QNET Complaints & Reviews

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Go through this complaint and the below trail mail of dealing with qnet network integrity department and other team members.

As usual the qnet integrity team is also fraud, just wasting time in questionnaires but has stopped replying after multiple replies just like before they had did to me when i initially logged a complaint against them.

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Sourabh rajput
Sat 12/21/2019 7:29 pm
Sourabh rajput
Wed 12/18/2019 7:38 pm

Hi all super idiotic v team;

It has been pretty long month, since the time you have responded, seems like my case is just eating dust and you guys are just using to eat evening snacks; highly infuriating and upsetting to see the integrity department seriousness and understanding of the

Criticality of the fraud concern shred and here am i still hoping to hear a justice to my plea.

I now feel that this has to be taken to fast track courts supreme court better; coz, it feels every overseas company is just looting everybody.

I have sent multiple reminders and many times intimating about the delay in the responses from the team and it turns out like last time it happened you guys had stopped replying to me and then later on will again put up a question that where was i earlier to raise the dispute on this.

Please find the trail mail below; coz if no reply after this; i am dragging you guys to the supreme court of india, and will claim 10 times the damages due to all this absurd responses i have got so far in the name of investigation!

Just an fyi;

All the case documents have already been prepared through high courts judiciary and my lawyer has asked to give you proper written intimation before we file the case for further hearing of this whole year of mental stress and agony and harassment caused by your fraud ir's upline; isb upline and their fellow associates and qnet on the whole!!

Once again a final reminder before your fraud isb upline and my senior upline and the fellow team associates would go to jail as before fir is copied against their name.

Regards
Sourabh andotra
Sourabh rajput
Sun 12/15/2019 10:35 am
Regards sourabh andotra
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Sourabh rajput
Sun 12/15/2019 10:30 am
Hi team nit,

Your name comes up as network integrity department. However, you guys are just # insane.

Here i am facing all the worlds hardships and mental agony, pain and stress, and there you are just like lame sitting ducks and doing nothing.

It seems like you guys are also same just like the fraud upline shalendra tiwari ([protected]) and his associates.

One thing for sure you guys are just too naive or just a bunch of # # who just want to steal people money; loot them, dont provide them any explanation and pullin this # mud you guys have created and provide no support after all.

Its' been freaking 3 weeks you guys have again failed to reply or even provide a confirmation to me that you guys are working on my case or just enjoyimg all the money taken away from me on which i am paying my full life earned miseries.

Someone better get back to me or know that you will have to pay the amount in 10 times, as said previously you guys will be paying me all the money you took in plus the interest that i am paying on 2 loans and full usage on my 2 cc's; plus the mental and physical harassment you guys have done to me for the whole # year.

Anyhow just to let you know that i amd about to file a consumer case in fast track courts finally and will demand all of this and the copy of thee whole conversation will bemade available to them and the jury for sure. Rest all the case docuements are duly been already submiited to them.

Refund me the money with agreed upon terms and cancel the upline shalendra tiwari ir membership and thereby he is about to get laid in jail behind bars and will be all public n media fr sure, coz i am about to go all time big level.

We are common people but when it matters the most be it any company in the world nothing is eminent in front of law and justice and i have full trust on our indian juciary and penal courts.

This will be the last written warning from my side before the next communicated steps will be taken and the consequences are you all will have to pay it 10 times in total.

Regards
Sourabh andotra
Sourabh rajput
Mon 12/9/2019 7:30 am
Again i have to wait another 9 days, may i know what is the delay in getting the refund arrange for the unfair advantage taken by criminal activities by your fraud ir upline.

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Sourabh rajput
Sat 11/30/2019 12:42 pm
Hi team,

Thanks for prompt reply this time. Hope to hear from you soon about the outcome of the complaint very soon after this reply!

I have asked the said ir (Upline) about the refund quite a couple of time but he always seem to evade the question even before i started it and i was always distracted by them and kept busy in their daily # stupid work, somehow when i confronted him and asked over the phone and in person they were sarcastic and said i will not get any refund now; where i would like to reiterate that i was never ever explained about the terms of joining and neither i was aware of any such thing as refund, it was upon researching about qnet on google that i learnt that this whole system works on american culture and is an overseas company actually and that how i have became a dumb jackass, a fool and a loser.

