In the event that windows XP machine being attacked by viruses, some of the viruses could actually play hide and seek by deactivating some of the function to avoid user from easily removed it.
The following are some ways to reactivate the relevant function:
1. Task Manager
This could be reactivated by accessing group policy editor (gpedit.msc) from "Start" --> "Run".
Under "User Configuration\Administrative Templates\System\Ctrl+Alt+Del Options", double click on "Remove Task Manager" entry, a window dialog will be shown. Select on "Enabled" options. Click "Apply". Select "Not Configured" and click on "Apply" again. The Task Manager will be then reactivated.
2. Folder options under window explorer
This could be reactivated by accessing group policy editor (gpedit.msc) from "Start" --> "Run".
Under "User Configuration\Administrative Templates\Windows Components\Windows Explorer", double click on "Remove the Foldere Options menu item from the Tools menu" entry, a window dialog will be shown. Select on "Enabled" options. Click "Apply". Select "Not Configured" and click on "Apply" again. The Task Manager will be then reactivated.
Friday, November 21, 2008
Thursday, November 20, 2008
Customer Aways Rights?
Customer always rights? It doesn’t seem to be the case, when banks was involved. I am referring to OCBC bank in general, and more specific would be the OCBC bank Malaysia.
On end of May 2008, I had issued a cheque with amount of RM1000 to JPA for payment of my study loan. On June 30, 2008 statement, I found that RM1000 was debited from my cheque account on June 4, 2008 but credited back on June 5, 2008 along with a cheque returned charges of RM150 and Excess OD interest of RM1.38 on June 30, 2008. As I didn’t recalled that I actually forgot to transfer the relevant amount to my cheque account and the statement seems to imply that I actually have the RM1000 available in my cheque account since it managed to debit RM1000 from my account. Thus, the only way for me to understand the full picture is to call the OCBC Malaysia customer service center.
Upon calling the customer service center at around 9.30 pm somewhere on early July 2008, I asked the relevant customer service officer on why the cheque was bounce when RM1000 was originally successfully withdrawn from my cheque account (please note that I thought that I did transfer the amount at that point of time), the customer service officer serving me was not able to answer my question and told me that he will check and then call me back in 10 minutes time. I waited for more than 10 minutes but never received the call from the relevant customer service officer. Thus, I call the customer service center again, only to find out that the OCBC Malaysia’s customer service center closed by 10 pm. After about a week, I recall the matter and call the OCBC Malaysia’s customer service center again with another customer officer serving me, I explain the scenario as I presume at that point of time and I was assured that he will investigate and get back to me in a few days time but nobody ever called me.
I then make my third attempt to call the OCBC Malaysia customer service center after 1 or 2 weeks. Only then I was told that base on the record, I actually didn’t transfer the relevant amount to my cheque account and that is why the cheque had been returned with charges imposed. I then request for a waiver of the charges imposed but was advised to write a letter to the JB branch where I opened my account the decision for such waiver must come from the branch itself. I then wrote a letter to OCBC branch and had it passed to OCBC JB branch staff but never received any formal reply from the bank on whether my appeal was granted.
Thus, I call the customer service center again on Aug 8, 2008 and was told that there weren’t any record that the branch actually received my appeal letter. I’m also being advised to pay the amount charged due to cheque returned while waiting for the result of appeal. The customer service officer serving me was quite helpful in helping me to activate my internet banking account over the phone, so that I can pay the RM152.70 that had charged to my account as recorded in the system at that point of time via internet banking. The customer officer then promised to call me after checking and yet never call me even after a few weeks.
By early Sept 2008, I was surprised when I received the statement saying that I had owe the bank RM1 for overdraft charges since I had paid the amount showing on the system on Aug 8, 2008. I gave up on trying to argue with the bank and thus pay the RM1 as shown on the statement. However, this reminded me that I have not received any formal reply on my appeal for waiving of the returned cheque charges. Thus, I call the OCBC customer service center once again. At that point of time, I was told that my appeal for the waiver had been rejected. I asked the customer service officer on why my appeal had been rejected but was told that they didn’t know the reason. I was advised to go down to the branch to check and appeal again.
