்து பலமுறை RM pattukottai, Mr.Pandiyan(Zonal Manager, Trichy Zone) GM (Personal, Head office Chennai)ஆகியோருக்கு தொலைபேசி மூலம் தொடர்புகொண்டேன் ஆனால் இதுவரை Reliving Order and PF Formalities எதுவும் முடிக்கவில்லை. நான் நமது ஸ்ரீராம் நிறுவனத்தில் வேலைபார்க்கும் போது எந்தவித தவறும் செய்யவில்லை நான் வேலை பார்த்த அனைத்து பிரிவிலும் எனக்கு நல்ல பெயர் தான் உள்ளது. நான் மனசாட்சிக்கு கட்டுப்பட்டு நடப்பவன். நான் உழைத்த எனது பணம் கிடைக்க இவ்வளவு கால தாமதம் ஆவது எனக்கு மிகுந்த மனவருத்தம் ஆகின்றது. என்னை வளர்த்த ஸ்ரீராம் நிறுவனத்திற்கு என்று நன்றிகடன் உள்ளது நான் தற்பொழுது மிக பிரபலமான நிறுவனத்தில் மண்டல மேலாளராக உள்ளேன் இதற்க்கு காரணம் நமது ஸ்ரீராம் நிறுவனத்தில் கற்ற பாடம் தான். ஆகவே தாங்கள் எனது Reliving Order and PF Formalities வழங்குமாறு மிகவும் தாழ்மையுடன் கேட்டுகொள்கின்றேன்.
நன்றி
பெ. வெங்கடேச மணிகண்ட பாண்டியன்
491/86 6 வது குறுக்கு தெரு
பாரதி நகர் (தெற்கு)
காரைக்கால் ரோடு
கும்பகோணம் -612001
Ph : [protected]
பின்பு 01.03.2005 அன்று முதல் சிர்காழி கிளையில் இளநிலை மேலாளராக பணி புரிந்து வந்தேன். பின்பு 01.10.2005 அன்று முதல் திருச்சி பிராந்திய அலுவலகத்தில் TRADE LOAN பிரிவில் இள நிலை மேலாளராக பணி புரிந்து வந்தேன். அதன் பின்பு 31.12.2006 அன்று முதல் தஞ்சாவூர் மண்டலத்திற்கு Product Excutive (Life insurance) ஆகா பணிபுரிந்து வந்தேன். மேலும் 01.03.2007 அன்று முதல் பட்டுகோட்டை மண்டலத்திற்கு JBDM ஆகா பணி புரிந்து வந்தேன். பின்பு 01.08.2007 அன்று எனது குடும்ப காரணமாக நான் ஒரு மாத பதவி விலகல் முன் அறிவிப்பு கடிதத்தை பட்டுகோட்டை மண்டலமேலாளர் அவர்களிடம் சமர்பித்தேன். அதன் தொடர்ச்சியாக 04.09.2007 அன்று எனது பதவி விலகல் கடிதத்தின் நகலை பட்டுகோட்டை மண்டல மேலாளர் அவர்கள் திரு ராஜராஜன் அவர்களிடம் நேரடியாக சமர்பித்தேன். பின்பு பதவி விலகல் கடிதத்தின் அசலை அப்போது உள்ள உபதலைவர் திரு சரவணகுமார் அவர்களுக்கு தபால் மூலம் அனுப்பிவைத்தேன் மேலும் அதனுடைய மற்றொரு நகலை அப்போதுள்ள Mr. Ramesh (AGM D&S) அவர்களுக்கும் அனுப்பிவைத்தேன். ஆனால் எனக்கு 12.09.2009 அன்று வரை Reliving Order and PF Formalities எதுவும் முடிக்கவில்லை. இதன் தொடர்ச்சியாக 12.09.2009 அன்று மறுபடியும் உபதலைவர் திரு சரவணகுமார் அவர்களுக்கு Reliving Order and PF Formalities வேண்டி Request கடிதத்தை தபால் மூலம் அனுப்பிவைத்தேன்.அதிலிருந்து பலமுறை RM pattukottai, Mr.Pandiyan(Zonal Manager, Trichy Zone) GM (Personal, Head office Chennai)ஆகியோருக்கு தொலைபேசி மூலம் தொடர்புகொண்டேன் ஆனால் இதுவரை Reliving Order and PF Formalities எதுவும் முடிக்கவில்லை. நான் நமது ஸ்ரீராம் நிறுவனத்தில் வேலைபார்க்கும் போது எந்தவித தவறும் செய்யவில்லை நான் வேலை பார்த்த அனைத்து பிரிவிலும் எனக்கு நல்ல பெயர் தான் உள்ளது. நான் மனசாட்சிக்கு கட்டுப்பட்டு நடப்பவன். நான் உழைத்த எனது பணம் கிடைக்க இவ்வளவு கால தாமதம் ஆவது எனக்கு மிகுந்த மனவருத்தம் ஆகின்றது. என்னை வளர்த்த ஸ்ரீராம் நிறுவனத்திற்கு என்று நன்றிகடன் உள்ளது நான் தற்பொழுது மிக பிரபலமான நிறுவனத்தில் மண்டல மேலாளராக உள்ளேன் இதற்க்கு காரணம் நமது ஸ்ரீராம் நிறுவனத்தில் கற்ற பாடம் தான். ஆகவே தாங்கள் எனது Reliving Order and PF Formalities வழங்குமாறு மிகவும் தாழ்மையுடன் கேட்டுகொள்கின்றேன்.