My referrer named sangeeta choudhary is also a victim of this scam done by the fraud ir named shalendra tiwari. We both have filed a complaint against him in the local police station. She has nothing to do with any of the fraud that happened with me, actually she is also a victim of this, which we have filed a lawsuit against the fraud ir (Upline). I was mis-represented of the details and whereabouts of my friend and was specifically asked to not to talk to her and that i will not make money and she will make me negative about this scam happening and that she will mis-guide me and she has some differences of opinions about the way she is earning through this whole setup.

It was later on when i was recovering from depression and i talked to her it was then i came to know that they have compelled even her to do and say things that she didnot wanted to say or even mean, so you see it was all as a setup to make me fall into this trap and promised of bigger returns but i like to enlighten you that even by making me join in this, she never earned a single penny out of it, instead her earnings which were like a pebble stone in the whole stone was taken by the said upline, so in short neither me earned anything of this chain or she earned anything of it.

And we both are in debts now and our credit score will never be good again because a default has been put against our names through various banks and financial institutions and our whole life is ruined by this ir and we will not get any financial support from public or private banks or any other institution because of this # for our whole life.

As per your email reply, you’ve mentioned: “i was told that i will have a website on my name and from that website i will earn”

(I) kindly advise how did your referrer informed you on the above statement. Was it verbally or in writing (Whatsapp, sms, email)?

Correction:- (I) my referrer never said any of this actually she is also a victim of this scam on altogether another level, we both have filed a dispute against this on our upline (Shalendra tiwari). It was our upline named shalendra tiwari said when i came to the meeting arranged.

It was all verbally solicited by him, upon asking for all the written confirmation in the email or any other forms he denied of any confirmations that he could provide, in stead he made vague promises and cunningly put all these purchases which i never knew when did he did that, without me even knowing about it. I even asked him to write it in a piece of paper just to keep a check if things go astray so i could cling to that but he denied that he could not provide any such assurance however he managed to pull a hunch and advised me that it is so big that it will need a lot of leanings to understand this business and recommended some books to read and diverted my focus from the question.

As per your email reply, you’ve mentioned: “upon being curios when asked multiple times, the questions were always evaded by any xyz reasons”

(Ii) kindly advise how the question were asked. Was it verbally or in writing (Whatsapp, sms, email)?

I have tried initiating this conversation with isb upline and my immediate upline many times verbal as in person. I have also asked them as over the phone questions and through whats-app i could not ask straight forward questions altogether because he always had a way of evading these questions and instead i was always humiliated and made me feel inferior and always abused by them whenever they feel at their will and i went morally even deeper down to the level of depression day by day.

May i ask how many questionnaires are needed more to verify my credibility?
I am frustrated to answer all these things all and all again; and in turn i get another questionnaire in the next email, may i know when will the real action will be taken against your upline ir and when will i get the refund and will be able to put pressure legally and put the jurisdiction proceedings to make him pay and cancel all the debts that i am into right now and get me back to normal life again!

Regards
Sourabh andotra
Network integrity department
Thu 11/28/2019 1:04 pm

Dear valued ir,

Thank you for the reply and also apology for the late respond.

Please find further query as per below for your further actions/advise.

Kindly advise if you’ve asked for refund from your referrer before.

As per your email reply, you’ve mentioned: “i was told that i will have a website on my name and from that website i will earn”

(I) kindly advise how did your referrer informed you on the above statement. Was it verbally or in writing (Whatsapp, sms, email)?

As per your email reply, you’ve mentioned: “upon being curios when asked multiple times, the questions were always evaded by any xyz reasons”

(Ii) kindly advise how the question were asked. Was it verbally or in writing (Whatsapp, sms, email)?

In-service,

Network integrity department (Nid)

Level 3a, qi tower, pj8,
No.23, jalan barat, sec. 8 46050 petaling jaya
Selangor, malaysia

HTTP://WWW.qnet.net/

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Sourabh rajput
Wed 11/27/2019 6:09 pm
Hi nit department,

This is highly infuriating to see that your last communication was on november 12th and i have sent you the response for this quite the same time when i received your email.

However, it has been 15 days that i have even heard anything from your side.

May i know what is the reason for delay in resolving my case and helping me with the refund for the fraudulent transferring of funds for some scrupulous purchases.