On early October 2008, I was horribly surprise when I get the bank statement and saw that another RM1 had been charged as excess OD interest when I had actually paid the RM1 when I received my statement on early Sept 2008. When asked about the RM1 charged on my account as indicated on the statement with statement date of Sept 30, 2008, I was told that the RM1 was actually an excess fund that I had deposited to my cheque account. However, by early November 2008, I was horribly surprised when I received the statement dated Oct 31, 2008 which say that there was another excess OD interest charged to my account and now that I owe RM2 to the bank!
I am super angry at that point of time and immediately called the OCBC Malaysia customer service center again and demanded for an explanation on the issue. I requested her to check the record on my previous query on the RM1 stated in my account. Coincidentally, the customer officer who received my call was actually the one who told me that the previous RM1 was my excess payment. She then told me that she will put up the request to waive off the RM2 accumulated to my account. Additionally, she informed me that she would try to look at how she can help on the RM153.7 that I had paid previously. I was also told that the bank would follow up on this issue.
A few days later, I received a call from OCBC Malaysia customer service officer who informed me that the waiving off of RM2 had been granted but the request to waive off the previously paid RM153.7 was rejected.
Today (Nov 20, 2008), I went down to the branch to see the customer officer face to face to make another appeal but was told that nothing can be done. However, the customer service officer was very helpful to explain to me on all the charges imposed on me. I was told that for a bounced cheque a standard penalty of RM150 will be charged, and there was a RM1.38 charged to my account (base on SIBOR rate plus x rate) on June 2008 because the fund had been transferred to Bank Negara on June 4, 2008 when the cheque had been presented for redeem.
Seriously, I know that it is myself to be blamed for having issue a cheque, which was bounced. I also know that the bank have no obligation to waive the charges imposed to me even though I appeal for it.
However, its my utmost disappointment to how this issue had been handled by OCBC staff right from beginning and the way it deal with the appeal without considering the fact that I had been with OCBC JB branch for about 8 years and have a good track record thus far. I had also been using the OCBC’s cheque account to issue cheque with none of it bounced before. This time round, I do have the necessarily amount in my saving account, its just an overlook case where I had forgotten to transfer the amount, yet the bank never took all this into consideration
Apart from the above, I also I don’t understand the following:
On end of May 2008, I had issued a cheque with amount of RM1000 to JPA for payment of my study loan. On June 30, 2008 statement, I found that RM1000 was debited from my cheque account on June 4, 2008 but credited back on June 5, 2008 along with a cheque returned charges of RM150 and Excess OD interest of RM1.38 on June 30, 2008. As I didn’t recalled that I actually forgot to transfer the relevant amount to my cheque account and the statement seems to imply that I actually have the RM1000 available in my cheque account since it managed to debit RM1000 from my account. Thus, the only way for me to understand the full picture is to call the OCBC Malaysia customer service center.
Upon calling the customer service center at around 9.30 pm somewhere on early July 2008, I asked the relevant customer service officer on why the cheque was bounce when RM1000 was originally successfully withdrawn from my cheque account (please note that I thought that I did transfer the amount at that point of time), the customer service officer serving me was not able to answer my question and told me that he will check and then call me back in 10 minutes time. I waited for more than 10 minutes but never received the call from the relevant customer service officer. Thus, I call the customer service center again, only to find out that the OCBC Malaysia’s customer service center closed by 10 pm. After about a week, I recall the matter and call the OCBC Malaysia’s customer service center again with another customer officer serving me, I explain the scenario as I presume at that point of time and I was assured that he will investigate and get back to me in a few days time but nobody ever called me.
I then make my third attempt to call the OCBC Malaysia customer service center after 1 or 2 weeks. Only then I was told that base on the record, I actually didn’t transfer the relevant amount to my cheque account and that is why the cheque had been returned with charges imposed. I then request for a waiver of the charges imposed but was advised to write a letter to the JB branch where I opened my account the decision for such waiver must come from the branch itself. I then wrote a letter to OCBC branch and had it passed to OCBC JB branch staff but never received any formal reply from the bank on whether my appeal was granted.
Thus, I call the customer service center again on Aug 8, 2008 and was told that there weren’t any record that the branch actually received my appeal letter. I’m also being advised to pay the amount charged due to cheque returned while waiting for the result of appeal. The customer service officer serving me was quite helpful in helping me to activate my internet banking account over the phone, so that I can pay the RM152.70 that had charged to my account as recorded in the system at that point of time via internet banking. The customer officer then promised to call me after checking and yet never call me even after a few weeks.
