Payment receipt sample letter

Private sale

2024.05.17 12:02 RJJthreeeyeeyeeye Private sale

Buying a private car and the guy split from his wife.
How do I make sure I am actually buying his car? Take ID I guess and check it against the V5C.
If the V5C says his name, and it’s his ID am I good to go?
Also how do I ensure proof of payment? Just get a receipt signed?
New to private sales - advice appreciated
submitted by RJJthreeeyeeyeeye to CarTalkUK [link] [comments]


2024.05.17 11:56 dxrshy Raising Awareness - Vinted Scams

I’m not sure if this has been spoken about already, but it’s doing my head in and I need to do something about it. There are scammers all over Vinted, we all know that, but I want to educate people on what the scammer’s accounts look like and how they actually achieve the scam.
Firstly, what do the accounts look like, these are the 5 things I use and you can use to tell if the account is dodgy:
Username: Usually a name with random numbers and letters intertwined, such as j0hnathan43z0 (not a real user name)
Price: Tends to include pennies such as £48.50 or £18.75, not very common for a legit seller to use pennies, so when they do, pls check their account.
Reviews/Followers: Almost always they will have 0 followers and 0 reviews.
Photos: Poor quality photos that are clearly cropped, and sometimes have a distorted/barcode-like pattern along one of the edges of the image
Wardrobe: Usually consists of completely random items, with very good prices. Check the background in the image of each item, are they similar? Or do they look like they are taken in what’s clearly a different household for instance.
How does the scam actually work you may be wondering… well:
What they do, is they list an item, using images stolen from an old sales listing from Vinted, eBay etc. The item will be very well priced. (Most of these scam listings are posted in the evening, at around 9pm onwards, however you may notice them popping up all day)
A person will be attracted by this price, and no doubt they will buy the item.
At checkout, you will notice the only courier option is Royal Mail. Why is this? Royal Mail is the only courier on Vinted that isn’t a tracked service, it’s only 2nd class, and because of this, you have to send a proof of postage receipt to the buyer as an image, hence the “Here’s the postage receipt”… message that shows when the seller has sent you said receipt.
The scamming seller will activate this message, in doing so, the Vinted software will update the buyer telling them that their item has been sent. However the buyer won’t upload an image of the postage receipt. (Some time after this, usually an hour or so, the seller will delete their account, I’m not sure how this bit helps the scammer in any way, but they often do this).
If a parcel goes missing on Vinted, Vinted will refund both the buyer AND the seller regardless. Services like InPost and Evri can be tracked and used to prove if the parcel has been delivered or not. Royal Mail 2nd class on the other hand cannot be tracked. So Vinted assume the parcel is lost and eventually refund both parties.
What Vinted fail to do however, is check the transaction for a proof of postage receipt. Checking if the seller actually sent the item off and can prove it, would allow the seller to be rightly refunded or not (the buyer will be refunded regardless). This is bad on Vinted part obviously, because Vinted are paying out scammers for absolutely nothing.
I can’t believe they are getting away with it and it has to stop, because people are paying good money for items that never arrive, and are then out of pocket for 3ish weeks before they are refunded. I hope this post helps the community and raises awareness.
Thanks for reading and stay safe on this marketplace.
If it’s too good to be true, it usually is!
submitted by dxrshy to Scams [link] [comments]


2024.05.17 11:54 hereiam58 Available - Textbook of Radiographic Positioning and Related Anatomy, 11th Edition - Authors - John Lampignano, Leslie E. Kendrick - ISBN - 032393613X 9780323936132

I have this book available immediately in searchable converted pdf form and original publisher epub for $7.
https://drive.google.com/file/d/1FzacQXU0NpGgp8HFLIWV6VwS_0IDwMgl/view?usp=sharing
I offer a book-finding service for $7 for the first book and $3 for each additional book in the same transaction, as long as I have them, so if there are any others, I will do them cheaply if I can find them Upon your agreement that you will pay the $7, I will create a sample that includes the cover up to the first page of chapter 1, and then pages 100, 200, 300, 400, and 500. You can then pay via PayPal, Venmo, Cash App, Wise, or debit/credit card.
Upon payment, I will provide you with the book in a permanent Google Drive folder.
Just contact me if interested.
submitted by hereiam58 to Textbooks_for_CHEAP [link] [comments]


2024.05.17 11:45 Zuvion Quit job(worked for 8 months) without notice, employer has taken my wages and not paid me at all [UK]

Hey LegalAdviceUK,
The situation is that I worked for the Post Office. On the 18th of April, I decided to resign and I was unable to do notice. I've been threatened with having 4 weeks' worth of wages deducted from my pay as that's what the contract outlines, and the 'time that it takes for them to find a replacement'. Here is what the contract states:
'If you leave without giving the proper period of notice or leave during your notice period without permission. The Employer shall be entitled, as a result of your agreement to the terms of this contract, to deduct a day's pay for each day not worked during the notice and any sum so deducted will be in full and final settlement of The Employer's claim for your breach of contract. The deduction may be made from any final payment of salary which The Employer may be due to make to you. The amount deducted is a genuine attempt by The Employer to asses its loss as a result of your leaving without notice. It is not intended to act as a penalty upon termination.'
'The length of notice which either party is obliged to give the other to terminate, your employment is mandatory four weeks' notice period is required in all circumstances, failure to do so and leaving without notice period will incure in deduction of cost to employ external staff to cover that notice period.In extreme cases we might terminate your employment if we consider it deemed in business interest'
I've asked my manager to clarify if it meant that I'd be losing the previous 4 weeks' pay. She proceeded to block me. My area manager soon talked to me about the situation, and after discussing things, I just said I'd resign. She confirmed that it just meant that I wouldn't be paid for the 4 weeks' notice since I won't be working that and I would get my pay, before proceeding to block me. I've sent emails to try and discuss things with my boss, but he's refused to contact me, nor give me a payslip to show where the deductions have been taken.
On the day that my pay comes, the 1st of every month, I noticed that I had nothing come for me. After another email, to which I wasn't given a reply, I talked to ACAS to start early conciliation, they talked with my boss, and he replied that he is firm on the contract and refusing to pay me at all. Finally after talking directly face-to-face with my manager, she talked to my boss and said that I would have a letter coming for this. This was on the 6th of May, though, and I've had nothing arrive since then.
After talking to some friends, they said that while he can take deductions from my pay, he must still pay me for the hours that I have worked, and afterwards in a claims court, take the money back while providing proof rather than retroactively pretending that there was costs. I have talked to my previous coworkers and had them send out the work rota to me, showing that he has not hired anyone at all during my 4 week notice.
For context, I'm paid minimum wage and just want my 79 hours of work paid to me. To this day, I'm still waiting for my pay and I'm prepared to do an Employment Tribunal but I'm unsure of the steps or if I'm able to sort this out without resorting to that, is there anything that I can do concerning this?
submitted by Zuvion to LegalAdviceUK [link] [comments]