நன்றி
பெ. வெங்கடேச மணிகண்ட பாண்டியன்
491/86 6 வது குறுக்கு தெரு
பாரதி நகர் (தெற்கு)
காரைக்கால் ரோடு
கும்பகோணம் -612001
Ph : [protected]
Sheet Value 160000/-(One Lakh sixteen Thousand). Document submit in Thondiyarpattai Branch. Sheet No:58008/6early sanction please.(Two TNEB /ETPS Employee Surity & Salary slip, ID Card Xerox Enclosed.
by.
S.Kumar.
by.
S.Kumar.
I have a chit currently running in Shriram Chits at Tuticorin. On 16.2.2010, I went to bid the money for my urgent need. But the Manager and the Agents syndicated with each other and conducted a dummy bidding. In the last second of bidding, the auction manager gave some hand signal to agent and the agent bid for Rs.10000 and at the same time I bid for Rs.10100. But the manager in the strange manner sanctioned the least bid of the agent instead of mine.
In the bidding room there was no countdown clock fitted in the wall for everyone has to notice that the crucial last second. The manager only had a handy countdown clock and he gave signal to the agent at the finishing second.
After that I argued with them for that cheating, they spoke very arrogantly. The auction manager compromised me that next month surely he would arrange the auction to my favor. This compromise clearly indicates their irregularities. One of the agent challenged me, no client bid the money without the help of agents.
The agents bid the money with the help of the manager for their clients in commission basis. Some of my friends were also experienced that your company is dominated by agents only. The manager and the administration are supporting the agents and not the clients.
To register my grievance, I asked the office to gave the contact number and they gave the manager mobile no. I spoke with him but he was only hearing my voice and did not reply to me and suddenly disconnected the line during the call. After that I continuously tried to call him but he did not attend the call. The Manager and the Agents are playing fool with the clients.
As a client, I really hurted of this cheating process by the manager and the agents. In some Govt. offices, we are not getting any certificates without dealing with brokers. In the same manner, the agents are acted as brokers. Why the Company allows the agents to bid the money? We joined Shri Ram Chits for its tradition and hopefulness, not for its Agents. I request you to take necessary action to avoid such irregularities to ensure customer friendly bidding.
In the bidding room there was no countdown clock fitted in the wall for everyone has to notice that the crucial last second. The manager only had a handy countdown clock and he gave signal to the agent at the finishing second.
After that I argued with them for that cheating, they spoke very arrogantly. The auction manager compromised me that next month surely he would arrange the auction to my favor. This compromise clearly indicates their irregularities. One of the agent challenged me, no client bid the money without the help of agents.
The agents bid the money with the help of the manager for their clients in commission basis. Some of my friends were also experienced that your company is dominated by agents only. The manager and the administration are supporting the agents and not the clients.
To register my grievance, I asked the office to gave the contact number and they gave the manager mobile no. I spoke with him but he was only hearing my voice and did not reply to me and suddenly disconnected the line during the call. After that I continuously tried to call him but he did not attend the call. The Manager and the Agents are playing fool with the clients.
As a client, I really hurted of this cheating process by the manager and the agents. In some Govt. offices, we are not getting any certificates without dealing with brokers. In the same manner, the agents are acted as brokers. Why the Company allows the agents to bid the money? We joined Shri Ram Chits for its tradition and hopefulness, not for its Agents. I request you to take necessary action to avoid such irregularities to ensure customer friendly bidding.
