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Category: Money Scams

Maxis Wireless Broadband Sucks!

Wednesday, September 10th, 2008

Maxis Wireless Broadband USB Modem
I signed up for the package on a fateful afternoon back in February 2008. The package was RM 178 per month. Since it came with a HP Laptop, I am suppose to be tied to the package for the next 24 months, which comes to RM 4,272. Thus far, from February to September, I have paid RM 1,246 for this sub-standard product.

I’ve officially discontinued my Maxis wireless broadband on 9th Sep 2008.

There’s only one reason why I would want to pay for a wireless broadband service- mobility. Since I am always running around, I need internet access on-the-go. Yes, before I subscribed to the broadband service, I have to ensure that my appointments are made at a place with wifi connections, or at least “close to a Starbucks”. You also get to learn which Mc Donald’s are run by stingy managers. You also know which Old Town branch has got broadband but provides no power outlet, which is a very obvious message that customers with laptops are not welcomed (hint: Aman Suria). So, I thought by having a wireless broadband package, I could end the Hunt for Wifi Zones once and for all.

Let’s look at what they’ve quoted on their website on Minimum Contract Period:

We believe in giving you the best assurance when you use our service. As such, we are providing a seven (7) days cooling-off period. This allows you to test whether you like the service and whether the indoor coverage in your specific area is adequate to deliver the speeds you expect. During this 7-day period, you can discontinue our Maxis Wireless Broadband Service without any handling fee. Simply return the modem and telephone set (if applicable) in good working condition in its original packaging to our Maxis Centres (KLANG VALLEY: KLCC, Sunway, Taman Tun Dr Ismail, Cheras, Selayang, Pavilion, Berjaya Times Square PENANG: Northam, Bayan Baru, Prai JOHOR BAHRU: JB Kotaraya, Taman Molek).

For full clause of their no minimum contract period, check here.

When I first signed up, of course there was no such clause. This must have come up to reduce the number of complaints. 7 days to test out the connection is actually too short. Why? Since you need mobility, you definitely need to test out the connectivity in a few destinations. Unless you can cover many places that you are most likely to travel to in these 7 days, then having this 7 days cooling period is as good as nothing. So, to really exercise your cooling-off period rights, make sure you schedule a cross-border trip across the country the moment they pass you the tampon.

Also, after the 7-days period, the no minimum contract period is as good as USELESS. That’s because you would still need to pay a hefty fine of RM200 for handling fees if you are to stop using the service in less than a year. RM200 for handling what? That’s literally daylight robbery. So, why didn’t I stayed on for another 4 months to qualify for the handling fee waiver, which would mean that Maxis will absorb the RM200 handling fee? Maxis has provided me a service I could barely use, and I don’t see that changing in the next 4 months. If I am still subscribed to the service, I would continue to fork out RM712 for a useless device. So, which is the lesser evil? The RM200 pickpocket or the RM712 robber wielding a parang? You might want to help Ananda Krishnan do the maths.

I happened to extensively travel between Kuala Lumpur, Melaka and Johor. The quality of connection in Kuala Lumpur is still alright. The speed is fine, but the amount of times being dropped out during a connection is considerably high, say once in about half an hour. Even if you are not dropped out, chances are the downloading will just come to a stop, whereby you need to restart the connection again. Well, that’s in Klang Valley.

Now, let’s drive 180 kilometres south to the Historical City of Melaka. Over here, the symptoms are quite consistent in the past 6 months: the device will indicate it’s connected at 3G or EDGE, but essentially nothing comes through. Yes, you’ll be loading pages and pages of “Connection Time Out”, and if you are lucky, the Maxis broadband homepage loads.

And let’s go all the way down south another 120 kilometres to a small town called Kluang. It’s small, but the population is rather civilized and the 250,000 residents living here also deserve decent wireless broadband connection. Unfortunately, Maxis doesn’t think so. Hence, you are being served GPRS if you are really lucky and most of the time, it’s just 53.68Kbps, which is almost the same speed as your normal dial-up connection. Only, all these speed are just “lip service”. Like in Melaka, you don’t get any data while you “stay connected”.

I remember very well on the day as I was enthusiastically signing up for the broadband service, the Maxis Wireless Broadband representative was explaining to me how they are going to extend their coverage in time to come, and how the broadband connection works. Basically, the device will detect the connection speed that is available in the area, and if you look at the chart below, the slowest connection that the device can fall back on is dial-up.

