Ok. Here’s an update on the insurance ‘dispute’ between me and Mr.V.
I haven’t hear about him on Monday itself. So, I waited….and waited….and waited. It’s Wednesday already. I couldn’t stand it anymore. So I give him a call during noon time on a bright Wednesday noon, asking him the reason behind for no-show to me to solve my long-outstanding insurance case. Here’s the conversation between me and him:
M: me
V: who else?
M: Free to talk now?
V: Yea. I was trying to call you whole Monday, but I couldn’t reach you. There’s no reply from your end as well.
M: Eh? Strange. I didn’t receive any missed call message nor any messages sent by you to me on Monday at all.
V: Ooh, but I did attempted to reach you on Monday ler.
M: Alright alright. It’s ok. It could be my telco failed on me. So what’s next?
V: When you free to meet up then?
M: Hmm…Make it this Saturday then. I’m not on duty on that day.
V: Ok. But about your credit card right, can you…..
M: Nah, I don’t have the time to discuss about it now. I’m rushing into the office now. Can we continue when me meet up this Saturday?
V: Sure sure. See you then.
Now. Lemme tell you lots this. On Monday, which happened to be my off day. I got up around 11am, ‘cos I’m obliged to accompany my mom to one of the local financial institution to settle some financial stuff. The whole trip with my mom was about 2-3 hours. When I reached home around 3pm. There were no missed calls nor any messages appeared on my mobile. And there I was, sitting and relaxing in my own bedroom, playing facebook and doing some stuff online. Till late night, there weren’t any notifications from him at all! Now, how in the world can he claimed that he tried to call me or even send me message on meeting him up on Monday? Is he lying? Is he trying to cover-up something? Or perhaps my telco failed on me. I don’t know. I don’t wanna know. I’m not interested to know. But one thing for sure is that, he didn’t show-up, while I was waiting at home like a retard.
And so, tomorrow is D-day for my insurance ‘show-down’ with him. I do hope that he will show-up and settle all my insurance issues once and for all.
Friday, June 19, 2009
Sunday, June 14, 2009
Full Timers & Part Timers Insurance Agent
I’m sure all of you out there owned at least an insurance policy to safeguard yourself from any mishaps, or perhaps to secure the future, right? Well, here I am, to teach you a thing or two on the insurance issue. Read on.
So, I owned 2 insurance policies personally. Yes. 2 of them. But both of ‘em are of similar, or almost similar. The very first policy was bought from my friend who worked with me previously in MNC, and now has switched his field to insurance as a full-time agent. The second policy was bought from my close friend, which I know him since schooling days. Yes. Mr.V is the name of the agent that brought upon me the second policy. For more "interesting" stories about Mr.V, you may go HERE or HERE to read more about it.
So, there’s this one fine, bright shiny day. If I’m not mistaken, it was the exact same day (14th May) that I drove my friends out to test my new car, and to have dinner with them. On that very same day, I asked Mr V to check the status of my policy. And he duly said “OK NO PROBLEM”. This was in middle of May this year.
One month passes by without me noticing it. And he yet to get back to me on the status of my policy. As a result, I sent a message to him on 28th May and asked him about this matter. Shockingly, his reply to me was : “No time, Wait.”
After further checking, ransacking my bedroom for all the documents that are related to the ‘overdue’ incident. I found out that it was due to a change in my credit card’s expiration date. My credit card that was registered under auto-pay for the insurance was due for renewal. Hence the change in card number, and the failure in deduction of the insurance.
But still, WADAFARK!!! I talked to him about this ONE FULL MONTH AGO!!! And now he’s telling me NO FUCKING TIME!?!?!?!! What kinda insurance agent would take ONE FULL MONTH to check the status of my insurance policy?!?! What kinda stuff is he so busy on about?!?!!?
On the 2nd June, he replied me with this: “policy overdue since March 2009.”
See?! If all these were settled in May, things would be much easier. But no. Mr V chose to ignore my request, or perhaps he simply forgotten the whole matter of it.
Hence, I consulted my agent that bought me my very first insurance policy on the solution of this matter. Here’s the conversation.
M: Me
A: Insurance Agent
M: My friend informed me that my insurance policy is overdue since March. How now?
A: OK. You’ve got 2 options now:
(i) Pay up whatever that is due.
(ii) Omit the past due amount. But when you’re doing some medical/insurance claims, the amount that you get will not be in full. The figure that you omitted will be deducted from it. This is what we, the insurance industry called it “premium holiday”.
M: Huh?!
A: What? You don’t understand?
M: No no no no. I do understand every single word of it. But seriously dude, I can do the second option??
A: Of course! There’s an option here in the Credit Card Monthly Deduction Form that stated you can do that, dude!
He showed me the form, pointed at that very line that stated the second option he told me about.
M: Damn! Ok, then. I’ll do that. But what about overdue interest? Will they charge me that or will there be any administration charge for overdue?
A: Oi, since when you heard insurance overdue charge you interest?
M: No ar?!?! Niceeeeeeeeeeeee.
