"Don't part with your dreams - when they are gone you may still exist but you will have ceased to live" - Mark Twain

"Do you know that this blog wouldn't exist if it wasn't for you being here to read it!?" - Bobby Gill

Friday, 30 November 2012

Lesson of Integrity from Gandhi

During 1930′s, a young boy had become obsessed with eating sugar. His mother was very upset with this. But no matter how much she scolded him and tried to break his habit, he continued to satisfy his sweet tooth.

Totally frustrated, she decided to take her son to see his idol – Mahatma Gandhi; perhaps her son would listen to him.

She walked miles, for hours under scorching sun to finally reach Gandhi’s ashram. There, she shared with Gandhi her predicament.
“Bapu, my son eats too much sugar. It is not good for his health. Would you please advise him to stop eating it?”

Gandhi listened to the woman carefully, thought for a while and replied,
“Please come back after two weeks. I will talk to your son.”

The woman looked perplexed and wondered why had he not asked the boy to stop eating sugar right away. She took the boy by the hand and went home.

Two weeks later they revisited Gandhi. Gandhi looked directly at the boy and said,
“Boy, you should stop eating sugar. It is not good for your health.”

The boy nodded and promised he would not continue this habit any longer.
The boy’s mother was puzzled. She turned to Gandhi and asked,
“Bapu, Why didn’t you tell him that two weeks ago when I brought him here to see you?”

Gandhi smiled, “Mother, two weeks ago I was eating a lot of sugar myself.”


Integrity is a concept of consistency of actions, values, methods, measures, principles, expectations, and outcomes. In ethics, integrity is regarded as the honesty and truthfulness or accuracy of one's actions. Integrity can be regarded as the opposite of hypocrisy, in that integrity regards internal consistency as a virtue, and suggests that parties holding apparently conflicting values should account for the discrepancy or alter their beliefs. 
The word "integrity" stems from the Latin adjective integer (whole, complete). In this context, integrity is the inner sense of "wholeness" deriving from qualities such as honesty and consistency of character
As such, one may judge that others "have integrity" to the extent that they act according to the values, beliefs and principles they claim to hold. 


Do the people you follow and listen to act out of integrity - or are your mentors 'do as I say, not as I do' fakers?

More importantly, do you ACT in accordance with your own values and character and 'walk the talk'?

If not, when would now be a good time to change...

"You Must Be The Change You Wish To See In The World"

Tuesday, 20 November 2012

Corporate Scam Calls - Please Confirm Your Personal Details

Corporates make it easy for scammers by making these types of calls as well.  Ever had a call from someone claiming to be from your Bank asking you to verify your details then getting arse-y when you refuse?

Even those with legitimate reasons to calls have poor phone manners and protocol.

Companies like HMRC use witheld and blocked numbers and Banks like HBOS hire third parties to contact you, that aren't transparent either.
Let them get arse-y, upset, offended, annoyed - as they have called you randomly and asked for private information to usually get money for themselves.  They may or may not be legitimate but don't take the risk.
With Governments, Councils, HMRC, Corporates 'losing', 'selling' and 'sharing' your personal details on a regular basis it is pretty easy for a scammer to get hold of them too.

For example: The AA called me and asked me to renew cover.

TIP: I asked for the cheapest rate (usually reserved for NEW customers by most companies) and it was 30% less. So remember to cancel any automatic renewals and re-negotiate ALL your contracts, insurance policies etc annually.

Then she asked me to confirm and provide my credit card details,  I refused.
She said she could prove that she was from the AA by providing breakdown details etc.
I explained that companies sell information and 'lose' it all the time.
She did not give her return call number saying I would not get back through to her.  I ended the call. Another third party commission call centre?

You may have received similar calls from mobile phone companies claiming to be your main provider, having 'acquired' your telephone number, network details and personal info from someone working at Orange/Vodaphone/O2/Carphone Warehouse etc.

For example: Someone called claiming they were from Orange and my handset was due an upgrade. Although quite convincing, his story was only about 99% accurate.  When I did call Orange, they said it wasn't them.

For example: People contacted me from Bank of Scotland saying they worked for HBOS. When contacting HBOS, the Bank denied they worked for them, even though they had provided my personal information.
Note that Banks sometimes actively hire third parties to work for them but do not acknowledge it!

Scammers are con artists who work on convincing you that they are truthful and honest, hence taking advantage of your trust and good human nature.

The BEST policy is do NOT trust anyone claiming to be from a Company - unless you are expecting a call from them and then contact them back yourself!

- I now make it good practice to not answer blocked, unknown or with-held numbers.
- If on answering, it's an automated message that is played, immediately hang up.
- Don't call back if you do not know what the call is about.
- Take the name of the person, usually they refuse to give their last name and contact number anyway.
- Then google the number to find out if it is linked to their official site.

