Wake Up call for Indian Consumers

March 15, 2009 at 3:49 PM | In Advertisement, Blog, Consumer, Finance, Internet, Management, Service, Telecom | 1 Comment
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CERC has started consumer grievance helpline – 1800-233-0222. This helpline is toll free for BSNL Gujarat users.

This is really a welcome step by CERC in association with Consumer Affairs, Government of Gujarat. This helpline is available from 10.30 AM to 5.30 PM as per IST. (GMT +530)

CERC is very reputed non profit NGO serving and solving sonsumer complaints / grievance for its members. Its membership detail is here. You can become member by paying online instead.

To add few lines about the organisation’s prestigeous standing I can summarise few of my experiences:

  • When Vodafone Essar was Hutch, in undisclosed billed amount about Rs.500 for my postpaid mobile connection, I requested for justification and company ignored. I stopped using mobile services by paying genuine amount along with accounting statement which was genuine. Later, the company sent a legal notice that drove me to CERC. I have been member since then. CERC did some correspondance on my behalf. Company failed to respond and that proved the legal notice was no more legally valid or important!

  • HP refused to replace damaged front panel, damaged due to its design defect. Legally and as per company’s terms it is possible to replace such parts under cosmetic damaged parts category. Again, approaching CERC solved, front panel get replaced without any legal procedure.

  • In the matter of unsolicited call from ICICI Bank, I did some correspondence with bank and just by sending copy of the same to CERC taught the bank. The bank sent letter of forgiveness through courier!

Some points about CERC:

  • Complaint department listens and guides to complaint very genuinly. Consumer can feel free to express whatever his / her experience is / was.

  • Complaint department has very systemetic approach from receiving and registering complaints from its members to dealing with associated parties / business houses.

  • Genuine complaint can be registered through email to CERC as well. CERC’s method for dealing with non local complaint is really appreciative.

  • Insight, a bimonthly magazine from CERC is really worth to read. It is a leading publication in India for consumer awareness.

  • One membership serves complaint registered by his / her family members. (of course, not a joint family! :P )

  • Membership fees are normal or perhaps nominal for the kind of activities CERC does.

  • Most importantly, an Indian can be a member, get free Insight magazine and register for grievance too.

  • Different consumer product surveys carried & published by CERC are added advantage for consumers.

I highly recommend to become member of CERC, to boost its activities, to have Insight knowledge of consumer laws and if required to solve your complaints being a consumer.

AXIS Bank website & services – reviews & suggestions

February 4, 2009 at 2:10 PM | In Advertisement, Banking, Finance, Internet, Security, URL | 1 Comment
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www.axisbank.com is official website of AXIS (formerly UTI Bank). The bank brands their Internet enabled services as iConnect. I eventually came through and accessed the website some time back.

Here is what I felt…

  • The website is simple, and belongs to the professional look. However according to the footnote, it’s friendly with IE only. Where did firefox & safari go?

    Home Page

    Home Page

  • The login window does not have virtual keyboard which is very important shield to fraud cases, when user keystrokes are being recorded. ICICI Bank and Bank of India provides this.

    Virtual Keyboard

    Virtual Keyboard

  • In any case, the script should be written so that browser cannot store username and / or password even if user forces. Again, ICICI Bank takes care of this. Disabling ctrl + C & ctrl + V is added advantage, that can be provided!

    Storing private data

    Storing private data

  • Once user successfully logs in, welcome page has menu bar on left. But, again, a usability suggestion When user selects anything from drop right menu (menu to be displayed after selecting main menu item) item, it should be closed. It gets hidden only when user mouse focus is lost! So few user might not feel, whether he / she has clicked to menu item or not.

    Drop Right Menu

    Drop Right Menu

  • Account bifurcation is simply good.

  • The eMail section is not so good. The email text is given less importance in user interface design. The eMail body text is shown in 8 or 9 lines only, user need the help of scrollbars. Better UI design is required.

    eMail Section

    eMail Section

  • Mobile banking service can only be enabled, there is no option to either disable or change number! The Input Area to mention mobile number is non editable! Also, the bank is charging for this services a sum of amount which is higher compared to its accuracy and conditions for SMS alerts etc.

    Mobile Banking - no second chance

    Mobile Banking - no second chance

  • Session management seems handled with respect to time & browser activities such as back and forward button clicks, which is good way to prevent misuse. However, if you click multiple menu items before the respective page being actually loaded, the last clicked item will load, and session will not be lost – this seems unusual!