Regards
Sourabh andotra

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Sourabh rajput
Tue 11/12/2019 3:27 pm
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Hi team,

I've been waiting for long to hear from you.
Thanks for the reply.

1). The initial part of the comment of the complaint is partial though but yes that is true, i never knew what was being done with my personal details which my said upline took from me and put up 2 loans on my name, plus also went onto spend on my cc through my netbanking, any part of the purchase or any terms were forced on me, i still said no at the end where-in the transaction were already made and i never knew what all he did using me personal and financial details.

As mentioned earlier i never wanted to put any money, i had nill balance on my bank account which he took the benefits of me as i was unknown of what he is doing in his laptop.

I never got any thing or any product or service that your website shows and neither i am aware of how to use it.

(I). The email address is mine as said because he took these details to explain me how i will get my online portal created, unless i knew he is going to use all the information to put me under debt of heavy rate of interest loans i would have not given the details.

The discrepency here is i never made any purchase, i became sick and unhealthy mindfully and physically, it was my cousin who checked out and find out that many purchases were made under my name, which are of no use to me, neither i was asked for it.

If i have got the receipt that does not means that i have anywhere given any consent in any which case for the purchases. These were all done by the said upline without intimating me.

I had no involvement in the purchases whatsoever.

2. He never had from the starting shared any rightful or genuine information about qnet i didn't even knew the name of the company they enrolled me on, it was quite later on i figured out myself with the help of other people and my friends that i have been scammed and had been fruaded.

3. I was never and had ever was aware of any commission that was availed on my name if any as i said i was told that i will have a website on my name and from that website i will earn, upon being curios when asked multiple times, the questions were always evaded by any xyz reasons. Hence, i never got any benefit of this # scam instead i am bankrupt now, all my savings which i had saved for my marriage and home renovation has been depleted and i barely make a week when the monthly salary gets credited to my bank account.
Can anybody understand this!

I have never ever been aware of what has happened with my personal and financial secure details and has never been "initimated", "expressed or solicited", made aware of the righteous details by your ir and i have never uttered any word of acceptance of any purchases done on my name.

How many times do i have to repeat myself that i am not the one who did anything, your said ir is a fraudster and had not been doing any complaint work.

Thw caseis already registered under his name in the local police station and his junior and senior.

Sourabh andotra

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Network integrity department
Tue 11/12/2019 10:02 am

Dear valued ir,

Thank you for the reply.

Please find further query as per below for your further advise/actions:

As per your initial complaint email, you’ve mentioned: “i was not informed that i will have to purchase products, i was informed i will get a product as a complimentary gift from the company, ”

(I) as the email address “[protected]@live.com” was owned by you as confirmed, then you must have received the purchase receipt for the purchase made under your irship.in which, you’ve also attached the receipt itself along with your initial complaint email.

Kindly advise the discrepancy here.

Kindly advise if your upline had shared the login details (Login id & password) of your virtual office to you?

Kindly advise if you are aware of the any commission that you’ve earned as a qnet ir?

In-service,

Network integrity department (Nid)

Level 3a, qi tower, pj8,
No.23, jalan barat, sec. 8 46050 petaling jaya
Selangor, malaysia

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Sourabh rajput
Fri 11/1/2019 7:55 pm
Hi team,

As per the email sent, the below details:
1 (I) [protected]@live.com is mine.
(Ii) [protected]@gmail.com is not mine

Both the above id's were used on my behalf without my knowledge and i have not created them on the qnet portal by any means i was not involved in this.

My official email id for all correspondence purposes is "[protected]@live.com" i use this for all my official work; but i have not created any qnet account on any of the portal using the above email id; i am not even aware of the second email id.

I feel this is way more deep than i thought it was.

2. I have been contacting qnet from very first moment when i realized that i have been fraudulently duped into this money making scheme.

I didn't knew about this chain based ponzai scheme, due to which they were always exploiting me into using me and even if i would have a doubt and questions to clarify, any person i would share the same with, i was always given a task to complete which i could not do as i was never able to understand this work.

I felt mental agony and became sick from the very first month of getting scammed and was always bullied and abused whenever the would get an opportunity to make me feel inferior. I was in depression which affected my relationships and my performance in my normal work hours be at my office or with these people or between my friends, i didn't even had the money to pass a week after i used to get my salary, because i was under debt from the very first month and they have always gain advantage of me whenever and whatever i could not understand and was always given corrupt answers for the teams personal benefits which in turn me made me sick and it continued like 4 - 6 months to get me back normal and gain strength to stand and raise my voice.