M: By the way, just curious. Do you think it’s advisable for me to cancel this insurance policy, now that I’ve 2 almost similar policies on hand?
The agent looked through both policies in depth, few minutes later. He said……
A: No.
M: ????
A: Keep it. It WILL be useful when you’re purchasing a property in the future. You may use that to pay for the Mortgage Reducing Term Assurance (MRTA).
M: Oooh.......Ok. Fair enough. I’ll keep it then.
See? This is another difference of being a full time insurance agent and a part time insurance agent. Yes, Mr V is a part time insurance agent. He inherited all the insurance customers from his old man. All he needs to do is just ‘service’ them on a timely basis.
It’s been 3 years on now since the day I purchased the insurance policy from Mr V. For all insurance policies, those agents will only be reaping the ‘rewards’ after 5 years down the road. So if in any circumstances, the policy were to be terminated within that 5 years duration, the agent will not be getting a single cent outta it.
So, I told Mr V that I wanna do the second option and I don't wanna pay whatever that I owe between March 2009 till now. He said that he'll check and come back to me on this one.
Another check and revert case. How professional can he be?
Till todate, he never came back to me on the second option that i asked him last time around.
Ok. I’ma meet up with Mr V. on Monday evening. He says that he’s gonna settle my problem once and for all by me signing some credit card deduction forms due to the change of the cardnumbers which ultimately caused the failure in auto-deduction. Let’s see how it all pans out. Though I'm not very positive on the outcome.
Will keep you lots posted on this.
So, I owned 2 insurance policies personally. Yes. 2 of them. But both of ‘em are of similar, or almost similar. The very first policy was bought from my friend who worked with me previously in MNC, and now has switched his field to insurance as a full-time agent. The second policy was bought from my close friend, which I know him since schooling days. Yes. Mr.V is the name of the agent that brought upon me the second policy. For more "interesting" stories about Mr.V, you may go HERE or HERE to read more about it.
So, there’s this one fine, bright shiny day. If I’m not mistaken, it was the exact same day (14th May) that I drove my friends out to test my new car, and to have dinner with them. On that very same day, I asked Mr V to check the status of my policy. And he duly said “OK NO PROBLEM”. This was in middle of May this year.
One month passes by without me noticing it. And he yet to get back to me on the status of my policy. As a result, I sent a message to him on 28th May and asked him about this matter. Shockingly, his reply to me was : “No time, Wait.”
After further checking, ransacking my bedroom for all the documents that are related to the ‘overdue’ incident. I found out that it was due to a change in my credit card’s expiration date. My credit card that was registered under auto-pay for the insurance was due for renewal. Hence the change in card number, and the failure in deduction of the insurance.
But still, WADAFARK!!! I talked to him about this ONE FULL MONTH AGO!!! And now he’s telling me NO FUCKING TIME!?!?!?!! What kinda insurance agent would take ONE FULL MONTH to check the status of my insurance policy?!?! What kinda stuff is he so busy on about?!?!!?
On the 2nd June, he replied me with this: “policy overdue since March 2009.”
See?! If all these were settled in May, things would be much easier. But no. Mr V chose to ignore my request, or perhaps he simply forgotten the whole matter of it.
Hence, I consulted my agent that bought me my very first insurance policy on the solution of this matter. Here’s the conversation.
M: Me
A: Insurance Agent
M: My friend informed me that my insurance policy is overdue since March. How now?
A: OK. You’ve got 2 options now:
(i) Pay up whatever that is due.
(ii) Omit the past due amount. But when you’re doing some medical/insurance claims, the amount that you get will not be in full. The figure that you omitted will be deducted from it. This is what we, the insurance industry called it “premium holiday”.
M: Huh?!
A: What? You don’t understand?
M: No no no no. I do understand every single word of it. But seriously dude, I can do the second option??
A: Of course! There’s an option here in the Credit Card Monthly Deduction Form that stated you can do that, dude!
He showed me the form, pointed at that very line that stated the second option he told me about.
M: Damn! Ok, then. I’ll do that. But what about overdue interest? Will they charge me that or will there be any administration charge for overdue?
A: Oi, since when you heard insurance overdue charge you interest?
M: No ar?!?! Niceeeeeeeeeeeee.
M: By the way, just curious. Do you think it’s advisable for me to cancel this insurance policy, now that I’ve 2 almost similar policies on hand?
The agent looked through both policies in depth, few minutes later. He said……
A: No.
M: ????
A: Keep it. It WILL be useful when you’re purchasing a property in the future. You may use that to pay for the Mortgage Reducing Term Assurance (MRTA).
M: Oooh.......Ok. Fair enough. I’ll keep it then.
See? This is another difference of being a full time insurance agent and a part time insurance agent. Yes, Mr V is a part time insurance agent. He inherited all the insurance customers from his old man. All he needs to do is just ‘service’ them on a timely basis.
It’s been 3 years on now since the day I purchased the insurance policy from Mr V. For all insurance policies, those agents will only be reaping the ‘rewards’ after 5 years down the road. So if in any circumstances, the policy were to be terminated within that 5 years duration, the agent will not be getting a single cent outta it.