These points are just to save the bank from future online fraud and legal procedures. Banks have always been soft target of attackers.

This bank belongs India’s one of the well reputed and old established and recently converted to private bank. Of course, banking services are poorer than an Indian nationalise (so called Government!!! :P ) bank, charges are like normal private bank!

Few highlights of the banks’ unprofessional approach!

  • Irregular & sometimes irrelevant response.

  • Rare response to queries / request via authentic emails.

  • SMS server is less dependable in terms of timely delivery or acknowledgment to request SMSes. No error message for wrong SMS / inappropriate SMS sent to the bank!

  • Response from bank via email lacks proper formation of text. Just ctrl+C and ctrl+V.

By the time I am posting this, I received one simple screenshot of a duplicate website of ICIC Bank via alert email.

This is not ICICI Bank's official website - beware before you log in!

This is not ICICI Bank's official website - beware before you log in!

Security tips – mostly generic for all banks.

  • Never give your PIN, Card No., Internet banking username, passwords (login and transaction), etc. to anybody.
  • Changing login & transaction password regularly is good practise.
  • Never keep login and transaction password similar.
  • Keep an eye over URL of bank’s login page. It must be the bank’s original one. Someone may easily prank you by similar name. (as shown in ICICI Bank’s duplicate site – above)
  • No bank asks for whole 16 digit debit card number especially for any online purchase. It might ask very few randomly selected numbers for authentication, which is acceptable. ICICI Bank has introduced GRID Card which is really unique and addition to its security features.
  • In most cases, user ID will be required to log in, no account number or card number will help.
  • Avoid accessing net banking like services from public / shared computer.
  • Use virtual keyboard, on screen keyboard etc. utilities to enter username / password or any confidential information, especially if accessing website from someone else’s computer. In short avoide keystrokes, use mouse clicks!!
  • Last but not least, clear all URL, access history, form details from Browser Settings when you are done.
  • Close browser. All instances / tabs of the browser, if multiple are running.
  • And yet many more…. that you can contribute by comments. :) Thanks in advance.

HALF BOY and HALF MAN

January 26, 2009 at 8:00 AM | In Inspiration, Music, Politics, Security, Story, celebration | Leave a Comment
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A post on today’s occasion, worth to read. I received this as an forwarded e-mail from a professor.

The average age of the army man is 19 years.

He is a short haired, tight-muscled kid who, under normal circumstances is considered by society as half man, half boy. Not yet dry behind the ears, not old enough to buy a beer, but old enough to die for his country.

He never really cared much for work and he would rather wax his own car than wash his father’s, but he has never collected unemployment dole either.

He’s a recent college graduate; he was probably an average student from one of the Kendriya Vidyalayas, pursued some form of sport activities, drives a ten year old jalopy, and has a steady girlfriend that either broke up with him when he left, or swears to be waiting when he returns from half a world away.

He listens to rock and roll or hip-hop or country or gazals or swing and a 155mm howitzer.

He is 5 or 7 kilos lighter now than when he was at home because he is working or fighting the insurgents or standing gaurd on the icy Himalayas from before dawn to well after dusk or he is at Mumbai engaging the terrorists.

He has trouble spelling, thus letter writing is a pain for him, but he can field strip a rifle in 30 seconds and reassemble it in less time in the dark. He can recite to you the nomenclature of a machine gun or grenade launcher and use either one effectively if he must.

He digs foxholes and latrines and can apply first aid like a professional.

He can march until he is told to stop, or stop until he is told to march.

He obeys orders instantly and without hesitation, but he is not without spirit or individual dignity. His pride and self-respect, he does not lack.

He is self-sufficient.

He has two sets of combat dress: he washes one and wears the other.

He keeps his water bottle full and his feet dry.

He sometimes forgets to brush his teeth, but never to clean his rifle. He can cook his own meals, mend his own clothes, and fix his own hurts.

If you’re thirsty, he’ll share his water with you; if you are hungry, his food.. He’ll even split his ammunition with you in the midst of battle when you run low.

He has learned to use his hands like weapons and weapons like they were his hands.

He can save your life – or take it, because that is his job.

He will often do twice the work of a civilian, draw half the pay, and still find ironic humor in it all.