I agreed to the comment stated above, they are even very much arrogant in replying while you have to take the payment of the prized money. As I have come accross the Branch Manager Mr. Sameer Bhosale Of Goregaon Branch of Shriram Chits Maharastra Ltd. He has promissed me in the morning of the payment will be given by 4 pm, when I have called him up he was not there in the office, he replyied on the cell whithin 1/2 an hour he will handover the pament to Mr Suresh from his office staff. I called Mr. Suresh he has not lifted the call that time. then on 7.30 pm Mr suresh has called me up and told me that your payment will be giving tomorro eveing. I got shocked and I have given call to Mr. Bhosale, his argument was that He will give payment in the eveving and till now evening has not over. then I have given call to Mr. Hassan as he is responsible person in the company but he has not recieved the call, as same has been anwered by Mr. Santosh, THe BM of Thane Branch. Why such tyoes of fooling commitments are done? I dont understand.I will be doing the complaint in the charity commissioner against harrassment be the Shriram Chits Maharastra Ltd. Goregaon Br. my Number is [protected]
Hi all, we are the customers of sriram chits for 30months for 3lack chits.Even we also cheated by sriram staff&agents in another way.dont trust these stupid fellows.
before we join into chit, they will tell so many interesting things, but when the time comes to aution/bid they will irritates the customers.we are very worrying by investing our money in sriram chits.
before we join into chit, they will tell so many interesting things, but when the time comes to aution/bid they will irritates the customers.we are very worrying by investing our money in sriram chits.
Dated the 09th March, 2010.
From
H. Albert Gnanadas, Assistant (Retired)
No, 28-A, II Cross Street, Annai Nagar,
Navarkulam, Lawspet, P. O. Pondicherry-8.
To
M/s. Shriram Chits Tamilnadu (P) Ltd.,
Branch at Neyveli, Circle 6, Neyveli-1.
Sir,
I invite your attention to my communication dated 17th February, 2010, wherein I had sought for refund of Rs.39, 000/- together with the interest accrued thereto . Despite the lapse of almost a fortnight, no communication has sparked from your end, till date.
While I could not understand the logic behind singling out and picking me up to siphoning the money due to your firm, by secluding Thiru R. Kandeeban, who stood along with me, as GUARANTER to Tmt. K. Pushpa and Thiru D.Karumbayiram, from the recovery episode, It is all the more intriguing that, the Shri Ram Chits Tamil Nadu (P) Ltd., could choose to engage a personal deal to make good of their amount due from their client, Tmt. K. Pushpa and Thiru D. Karumbayiram, at the time of the existence of recovery process from my pay and allowances, initiated by the court of Law. The dual action of Shri Ram Chits Tamil Nadu, in making good of their financial position, is highly in-appropriate and un-ethical .
As per the recovery proceedings executed by the Drawing and Disbursing Officers, I have been milked out of my hard earning huge sum, at the eleventh hour of my career, for no fault of mine. Hence, I once again seek refund of Rs.39, 000/- the amount recovered from me, against the attachment order, together with 24% interest, at the earliest time schedule.
In the absence of any tangible reply at the earliest, from your end, I shall be constrained to go in for remedy, through appropriate fora, without waiting any further.
Yours truly,
(ALBERT GNANADAS)
Copy to :
M/s. SHRI RAM CHITS TAMILNADU (P) LTD.,
123, Angappa naicken Street,
Chennai-600 001.
From
H. Albert Gnanadas, Assistant (Retired)
No, 28-A, II Cross Street, Annai Nagar,
Navarkulam, Lawspet, P. O. Pondicherry-8.
To
M/s. Shriram Chits Tamilnadu (P) Ltd.,
Branch at Neyveli, Circle 6, Neyveli-1.
Sir,
I invite your attention to my communication dated 17th February, 2010, wherein I had sought for refund of Rs.39, 000/- together with the interest accrued thereto . Despite the lapse of almost a fortnight, no communication has sparked from your end, till date.
While I could not understand the logic behind singling out and picking me up to siphoning the money due to your firm, by secluding Thiru R. Kandeeban, who stood along with me, as GUARANTER to Tmt. K. Pushpa and Thiru D.Karumbayiram, from the recovery episode, It is all the more intriguing that, the Shri Ram Chits Tamil Nadu (P) Ltd., could choose to engage a personal deal to make good of their amount due from their client, Tmt. K. Pushpa and Thiru D. Karumbayiram, at the time of the existence of recovery process from my pay and allowances, initiated by the court of Law. The dual action of Shri Ram Chits Tamil Nadu, in making good of their financial position, is highly in-appropriate and un-ethical .