For example: I got a call from Barclays Fraud Department from an unknown number, with a automated voicemail leaving a return number to call.  I could not find reference to this number anywhere!
Even worse it was a legitimate call (from an unknown number) about an important matter, which I found out from the Bank later.  They set themselves up to fail and appear untrustworthy.

This is why you should not trust anyone that calls you and asks to verify your personal details - if they have any sense (which corporates are lacking) they would not ask for it, instead asking you to call them back on a legitimate number that you can find on their correspondence or official websites.

It's also good to have recording device on hand, as you may have found through experience that Government, Council and Corporate employees have a tendency to 'lie' or not tell the whole truth when asked simple questions that deviate from their standard script.

If it's important, they will write to you.

Also note on letters, when dealing with big companies, always write to the Registered office address via recorded delivery to the person named on the letter. They sometimes try to hide behind PO Boxes but must publish the recorded office details.

Below is an example about a BT phone scam going on at the moment.

Phone scammers often pose as staff of companies, government departments or financial institutions as a means of fooling people into handing over their personal details. While this particular instance of the scam targets UK residents, criminals may use similar tactics to steal information from phone consumers in other parts of the world.

While telecommunications companies may well call their customers to query an unpaid account, they are unlikely to attempt to prove the legitimacy of the call by disconnecting the line. If you do receive a suspect call, do not provide the caller with any personal or financial details. If you are unsure about a call, the safest course of action is to:
- Ask for the caller's name and department details and then terminate the call.
- Find a legitimate contact number for the company either in a bill or other official documentation or a telephone directory. (Don't use a contact number provided by the caller).
- Call the company and ask to speak to the original caller by name.

This strategy should effectively derail any scam attempts and also allow you to deal with the issue in the event that the call was actually legitimate.



"BT Unpaid Bill Phone Scam Warning

Message warns that scammers posing as UK telecommunications company BT staff are tricking people into revealing their bank or credit card details by claiming that their phone service will be disconnected if they do not pay an overdue bill immediately.

Brief Analysis
The information in the warning message is factual. Such scams have been occurring in the UK for several years and a number of UK residents have already lost money to the fraudsters.

Subject: BT phone scam


The new telephone 'scam' has arrived.

I received a call from a 'representative' of BT, informing me that he was disconnecting me because of an unpaid bill. He demanded payment immediately of £31.00, or it would be £118.00 to re-connect at a later date.

The guy wasn't even fazed when I told him I was with Virgin Media, allegedly VM have to pay BT a percentage for line rental!

I asked the guy's name - the very 'English' John Peacock with a very 'African' accent - & phone number - 0800 0800 152.

Obviously the fella realized I wasn't believing his story, so offered to demonstrate that he was from BT. I asked how & he told me to hang up & try phoning someone - he would disconnect my phone to prevent this.

My phone was dead - no engaged tone, nothing - until he phoned me again.

Very pleased with himself, he asked if that was enough proof that he was with BT. I asked how the payment was to be made & he said credit card, there & then.

I said that I didn't know how he'd done it, but I had absolutely no intention of paying him, I didn't believe his name or that he worked for BT.

He hung up.
Did 1471 & phoned his fictitious 0800 number – not recognised.

I phoned the police to let them know, I wasn't the first! It's only just started apparently but it is escalating.

Their advice was to let as many people know by word of mouth of this scam. The fact that the phone does go off would probably convince some people it's real, so please let as many friends & family aware of this.

This is good but not that clever. He gave the wrong number - it should have been 0800 800152 which takes you through to BT Business. The cutting off of the line is very simple , he stays on the line with the mute button on and you can't dial out - but he can hear you trying. (This is because the person who initiates a call is the one to terminate it). When you stop trying he cuts off and immediately calls back.

You could almost be convinced! The sad thing is that it is so simple that it will certainly fool the elderly and vulnerable.

Obviously, if this scam is real, once they have your credit/debit card details, there is nothing to stop them cleaning out your account.

Detailed Analysis
This warning, which circulates via email and social media posts, claims that scammers are posing as representatives of UK telecommunications giant BT in order to trick phone users into handing over their financial information.

Beware of scammers posing as BT staff who demand immediate payment for a supposed unpaid bill According to the message, a scammer calls a potential victim and identifies himself as a BT staff member before demanding that a supposed unpaid bill be paid immediately lest the phone be disconnected. If the potential victim seems doubtful, the scammer offers to "prove" he is really from BT by temporarily disconnecting the phone. The scammer then uses a simple trick to make the victim think that the phone has really been cut off before calling back to demand an immediate payment. The scammer ask the victim to hang up and try calling someone else but simply stays on the line which restricts outgoing calls. Because the outgoing call cannot be made, some users may then assume that their phone has really been disconnected and pay up as requested to avoid a hefty reconnection fee.