He has seen more suffering and death than he should have in his short lifetime.

He has wept in public and in private, for friends who have fallen in combat and is unashamed.

He feels every note of the Jana Gana Mana vibrate through his body while at rigid attention, while tempering the burning desire to ’square-away’ those around him who haven’t bothered to stand, remove their hands from their pockets, or even stop talking.

In an odd twist, day in and day out, far from home, he defends their right to be disrespectful.

Just as did his Father, Grandfather, and Great-grandfather, he is paying the price for our freedom.
Beardless or not, he is not a boy.

He is your nation’s Fighting Man that has kept this country free and defended your right to Freedom. He has experienced deprivation and adversity, and has seen his buddies falling to bullets and maimed and blown. But,

He has asked nothing in return, except our acknowledgement of his existence and understanding of his human needs.

Remember him, always, for he has earned our respect and admiration with his blood.

And now we even have women over there in danger, doing their part in this tradition of going to War when our nation calls us to do so.

As you go to bed tonight, remember this shot. . ..
A short lull, a little shade and a picture of loved ones in their helmets.

Prayer Wheel ‘Lord, hold our Indian Army in your loving hands. Protect them as they protect us. Bless them and their families for the selfless acts they perform for us in our time of need. Amen.’
When you read this, please stop for a moment and say a prayer for our soldiers, sailors, and airmen, in all frontiers.

There is nothing attached…
This can be very powerful…
Of all the gifts you could give a Soldier, Sailor, or Airman, prayer is the very best one.

Pray for the Indian Soldier. Unlike your ‘Babus’ or ‘Netas’. He will always do you proud.

National Anthem (Collective) Instrumental Version

Danger

December 29, 2008 at 7:48 AM | In Advertisement, Blog, Security | Leave a Comment
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This is yet another post, to clarify a major difference about a wrong or incomplete information. This is about LPG Cylinders, widely used.

E-mail with following content is spreading at higher speed than the myth, or undeclared clarification about the same.

Here is what the incomplete e-mail reads like:

Have U ever heard about LPG gas cylinder’s expiry date….!!

I also didn’t know how to find LPG cylinder’s expiry date? Expired Cylinders are not safe for use and may cause accidents. In this regard please be cautious at the time of accepting any LPG cylinder from the Vendor.

Here is how we can check the expiry of LPG cylinders:

On one of three side stems of the cylinder, the expiry date is coded alpha numerically as follows A or B or C or D and some two digit number following this e.g. D06.

The alphabets stand for quarters -

1. A for March (First Qtr),

2. B for June (Second Qtr),

3. C for Sept (Third Qtr),

4. D for December (Fourth Qtr).

The digits stand for the year till it is valid. Hence D06 would mean December qtr of 2006.

Please Return Back the Cylinder that you get with a Expiry Date, they are prone to Leak and other Hazardous accidents

Of course, the content is partially correct. However, it is incomplete!!

In an FAQ, Indian Oil Corporation says,

In any case, this is not the date of EXPIRY of PHYSICAL LIFE of the CYLINDER .

It is further clarified that, during service, every empty LPG cylinder when it comes from the Distributor to the Bottling Plant for filling, is checked for its condition including the marked date for Statutory Testing due. Cylinders due for testing are segregated and sent for testing.

This seems more logical.

Thus, I can conclude that in case the date period mentioned on cylinder is passed, it is better to be sent for effective testing, not just sent to trash.

Cast your vote or don’t, if you wish so but know rule 49-0 well

December 4, 2008 at 12:42 PM | In Uncategorized | 1 Comment
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There is a fake email spreading over Internet which is misleading. I had been victim of this email quiet a long time back, and I believed!

Today I come to know about the fact.

Rule 49-0 does not cancel or reschedule polling evenif I don’t wish to go for or against any party.

Copy of an email misleading the facts:

Did you know that there is a system in our constitution, as per the 1969 act, in section “49-O” that a person can go to the polling booth, confirm his identity, get his finger marked and convey the presiding election officer that he doesn’t want to vote anyone!

Yes such a feature is available, but obviously these seemingly notorious leaders have never disclosed it. This is called “49-O”.