2024.05.17 11:45 Itchy-Suggestion1507 UK Visa Refused

  1. Biometric Appointment: 22 April 2024
  2. Request for Additional Documents: Received email on 29 April 2024 asking for proof that my partner and I met in person (RWP 6.1) and that our relationship is genuine (RWP 6.2).
  3. Submitted Wedding Pictures: On 30 April 2024, I submitted our wedding pictures as proof. These pictures were of our couple shoot only and did not include any family members.
  4. Confirmation of Application Receipt: Received an email on 1 May 2024 confirming that my application had been received.
  5. Visa Refusal: On 17 May 2024, I received a refusal letter stating that I did not submit the required documents in response to the 29 April email. However, I did submit wedding pictures, videos, and invitation cards.
submitted by Itchy-Suggestion1507 to SpouseVisaUk [link] [comments]


2024.05.17 11:37 No-Incident6452 Unfair Negative Quitclaim? Please help me out.

Hi Reddit. First time posting here. I just want to know if anyone here has encountered a "negative amount on the quit claim" after resigning, or after not passing probationary. I feel cheated by my previous company.
For context, I wasn't regularized by the company because my KPI scores didn't make it, which I humbly accepted (end of April). The process was smooth and all. There's supposed to be a bond, but since it was the company that gave up on me, I don't have to pay them anything. I even got the latest salary.
Or so I thought.
I received an email from the company in regards to signing the quitclaim and another non-disclosure agreement. This is last night, as of typing this post. I was shocked when I found out that there was a negative amount on my quitclaim. (not the accurate amount, but it looks like -Xxxx.00 Php) I asked HR why, and they said that my last pay was given along with my latest salary. I wasn't informed about this, and they never gave me the receipt for my last pay. HR said it was their fault for not computing it properly... But I STILL need to pay. I do not have a job now (I'm applying left and right though, because I have a family to feed), and the rest of the money I have left is for the other house expenses, and possible expenses I need to spend during applications.
It felt unfair because if they needed to delay any payments for me to avoid discrepancies like this, I would have accepted, they just need to tell me. To make things worse, there's no written conversation since all of our conversations are done via call. I can't even access my payslip because they blocked my company email, the night after I wasn't regularized. I feel like reporting this to DOLE, but I do not have enough evidence, aside from the conversation we had in email.
I wanna know if there's any similar experience that happened to anyone here, may I know what happened and how you guys deal with it? I am at loss now. Please help me.
submitted by No-Incident6452 to Philippines [link] [comments]


2024.05.17 11:34 initishverma इंडिया पोस्ट पेमेंट बैंक अकाउंट बंद कैसे करें IPPB Account Close kaise Kare, Clouser Form, Charges

इंडिया पोस्ट पेमेंट बैंक अकाउंट बंद कैसे करें IPPB Account Close kaise Kare, Clouser Form, Charges submitted by initishverma to FinanceTalksIndia [link] [comments]


2024.05.17 11:30 DescriptionLivid1575 Kucoin froze my funds

On March 4, I received a letter that my withdrawal on the Kucoin platform was frozen! 12 479.08 usd!!!!!! It’s already May 17th and my problem is still not solved!! For almost 3 months, Kukoin support has been ignoring my request (3678510)!
2024-02-19 I had a warrant for p2p. The buyer opened an order with me for 1000 USD using the wise payment method, but in the order chat he asked me to give him a telegram ID! I wrote to him that he had made a mistake and asked him to cancel the order, he canceled it. But on May 4, I received a letter in the mail regarding this order that supposedly the order had been paid for, but the order was cancelled. They asked me to provide an extract, I showed them that I did not receive any money! That I didn’t even give this person my details for payment because he asked me for a telegram ID, but I don’t use this method! To prevent such false payments, I specifically do not indicate payment details in my payment method, but indicate that I will write details only in the chat! But I didn’t send them in the order chat!!! Support can check this, + I recorded a video confirmation for them! But they don’t care! That is, this person could not pay the order! He had no details for payment!!!! So tell me, dear support, how he could pay! ?Why have I been sitting without money for 3 months?! You froze a large amount of money for me because some fool decided to file a complaint for fun, and instead of looking into it, you do nothing, although this is your work. It turns out that I can choose any person, open an order for him, and then complain and you will also freeze the person’s withdrawal without analyzing the situation just like that, because someone was joking? Where is the logic in your campaign?! How do you still exist on the market as an exchange?! Finally sort out my case!!
submitted by DescriptionLivid1575 to kucoin [link] [comments]


2024.05.17 11:17 chifusumu [offer] virtual assistant...

Hey. I'm Mark, a highly qualified virtual assistant looking for work. I have experience in;
  1. Research
  2. Writing (Creative Writing, YT Scripts... and more)
  3. Graphic Design
  4. Social Media Management
  5. Video Editing
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And more...
Here is a link to some of my previous works.
Work Samples (Resume, Research & Writing Experience, Logos, and Social Media Posters)
Video Editing Experience (My YouTube Channel)
Let me know if you need my services. You can reach me at:
Discord: .ToxicChief
Telegram: @ chifusumu
Email: [m.arkgatuati@gmail.com](mailto:m.arkgatuati@gmail.com)
I charge a fair price of 4 USD/hr. We can explore other payment plans for tasks where hourly rates don't apply. Looking forward to hearing from you :)
submitted by chifusumu to slavelabour [link] [comments]


2024.05.17 11:01 Mindless_Donut8527 As a Malaysian freelancer on Upwork, what's the best way to transfer earnings from Upwork to a local bank account?

