Dear Sir
I receieved th spam message. Please enquire the account of Mr. Deepak Bagat of HDFC BAK INDIA as mentioned in this message. Kindly necessary action against the individual with an intimation to me .
From:
"Unity Bank PLC." <[protected]@yahoo.com> | Add to Address Book | This is spam
To: dash ajayakumar <[protected]@rediffmail.com>
Subject: UNITY BANK PLC TRANSFER NOTIFICATION (CHARGES NEEDED).
Date: Mon, 15 Dec 2008 13:01:31 IST
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RC156747 HEAD OFFICE UnityBank Tower, Plot 785, Herbert Macaulay Way Central Business District Abuja, FCT FCT, ABUJA.. EMAIL:[protected]@yahoo.com TEL: +[protected]. EXTERNAL FUND REMITTANCE DEPARTMENT REF: UBPLC/NG/RC17-2008. FROM THE DESK OFALHAJI FALULU BELLO, MD/CEO-UNITY BANK PLCNIGERIA.ATTENTION: CHOUDHURY AJAYA KUMAR DASH.THIS BANK IS IN RECEIPT OF YOUR EMAIL WHICH HAS BEEN ACCEPTED BY THIS BANK, BE INFORMED THAT THE TRANSFER OF YOUR PRIZE INTO YOUR DESIGNATED BANK ACCOUNT WILL SOON COMMENCE BECAUSE WE ARE NOW AT THE FINAL STAGE OF THIS TRANSFER, WE NEED TO PROCURE TWO DOCUMENTS FROM THE FEDERAL HIGH COURT OF NIGERIA, THE DOCUMENTS ARE STATED BELOW.AFFIDAVIT OF CLAIMS CERTIFICATE AND FUND RELEASE ORDER.THE TWO DOCUMENTS WILL COST THE SUM OF $550USD.THE BREAK DOWN OF THE FEES IS STATED BELOW:AFFIDAVIT OF CLAIMS CERTIFICATE:$300USDFUND RELEASE ORDER:$200USDSTAMP DUTY FEES:$200USDNOTARIZATION FEES:$250TOTAL:$950USDTHIS IS TO ENABLE THIS BANK EFFECT THE TRANSFER OF YOUR WINNING PRIZE THROUGH BANK TO BANK WIRE TRANSFER INTO YOUR ACCOUNT. BE INFORMED THAT YOUR CASHIER CHEQUE IS WITH THE UNITY BANK OF NIGERIA .YOU ARE ADVISED TO SEND TO OUR TRANSFER OFFICE THE SUM OF $950USD TO ENABLE HIM GET YOUR CASHIER CHEQUE FROM THE SECURITY AND ALSO PAY FOR THE AFFIDAVIT OF CLAIMS CERTIFICATE AND FUND RELEASE ORDER FOR THE TRANSFER TO YOUR NOMINATED ACCOUNT.YOU ARE REQUIRED TO SEND THE FEES AT HDFC BANK INDIA WITH THE INFORMATION'S BELOW.BANK NAME: HDFC BANK INDIA ACCOUNT NAME: DEEPAK BAGATACCOUNT NUMBER:[protected]YOU ARE REQUIRED TO MAKE A CASH DEPOSIT WITH THE ABOVE PAYMENT INFORMATION TO ENABLE OUR TRANSFER OFFICER PROCEED FAST WITH YOUR FUND TRANSFER.AS SOON AS YOU MAKE THE PAYMENT CALL US ON PHONE AND ALSO SCAN AND SEND THE PAYMENT SLIP WHICH YOU USE IN MAKING THE PAYMENT FOR PAYMENT VERIFICATION. AS I SAID BEFORE, THIS PAYMENT WILL ENABLE MY TRANSFER OFFICER PROCURE THE TWO DOCUMENTS FROM THE FEDERAL HIGH COURT OF NIGERIA, AND ALSO GET YOUR CASHIER CHEQUE FROM THE COMMISSION UNDER UNITY BANK OF NIGERIAAM SENDING A COPY OF THIS MAIL TO MY TRANSFER OFFICER TO NOTIFY HIM OF THE TRANSFER OF YOUR FUNDS.IN ANTICIPATION OF THE WON PRIZE, KNOW THAT YOUR WON FUNDS WAS FIXED UNDER DEPOSIT IN THIS BANK, AND SO NO DEDUCTION WILL BE MADE FROM IT UNTIL IT IS DEPOSITED IN YOUR BANK ACCOUNT. MODE OF TRANSFER: BANK TO BANK. BENEFICIARY AMOUNT: $400, 000.00 (US) DOLLARCHOOSE CURRENCY: INDIAN RUPEESTRANSFER TIME IS SIX HOURS UPON CONFIRMATION OF THE ABOVE STATED FEES, THEN IS WILL TAKE 48 HOURS TO REFLECT IN YOUR ACCOUNT.IF THERE IS ANY MISTAKE IN THIS INFORMATION KINDLY INFORM ME IMMEDIATELY.ON BEHALF OF THE BOARD OF DIRECTORS, WORKERS AND STAFFS O[censored]NITY BANK PLC, WE CONGRATULATE YOU ON YOUR WINNING AND ENCOURAGE YOU TO MAKE JUDICIOUS USE OF YOUR PRIZE. YOURS FAITHFULLY, ALHAJI FALULU BELLO, MD/CEO-UNITY BANK PLC, .NIGERIA
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Thanking You
Aug 14, 2020
Complaint marked as Resolved