Maxis Speed of Service is on Best Effort Basis

This essentially means that I still get to connect at dial up speed in the worst possible scenario. However, they’ve never told me that even though you might be connected, there’s no assurance that the data will be received by the device.

Now, their favorite tag line is this: Speed of service is on best effort basis.

Ouch…whatever happened to consumer rights? Does that mean we get a discount from you if your package is performing below acceptable quality? That’s certainly not in my case. I have to pay in full every month even though I make complaints to them on a monthly basis, even when I am having problems downloading a decent web page. Just because you have that “best effort basis” clause, you can just tell all customers who are facing problems with your service, “What did I tell you? Stop whining, we are doing our best.” Is that the BEST Maxis can do?

Alas, this is my personal experience. I am not sure if there are any Maxis wireless broadband users who are having the same problems which I’ve had. If you do, please share it here. Also, there could be Maxis wireless broadband users who might have had a good experience, please share it here too.

To add to the challenge of unsubscribing, I asked the Customer Service dude what’s going to happen to my Laptop that came with the joint-promotion. He just gave me blank look and tell me to contact HP myself. So much for joint-promotion, it looks more like a joint-extortion.

I have heard good stories from many friends who are using CELCOM’s wireless broadband, which is essentially using the same HUAWEI E220 technology for the device. I have not used it myself, but if I am going to subscribe another broadband services in the future, I will definitely give CELCOM’s package a try.

To conclude my adventure, here’s another look at one of Maxis Wireless Broadband propaganda. They are quite smart to use all these “wild, jungle, animal” themes to sub consciously drill into our heads that you can go into the wild jungle like Indiana Jones and still able to work and surf the net with their service.

Maxis Wild Live Blogging with Tampons

All I can say is that you shouldn’t sign up with Maxis wireless broadband if you need mobility. Period.

I am not alone in my quest to bring up the injustice that Maxis is practicing on their customers and ex-customers:

http://titoki.blogspot.com/2008/09/fuck-u-stimx-fuck-u-maxis-bb-fuck-you.html
http://crizlai.blogspot.com/2008/05/maxis-wireless-broadband-unreliable.html
http://www.planetmy.com/blog/maxis-broadband/
http://nccc.org.my/index.php?option=com_content&task=view&id=820&Itemid=99999999
http://www.consumer.com.my/message/index.php?itemid=1620

Don’t think twice when you are choosing your next wireless broadband package. In fact, don’t even think at all. No amount of perks or up front promotion will make it up for the distressing experience once you sign up with Maxis. You’ve been warned!

IncomeAutomatik2u.com

Wednesday, September 3rd, 2008

Warning: Buyer Beware!

What you are about to read below is my preliminary assessment of a possible internet scam. Yes, scams usually try very hard to convince you that’s it’s not a scam, with mottos going “I Believe”, “Trust Me!”, “You can count on it” and of course, publishing tonnes of “visual evidence”. All the while tells you nothing about what the scam really does.

I got this unsolicited email from the following sender: puterareza8080@yahoo.com.my

Italics are my translation.

Apa khabar ?
What’s up?

Mohd Nizam dari http://www.incomeautomatik2u.com
Mohd Nizam from http://www.incomeautomatik2u.com

Dalam masa beberapa saat lagi, saya akan dedahkan kepada anda:
In the next few seconds, I will reveal to you:

[X] Bagaimana saya menjana RM35,956.40 dalam 30 hari!
How I generated RM35,956.40 in 30 days!

[X] Rahsia dalaman membina 25,000 list (opt in) dalam masa singkat!
Secrets in building 25,000 list (opt in) in the shortest time!

[X] Bagaimana menukarkan RM100 kepada RM500 dengan teknik rahsia Ini!
How you can turn RM100 into RM500 with this secret technique!

[X] Strategi yang saya gunakan untuk menjana RM250,000 dalam masa 24 bulan!
The strategy I used to generate RM250,000 in 24 months

[X] Bagaimana anda boleh mempunyai laman web sendiri yang buat duit 24 jam sehari, walaupun anda tidak tahu komputer langsung!
How you can have your own website that generates money 24 hours a day, even if you are totally computer illiterate!

Jangan berlengah, anda boleh download PERCUMA sekarang
Stop hesitating, you can download free now

–> http://www.incomeautomatik2u.com

Jumpa anda disana.
See you there.

Demi Kejayaan Anda,
For your success,

Mohd Nizam

Okie, let’s plug in our Scam Detector and start analyzing this email’s real intention and motives.