Last time I did a job for a client who transferred my fee directly to my bank account, I got notified by the bank that I had to provide an employment letter in case of money laundering (?). Obviously I don't have an employment letter on Upwork so would this be a potential problem? Also, would it be cheaper to transfer money from Upwork directly to, say, Maybank, or should I transfer to an payment app like Wise first, then the bank account? I assume there will be transfer fees for both.
Any Malaysians here, I'd love to get your advice!
submitted by Mindless_Donut8527 to Upwork [link] [comments]


2024.05.17 10:38 False-Bet-5652 application documents

hii! so nakareceive ako ng email from csb, im from batch 3 and i want to clarify lng if 5 documents lng ung ipapasa, which are:
clarify lng kasi wala parin akong nakukuha na approval email na natanggap na nila ung pinasa ko na email with the needed documents
submitted by False-Bet-5652 to Benilde [link] [comments]


2024.05.17 10:17 tareekpetareek Manpasand was an accounting fraud with beverages on the side

Manpasand was an accounting fraud with beverages on the side
Original Source: https://boringmoney.in/p/manpasand-an-accounting-fraud (my newsletter Boring Money. Do visit the original link and subscribe if you'd like to receive similar posts directly in your inbox)

Let’s say you’re a company that wants to commit an elaborate fraud. What is the most egregious fraud that you can think of?
Maybe let’s not start with egregious. Let’s start with something simple! Here’s something that’s reasonably common:
  1. Pay people to buy your product (or like give them huge discounts or whatever). Inflate your revenue. Lie about your actual customers.
  2. Hype your company up. Do an IPO, take your company public. Sell some of your own stock.
  3. Slowly try fixing your numbers. If you happen to succeed, that’s great! You win. If you don’t succeed, you still win? You’ve done your IPO and sold some stock. That’s a lot of money.
This is the simple kind of fraud, which also makes it difficult to identify. You might have to talk to the company’s customers, read the fine print in its disclosures, do sanity checks of its financials, that sort of stuff. It’s tough to catch the simple kind of fraud, which is also why so much of it exists in the form of whispers and rumours without ever getting proven.
Now let’s go egregious:
  1. Why pay people to buy your product? Hell, why even have a product? Just manifest in your imagination that there are hundreds of thousands of people buying whatever you’re selling and write it down.
  2. Hype your company up! Do an IPO, sell some stock. This part remains the same.
  3. Don’t bother fixing your numbers. Instead, keep publishing imaginary revenue figures. Keep selling stock to public investors. Publish your financials every quarter with whatever numbers you like.
If you do this, there’s only so far you can go. Eventually, your hype will attract attention and someone might figure out that both your customers and product were creative imagination.
Here’s a SEBI order from late in April about Manpasand Beverages. Manpasand used to be a beverages company based in Gujarat. In 2019 the company shut down because it got caught in a bunch of frauds. It’s only now that SEBI published the details of what was happening. Probably best summarised by fund manager Amit Mantri: [1]
https://preview.redd.it/o85shr8p3y0d1.jpg?width=603&format=pjpg&auto=webp&s=26ace208d28eae2bb2401449f9b1dcc6bd1eefd0

Fake it till you make it (or don’t)

Manpasand faked its revenue (of course). It also faked its expenses, customers, vendors, tax liabilities, etc. How did it get away with doing this stuff? I don’t know, someone’s gotta ask Deloitte. They were Manpasand’s auditor for eight years, resigning only in 2018. The company’s fraud came out officially in 2019—Deloitte, whose job was to make sure the books were right and also had access to all the inside information, figured that something was off only a year earlier!
Anyway, SEBI appointed its own auditor to figure out what was wrong with Manpasand’s accounts and the auditor came back with a bunch of stuff. [2]
Here’s the bit about Manpasand inflating its revenue. From SEBI’s order:
… CGST vide letter dated July 07, 2019, inter alia, informed that Manpasand had shown inflated sales figure in its balance sheet by way of receipt/ supply of fake invoices without actual receipt/ supply of goods. It was further informed in the said letter that Manpasand had floated 38 bogus/paper firms to inflate its turnover and that inward and outward transactions made with such bogus firms amount to Rs.188.48 Crore and Rs. 691.30 Crore, respectively.
Manpasand created 38 different companies and it both “sold” its products to those companies as well as “bought” stuff from some of them. Basically, Manpasand created real companies to play the role of its customers and vendors.
… it was observed that the parties with whom transactions amounting to Rs.29.84 Crore were entered into, were not registered for dealing in the said goods/products being manufactured by the Company. Further, there was non-receipt of sale considerations and debtors balance were adjusted by passing journal entries
Manpasand was a beverages company that was selling stuff to its customers. Traditionally a company like Manpasand might have distributors as customers but Manpasand’s customers were registered as something else entirely (I do wonder what, the order doesn’t mention it). These are fake customers that Manpasand created out of thin air. Establishing companies is quite a bit of effort! Why half-ass the part where you select the “business type”? I sort of understand though. I’ve done it too. Put so much effort into something that you’re bored by the end that you muck it up.
I’m kidding! The real reason is probably that Manpasand wouldn’t have actually created these fake companies itself. There would be a middleman who would have them made in advance, all ready to go whenever needed to do fraud.
Manpasand propped up its sales as well as its expenses by pretty much just funnelling money around from one entity to the other. In some instances, it wouldn’t even move real money around. It would just note down that it had to pay one company, and had to also collect payments from another company, and then cancel each other out. Manpasand was running its accounts on Splitwise.
In general, there is nothing wrong with a company having such set-off arrangements. If you know your creditor owes money to your debtor, sure, cancel those transactions out. But how likely is it that a company’s suppliers and distributors know each other? And transact with each other?
This post is public so feel free to share it.

All except death and taxes

If you’re planning to do some accounting fraud, here’s something to keep in mind. I mean, I’m not not recommending that you do fraud, but if you do have your mind made up I might as well pass this along. Fake your sales, that’s fine. Fake your expenses, that’s fine too. But don’t fake your taxes, those guys will come after you.
In 2019 right before Manpasand shut down, GST officials raided its offices and arrested the CEO, CFO and a director. If you think about it, one of the reasons Manpasand got away with its fraud for as long as it did was that its accounts looked reasonably realistic. Deloitte made sure of that! Manpasand didn’t just arbitrarily put in fake numbers, oh no. It showed transactions to back them up with actual companies.
But any sales or purchases bring with it a cute goods and services tax, and the GST folks don’t care all that much about the fact that your sales are real. They’d like their share anyway. And not the GST you owe them, but because of how GST works, they would also want the GST your vendors (and your vendors’ vendors) might owe them.
GST has this magical thing called “input tax credit” which is basically the GST council giving you magic points every time you pay GST as a customer. Say, you buy some glass to make some marbles. You pay GST when you buy that glass, and you get some magic points. When you sell your freshly manufactured marbles, you collect GST from your customers and can redeem those magic points which you got earlier to reduce the GST you actually pay. (This isn’t tax advice so don’t come after me if you mess up your taxes because of anything you read here.)
These points are nice because they help save tax. But a basic requirement to use these points is that the company you bought your glass from has to have paid their fair share of GST in the first place! You only get the points if they’ve paid their tax! In Manpasand’s case the vendors it was dealing with existed solely for the purpose of enabling accounting fraud. Of course they weren’t going to be paying any tax. And yet Manpasand was claiming the magic points and reducing the GST it paid. These fake magic points is how the GST people figured out that there was something very wrong happening.
If the GST raid hadn’t happened, would Manpasand have survived as a company? Absolutely not. But would it have survived longer than it did? Probably.

