SCAM 2 : THE F**KING NAZA KIA INSURANCE AGENT

I am pissed like hell.

Back in December last year I bought a new car from Naza KIA. Since it was at an offer price, I have to buy the insurance from the appointed company, which is a subsidiary of Naza itself. I thought everything is okay and taken care off. An open cover note for the car insurance was given to me by the insurance agent dated 18 December 2006. The company which covered my car is Kurnia. I tried to get discounts for my NCB (No Claim Benefit) from my old car but was promised that in two weeks they will sent a cheque for the difference.

5 months had passed.

Last week, I contacted my bank to enquire about the my car insurance policy and was told that they did not received any. I then called Kurnia and to my surprised my car registration number is not in their system.

I suspected something was wrong and asked about how the system works from a friend of mine who is also an insurance agent. He told me that the insurance agent (in this case the Naza KIA subsidiary) have to pay money to Kurnia first and only then Kurnia will sent in my policy. He also told me that since insurance agent will only earn 10% from the insurance they sell, what they will do is to book an insurance policy with Insurance Company and instead of immediately paying the company, they will hold the money with them and keep it with them first. This is a calculated act and the insurance agent hopes that the car buyer will forget about it since if the buyer claimed NCB, it means the insurance agent will get less. For example, my car insurance (first party) is about RM 2,000.00 plus. If I claimed NCB I just have to pay about RM 900.00. I dont remember exactly the percentage, but the bottom line I will pay less with the NCB and because of that the insurance agent will earn less too. 10% of RM 900.00 instead of 10% of 2,000.00. And usually they'll keep the money and will wait until the last moment of the stipulated expiry date before proceeding to pay Insurance Company what they owed.

Armed with this information, I called FS Trading in Ampang, the company which I bought my car from. I asked about my insurance policy and told them I contacted Kurnia, and my car registration is not in the system. I warned them if by Monday 28 my car is still not in Kurnia's system, I will make a police report and literally yelled at the lady, "I will f**k you in the ass". (Not that I like ass that much, its more a figure of speech, okay).

I didnt do anything until today. I called Kurnia HQ to lodge a complain. They passed me to a lady, Miss Rashidah in the policy department. I gave my car registration number and LO AND BEHOLD its in the system. I asked her when the policy was registered and she told me it was on Monday, May 28th! I then proceed to interview her. I asked her what the f**k is wrong with Naza KIA,its insurance subsidiary and Kurnia. She explained that since it was a promotion, the insurance agent only managed to send their cheques on Monday. I cut her off and told her how convenience it was for them (the insurance agent) to find time and pay the money for my car insurance first out of thousands of cars that was sold during the last 5 months periods. And the fact that it was paid right after I told FS Trading I will report this matter. I asked her on how long it will usually take to issue an insurance policy of a new car from the day its registered with JPJ. She told me it takes only about 2 weeks. I then sarcastically remarks, "Hmm..... then how come my car took 5 long months and the fact that if I didnt take the initiative, it still wont be in Kurnia's system". She just fumbled with her answers.

She offered to post my car insurance policy to my house and faxed the copy to me. I thanked her and told her that I will still report this matter to the police.

BTW, I received the fax copy of my car insurance policy in one hour's time. Oh well, thank you f**king much motherf**ker.

I will still go to the police station tomorrow.

SCAMS

THE ANTI MOSQUITOES SQUAD

I was washing my car when a man, in his early twenties approached me. Looked up and studied him. He has an ID tag hanging of his pocket, white "office look" shirt and black "office look pants". No neckties. Carrying a folder of some sort. Damned! I thought. A salesman. What now?

The office look guy : "Encik, I am from company so and so, and we have been contracted to spray anti mosquito chemical here in this area".

Akula : "Yeah, so?"

The office look guy : " The cost is RM 30.00. Its compulsory. Its to kill mosquitoes"

I said nothing at first, and observed the other houses in my row. I know there are at least 3 or 4 houses which is vacant.

Akula : "Tell me, what about those empty houses, will you spray there too?"

The office look guy : "Of course not, nobody there to pay and I am sorry to say, if you dont pay, we wont do your house either" With a bored face.

Akula : "And this is to kill mosquitoes, right?"

The office look guy : "Of course, I 've told you that before". He's getting irritated.

Akula : "Ok , let me see the letter from the Municipality saying you have been contracted to do this."

The office look guy:"We dont have any such letter, but your house must be sprayed."

Akula : "It doesnt matter anyway, if I pay you, mosquitoes will still breed in those empty houses area."

I fixed my eyes, glaring at his face and in a slow, clear voice, I explained to him like I would to a 7 year old.

Akula : "You see, mosquitoes breed where ever they want. They dont need to know if I paid for your service and they won't go around knocking people's door asking questions. They will not say, show me the receipts so that we won't lay eggs at your house. Further more, I can just spray Ridsects or Shelltox in my house. Which one do you reccommend?"

The office look guy doesn't say anything else and walk away.

THE CREDIT CARD VERIFIER

I just received my new credit card.

Ring, ring. (Well, not exactly, my handphone plays Sanitarium - Metallica when it rings). Hmm..private number.

Akula : "Yep, Hellowp!"

The sweet voice lady : "Sir, are you Mr. Akula?"

Akula : "Yeah, who's asking"

The sweet voice lady: "I am from a credit card verification company and we wish to ask you to verify a credit card you recently received. I have your credit card number here with me but can you recite it to me to make sure it matched with what I have. I also need to match the last 3 digits at the back of you credit card."

I noticed that she did not mention her name.

Akula : "No I cannot do that."

The sweet voice lady : "Its really important Mr. Akula. Otherwise you cannot use your credit card."

Akula : "Sorry babe, BTW, I just want to make sure, you know, I just move back here from overseas. I dont know how you do things like this over here . Do you have a credit card?"

The sweet voice lady: "Sure, I have one"

Akula: "Did you go through the same process? Unkown people call you to verify and you gave your credit card number"

The sweet voice lady : "Of course I did that". Sense a proud-I-am-smart tone in her voice.

Akula : "Then you must be so f***king stupid. You bitch!"

She hang up on me.

I still sprayed Ridsects (sorry Shelltox) in my house. No Denggi outbreak yet in my area.

And I have no problem at all whenever I use my credit card.