As per the recovery proceedings executed by the Drawing and Disbursing Officers, I have been milked out of my hard earning huge sum, at the eleventh hour of my career, for no fault of mine. Hence, I once again seek refund of Rs.39, 000/- the amount recovered from me, against the attachment order, together with 24% interest, at the earliest time schedule.
In the absence of any tangible reply at the earliest, from your end, I shall be constrained to go in for remedy, through appropriate fora, without waiting any further.
Yours truly,
(ALBERT GNANADAS)
Copy to :
M/s. SHRI RAM CHITS TAMILNADU (P) LTD.,
123, Angappa naicken Street,
Chennai-600 001.
Dated the 09th March, 2010.
From
H. Albert Gnanadas, Assistant (Retired)
No, 28-A, II Cross Street, Annai Nagar,
Navarkulam, Lawspet, P. O. Pondicherry-8.
To
M/s. Shriram Chits Tamilnadu (P) Ltd.,
Branch at Neyveli, Circle 6, Neyveli-1.
Sir,
I invite your attention to my communication dated 17th February, 2010, wherein I had sought for refund of Rs.39, 000/- together with the interest accrued thereto . Despite the lapse of almost a fortnight, no communication has sparked from your end, till date.
While I could not understand the logic behind singling out and picking me up to siphoning the money due to your firm, by secluding Thiru R. Kandeeban, who stood along with me, as GUARANTER to Tmt. K. Pushpa and Thiru D.Karumbayiram, from the recovery episode, It is all the more intriguing that, the Shri Ram Chits Tamil Nadu (P) Ltd., could choose to engage a personal deal to make good of their amount due from their client, Tmt. K. Pushpa and Thiru D. Karumbayiram, at the time of the existence of recovery process from my pay and allowances, initiated by the court of Law. The dual action of Shri Ram Chits Tamil Nadu, in making good of their financial position, is highly in-appropriate and un-ethical .
As per the recovery proceedings executed by the Drawing and Disbursing Officers, I have been milked out of my hard earning huge sum, at the eleventh hour of my career, for no fault of mine. Hence, I once again seek refund of Rs.39, 000/- the amount recovered from me, against the attachment order, together with 24% interest, at the earliest time schedule.
In the absence of any tangible reply at the earliest, from your end, I shall be constrained to go in for remedy, through appropriate fora, without waiting any further.
Yours truly,
(ALBERT GNANADAS)
Copy to :
M/s. SHRI RAM CHITS TAMILNADU (P) LTD.,
123, Angappa naicken Street,
Chennai-600 001.
From
H. Albert Gnanadas, Assistant (Retired)
No, 28-A, II Cross Street, Annai Nagar,
Navarkulam, Lawspet, P. O. Pondicherry-8.
To
M/s. Shriram Chits Tamilnadu (P) Ltd.,
Branch at Neyveli, Circle 6, Neyveli-1.
Sir,
I invite your attention to my communication dated 17th February, 2010, wherein I had sought for refund of Rs.39, 000/- together with the interest accrued thereto . Despite the lapse of almost a fortnight, no communication has sparked from your end, till date.
While I could not understand the logic behind singling out and picking me up to siphoning the money due to your firm, by secluding Thiru R. Kandeeban, who stood along with me, as GUARANTER to Tmt. K. Pushpa and Thiru D.Karumbayiram, from the recovery episode, It is all the more intriguing that, the Shri Ram Chits Tamil Nadu (P) Ltd., could choose to engage a personal deal to make good of their amount due from their client, Tmt. K. Pushpa and Thiru D. Karumbayiram, at the time of the existence of recovery process from my pay and allowances, initiated by the court of Law. The dual action of Shri Ram Chits Tamil Nadu, in making good of their financial position, is highly in-appropriate and un-ethical .
As per the recovery proceedings executed by the Drawing and Disbursing Officers, I have been milked out of my hard earning huge sum, at the eleventh hour of my career, for no fault of mine. Hence, I once again seek refund of Rs.39, 000/- the amount recovered from me, against the attachment order, together with 24% interest, at the earliest time schedule.
In the absence of any tangible reply at the earliest, from your end, I shall be constrained to go in for remedy, through appropriate fora, without waiting any further.