Roll over, it’s a takeover

Things have already been a bit bizarre but what follows next is absolutely basket case. Here’s a section of Manpasand’s response to SEBI. From SEBI’s order:
The Company is a victim of a pre-planned, fraudulent scheme and conspiracy perpetrated by Finquest Financial Solutions Pvt Ltd (FINQUEST) wherein under the garb of promise to provide working capital worth Rs.100 Crores, six documents were executed by and between MBL & FINQUEST. Within a span of two and a half months, it was clear that this entire so called transaction of providing working capital loan was nothing but a mere play to gain the entire control of MBL which is having asset base of around Rs.625 Crores…
Finquest is an NBFC that lent money to Manpasand right after the GST raid happened and its officials were all in jail. Manpasand is claiming that Finquest’s goal wasn’t to just lend to the company and earn an interest income out of it, but to take over the company itself. Manpasand claims that Finquest defrauded it and even calls whatever they did a “hostile takeover”.
Let’s humour this idea for a bit. If you’re a listed company worried about a hostile takeover, you’d look at who’s buying your stock. That’s the normal way for hostile takeovers to work. You wake up one day to realise that Elon owns 9% of your and immediately fall into a state of panic. If you don’t own enough of your company, Elon just might.
Another hostile takeover could be by a distressed debt investor. You may have taken a loan from some banks or whoever some time back. The banks would’ve sold your loans to outside investors. But then because you’re in tough times, the investors would want to rid themselves of your loans at a discount. This distressed debt is then caught by investors trained in the art of recovering dollars from pennies. If you can’t repay your loans to these guys, they would be more than happy to squeeze it out of you.
This is what happened with Byju’s US unit. But really, hostile takeovers aren’t common with distressed debt investors. They don’t want to run your company! They want their money back with some (a lot) of interest. [3]
Finquest lent to Manpasand, it didn’t buy its stock. So maybe this was the second kind of hostile takeover, the distressed debt kind? Well, here’s Abhishek Singh, then director of Manpasand in an interview with Business Today back in 2019:
Business Today: Dhirendra Singh [the CEO] has accused Finquest of a hostile takeover bid, while Finquest claims that it was always mentioned in the term-sheet that the company will be managed by a professional team until its money was parked with you. It will be nice to get your side of the story.
Singh: Whatever amount has been transferred by the Finquest in the bank account of MBL was done in the new account opened by FFSPL's representatives in the name of MBL. The control of this new bank account lies with FFSPL's representatives. FFSPL was allowed operational access to business of MBL and not financial access, as per the term sheet dated July 3, 2019.
…As per the term sheet dated July 3, 2019, FFSPL had right to nominate two directors on the Board of Directors of MBL, which shall constitute minimum one-third strength of the Board. Pursuant to this clause, FFSPL appointed three directors instead of two. The total strength of the board became six directors, one-third of this comes to two. Thus, one more director being a nominee of FFSPL was appointed.
… What? Manpasand borrowed money from Finquest but the bank account where the money came in was controlled by Finquest? And Finquest got “operational access” (whatever that means) as well as a third of Manpasand’s board seats? This isn’t a hostile takeover! It’s a lamblike takeover.
Honestly, I get it. Manpasand’s CEO and others were in jail. The company needed money. The only lender willing to lend to a shady company whose executives are in jail would be a shady lender. And that shady lender was Finquest—which, by the way, had done something similar before—but Manpasand took what it got.
If there’s a second “don’t do this if you’re doing fraud” lesson in this, it’s this. Don’t borrow from a loan shark!
Footnotes
[1] A nice factoid is that Amit Mantri was the first to point out that Manpasand was manipulating its numbers all the way back in 2016. They did some really good on-ground research!
[2] The auditor that SEBI assigned to do this, Chokshi & Chokshi, came back with 12 findings from Manpasand’s accounts. But I think I found a couple of mistakes? It wouldn’t in any way affect SEBI’s conclusion on Manpasand, but I find it funny that a story which is essentially about an auditor’s massive failure to do its job also has an auditor that probably wasn’t too careful themselves? I’ll probably write about this in a future post.
[3] A distressed debt investor would prefer to take over a company to be able to put it into bankruptcy so that it can sell the company’s assets and recover its money. That’s very different from what the kind of takeover that Elon did of Twitter.
Original Source: https://boringmoney.in/p/manpasand-an-accounting-fraud
submitted by tareekpetareek to IndianStreetBets [link] [comments]


2024.05.17 10:17 jerda81 Never EVER do a life insurance 3a pillar

For anyone still not clear with 3a Pillar scam of life insurances in Switzerland.. please DO NOT make my mistake and stay away from any life insurance contract. Better put your money in 3a accounts or investment funds such as VIAC.
My experience: in 2019 I subscribe a 3a Life Insurance contract with Helvetia, which is the insurance company I use for Responsabilité Civile, and (at the time) also car insurance. They propose me a monthly payment of 300.- CHF, with all the standard conditions. I sign, and the contract starts on 01.06.2019.
Fast forward to 2021, I decide 300.- a month was a bit much, since I was starting using VIAC and other funds, which were looking much more interesting. I ask them if possible to reduce the monthly prime from 300.- (3'600.- per year) to 100.- (1'200.- per year), so I could have more spare to invest in other accounts. They say yes, no problem, just send a letter. I do, and the contract is amended on 01.06.2021.
Fast forward to today, I am planning to buy an apartment with my wife. Of course I start inquiring all the various accounts to check my balance of private funds. Surprise surprise, the amount on Helvetia insurance 3a is strangely low. To remark that they never send automatically the account statements, or at least I have never received them before unless asked. I call and ask what happened. This is what they reply to me: "as per CGA, the previous contract has been released in 2021, so your current amount is the primes paid from 2021 to today".
I am puzzled. I've never asked such thing, and all the exchanges by email are clearly mentioning a modification of the contract, never ever was mentioned that the contract was being "closed". Also, the contract on their webpage "myHelvetia" still indicates a start in 2019. The guy on the phone says that effectively something is strange, but "as per CGA, the previous money is gone". STOLEN, I would say.
So now I am sitting on a loss of more than 5k CHF of the years 2019-2021, and they seem to blame the thing on me. Of course I'm contacting a lawyer (and if you know any good one around Lausanne, please PM me), but the story is: NEVER NEVER NEVER trust insurance companies, and especially Helvetia. NEVER put your retirement money in Life Insurance 3a. NEVER subscribe useless insurances. It's all a big scam, and the client is always the one to blame.
submitted by jerda81 to Switzerland [link] [comments]