There DEFINITELY is a tilt of power towards consumers in the west viz-a-viz banking hegemony v/s. fundamental rights of citizens. We can see that not only consumers brought down the banks but initial reports adduce sufficient evidence that there has been a multiplicity of securitisation of assets to secure loans from banks. But banks there never used 'recovery agents' to overrule fundamental rights of citizens, judicial process and 'Rule of THE Law' to correct their balance sheets. I wonder as to why then in India the banking companies are exercising powers which even the State of India can exercise during EMERGENCY and that too after exercising due process of law. Making threatening calls, sending recovery agents, using foul language is definitely violation of fundamental right to live and live with dignity(Article 21). It shall be noted here that fundamental right under Article 19 is also affected as citizens live under the fear of vulgar and uncivilised oratory of banking staff and recovery agents. The expression of an individual is affected (remember heart attacks cases and cardiac malfunction (this posting))!
Like there is the rule of law for citizens so is it for 'fictitious' creatures of law. But banking companies never resort to the judicial process of going to Debt Recovery Tribunal, filing of civil suits for recovery under Insolvency Act etc. They say it is a long procedure to recover through this 'judicial process' and hence the adoption of strong arms tactics. In that case it the failure of the heads of these big banking conglomerates to visualize the banking business scenario in India. If it is so, then they must be fired or simply banks can go packing their business from India (there is separate chapter on winding-up under The Companies Act, 1956). They must remember that we Indians are no longer ruled and do not intend to be ruled by any Company as in the past. We have a Constitution and faith in it. If these banking companies don't want to respect provisions contained in our Constitution, then 'go packing', Indian citizens don't care. Just because we are law abiding citizens doesn't create any right in favor of banking companies' to abuse our constitutional rights. It is a TAKE & GIVE (strictly in that order) situation under principle of EQUITY. There are no shortcuts. The judicial process is same for fictitious and natural persons and in case of conflict of rights, the rights of citizens shall prevail over creatures of law whose sole intention is to earn profit sans EQUITY.
It is a sad state of affairs that while in these matters of repayment of loans, the natural persons i.e.; the citizens are stripped of their fundamental rights ensured under constitution, the corporates (corporations, companies and corporates!) who are creatures of law and have fictitious status are getting away with the law. Agreed, that living is getting tough and it is a DOG EAT DOG situation everywhere but when it comes to comply with the law against recovery of loans from individuals and corporates it is DOG EAT CIVILIZED CITIZENS in former case and DOG LICKS DOG'S (?) in the latter case.
India is in great need of guidelines to ensure that banking companies do not over regulate (lest overrule) the fundamental rights of citizens guaranteed under consititution. RBI is one institution that has in the past and I believe like any other citizen that it CAN regulate the excessive force used by banks to recover debts. There is need to look with the angle of banking consumer rights and cultural background of India. There are people who would siegh with joy and reliefe on learning someday that RBI cancelled or suspended the licence of some powerful and/or MNC banking company on grounds of harassing consumers. That day it will be a little victory in the battle of citizens v/s banking companies, which again is 'Only one little part' of much larger war to secure DEMOCRACY in India.