Scam #1 Detected: It sounds too good to be true. Yes, that’s the first thing that gives away all the scams under the sun. If you tell me I can earn RM 300 in 30 days, I might still read on. But you are now telling me I can earn RM35,956.40 in 30 days, you are telling me that all the CEOs in Malaysia are idiots.

Scam #2 Detected: There’s no value proposition at all in the whole email. Nothing about what you really do. It’s like someone who brings you to a shop without any signboards and tells you that you can become a millionaire once you invest money in the shop. You did not mention who’s RM35,956.40 am I making from, and where did you generate that RM250,000 in 2 years. Out of thin air! Smelly fishy!

Scam #3 Detected: Let’s get really rich! So what do I got to do now? What?! I don’t have to do anything? Oh…just have to spam as many people out there as I can. That’s easy, just sit down and “goyang kaki” (shake leg, a standard figure of speech by Malaysians which means idling), and the people whom I have “spammed” and “recruited” will automatically sponsor my income. So easy that’s is sounds exactly like a ponzi!

And here comes the most effective, mother of all scam detector, where no scams in history has managed to bypasss without being burn and toasted into ashes…

The “No-Free-Lunch” Scam Detector. Yes, you don’t have to do anything and the money will come in. There’s only receiving and no giving.

This site: www.incomeautomatik2u.com has proven positive in all cases of my Scam Detection Test.

Before I release further evidences, I still give the webmaster the benefit of doubts. There might be something I am missing here, but all the facts and figures I have now is enough for me to label this scheme a ponzi. Please prove me wrong.

ALPDS: Credit Card and Debt Counselling

Wednesday, May 28th, 2008

Our 2nd participant comes from an Ah Long specializing in Credit Card and Debt Consolidation & Management.

Ah Long Credit Card and Debt Counseling

Solve Your Credit Card Debt

We help you in applying for credit card and personal loan.

We also help you to reduce your monthly loan interest and also teach you how to reduce your monthly credit card interest.

We can help you to shorten your unclearable debt duration.

Again, I do not recommend nor encourage you to call these numbers. If you are seriously in need of debts counselling, please make an appointment with the Credit Counselling and Debt Management Agency (CCDMA). The CCDMA is an agency setup by Bank Negara and they provide free consultation and financial education to the public.

Ah Long Poster Design Series

Wednesday, May 28th, 2008

The new era of personal finance consultancy in Malaysia has arrived, and they have created greater and longer-lasting impacts on every Malaysian’s life. Their marketing is so good, that even CIMB billboards and TV ads are put to shame. TNB street lamps, shop lot pillars and walls, even your car wipers and door knobs are not spared.

I am proud to present the Ah Long Poster Design Series.

In this series, I’ll be presenting the most creative artworks that are produced by various Ah Long consultants, and with translations included ;-)

Let’s begin with our first entry:

Ah Long Poster

“Borrow One Thousand, Take Nine Hundred

Please Call Hotline
016-9799 887
016-9799 330

Information are kept strictly confidential.”

Please read disclaimer, and you are calling those numbers at your own risk.

Malaysia Biggest Money Laundering Scheme

Monday, May 12th, 2008

Hypothetically…

Imagine, you’ve been running the Organisation for 50 years, together with your board of directors. In the meeting, you’ve been calling the shots, signing the cheques and throwing the boardroom parties.

Suddenly, there was a knock on the door. Of course, in the midst of the celebrations, it was easily dismissible as your annoying secretary. Then the knock got louder and louder, and finally a “BANG!”. The door was forced open with a sledgehammer and in came a few man dressed like Will Smith in Men in Black.

They proceed to read you a few statements that immediately caused you to piss right in your pants.

He reads, “The Organisation is now no longer 100% yours. In fact we have been trying to tell you that a long time back, but the music in this room is too loud for us to get anything through. Hence, we’ve no choice but to use a little force. As from today onwards, the minority stakeholders have all jointly voted in a new board of directors, which you will now co-operate with to run this Organisation.

Oh yah, by the way, they’ll be starting work tomorrow morning.”

Once he finished the statement and walked out, you freaked out gasped in disbelief. Few hours later, as reality kicks in, you decided that there’s no way the new board of directors is going to just take away everything you have built in the last 5 decades. No, you are not going to make it easy for them. In fact, you’ll make them suffer to have even thought of trying to overthrow you.

You began with shredding all important documents and the “skeletons”. Next, you sit down with your like-minded directors and figure out various strategies to transfer out as much money as you possibly can from the Organisation’s vault.