2024.05.17 10:07 tareekpetareek Manpasand was an accounting fraud with beverages on the side

Original Source: https://boringmoney.in/p/manpasand-an-accounting-fraud (my newsletter Boring Money. Do visit the original link and subscribe if you'd like to receive similar posts directly in your inbox)

Let’s say you’re a company that wants to commit an elaborate fraud. What is the most egregious fraud that you can think of?
Maybe let’s not start with egregious. Let’s start with something simple! Here’s something that’s reasonably common:
  1. Pay people to buy your product (or like give them huge discounts or whatever). Inflate your revenue. Lie about your actual customers.
  2. Hype your company up. Do an IPO, take your company public. Sell some of your own stock.
  3. Slowly try fixing your numbers. If you happen to succeed, that’s great! You win. If you don’t succeed, you still win? You’ve done your IPO and sold some stock. That’s a lot of money.
This is the simple kind of fraud, which also makes it difficult to identify. You might have to talk to the company’s customers, read the fine print in its disclosures, do sanity checks of its financials, that sort of stuff. It’s tough to catch the simple kind of fraud, which is also why so much of it exists in the form of whispers and rumours without ever getting proven.
Now let’s go egregious:
  1. Why pay people to buy your product? Hell, why even have a product? Just manifest in your imagination that there are hundreds of thousands of people buying whatever you’re selling and write it down.
  2. Hype your company up! Do an IPO, sell some stock. This part remains the same.
  3. Don’t bother fixing your numbers. Instead, keep publishing imaginary revenue figures. Keep selling stock to public investors. Publish your financials every quarter with whatever numbers you like.
If you do this, there’s only so far you can go. Eventually, your hype will attract attention and someone might figure out that both your customers and product were creative imagination.
Here’s a SEBI order from late in April about Manpasand Beverages. Manpasand used to be a beverages company based in Gujarat. In 2019 the company shut down because it got caught in a bunch of frauds. It’s only now that SEBI published the details of what was happening. Probably best summarised by fund manager Amit Mantri: [1]
https://preview.redd.it/lyg8kms42y0d1.jpg?width=603&format=pjpg&auto=webp&s=dbfc1388299f5ed736b957a511e9b1dc1db6619a

Fake it till you make it (or don’t)

Manpasand faked its revenue (of course). It also faked its expenses, customers, vendors, tax liabilities, etc. How did it get away with doing this stuff? I don’t know, someone’s gotta ask Deloitte. They were Manpasand’s auditor for eight years, resigning only in 2018. The company’s fraud came out officially in 2019—Deloitte, whose job was to make sure the books were right and also had access to all the inside information, figured that something was off only a year earlier!
Anyway, SEBI appointed its own auditor to figure out what was wrong with Manpasand’s accounts and the auditor came back with a bunch of stuff. [2]
Here’s the bit about Manpasand inflating its revenue. From SEBI’s order:
… CGST vide letter dated July 07, 2019, inter alia, informed that Manpasand had shown inflated sales figure in its balance sheet by way of receipt/ supply of fake invoices without actual receipt/ supply of goods. It was further informed in the said letter that Manpasand had floated 38 bogus/paper firms to inflate its turnover and that inward and outward transactions made with such bogus firms amount to Rs.188.48 Crore and Rs. 691.30 Crore, respectively.
Manpasand created 38 different companies and it both “sold” its products to those companies as well as “bought” stuff from some of them. Basically, Manpasand created...
[Unfortunately the full post is too long and is being rejected by the auto-mod. Please continue the read on the original source]
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2024.05.17 10:03 UsualSet8535 Free Quick Response Code Generator: How to Create Custom Codes

Free Quick Response Code Generator: How to Create Custom Codes
https://preview.redd.it/mi7uhi1i1y0d1.png?width=2240&format=png&auto=webp&s=627950010ca6cd78ddf301e9407951cc8cc80448

What is a Quick Response (QR) Code?

A Quick Response (QR) code is a type of matrix barcode, also known as a two-dimensional barcode, initially developed in 1994 for the automotive industry in Japan. A QR code comprises black squares arranged in a square grid on a white background. It can be scanned by an imaging device like a camera and decoded using Reed–Solomon error correction until the image can be accurately interpreted. The Free QR Code Generator Online can contain various data, such as text, URL, or other types of information.

Barcodes vs. QR Codes

Barcodes

Barcodes are one-dimensional and consist of parallel lines of varying widths. They can only store information horizontally and typically hold about 20 characters. Barcodes are widely used in retail for product identification and inventory management.

QR Codes

QR codes are two-dimensional, allowing them to store information horizontally and vertically. This design enables QR codes to hold much more data than traditional barcodes—up to 7,089 characters. QR codes can also encode various types of information, such as URLs, text, contact information, and more, making them more versatile than traditional barcodes.

How Do I Create a Quick Response Code?

Creating a QR code is straightforward with the right tools. Here's a step-by-step guide to generating a QR code using a free QR code generator with logo:
  1. Choose a QR Code Generator: Select a reliable and free QR code generator like QRcodebrew.
  2. Select the QR Code Type: Decide what information you want your Social Media QR Code to contain (URL, text, contact details, WiFi credentials, etc.).
  3. Enter the Information: Input the necessary information into the generator.
  4. Customize the QR Code: Customize your QR code's design. Many generators offer options to change the colour, add a logo, or adjust the shape of the code.
  5. Generate the QR Code: Click the generate button to create your QR code.
  6. Download and Use: Download the QR code in your desired format (PNG, SVG, etc.) and use it on your promotional materials, products, or other applications.

Kinds of Custom QR Codes You Can Explore

Custom QR codes can be tailored to fit various needs and aesthetics. Here are a few types you can explore:
  1. Website URL QR Codes: Direct users to a specific website.
  2. Contact Information QR Codes: Share a vCard or straightforward contact details.
  3. Email QR Codes: Create a pre-filled email template for users to send.
  4. Text QR Codes: Display a short message or information.
  5. SMS QR Codes: Pre-fill a text message.
  6. WiFi QR Codes: Share WiFi credentials to allow easy connection.
  7. App Store QR Codes: Direct users to download an app from Google Play or the Apple App Store.
  8. Social Media QR Codes: Link to social media profiles or specific posts.
  9. Event QR Codes: Share event details and allow users to add them to their calendars.
  10. Product QR Codes: Provide additional product information or promotional offers.

Why QRcodebrew is the Best Quick Response Code Generator

User-Friendly Interface

QRcodebrew offers a straightforward and intuitive interface, making it easy for anyone to generate QR codes without technical knowledge.

Customization Options

With QRcodebrew, you can customize your QR codes extensively. You can change colours, add logos, and select different patterns and shapes to make your QR code unique and brand-aligned.