Yours truly,
(ALBERT GNANADAS)
Copy to :
M/s. SHRI RAM CHITS TAMILNADU (P) LTD.,
123, Angappa naicken Street,
Chennai-600 001.
chit — removable
have Rs100000 chit joined on 24/01/2009.i am properly paid in 12 instalment.sudenly my family situation i am not able to pay the instalment from 13th to 18.on 2/03/2010 one removal pre intimation letter from myladuthurai office.the letter informed when you received letter pay time is 7 days(that is 9/03/2010) i am ready and go to pay the intalment with penalty in your office on 8/03/2010 but they are refused,they said "your chit is removed on 6/03/2010.but my grace peroid of time is 9/03/2010.why is removed my chits before grace period.i am concerned your branch manager but he is not responsible.so please rettified this matterK.SANKAR
MBL NO:[protected]
GROUP NO:52013
TICKET NO:23
have Rs100000 chit joined on 24/01/2009.i am properly paid in 12 instalment.sudenly my family situation i am not able to pay the instalment from 13th to 18.on 2/03/2010 one removal pre intimation letter from myladuthurai office.the letter informed when you received letter pay time is 7 days(that is 9/03/2010) i am ready and go to pay the intalment with penalty in your office on 8/03/2010 but they are refused, they said "your chit is removed on 6/03/2010.but my grace peroid of time is 9/03/2010.why is removed my chits before grace period.i am concerned your branch manager but he is not responsible.so please rettified this matter
have Rs100000 chit joined on 24/01/2009.i am properly paid in 12 instalment.sudenly my family situation i am not able to pay the instalment from 13th to 18.on 2/03/2010 one removal pre intimation letter from myladuthurai office.the letter informed when you received letter pay time is 7 days(that is 9/03/2010) i am ready and go to pay the intalment with penalty in your office on 8/03/2010 but they are refused, they said "your chit is removed on 6/03/2010.but my grace peroid of time is 9/03/2010.why is removed my chits before grace period.i am concerned your branch manager but he is not responsible.so please rettified this matter
NAME :K.SANKAR
MOBILNO:[protected]
GOUP NO:52013
TICKET NO:23
BRANCH :MAYILADUTHURAI
NAME :K.SANKAR
MOBILNO:[protected]
GOUP NO:52013
TICKET NO:23
BRANCH :MAYILADUTHURAI
dear sir even i had taken a chit in this organisation...im also faceing more and more problem.
Hey Iam also one of the customer of Shriram Chits, I think all the time complaints are not relevent to subject sometimes its shows our lack of knowledge.At the time when we became the customers of any scheme we should know all the terms and condition of that scheme because at the time of dispute we are not in the mood o[censored]nderstand, and the next thing related to the behaviour of Branch Manager we should contact to his divisional manager.
No one can make the assumption on the basis of small research.
Harshal M.Jondhale
Nanded 431602
Maharashtra.
No one can make the assumption on the basis of small research.
Harshal M.Jondhale
Nanded 431602
Maharashtra.
MY GREAT INCOME — FUND AVAILABLE
I HAVE MY GREAT INCOME FUND I[censored] WANT TO JOIN MY GREAT INCOME COMPANY SO PLEASE CALL ME [protected] I GIVE U DISCOUNT Hi Friend,
Senior Thanks to all members.
I had a plan to invest money but luckily you all saved me.
Thanks,
Ram
Senior Thanks to all members.
I had a plan to invest money but luckily you all saved me.
Thanks,
Ram
thought of investing in Shriram chits, dropped the idea after reading customers feedback.
I have closed a/c 10yrs back. Still i am getting letters stating I need to pay 500/-. Talking to service executives is useless.
I had pledged LIC bond when i took chit. How come they gave bond without clearing all dues. Simply they make hell for customers.
I had pledged LIC bond when i took chit. How come they gave bond without clearing all dues. Simply they make hell for customers.
A complain against SHRIRAM CHITS TAMILNADU PVT LTD Velachery branch Chennai. We have take a chit for Rs 100000 from Mr Saravanan [protected] Total number of chits 16 number. Me and Mr Shanmugam has refereed some of our friends 6 persons. Mr Saravanan is attached to Velachery branch Chennai. He is not respond to call. He committed on the second month he will provide a loan based on the Rs 100000 Chit but its is 4th month he has not turn to collect the 4th month premium. I request you to give a correct & proper solution for this issue.
best fraudulent company
best fraudulent company
Here before I thought SriRamChit is a traditional and a trustful financial institution and i planned to join a chit in it. But Here after i will never think to make any dealing with the institution.
Many many thanks to this Website.
With regards,
Sylvester
Many many thanks to this Website.
With regards,
Sylvester
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+91 80 2372 0164
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thanking you,
Heva.