The information in the warning email is factual. Such scams have indeed been occurring in the UK and a number of UK residents have already lost money to these fraudsters. BT has published the following notice on its website warning customers about the scam:
Please be aware of the following:

Fraudsters, pretending to be from various phone companies, have been calling people on the pretence that there is an outstanding bill and threatening to disconnect their line immediately if they do not pay the bill straight away.

The fraudsters have been pretending to "cut off" the customer. Worried about having their line cut off, some people have been persuaded into giving the fraudsters their bank account details.

The police are investigating and BT Security is looking into incidents where the fraudsters have claimed to be from BT.

Whilst BT does have debt handling procedures which may involve calling customers, BT never carries out disconnections during the call by way of proof.

We advise customers never to give out any banking details over the phone unless they are absolutely certain who they are dealing with.

If there is any doubt at all, a BT employee will be able to give the customer their employee ID number and an 0800 number to call, where the customer can check that they are who they say they are. The customer can also check their identity by calling 0800 800 150.

Beware of similar phone numbers. Fraudsters may for example offer a number which has an extra zero - 0800 0800 xxx has been used by fraudsters - it is not the same as 0800 800 xxx.
UK communications regulator OfCom has also posted a warning to consumers about the scam:
Fraudsters are currently phoning consumers claiming to be from BT or Ofcom. They claim that the consumer’s telephone line needs digital upgrade work. This, they say, will cost £6 and if it isn’t paid within 10 days the consumer’s phone line will be cut off.

In some cases, the fraudster will claim that the line needs testing and they will temporarily disconnect it. When the consumer tries to make an outgoing call they are unable to do so. This is simply because the fraudster is still on the line meaning no outbound calls can be made.

This is a scam. Ofcom and BT have alerted the relevant authorities for investigation."

Article written by Brett M. Christensen Hoax-Slayer

Thursday, 1 November 2012

Bank Frauds in the News - $43 Trillion Financial Fraud Lawsuit in US - Racketeering and Money Laundering

Iceland dealt with it's banking and financial problems and the economy is recovering.  The Irish are taking mass action against the banks. Even the US have started civil lawsuits against racketeering and Money Laundering now - but they're trying to keep it quiet.

Censored: Banks Fraud in the News - $43 Trillion Financial Fraud Lawsuit and CNBC Executive’s Children Murdered - coincidence or not!?

Do you watch/read the news? Do you believe it isn't censored…?
In that case you will have heard one of the big CNBC related news stories.

Not the one about the Vice President of CNBC Digital having his children murdered, which is the daily fodder of stories that media like to feed people that enjoy this kind of curious behaviour. Even though it was horrific and not deserving of anyone, especially young children: http://www.dailymail.co.uk/news/article-2223972/Krim-murder-Brave-year-old-girl-tried-fight-killer-nanny.html

But the other BIG story I'm referring to is about the $43 trillion dollar lawsuit that CNBC had published earlier that same day.  It was a Press Release that they had run on their website, I know it was there as I had a glance last week and saved the link to read later. CNBC Published the article on Thursday and it had disappeared within 48 hours! Now who says news isn't censored!?

This is the link where the article WAS:

A copy of the deleted article/press release is available here to read:

View the 858 Page Lawsuit here:

And other people that notice the anomaly and discussing the coincidence:

I'm not saying there is a link but don't you think it curious that it happened!?


Elsewhere in the World....

Do what Iceland did and kick out the corrupt Government plebs and fraudulent bankers!

The Irish have also started their cases

Bankers in America know their time has come with the latest lawsuit and it looks like it will be the UK's biggest next, with Lloyds TSB management and their Halifax Bank of Scotland partners next.

Do you think your Bank has defrauded you?

Well, with so much overwhelming evidence (or lack of defence offered), moral and financial bankruptcy, government bailouts, whilst they take money from 'Dear Doris' - the answer is yes and you can find out easily by asking them a few simple questions.

Of course if you're happy with them defrauding you, then carry on as normal. After all is Ignorance is Bliss!

If you want to know for sure then you can send them a letter requesting a certified copy of your supposed contracts and proof of Bank funds, to confirm your suspicions.

Your only obligation to yourself is to send the letter, see what answers you get back - then follow up with legal action (if you can afford) or at least publish the information online if there is something untoward or shady about any misdirection and refusal to provide answers or documents that you have a right to!

Yes that's right - Banks refuse to send documents either because they don't have them or because they believe they can get away with it. Is it time you showed them that people aren't going to take any more fraud and lies?

Isn't it time you took a stand too?

Leave a comment below and I'll send you a copy of the letter to find out if you have been taken for a ride.