High-Quality Codes

QR codes generated by QRcodebrew are high-resolution. The text can be downloaded in various formats suitable for your needs, including digital and print use.

Free and Accessible

QRcodebrew provides its services for free, making it accessible for small businesses and individuals who want to create professional-quality QR codes without incurring costs.

Robust Error Correction

QRcodebrew uses advanced error correction techniques, ensuring that your QR codes remain scannable even if they are slightly damaged or obscured.

Versatile Applications

Whether you need a QR code for marketing, product information, or QR Code for Personal Use, QRcodebrew caters to many applications, making it a versatile tool for all your QR code needs.

Real-Life Businesses Flaunting Their QR Codes

KitKat

KitKat has integrated QR codes into their packaging creating an interactive experience for their consumers. Customers can access various content such as games, promotions, and brand information by scanning the QR code on a KitKat wrapper. This not only engages the consumers but also strengthens brand loyalty.

PepsiCo

PepsiCo uses QR codes in its marketing campaigns to offer a more immersive experience. For instance, it has included QR codes on its beverage packaging that link to exclusive content, promotional offers, and contests. This strategy has been effective in increasing consumer engagement and driving sales.

Japan Post Holdings

Japan Post Holdings has implemented QR codes to improve customer service and streamline operations. QR codes are used on parcels and letters to provide tracking information. By scanning the QR code, customers can instantly access more information. Get updates on their shipment status, enhancing transparency and customer satisfaction.

QR Code Best Practices to Keep in Mind

When creating and using QR codes, following best practices to ensure their effectiveness is essential. And user-friendly. Here are some tips:
  1. Ensure Scannability: Make sure the QR code is printed in high resolution and is not distorted. The minimum size for a QR code should be 2 x 2 cm.
  2. Add a Call to Action: Encourage users to scan the QR code by adding a clear call to action, such as "Scan to win" or "Scan for more info."
  3. Test the QR Code: Before distributing your QR code, test it with multiple devices and readers to ensure it works correctly.
  4. Provide a Backup URL: If users cannot scan the QR code, provide a backup URL or alternative means to access the information.
  5. Track Performance: Use QR codes that allow tracking so you can measure the effectiveness of your QR code campaigns.
  6. Keep it Simple: Avoid overcrowding your QR code with too much data. More straightforward QR codes are more accessible to scan.
  7. Maintain Contrast: Ensure enough contrast between the Ensure that the QR code has a contrasting background to make it easy to scan.
  8. Optimize for Mobile: Since most QR codes are scanned using mobile devices, ensure the landing pages are mobile-friendly.
  9. Update Content: If you use dynamic QR codes, ensure the content they link to is regularly updated and relevant.

Long Live the Scan: The Enduring Power of QR Codes

Despite being invented in the 1990s, QR codes are relevant and robust tools for various applications. Their versatility and ease of use have ensured their longevity. Here are a few reasons why QR codes remain indispensable:

Contactless Solutions

The COVID-19 pandemic accelerated the adoption of contactless solutions. QR codes have enabled touchless transactions, digital menus, contactless payments, and virtual event registrations.

Enhanced Consumer Engagement

Brands use QR codes to create interactive and engaging experiences for consumers. By linking to videos, augmented reality experiences, and social media, QR codes help brands connect with their audience meaningfully.

Cost-Effective Marketing

QR codes provide a cost-effective method for businesses to distribute information, launch promotions, and monitor campaign performance. You can save money on printed materials by using digital alternatives. They can be updated dynamically, making them a versatile marketing tool.

Streamlined Operations

In logistics, healthcare, and manufacturing industries, QR codes streamline operations by providing quick access to information. They help in tracking inventory, managing assets, and improving overall efficiency.

Eco-Friendly Alternative

QR codes reduce the need for paper-based information dissemination. Businesses can use QR codes to reduce printed materials, contributing to environmental sustainability.

Global Adoption

The widespread adoption of smartphones has made QR codes accessible to a global audience. As smartphone penetration increases, the use of QR codes is expected to grow further.

Conclusion

Creating custom QR codes has always been challenging, thanks to free QR code generators like QRcodebrew. By understanding the differences between barcodes and QR codes, knowing how to generate them, exploring various types of custom QR codes, and following best practices, you can effectively leverage QR codes for your business or personal use. QR codes are a versatile, cost-effective, and enduring tool that continues to drive engagement and streamline processes across various industries. Whether you're a small business or a large corporation, QR codes offer endless possibilities to connect with your audience and enhance their experience.

FAQ

What is a QR code?

A QR code is a two-dimensional barcode that can store a large amount of data, such as URLs, contact information, and text, and can be scanned using a smartphone or QR code reader.

How do I create a QR code with QRcodebrew?

To create a QR code with QRcodebrew, select the type of QR code, enter the required information, customize the design, and click generate. Then, download the QR code in your preferred format.

What types of custom QR codes can I make?

You can create various QR codes, including URL, contact information, email, text, SMS, WiFi, app store, social media, event, and product QR codes.

Why is QRcodebrew a good choice for generating QR codes?

QRcodebrew offers an easy-to-use interface, extensive customization options, high-quality codes, free access, robust error correction, and versatile applications.

What are some best practices for using QR codes?

Ensure scannability, add a call to action, test the QR code, provide a backup URL, track performance, keep it simple, maintain contrast, optimize for mobile, and update content regularly.
What is a Quick Response (QR) Code?
A Quick Response (QR) code is a type of matrix barcode, also known as a two-dimensional barcode, initially developed in 1994 for the automotive industry in Japan. A QR code comprises black squares arranged in a square grid on a white background. It can be scanned by an imaging device like a camera and decoded using Reed–Solomon error correction until the image can be accurately interpreted. The Free QR Code Generator Online can contain various data, such as text, URL, or other types of information.

How Do I Create a Quick Response Code?

Creating a QR code is straightforward with the right tools. Here's a step-by-step guide to generating a QR code using a free QR code generator with logo:
  1. Choose a QR Code Generator: Select a reliable and free QR code generator like QRcodebrew.
  2. Select the QR Code Type: Decide what information you want your Social Media QR Code to contain (URL, text, contact details, WiFi credentials, etc.).
  3. Enter the Information: Input the necessary information into the generator.
  4. Customize the QR Code: Customize your QR code's design. Many generators offer options to change the colour, add a logo, or adjust the shape of the code.
  5. Generate the QR Code: Click the generate button to create your QR code.
  6. Download and Use: Download the QR code in your desired format (PNG, SVG, etc.) and use it on your promotional materials, products, or other applications.