My friends and my office colleagues know how i have lost my physical health and metal and physical and emotional health.

Other than that if i knew about this kind of industry i would have never come even for the meeting even in the first place.
However, i do ensure that any other innocent is not affected due to this incident.

I want to ask something?

My net banking and other personal details were taken by your ir and i don't even know what he was doing in his macbook and and he smartly duped me to apply a jumbo loan 2.50 lakhs on credit card and used my credit card for 90000.00 to it's full usage and on top of it had applied for 3.20 lakhs of personal loan which i was not aware of, who is liable to pay for it other than me as i had no intention of taking any loan while during the conversation this was already done and i didn't knew of it;

Who is liable to pay for the mental, physical, emotional and financial health and hardship i had to face due to this incident.?

Regards
Sourabh andotra
Network integrity department
Fri 11/1/2019 1:52 pm

Dear valued ir,

Kindly be informed that we received your complaint & will investigate.

Please find query as per below for your further actions/advise.

Kindly advise/confirm if the below email address are created by yourself.

(I) [protected]@live.com

(Ii) [protected]@gmail.com

Kindly advise the reason of the delayed complaint/refund request.

In-service,

Alex chok

Network integrity department (Nid)

Level 3a, qi tower, pj8,
No.23, jalan barat, sec. 8 46050 petaling jaya
Selangor, malaysia

HTTP://WWW.qnet.net/

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Qnet scam i am chandra living chennai i joined qnet india for past 2months back without knowing the business type because of seniors hide the type of business, just he told its good business, best business in the word, achieve all your dreams through this business, financial freedom somany decorative words and examples, after i enter the business than only i realise this is not a business its type of cheating money rotation, commission base...

They are running a ponzi schemes by calling the person and telling them to invest 1.2 lacs for which what they say sell dream and u can be an entrepreneur

They call u in ginger hotel in mumbai andheri and give sessions in very remote area of the hotel without hoardings and without brandings

Qnet is banned in india so they have started with the name qvi.

So please beware of the those fraudsters.

I capt sher amir singh have an ir id no. In870073 with qnet, i was registered with qnet on 26 oct 2018, within few days i discovered the complaints against the company and wrote a mail to them on 28/29 oct 2019 for refunding me rs 3, 50, 000 my refrer blocked my mail id as well as my phone and is not in communication since then, it is more than a year i have not recieved any product etc, i have been regularly writing mails to them for refund...

Has qnet in india been shut down and banned finally? The hyderabad police is openly campaigning against qnet now. How long until qnet respawns under a different name, just as they did with goldquest and questnet? Qnet's leaders are scumbag criminals who need to be put in jail. Anyway watch out because qnet will be back very soon under a new name and start the process of scamming people all over again.

Already i submitted a complaint about refund, all the necessary documents also submitted and returned all the products. Still they are not responding or replying back to me.

My previous reference numbers are:
Cvn[protected]Case no:cvn[protected] crm:[protected]

I am literally frustrated and soon will take next steps like sue you or sucide.

I gave qnet dd of inr 8 lacs. My uplines purchased products worth rs 740, 000 which later on i claimed as refund. However there are e cards (Wallet balance) of rs 59, 200 which qnet has not refunded me. They claim that since i haven't purchased anything from it the refund can't be claimed. My so called uplines are also not supporting me in this matter. Please help

I decided to withdraw from qnet within 30 days of joining and started the process in early october. I got an email from qnet india support centre that my refund will hit my bank in 30 days but that has not yet happened. There is no reason why upline asks you to give them the money in 1-2 days while refund takes quarter of an year, eating away the interest on the amount.

Request swift action on the same.

In283645
Crm:[protected] (Case no:cvn[protected]

Dear sir,
R : in586339
Qvi: qv394662

Dear sir,

With the above reference ir and qvi id i mohit sharma, want to cancel my membership and want to the take the refund against it that the amount of rs 284000/- (Approx) paid to your company.

At that time frame one of my friend misguide about the investment. He asked me to invest in business plan and and good return. But after payment i realized that he just do it to earn his commission.

Qnet send me holiday package of 10 years which is useless for me.
I asked for the refund from the up line person but they again misguided me that refund is not possible.
But through consumer complaint i realized qnet can refund.