So, I told Mr V that I wanna do the second option and I don't wanna pay whatever that I owe between March 2009 till now. He said that he'll check and come back to me on this one.
Another check and revert case. How professional can he be?
Till todate, he never came back to me on the second option that i asked him last time around.
Ok. I’ma meet up with Mr V. on Monday evening. He says that he’s gonna settle my problem once and for all by me signing some credit card deduction forms due to the change of the cardnumbers which ultimately caused the failure in auto-deduction. Let’s see how it all pans out. Though I'm not very positive on the outcome.
Will keep you lots posted on this.
"Dead-Wood"
Wanted to get this one outta my chest for a long time already. Finally, today I’ve got the luxury of time to express it here.
Now, before all the commotion set to fly in here. I wanna ask you lots outther who are reading this blog a question:
What will happen to one employee, if he/she were to keep on coming in late for work for at least 45 minutes on a daily basis, and on top of that, he/she will sometimes never report to work off and on? If you, as a manager/superior of this employee. What will be your action on this case?
DISMISSED! That’s the first thing that springs into any sane human’s mind for sure. Imagine if the abovementioned scenario were to occur not once, not twice, but at least 5 times in one single month?
Seriously, I don’t know what is going on in our Human Resource Department’s (HRD) mind. An employee has been coming in late for duty for few weeks, and once in awhile, he will go AWOL for few days. Outta nowhere, few days after all these, he’ll “re-appear” in the office and work like usual, as if nothing has happened.
1 month has gone. Yet, our “beloved” department hasn’t taken any action at all, let alone some show-cause letter. That guy still come as he likes, go as he likes. As if the company is owned by his parents. Here we are, busting our ass off on a daily entertaining all the inquiries from the customer like mad dog. There he is, come to work as and when he feels like it. Is this fair?!?! Well, I know, I know..there’s no such thing as fairness in this world, but heck! Can they at least do something about this kinda behavior/attitude or whatever you wanna call it?!?!
All the above were happened since early April this year. The same thing carried on till early this month. That’s when I brought this up to my immediate supervisor-cum smoking partner, she said that previously, HRD didn’t’ do anything on this case due to some “unknown circumstances”. Finally, early this month, they decided to “take action” against this SOB. I got to know that the final solution of this matter is to dismiss this guy, and in turn, due to the fact that the minimum working days for an employee in our organization per month is at least 14 days, the SOB needs to pay back the organization whatever is due to him because he worked less than 14 days since April this year.
Hah! Serves this marthaphuacker right!
A dead-wood is gone, for good. Our company is back to it’s own runway again!
Now, before all the commotion set to fly in here. I wanna ask you lots outther who are reading this blog a question:
What will happen to one employee, if he/she were to keep on coming in late for work for at least 45 minutes on a daily basis, and on top of that, he/she will sometimes never report to work off and on? If you, as a manager/superior of this employee. What will be your action on this case?
DISMISSED! That’s the first thing that springs into any sane human’s mind for sure. Imagine if the abovementioned scenario were to occur not once, not twice, but at least 5 times in one single month?
Seriously, I don’t know what is going on in our Human Resource Department’s (HRD) mind. An employee has been coming in late for duty for few weeks, and once in awhile, he will go AWOL for few days. Outta nowhere, few days after all these, he’ll “re-appear” in the office and work like usual, as if nothing has happened.
1 month has gone. Yet, our “beloved” department hasn’t taken any action at all, let alone some show-cause letter. That guy still come as he likes, go as he likes. As if the company is owned by his parents. Here we are, busting our ass off on a daily entertaining all the inquiries from the customer like mad dog. There he is, come to work as and when he feels like it. Is this fair?!?! Well, I know, I know..there’s no such thing as fairness in this world, but heck! Can they at least do something about this kinda behavior/attitude or whatever you wanna call it?!?!
All the above were happened since early April this year. The same thing carried on till early this month. That’s when I brought this up to my immediate supervisor-cum smoking partner, she said that previously, HRD didn’t’ do anything on this case due to some “unknown circumstances”. Finally, early this month, they decided to “take action” against this SOB. I got to know that the final solution of this matter is to dismiss this guy, and in turn, due to the fact that the minimum working days for an employee in our organization per month is at least 14 days, the SOB needs to pay back the organization whatever is due to him because he worked less than 14 days since April this year.
Hah! Serves this marthaphuacker right!
A dead-wood is gone, for good. Our company is back to it’s own runway again!
Saturday, June 6, 2009
Some Updates
It's been awhile since I last post in here. Well, to be honest, couldn't be arsed about that. Anyways, I've been hooked on to some games in side of facebook. Yes. I've got a facebook account. [In case you wanna add me, just buzz me in here, and I'll give it to you via email.] It's the main reason why I rarely update my blog recently. *wink*
Gonna start my 3 nites of graveyard shift which starts tonite. Have some pretty "interesting" & "saucy" gossips up. Stay tuned.
Gonna start my 3 nites of graveyard shift which starts tonite. Have some pretty "interesting" & "saucy" gossips up. Stay tuned.
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