Kinds of Custom QR Codes You Can Explore

Custom QR codes can be tailored to fit various needs and aesthetics. Here are a few types you can explore:
  1. Website URL QR Codes: Direct users to a specific website.
  2. Contact Information QR Codes: Share a vCard or straightforward contact details.
  3. Email QR Codes: Create a pre-filled email template for users to send.
  4. Text QR Codes: Display a short message or information.
  5. SMS QR Codes: Pre-fill a text message.
  6. WiFi QR Codes: Share WiFi credentials to allow easy connection.
  7. App Store QR Codes: Direct users to download an app from Google Play or the Apple App Store.
  8. Social Media QR Codes: Link to social media profiles or specific posts.
  9. Event QR Codes: Share event details and allow users to add them to their calendars.
  10. Product QR Codes: Provide additional product information or promotional offers.
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2024.05.17 09:44 hereiam58 Available - Varcarolis’ Essentials Of Psychiatric Mental Health Nursing: A Communication Approach To Evidence-Based Care, 5th Edition - Author - Chyllia D Fosbre - ISBN - 0323810306 9780323810302 9780323811477 AFKE

I have this book available immediately in searchable converted pdf form and original publisher epub for $7.
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I offer a book-finding service for $7 for the first book and $3 for each additional book in the same transaction, as long as I have them, so if there are any others, I will do them cheaply if I can find them Upon your agreement that you will pay the $7, I will create a sample that includes the cover up to the first page of chapter 1, and then pages 100, 200, 300, 400, and 500. You can then pay via PayPal, Venmo, Cash App, Wise, or debit/credit card.
Upon payment, I will provide you with the book in a permanent Google Drive folder.
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2024.05.17 09:33 hereiam58 Available - Lippincott Q&A Review for NCLEX-RN, 14th Edition - Authors - Diane Billings, Desiree Hensel - ISBN - 1975180380 9781975180386

I have this book available immediately in searchable converted pdf form and original publisher epub for $7.
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I offer a book-finding service for $7 for the first book and $3 for each additional book in the same transaction, as long as I have them, so if there are any others, I will do them cheaply if I can find them Upon your agreement that you will pay the $7, I will create a sample that includes the cover up to the first page of chapter 1, and then pages 100, 200, 300, 400, and 500. You can then pay via PayPal, Venmo, Cash App, Wise, or debit/credit card.
Upon payment, I will provide you with the book in a permanent Google Drive folder.
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2024.05.17 09:18 hereiam58 Available - 2024-2025 Saunders Clinical Judgment and Test-Taking Strategies, 8th Edition - Authors - Linda Anne Silvestri, Angela Silvestri - ISBN - 0323874258 9780323874250 RALLY

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I offer a book-finding service for $7 for the first book and $3 for each additional book in the same transaction, as long as I have them, so if there are any others, I will do them cheaply if I can find them Upon your agreement that you will pay the $7, I will create a sample that includes the cover up to the first page of chapter 1, and then pages 100, 200, 300, 400, and 500. You can then pay via PayPal, Venmo, Cash App, Wise, or debit/credit card.
Upon payment, I will provide you with the book in a permanent Google Drive folder.
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2024.05.17 08:36 hereiam58 Available - Strategic Corporate Social Responsibility: Sustainable Value Creation, 6th Edition - Author - David Chandler - ISBN - 1071852965 9781071852965

I have this book available immediately in searchable converted pdf form and original publisher epub for $7.
https://drive.google.com/file/d/1PSARc6U5XthkhrLEq_8BdwAd2SpGpkml/view?usp=sharing
I offer a book-finding service for $7 for the first book and $3 for each additional book in the same transaction, as long as I have them, so if there are any others, I will do them cheaply if I can find them Upon your agreement that you will pay the $7, I will create a sample that includes the cover up to the first page of chapter 1, and then pages 100, 200, 300, 400, and 500. You can then pay via PayPal, Venmo, Cash App, Wise, or debit/credit card.
Upon payment, I will provide you with the book in a permanent Google Drive folder.
Just contact me if interested.
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2024.05.17 08:22 hereiam58 Available - Practice Guidelines for Family Nurse Practitioners, 6th Edition - Authors - Karen Fenstermacher, Barbara Hudson - ISBN - 0323881157 9780323881159 9780323881166

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2024.05.17 08:15 hereiam58 Available - Nurse Practitioner's Business Practice and Legal Guide, 8th Edition - Author - Carolyn Buppert - ISBN - 1284286436 9781284286434 9781284019902 9781284286465 9781284019896 9781284286458

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2024.05.17 08:11 inCars1602 A Guide to Renew Your Driving Licence Online

Renew your driving licence hassle-free with this ultimate guide. Learn the step-by-step process for renewal online / offline!
Table of Contents
Driving licence is an imperative, a must-have. It is a crucial necessity for all riders and drivers out there! And most importantly, it is a legal requirement. It is important to renew your licence online or offline, but on time. This will ensure that you can continue operating your loved vehicles legally and without any complications.
In the digital era that we are in now and here, the process of renewing your driving licence is a lot more convenient than it ever was, thanks to the introduction of online driving licence renewal services. In this comprehensive guide blog, we will walk you through the step by step process of how to renew your driving licence online (But then if you are someone who prefers a handshake over a hyperlink, we’ve got you covered too in our Renewal of Driving Licence Offline section!).
This Blog will be your one-stop to understand everything from the Documents required to answering your Frequently Asked Questions.

Importance of Renewing Your Driving Licence

A valid driving licence is your ticket to freedom on the roads. Renewing your driving licence is not a formality, but a legal obligation. That will ensure that you can continue to drive legally on Indian roads. Not renewing your licence could get you to some trouble. The consequences can range from hefty fines to even imprisonment in certain situations. It could also lead to the inability to claim insurance in case of an accident. However, on the other hand, a valid driving licence provides some extra benefits. It serves as a proof of identity, or proof of your address making it a crucial document for various official purposes. Renewing driving licence in India is a breeze. Don’t let a simple task turn into a major headache. Get the renewal of your driving licence done either online or offline, it is simple.

Documents Required for Online Driving Licence Renewal

Before getting started on the renewal of driving licence online, do ensure to have the following documents ready:
The applicable documents have to be uploaded during the process of application for renewal of driving licence online. Hence, it is important to have digital copies or scanned versions of these documents readily available with you.

Step-by-Step Guide to Renew Driving Licence Online

As we discussed earlier, the renewal of driving licence online is an easy task, it’s almost a breeze. Follow the following simple steps to renew your driving licence online:
Didn’t we tell you that it is a simple task! Renewing your license online is fast, easy, and saves you a trip. Your renewal process happens at the comfort of your couch.

