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Not Safe For Work! Spurty's Newsround
- Thread starter SpurtingLesbian
- Start date
- Status
carlos21
KING OF REP
United are doing okay.
summerisle
The rain, it raineth every day
https://www.rt.com/business/man-outsmarts-banks-wins-court-221/#.VuFFS5VKD6g.facebook
$700k windfall: Russian man outwits bank with hand-written credit contract
Published time: 8 Aug, 2013 11:59Edited time: 9 Aug, 2013 08:26
A Russian man who decided to write his own small print in a credit card contract has had his changes upheld in court. He's now suing the country's leading online bank for more than 24 million rubles ($727,000) in compensation.
Disappointed by the terms of the unsolicited offer for a credit card from Tinkoff Credit Systems in 2008, a 42-year-old Dmitry Agarkov from the city of Voronezh decided to hand write his own credits terms.
The trick was that Agarkov simply scanned the bank’s document and ‘amended’ the small print with his own terms.
He opted for a 0 percent interest rate and no fees, adding that the customer "is not obliged to pay any fees and charges imposed by bank tariffs." The bank, however, didn’t read ‘the amendments’, as it signed and certified the document, as well as sent the man a credit card. Under the agreement, the bank OK'd to provide unlimited credit, according to Agarkov’s lawyer Dmitry Mikhalevich talking to Kommersant daily.
"The opened credit line was unlimited. He could afford to buy an island somewhere in Malaysia, and the bank would have to pay for it by law," Mikhalevich added.
Agarkov also changed the URL of the site where the terms and conditions were published and hedged against the bank’s breaking of the agreement. For each unilateral change in the terms provided in the agreement, the bank would be asked to pay the customer (Agarkov) 3 million rubles ($91,000), or a cancelation fee of 6 million rubles ($182,000).
However, after two years of active use, the bank decided to terminate Agarkov's credit card because of overdue payments. In 2012, the bank sued Agarkov for 45,000 rubles ($1,363) - an amount that included the remaining balance, fees, and late payment charges, which violated the actual agreement. The court decided that the agreement Agarkov crafted was valid, and required him to settle only his balance of 19,000 rubles ($575).
The bankers had to admit the mistake, says Agarkov’s representative Dmitry Mikhalevich.
"They signed the documents without looking. They said what usually their borrowers say in court: 'We have not read it,'” says Mikhalevich.
Despite the victory, Agarkov decided to sue Tinkoff Credit Systems for fines of 24 million rubles ($727,000) for not honoring the terms of the agreement, and the decision to terminate the contract without paying 6 million rubles ($182,000) fee.
"Our lawyers think, he is going to get not 24 million, but really four years in prison for fraud. Now it's a matter of principle for @ tcsbank,” founder of the bank Oleg Tinkov tweeted.
“We don’t have small print, everything is clear and transparent. Try to open a card - then we'll talk. Stealing is a sin - in my opinion, of course. Not all in Russia think so,” Tinkov tweeted.
The next hearing will be held in September.
$700k windfall: Russian man outwits bank with hand-written credit contract
Published time: 8 Aug, 2013 11:59Edited time: 9 Aug, 2013 08:26
A Russian man who decided to write his own small print in a credit card contract has had his changes upheld in court. He's now suing the country's leading online bank for more than 24 million rubles ($727,000) in compensation.
Disappointed by the terms of the unsolicited offer for a credit card from Tinkoff Credit Systems in 2008, a 42-year-old Dmitry Agarkov from the city of Voronezh decided to hand write his own credits terms.
The trick was that Agarkov simply scanned the bank’s document and ‘amended’ the small print with his own terms.
He opted for a 0 percent interest rate and no fees, adding that the customer "is not obliged to pay any fees and charges imposed by bank tariffs." The bank, however, didn’t read ‘the amendments’, as it signed and certified the document, as well as sent the man a credit card. Under the agreement, the bank OK'd to provide unlimited credit, according to Agarkov’s lawyer Dmitry Mikhalevich talking to Kommersant daily.