Today i have submit refund application thorugh email on support. [protected]@qnetindia.in and they give me code cvn[protected] for further reply.

I have paid the amount to upline in her account and he paid to qnet but i want my fund in my own account because they are not trust worthy. They misguide me just for their commission. I have shared my account detail to qnet for refund
I have not utilized the package even a single time and will unable to use this membership in future.
So its a humble request qnet to transfer my refund in my saving account only

Looking for the positive response from consumer complaint team.

Thanking you

Mohit sharma

I have requested for refund from qnet and they have processed the refund to my upline ince he made the purchases. Now it is been more than a month since he has received his refund. He has not given the money back to me. This is to record a statement against him and to complaint against him in ncd department of qnet. My ir id : 727233
The details of my upline are
Ir id: in928027
Name: john paul raj lawrence
Mobile: +91-[protected]

I have got into this by telegram by one of the guy from them, they invited to me a interview on banglore where they said discussion round will happen & we will check ur capable or not. After entering they told me to pay 5000 for registration & i said may be it is not possible to me to stay in banglore, but they guaranteed to me that they will refund the whole amount i paid so i paid to them.
I have said them to apply a refund they applied it after 15 days around. But i haven't got any update regarding my update request. So please can u guys help me what to do next step

With reference to the subject cited above i am to state as follows :-

That, smti pynbianghun ryntathiang a company’s independent representative (Ir) qnet visited my resident and convinced me that if i join and work in this business i’ll avail a lot of opportunities. She further illustrating herself along with so many members who have joined earlier, had already earned lakhs and lakhs of rupees even if they work...

Hi
Ir id - in128965

I have raised a refund request on 03 - Oct after that after following with the customer services with n number of time i got the response that my request has been sent to hold the comission and i will be getting the update.i have raised it before 30 days so as per company policy should get it back

But yet to receive any response.

Kindly help me in getting my refund back

Hi team,

I was called by my far relative to attend the business meeting last year in nov 2018. Since i wasn't interested in such strange business but my relative brainwashed me emotionally that it is the golden opportunity and all. I joined on dec 5th. They didn't reveal until a month about anything clearly and when i came to know, i wanted to quit and asked refund. They told like 1 month is over and you cannot get refunded. I told them however i want my money back and after hell lot of conversation they told only if someone can replace you after 6 months and your ir id will given to him and amount he pays will be transferred to you and its a process. I thought if this is the option i will wait as i had to trust my relative and the uplines. Now that its almost a year now since i joined the business, i contacted them, they told they are some new updates from business as they are not accepting the transfers.

Please help to cancel my ir ship and refund my amount.
Ir id: ir389492

Sir
My friend is told to me for one online business is i am started. It's only investment. The earn money and other no work. He told as come and join to you. U pay the amount of 1.5 lakhs they will start i[censored]r not interest any time u quite this and amount will be refunded. So i will pay the money in 1.5 lakhs
After 1 month he told as u join to another person u get money. Other than no money u will collect. Me told sorry i...

I'm tired of posting same complaint again and again.

My ir no is in251566. I had requested for refund of rs. 497000 from qnet.

On aug 28th 2019, i got mail stating that refund will be credited to my bank account within next 30 working days.

It has been more than 60 working days now. Not a single penny has been credited to my bank account.

How many times do i have to follow up...

I was influenced by connections to join the qnet (Vihan direct selling) business.
I don't wish to continue my membership with qnet. I had called customer care service number [protected]. On first day it worked and they provided me steps on how to withdraw membership. However, since the the call is not proceeding and i am getting message that service is under maintenance.
I have dropped email already to support center and had...

I have requested to initiate my refund to qnet on 18th september. More than 30 working days have been completed but still not received any satisfactory response from them. My family facing the financial crisis. Anyone can help me to advise how i can take any action against qnet so they will give my money back.

Qnet id

Ir: in 589136

Thanks...

I'm following up for refund since 12 th july 2019 and now it has been almost 4 months where i have sent multiple mails to company, they do not reply back even after requesting multiple times.
I'm raising the because i have been made to invest in qnet investment by giving improper, incorrect and incomplete knowledge of the company and its investment. I have been completely mis-leaded by your executives.