Fees for Online Driving Licence Renewal

The driving licence renewal fee would vary based on the type of licence, the duration of the renewal process, i.e., it depends on how much you have delayed to renew; it also depends on the mode of renewal (smart card or a booklet). The breakdown of the fees for the renewal of driving licence are provided here below:
If you are someone looking to renew your Driving Licence for Heavy Vehicles, the fee for application of heavy licence is Rs.1000. However, for passenger and heavy cargo vehicles, the Fee is Rs.1500.
Just a gentle heads up! Please note that these fees are subject to change and it may vary slightly across different States or Union territories, across the Country. It may not greatly vary from each other, but it is advised to check before making the payment.

Tracking Your Driving Licence Renewal Status

If the application process for your driving licence was a breeze, the tracking is as easy as it gets. It is a smooth sail! The following steps help you track the status of your application of renewal of driving licence:
Step 1: Visit the Parivahan Sewa website and navigate to the “Vehicle Related Services” menu under the “Online Services” tab.
Step 2: Select the “Application Status” option and enter your application number, date of birth, and the captcha code.
Step 3: Click “Submit” to view the current status of your application.
This convenient feature allows you to stay updated on the progress of your renewal application, ensuring transparency and convenience throughout the process. Thanks to Digital India initiatives, the status updates are also frequently forwarded via SMS.

Offline Renewal Process

If you are someone who is delightfully analogue, or if you get to face any technical challenges with the online process, you can always resort to the driving licence renewal process by visiting your nearest Regional Transport Office (RTO). The following steps delineate the offline process of renewing your driving licence:
Step 1: Obtain the driving licence renewal form (Form 9) from the RTO office or download it from the official website.
Step 2: Fill out the application form and gather all the required documents as mentioned below:
Step 3: Visit the RTO and submit the duly filled application form along with the relevant documents. Remember, you have to hold hard-copies of relevant documents to submit at the RTO.
Step 4: Pay the applicable fees at the fee collection counter and collect the acknowledgment receipt. Depending on the RTO, it seems many places have UPI interface to pay. This depends and varies from location to location, hence it is advised to carry currency in hand.
Step 5: Your renewed driving licence will be mailed to your registered address once the document verification process is complete.
Visiting RTO for Offline Driving Licence renewal could sound overwhelming, which is not the case. However, in case you would like further assistance, you can seek help from your nearest driving school or an agent.

Renewing Learner’s Licence Online

Learner’s licence allows to practice Driving legally, to practice driving on public roads under specific conditions. This is significant to gain the necessary experience and skills before taking the test for a valid permanent driver’s license. Learner’s licence is a permit to demonstrate that you are authorized to learn how to drive. Remember, Driving without learner’s licence, though you are just learning, is still illegal.
If you are someone who is looking to obtain learner’s licence for the first time, applying for learner’s licence could be done online too. Visit the relevant website, select concerned state and click on “Application for New Learners License” from “Learner’s License” menu. Fill up the form. Since this is a new application for learner’s licence, you are required to visit RTO on scheduled date with original documents & fee slip. The fee for issue of learner’s licence for each class of vehicle is Rs.150.
There may be situations in which one holds a learner’s licence, and it has expired. You can renew learner’s licence online too. Follow the simple steps as detailed below:
Step 1: Visit the Parivahan Sewa website and select “Driving Licence Services” from the “Online Services” menu.
Step 2: Choose your state of residence and click on the “Expired Learner Licence Issue Again” option under the “Learner Licence” section.
Step 3: Enter your expired learner’s licence number and date of birth, then click “Submit.”
Step 4: Pay the applicable fees for the issuance of a new learner’s licence.
Once the process is complete, you will receive your renewed learner’s licence.
You are provided with a permanent valid driving licence after you appear and clear the driving test.

Frequently Asked Questions (FAQs)

Q: Can I renew my driving licence after it has expired? A: Yes, you can renew your driving licence even after it has expired. However, if the expiration date is more than five years old, you will have to apply as if you apply for a new licence and undergo all the necessary formalities.
Q: What are the penalties if caught riding or driving without a valid Driving licence? A: The fine for driving without a valid driving licence can be anywhere from Rs.1000 to Rs.5000, depending on the state and the type of vehicle you are driving. In some cases, imprisonment is also possible for a period up to 3 months. Apart from the above, it is possible that your vehicle could be seized until you can produce a valid licence. Repeated offences may lead to disqualification from obtaining a licence for a certain period.
Q: Do I need to undergo a driving test for renewal? A: Generally, no driving test is required for renewing your driving licence. However, if you are over 50 years old, and if you’re applying for a commercial vehicle licence, or have certain medical conditions, you may need to appear for a driving test.
Q: Can I make changes to my driving licence during renewal? A: Yes, you can make changes to your driving licence, such as address or personal details, during the renewal process. You will need to provide additional documentation for the changes and fill out the appropriate forms.
Q: How long is a driving licence valid? A: A driving licence in India is typically valid for 20 years from the date of issuance or until the holder turns 50, whichever comes first. For commercial vehicle licences, the validity period is 5 years. Also, it is pertinent to mention that once the driver crosses the age 50, the renewed licence is valid for 5 years, and the application of renewal of driving licence must be submitted, closer to the date of expiry.
Q: Can I renew my driving licence online if I obtained it from another state? A: Yes, you can renew your driving licence online, even if it was initially obtained from another state. However, you’ll need to provide a No Objection Certificate (NOC) from the original licensing authority. While this is the most common practice, the rules may vary from state to state, it is important to check with the local authorities for specific regulations.
Q: What if I don’t renew my driving licence on time? A: If you fail to renew your driving licence within the grace period of 30 days after expiration, you’ll need to pay an additional fee of Rs. 300. Additionally, driving with an expired licence can lead to penalties, fines, or even legal consequences.
Q: Can I schedule an appointment for driving licence renewal? A: Yes, most states in India allow you to schedule an appointment for driving licence services, including renewal, through the Parivahan Sewa website. This helps avoid long queues and waiting times at the RTO offices. This is only when you would like to renew your driving licence offline. By following the steps in Section-3 of this Blog, you can easily renew your driving licence online.
Q: How can I update my address on my driving licence? A: To update your address on your driving licence, you’ll need to fill out Form 33 and submit it along with the required documents, such as proof of new address, to the RTO during the renewal process.
Renewing driving licence online is a convenient and time saving process, which ensures that you complete the formalities and even receive your renewed driving licence, all at the comfort of your couch. Renewing your driving licence is an essential requirement. It will ensure that you remain compliant the Rules and regulations of the Government and it permits you to operate your vehicles legally on Indian roads. By following the guide detailed in this blog post, we are sure that you will have a smooth process of renewing your driving license online.
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http://rodzice.org/