Why should you go and say “I VOTE NOBODY”… because, in a ward, if a candidate wins, say by 123 votes, and that particular ward has received “49-O” votes more than 123, then that polling will be cancelled and will have to be re-polled. Not only that, but the candidature of the contestants will be removed and they cannot contest the re-polling, since people had already expressed their decision on them. This would bring fear into parties and hence look for genuine candidates for their parties for election. This would change the way, of our whole political system… it is seemingly surprising why the election commission has not revealed such a feature to the public….

Please spread this news to as many as you know… Seems to be a wonderful weapon against corrupt parties in India… show your power, expressing your desire not to vote for anybody, is even more powerful than voting… so don’t miss your chance. So either vote, or vote not to vote (vote 49-O) and pass this info on…

Copy of an email clearing the facts:

This is a hoax that has been floated by an irresponsible dimwit by mails and pasted as-is by an irresponsible blogger.

Every one knows that Indian Constitution does not mention about any Section, but only Articles. In Indian Constitution there is no Sec. 49-0, leave alone Article 49-0. Article 49 of the Constitution of India deals with protection of historical monuments. The news further states that it is as per the 1969 Act. Which is the so called 1969 Act?

The fact is as follows:

Section 49-O is a section coming under the Conduct of Election Rules, 1961. It has nothing to do with the Constitution of India. It reads as follows:

“49-O: Elector deciding not to vote. – If an elector, after his electoral roll number has been duly entered in the register of voters in Form-17A and has put his signature or thumb impression thereon as required under sub-rule (1) of rule 49-L, decided not to record his vote, a remark to this effect shall be made against the said entry in Form 17A by the presiding officer and the signature or thumb impression of the elector shall be obtained against such remark.”

This is only a provision for abstaining from voting or at the best negative voting. It does not provide for cancellation of polling if the 49-0 votes are more than the candidate’s majority or provide that the candidature of the contestants will be removed and they cannot contest the re-polling, since people had already expressed their decision on them.

In fact in the PROPOSED ELECTORAL REFORMS by the Election Commission of India, which was forwarded to the Prime Minister of India on 05/07/2004, the following reform was proposed;

“7. NEGATIVE / NEUTRAL VOTING

The Commission has received proposals from a very large number of individuals and organizations that there should be a provision enabling a voter to reject all the candidates in the constituency if he does not find them suitable. In the voting using the conventional ballot paper and ballot boxes, an elector can drop the ballot paper without marking his vote against any of the candidates, if he chooses so. However, in the voting using the Electronic Voting Machines, such a facility is not available to the voter. Although, Rule 49 O of the Conduct of Election Rules, 1961 provides that an elector may refuse to vote after he has been identified and necessary entries made in the Register of Electors and the marked copy of the electoral roll, the secrecy of voting is not protected here inasmuch as the polling officials and the polling agents in the polling station get to know about the decision of such a voter.

The Commission recommends that the law should be amended to specifically provide for negative / neutral voting. For this purpose, Rules 22 and 49B of the Conduct of Election Rules, 1961 may be suitably amended adding a proviso that in the ballot paper and the particulars on the ballot unit, in the column relating to names of candidates, after the entry relating to the last candidate, there shall be a column .None of the above., to enable a voter to reject all the candidates, if he chooses so. Such a proposal was earlier made by the Commission in 2001 (vide letter dated 10.12.2001).

(A petition by the People’s Union for Civil Liberties seeking such a provision filed at the time of the recent general elections is pending before the Hon’ble Supreme Court)”

This is the actual fact. Please do not spread messages without verifying the authenticity

So, it’s true that major (18+) Indians can vote for none, but it doesn’t mean voting will be cancelled if similar counter is larger!

Here is a news item published

References:

  1. Election Commission of India Press Note
  2. The Conduct of Elections Rules, 1961
  3. 49-O on Wikipedia

Bhai Sahab Nahi Lagega

November 3, 2008 at 12:27 PM | In Internet, Management, Telecom | 1 Comment
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It has been never forgetful experience since we have / had subscribed BSNL services. Whether it’s mobile or Internet (Broadband – rarely on!).

Therefore we pronounce full form of Bharat Sanchar Nigam Limited as Bhai Sahab Nahi Lagegaa (Sir, It won’t get connected)!!

Although it is the pioneer behind all telecommunication services, I guess the management needs to be improved, learn something from others.

Although it has wide (or perhaps most) coverage in all senses, it’s not being utilised.