Without my knowledge they have purchased some product from your site and trust me they have not told anything about those products until the day - "welcome" event was done. I received these purchase details just only late evening just before next day's welcome event.

During our meeting they had told nothing about qnet products and not even company's name. They told me that you will give so and so amount and you will become our business partner, they mis-led me by saying that - "our company will give you some complementary products to you so and you need not pay for the products, you just need to put efforts (In what? - they didn't say) towards it".

So, i have given inr (Rupees)- 43, 000) through online transactions to the qnet's executive but when i am asking my login credentials to the portal they are not giving me and directing me to complete the kyc documents.

Also note that, the amount (Which i have used to pay for this transaction) are the hard-earned money of many backward class people who hardly earn less than your executives who earn through commission - as their income which is very less than a rented home monthly expense which i had collectively put in this business.

Please note that when did the transactions was only based on the trust i showed on my referral, i was not even aware about the company name in-spite of me repeatedly asking and there was no idea about the actual business.

The reasons for cancellation are:

* due to improper, incorrect and incomplete knowledge of the company and its investment given to me while investing in the company

* i have also been getting threatening calls almost every single day after few weeks of my investment as i did not have any documents which prove my investment into the business.

* the people have also threaten me to nab me in middle of any location or where-ever i go, in addition to that they have threaten to harm my family members in some way or other way such that we won't be able to show our face or move freely in our society - if i fail to re-pay the invested money back to them.

* upon all these things, there is extreme shortage of the funds for treatment of my mother's sister (Who has been financially depended on me) who has been very ill and suffering from serious health issues. We had reserve the investment (Which is now invested in the business of qnet) for her treatment.

Hence, i humbly request you to stop my further processing of ir ship with the company - cancel the process completely and process my investment amount back to my bank account only.

For your reference, i'm mentioning the details of my ir ship:

Ir id no: in363976
Name: sonase yobin
Order no: dn55134953
Receipt no: rc11032471

As the company requested, so share documents via mail, i have submitted all:

* the purchase receipt of the business investment.
* my bank account details
* the soft copy of my pan card

Please help me to get my hard earned money back, as i'm totally fed up following up with company every now and then

I was approached by my cousin to put 300000 in this # so called business qnet to bcme a partner in order to get financial freedom. I trusted my cousin and put all my savings plus a loan of 300000 in qnet. She and her uplines gave all the numbers and brainwashed me. I even went to dubai to attend vcon 2018 which was cancelled but uplines took the chance n gave speeches abt how their life had become lavish aftr cmg in qnet. Later i was told that positions below me were very imp and the benefits shud b recvd only by my family, so they made me sign up my 3 sisters. Me and my sisters hve taken loan of almost 9 lakhs frm bank and relatives. I m in deep trouble bcoz of qnet.. And their ways of working. They dont sell the products.. They sell dreams... False promises. My sister had serious disease, my cousin tuk advantage of it n brainwashed me dat lets give her a happy life. I invested! Qnet / vihaan direct selling has ruined my life. I get suicidal thoughts becoz of so much loan. How am i suppose to approach my friend.. Why will i put dem in a pit. So wat happens once you join:
1. They lure u with all the big numbers/ money.
2. Jobs are for stupid ppl is wat they say and make u quit ur job.
3. Then they give u script to byheart on how to talk to people... Hot zone/close ppl.. Warm zone/ friends... Cold zone/ everyday ppl u meet... Ur vegetable seller... Milkman. Even approach rickshawala by taking their number.
4. They tell u to make ur frndz n family emotional to get money frm them.
They tell u to ignore ppl who ask u too much abt the work. Then also tell u to dress up well... Wear branded clothes n shoes... Take pictures of hi fi places n post on social media so dat ppl will upfrontly cme and ask u abt it. Also they dont disclose the company name at all which i started feeling fishy abt! I questioned my cousin.. She said its part of the business. I just pray nobody else falls into their sweet talks trap. I hd told my cousin for refund bt she cald her uplines and assured me the company is genuine and legal. Wat they dint told me was the way of working.. It was wrong and unethical. Qnet is into business of trapping people so that few bunch of # who lie become rich. Qnet / vihaan is not into selling products... They are into enrolling people. Money circulation. They dupe ppl. I stopped attending their seminars, associations etc wen they started pushing me for dwd thailand. I said i dont have money they said to take more loan..!! That ws the point i said enough of this # biz.