On the next day, when the new board of directors reports in, you begin by distracting them with various minor issues that would keep them busy for the next few months.

Of course, being stuck with so many issues at hand and pressures from the public stakeholders, the new board of directors must look like they are working for everyone. You are happy that they took the bait so easily. And everything is running on smoothly now. And it will be too late before the stakeholders realizes anything- that the money in the vault is already empty.

Story inspired by Shadow Fox’s “National Treasury Siphoning”.

MLM Disturbing Truths

Tuesday, March 18th, 2008

A friend forwarded me this link.

www.mlm-thetruth.com

The website also contained a quiz that allows you to check if the “Business Plan” is legitimate or if it’s a pyramid scheme in disguise.

From what I gather after going through the website, if it’s a plan that requires heavy recruiting and where most of its activities are based on recruiting new members, it’s very likely a pyramid scheme.

MLM, is it trick or treat?

You be the judge…

End of SwissCash Scam?

Friday, September 28th, 2007

Swiss Mutual Fund Scam

Finally, the buck of one of the most prevalent online scam (using investment trust fund as a disguise) stops here…

The Securities Commission (SC) obtained a court order yesterday to retrieve RM35mil in SwissCash money held in 14 overseas banks and have it sent back here.

After the money is transferred to Malaysia, it would be frozen pending the outcome of a civil suit brought by the SC against Amir Hassan, Albert Lee Kee Sien, Kelvin Choo Mun Hoe, Dynamic Revolution Sdn Bhd, Swiss Mutal Fund (1948) S.A. SMF International Limited and SMF (1948) International Limited, the SC said in a statement.

Swisscash is a worldwide online investment scheme that promises high returns. It is illegal in Malaysia and the SC has described it as a scam.

Source: The Star Online

If you are looking for the small business loan for launching a small or medium business, you can get all the information over the internet. There are many websites which offer complete information along with the tools like auto loan calculator to calculate the financials. You can get the information of banking loans there terms and condition as well. You can find out either this is a secured or unsecured loan. Loans like credit union loan come with no hidden charges and no penalties for repaying the loan early. Many banks like pnc bank provide loans for small businesses and students as well.

Wikipedia on Swiss Mutual Fund

Monday, September 3rd, 2007

Exactly one year ago, Meshio.Com did a little coverage on this notorious Swiss Mutual Fund scam.

Today, Wikipedia points us to something that truly resonates with the culture of getting rich quick here in Malaysia.

There have been allegations that the Swiss Mutual Fund is a Pyramid Scheme, with victims predominantly in Malaysia. The Central Bank of Malaysia has issued warnings regarding Swiss Mutual Fund’s legitimacy, and have advised investors to avoid the company and its subsidiaries. The Monetary Authority of Singapore has placed Swiss Mutual Fund in their Investor Alert List.

Source: Wikepedia

And TodayOnline shares with us how much these scammers made from the gullibles…

In Malaysia, about 40 investors are believed to have fallen prey to the scam. According to reports, eight men are helping police in their investigations into alleged cheating of about RM20 million ($8.7 million) through the Swiss Cash fund, in October last year.

Source: Today Online

It’s probably just another sign that there’s too much “liquidity” going around :-P

Another 2 Scam Sites Blocked

Sunday, June 24th, 2007


Well, I am not really anti-censorship or pro-censorship, but the fact that there are so many gulls in Malaysia does not really help things and it’s only timely that SC steps into the fray to clean up the mess.

It seems that they’ve identified yet another 16 scam sites. I wouldn’t call them Illegal Investment sites, since these scams are not even investments, but scams or ponzis covered up with investment “terms”.

You really can’t blame the authorities to take such drastic actions, and it’s going to take a very, very long time for the education to sink into the naive investors’ mindsets that there’s no such things as FREE lunch…

I’ve even heard of friends tellling me how they can make 30% return on their investment in a single day. Come on, who are you kidding?

So far, the following sites have been blocked:

www.danafutures.com

www.planet.time.net.my/KLCC/danafuture

www.abfund.com or www.abfund.us

www.cf-dventure.com

www.swedenfund.com

www.ue-bond.com

www.esuissefund.com

www.ef-mf.com.pa

www.ecashfinance.com

For more information on the scam sites update, you can check out the Securities Commission website at: www.sc.com.my

Securities Commission Investor Alert List

Thursday, April 5th, 2007

logo_sc.gifThanks to reader Chong who picked up a very interesting link.

Investor Alert List

So, before putting your money down in any investment schemes, you are advised to check them against the list our SC has already announced as scams.