"The opened credit line was unlimited. He could afford to buy an island somewhere in Malaysia, and the bank would have to pay for it by law," Mikhalevich added.
Agarkov also changed the URL of the site where the terms and conditions were published and hedged against the bank’s breaking of the agreement. For each unilateral change in the terms provided in the agreement, the bank would be asked to pay the customer (Agarkov) 3 million rubles ($91,000), or a cancelation fee of 6 million rubles ($182,000).
However, after two years of active use, the bank decided to terminate Agarkov's credit card because of overdue payments. In 2012, the bank sued Agarkov for 45,000 rubles ($1,363) - an amount that included the remaining balance, fees, and late payment charges, which violated the actual agreement. The court decided that the agreement Agarkov crafted was valid, and required him to settle only his balance of 19,000 rubles ($575).
The bankers had to admit the mistake, says Agarkov’s representative Dmitry Mikhalevich.
"They signed the documents without looking. They said what usually their borrowers say in court: 'We have not read it,'” says Mikhalevich.
Despite the victory, Agarkov decided to sue Tinkoff Credit Systems for fines of 24 million rubles ($727,000) for not honoring the terms of the agreement, and the decision to terminate the contract without paying 6 million rubles ($182,000) fee.
"Our lawyers think, he is going to get not 24 million, but really four years in prison for fraud. Now it's a matter of principle for @ tcsbank,” founder of the bank Oleg Tinkov tweeted.
“We don’t have small print, everything is clear and transparent. Try to open a card - then we'll talk. Stealing is a sin - in my opinion, of course. Not all in Russia think so,” Tinkov tweeted.
The next hearing will be held in September.
SpurtingLesbian
Ken Dodd Nagasaki
Head of patron saint of genital diseases sold to Los Angeles buyer
CATHAL DERVAN
CATHAL DERVAN
The head of St Vitalis Photo by: Irish Times
The severed head of the patron saint of genital diseases is off to Los Angeles – after it was sold at aCounty Meath antiques auction.
An unnamed Californian phone bidder successfully won the head of St Vitalis of Assisi for $5,000.
The bizarre item sold in Duleek is reportedly the head of 14th-century Italian saint who became a hermit in later life after years of promiscuity as a youngster.
Following his death in 1370, the Benedictine monk became known as the patron saint of those suffering from genital disease.
The skull of the saint, enshrined in an antique glass case, had been on display in the hallway of a period mansion in County Louth for many years.
It was only put away when young children visited the house according to auctioneer Brendan Matthews.
Bidding for the skull opened at $3,500 before it was sold for $5,000 in less than a minute to the anonymous phone bidder.
“We received phone calls from all over the world about this -- from all sorts of crackpots and oddballs. We received about 100 different bids in advance,” said auctioneer Matthews.
carlos21
KING OF REP
You getting all this from the Internet pal.Head of patron saint of genital diseases sold to Los Angeles buyer
CATHAL DERVAN
The head of St Vitalis Photo by: Irish Times
The severed head of the patron saint of genital diseases is off to Los Angeles – after it was sold at aCounty Meath antiques auction.
An unnamed Californian phone bidder successfully won the head of St Vitalis of Assisi for $5,000.
The bizarre item sold in Duleek is reportedly the head of 14th-century Italian saint who became a hermit in later life after years of promiscuity as a youngster.
Following his death in 1370, the Benedictine monk became known as the patron saint of those suffering from genital disease.
The skull of the saint, enshrined in an antique glass case, had been on display in the hallway of a period mansion in County Louth for many years.
It was only put away when young children visited the house according to auctioneer Brendan Matthews.
Bidding for the skull opened at $3,500 before it was sold for $5,000 in less than a minute to the anonymous phone bidder.
“We received phone calls from all over the world about this -- from all sorts of crackpots and oddballs. We received about 100 different bids in advance,” said auctioneer Matthews.