Recently the management has appointed third parties for their services and fault resolution for broadband. However, due to lack of power, those third parties seem helpless. The higher management is still the same one. Of course, it’s not that BSNL does not have skilled manpower. My personal experience with higher level personel is quite good.

Many times mobile network of BSNL gets congusted, you cannot reach a person even in case of emergency. Internet services had been quiet good few months back. But now a days they have sever technical issue that has not been solved yet. Almost every 5 minute, the Broadband service (DataOne) gets disconnected or very slow like dial-up and reconnected! Accroding to TRAI, it is not true Broadband – always on.

I just hope for better management so that we feel pround of an truely Indian (yes 100% Indian) service provider with maximum privillages!

India or Maharashtra + North India?

October 27, 2008 at 1:35 PM | In Politics | 1 Comment
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Notice : Since this is a controversial article, I welcome comments. However the comment should be meaningful & written in polish language. I need to write this after receiving a comment with ambiguous meaning. The fellow expressed nothing but anger and did not dare to write his / her actual email ID!

Of course, this is just to express what I thought. Neither I am a politician, nor I take much interest in politics.

The MNS party is raising an issue that due to migrants in Mumbai & Maharashtra, the original local people does not get basic privileges, jobs etc. etc. If this is a valid reason to debate, the roots are straight forward – those migrants are really hardworking (or rather struggling) who are ready to work with lower pay – to work harder to get their bread and butter.

May be, but does the actual – originally Maharashtrian people less sufficient? I don’t think so.

Apart from Maharashtrian efficiency there is another point to think about. Many of us are used to with Chinese goods. Why? Because they are cheaper – easily available. Can we and MNS start any campaign against these items? If we can stop ourselves from using Chinese items, Indian items’ sale will automatically raise. Same is the case with North Indians in Maharashtra – like Chinese items in India. Important is Indians should get work, no matter where he or she is from. By using Chinese items, China will go ahead, not India. If we start using Indian items, those manufacturing units will work hard, more people will get jobs. Picture is quite clear.

We should feel proud that due to hardworking people & their contribution, Maharashtra is developing very fast and is economic capital, why should we distinguish them by their native??

States and regions in India are just for easy management & administration of the country, not to divide the country. Remember what Sardar Patel did immediately after independence!

Jai Hind!

IT practices

September 3, 2008 at 4:11 AM | In IT | Leave a Comment
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This is a real incident happened with one of my friends during his college placement.

Raju Shastri, student of a reputed institute in outskirts of Pune.
On a working day evening a ring goes to Raju Shastri’s cell phone. He is asked to go to TelSoft, a Pune based IT company, to appear for his second round of interview. On next day in afternoon, after clearing 2 elimination rounds including an aptitude test and a basic interview at college campus.
Raju reaches to the venue five minutes early than said time. The interview takes place in time. Raju talks to the HR after the interview. Komal (the HR of TelSoft) says that Raju has cleared the interview. She asks him again to come for next interview with team lead.
Raju again reaches to the company place in time; again, interviewed. It takes around half hour! So naturally, the candidate’s expectation increases. And yes, up to his expectations, the HR says that he has cleared that round of interview. But again, asks to come for last round of technical interview with the project manager. (Who, is better known as project damager!)
The hope of sun rises next morning. Raju goes to the same company with big dreams in mind. Appears for the ‘last’ interview. And yes, like a quick goal in football tournament, Komal asks to meet, Raju enters the meeting room. HR smiles and wishes him – ‘Congratulations Raju!’ the HR continues, ‘I will soon have a meeting with CEO, and will finalise your selection. But, I promise, you are 99% selected!’
He could not interpret ‘99%’! But, he goes home with smiling face!

He has no idea about the meeting process, how long will it go. Almost 4 weeks passed. No response from TelSoft even after such a long time!
Isn’t it something unusual? It might be, but who can do anything, when the finaliser committee ‘doesn’t do anything’?

An unfortunate end comes when Raju calls the Komal, the HR. Even at that time the response is – ‘We don’t require more people’!!
Naturally, few thoughts are bubbling in Raju’s mind…
Why did TelSoft come to campus? Why did they ‘waste’ their and my time in interviewing and testing my skills? Is it professionalism?

This is just an attempt to make people aware about some wrong practices going in IT industry; that too in good companies. It makes sense if we consider such scenarios and react accordingly. Of course, the incident was happened in mid 2007, so India was not facing recession at that time!

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