By early Sept 2008, I was surprised when I received the statement saying that I had owe the bank RM1 for overdraft charges since I had paid the amount showing on the system on Aug 8, 2008. I gave up on trying to argue with the bank and thus pay the RM1 as shown on the statement. However, this reminded me that I have not received any formal reply on my appeal for waiving of the returned cheque charges. Thus, I call the OCBC customer service center once again. At that point of time, I was told that my appeal for the waiver had been rejected. I asked the customer service officer on why my appeal had been rejected but was told that they didn’t know the reason. I was advised to go down to the branch to check and appeal again.
On early October 2008, I was horribly surprise when I get the bank statement and saw that another RM1 had been charged as excess OD interest when I had actually paid the RM1 when I received my statement on early Sept 2008. When asked about the RM1 charged on my account as indicated on the statement with statement date of Sept 30, 2008, I was told that the RM1 was actually an excess fund that I had deposited to my cheque account. However, by early November 2008, I was horribly surprised when I received the statement dated Oct 31, 2008 which say that there was another excess OD interest charged to my account and now that I owe RM2 to the bank!
I am super angry at that point of time and immediately called the OCBC Malaysia customer service center again and demanded for an explanation on the issue. I requested her to check the record on my previous query on the RM1 stated in my account. Coincidentally, the customer officer who received my call was actually the one who told me that the previous RM1 was my excess payment. She then told me that she will put up the request to waive off the RM2 accumulated to my account. Additionally, she informed me that she would try to look at how she can help on the RM153.7 that I had paid previously. I was also told that the bank would follow up on this issue.
A few days later, I received a call from OCBC Malaysia customer service officer who informed me that the waiving off of RM2 had been granted but the request to waive off the previously paid RM153.7 was rejected.
Today (Nov 20, 2008), I went down to the branch to see the customer officer face to face to make another appeal but was told that nothing can be done. However, the customer service officer was very helpful to explain to me on all the charges imposed on me. I was told that for a bounced cheque a standard penalty of RM150 will be charged, and there was a RM1.38 charged to my account (base on SIBOR rate plus x rate) on June 2008 because the fund had been transferred to Bank Negara on June 4, 2008 when the cheque had been presented for redeem.
Seriously, I know that it is myself to be blamed for having issue a cheque, which was bounced. I also know that the bank have no obligation to waive the charges imposed to me even though I appeal for it.
However, its my utmost disappointment to how this issue had been handled by OCBC staff right from beginning and the way it deal with the appeal without considering the fact that I had been with OCBC JB branch for about 8 years and have a good track record thus far. I had also been using the OCBC’s cheque account to issue cheque with none of it bounced before. This time round, I do have the necessarily amount in my saving account, its just an overlook case where I had forgotten to transfer the amount, yet the bank never took all this into consideration
Apart from the above, I also I don’t understand the following:
- I had been told by a very helpful OCBC staff on some other branch that OCBC will normally called up its customer to give chances for its customer to top up the cheque account if there weren’t any sufficient fun available in the cheque account. On such event where the customer able to top up the account in time, only a charges of RM50 will be imposed. However, I never received such call.
On Nov 20, 2008, when I asked the JB branch staff on this, I was told that as my residential address was Singapore address, thus the bank won’t call me since I won’t be able to go down to the bank in time to deposit the amount required for the cheque. BUT, hey, I have an Internet Banking facility with the bank. I can actually initiate a fund transfer via the Internet Banking. I was also told that it is not the bank’s obligation to call me up. But, if it’s the norm to call up, why the norm had been violated. Won’t the bank take this into consideration when an appeal for the waiver of the mentioned charges received? - Why would the bank transfer RM1000 to Bank Negara when it is upright clear that I don’t have such amount in my cheque account? If it is for the reason that chances could be given to its customer to top up the account upon being notified, then why didn’t I being notified? If it is not for the sack of giving chances to its customer upon notification, then why should the bank unnecessarily transfer the amount, which they know that I don’t have and then charged me the OD interest?
Subscribe to:
Comments (Atom)