SpurtingLesbian
Ken Dodd Nagasaki
you could be right the Carlos. ;-)
A) Why is there a Patron Saint for Genital DiseasesHead of patron saint of genital diseases sold to Los Angeles buyer
CATHAL DERVAN
The head of St Vitalis Photo by: Irish Times
The severed head of the patron saint of genital diseases is off to Los Angeles – after it was sold at aCounty Meath antiques auction.
An unnamed Californian phone bidder successfully won the head of St Vitalis of Assisi for $5,000.
The bizarre item sold in Duleek is reportedly the head of 14th-century Italian saint who became a hermit in later life after years of promiscuity as a youngster.
Following his death in 1370, the Benedictine monk became known as the patron saint of those suffering from genital disease.
The skull of the saint, enshrined in an antique glass case, had been on display in the hallway of a period mansion in County Louth for many years.
It was only put away when young children visited the house according to auctioneer Brendan Matthews.
Bidding for the skull opened at $3,500 before it was sold for $5,000 in less than a minute to the anonymous phone bidder.
“We received phone calls from all over the world about this -- from all sorts of crackpots and oddballs. We received about 100 different bids in advance,” said auctioneer Matthews.
B) This is my new favorite thread (no offense to others)
SpurtingLesbian
Ken Dodd Nagasaki
Christian ‘prophet’ loses his buttocks to a hungry lion while trying to prove God would save him
10 MAR 2016 AT 12:59 ET
Alec Ndiwane thought he was filled with the Holy Spirit when he decided to “challenge” lions at the Kruger National Park.
The Zion Christian Church Prophet was at the park with his fellow church members when, according to GhanaWeb, he went into a trance and began speaking in tongues. The group approached the pride of lions while they munched happily on an antelope, but that’s when Ndiwane ran toward the lions.
Out To Africa lists humans as the major predator to lions, so it’s no surprise that the lions took on the challenge. Once he realized what was happening, Ndiwane made an about-face and immediately ran away. Unfortunately, lions are fast and fierce animals and when one of the lions snapped her paws on him, Ndiwane sustained injuries to his buttocks.
The ranger fired his gun into the air to scare the lions off and rushed the prophet to the hospital, where he underwent emergency surgery to ensure he didn’t lose most of his buttocks.
“I do not know what came over me,” Ndiwane confessed. “I thought the Lord wanted to use me to show his power over animals. Is it not we were given dominion over all creatures of the earth.” He was eventually stitched up and discharged after spending the night in hospital.
10 MAR 2016 AT 12:59 ET
Alec Ndiwane thought he was filled with the Holy Spirit when he decided to “challenge” lions at the Kruger National Park.
The Zion Christian Church Prophet was at the park with his fellow church members when, according to GhanaWeb, he went into a trance and began speaking in tongues. The group approached the pride of lions while they munched happily on an antelope, but that’s when Ndiwane ran toward the lions.
Out To Africa lists humans as the major predator to lions, so it’s no surprise that the lions took on the challenge. Once he realized what was happening, Ndiwane made an about-face and immediately ran away. Unfortunately, lions are fast and fierce animals and when one of the lions snapped her paws on him, Ndiwane sustained injuries to his buttocks.
The ranger fired his gun into the air to scare the lions off and rushed the prophet to the hospital, where he underwent emergency surgery to ensure he didn’t lose most of his buttocks.
“I do not know what came over me,” Ndiwane confessed. “I thought the Lord wanted to use me to show his power over animals. Is it not we were given dominion over all creatures of the earth.” He was eventually stitched up and discharged after spending the night in hospital.
carlos21
KING OF REP
Thanks mate I wish I could stay up all night.
SpurtingLesbian
Ken Dodd Nagasaki
you off to bed?
Oh well, night mate, have a good kip so you'll be ready for action tomorrow
carlos21
KING OF REP
What you favourite food mate,
carlos21
KING OF REP
You going to bed.
SpurtingLesbian
Ken Dodd Nagasaki
http://www.bbc.co.uk/news/uk-england-london-35749269
Cow urine sold alongside food in London shops
By Sejal AsarBBC Asian Network
Bottles found in shops were labelled in Hindi as being "for religious purposes"Cow urine is being sold alongside food in convenience stores in London against environmental health advice, the BBC's Asian Network has found.
The liquid is used by worshippers in some Hindu ceremonies - although it is illegal to sell for human consumption in England.
Known as gau mutra, it was found in several shops which also sold food.
The Chartered Institute of Environmental Health warned against its sale where food was present.
All the bottles found by the BBC had a label in Hindi which said they contained cow urine intended "for religious purposes".
'Buyer's choice'
In one shop urine bottles were displayed under a shelf of naan bread.
One worker in a shop in Greenwich said: "Hindus come in to buy it for religious reasons, if a baby is born it may be used during a religious ceremony in the house for good luck."
A Hare Krishna temple in Watford, Bhaktivedanta Manor, has a dairy farm which also produces the urine for worshippers.
Managing director Gauri Das said the temple had been selling cow urine since the early seventies.
"There has been a demand from the South Asian background. They use it for puja's [religious ritual], medicinal purposes or even cleaning in order to purify things," he said.
"I don't sell it [the urine] for human consumption.
"It is down to the worshipper to do what they want with it."
A Foods Standards Agency (FSA) spokesperson said although it is illegal to sell the urine for human consumption, when applied externally it would not be considered food - although it could be subject to other legislation.
"If cow urine is on sale for human consumption, the business must be able to prove it is safe," the Chartered Institute of Environmental Health said.
"If the business cannot prove the product is safe then it must not be on sale.
"We would strongly advise not to sell cow urine where food is present."
A Greenwich Borough Council spokesperson said: "Non-food products of animal origin are strictly regulated to prevent consumers from being exposed to harmful diseases.
"We are not aware of any particular premises in the borough where this product is on sale but will investigate immediately upon receipt of further information."
Cow urine sold alongside food in London shops
By Sejal AsarBBC Asian Network
- 10 March 2016
Bottles found in shops were labelled in Hindi as being "for religious purposes"
The liquid is used by worshippers in some Hindu ceremonies - although it is illegal to sell for human consumption in England.
Known as gau mutra, it was found in several shops which also sold food.
The Chartered Institute of Environmental Health warned against its sale where food was present.
All the bottles found by the BBC had a label in Hindi which said they contained cow urine intended "for religious purposes".
'Buyer's choice'
In one shop urine bottles were displayed under a shelf of naan bread.
One worker in a shop in Greenwich said: "Hindus come in to buy it for religious reasons, if a baby is born it may be used during a religious ceremony in the house for good luck."
A Hare Krishna temple in Watford, Bhaktivedanta Manor, has a dairy farm which also produces the urine for worshippers.
Managing director Gauri Das said the temple had been selling cow urine since the early seventies.
"There has been a demand from the South Asian background. They use it for puja's [religious ritual], medicinal purposes or even cleaning in order to purify things," he said.
"I don't sell it [the urine] for human consumption.
"It is down to the worshipper to do what they want with it."
A Foods Standards Agency (FSA) spokesperson said although it is illegal to sell the urine for human consumption, when applied externally it would not be considered food - although it could be subject to other legislation.
"If cow urine is on sale for human consumption, the business must be able to prove it is safe," the Chartered Institute of Environmental Health said.
"If the business cannot prove the product is safe then it must not be on sale.
"We would strongly advise not to sell cow urine where food is present."
A Greenwich Borough Council spokesperson said: "Non-food products of animal origin are strictly regulated to prevent consumers from being exposed to harmful diseases.
"We are not aware of any particular premises in the borough where this product is on sale but will investigate immediately upon receipt of further information."
SpurtingLesbian
Ken Dodd Nagasaki
perhaps soon mate, only got an hour and a half last night. :-(
carlos21
KING OF REP
Do you stay in bed do you come on here.
- Status