Sensei: It is NOT illegal to counter with your own terms and amend/delete the parts you do not agree with - the supplier has the choice to either accept or refuse your counter offer. We do that on almost all the terms we get from our suppliers and most if not all of them tend to accept the amendments.

Juxa, Miyaadan difaacin that small print day in day out? and in UK law do you think he would win his compensation of $727k ?

A Russian man who decided to write his own small print in a credit card contract has had his changes upheld in court. He's now suing the country's leading online bank for more than 24 million rubles ($727,000) in compensation. Disappointed by the terms of the unsolicited offer for a credit card from Tinkoff Credit Systems in 2008, a 42-year-old Dmitry Agarkov from the city of Voronezh decided to hand write his own credits terms. The trick was that Agarkov simply scanned the bank’s document and ‘amended’ the small print with his own terms He opted for a 0 percent interest rate and no fees, adding that the customer "is not obliged to pay any fees and charges imposed by bank tariffs." The bank, however, didn’t read ‘the amendments’, as it signed and certified the document, as well as sent the man a credit card. Under the agreement, the bank OK'd to provide unlimited credit, according to Agarkov’s lawyer Dmitry Mikhalevich talking to Kommersant daily. "The opened credit line was unlimited. He could afford to buy an island somewhere in Malaysia, and the bank would have to pay for it by law," Mikhalevich added. Agarkov also changed the URL of the site where the terms and conditions were published and hedged against the bank’s breaking of the agreement. For each unilateral change in the terms provided in the agreement, the bank would be asked to pay the customer (Agarkov) 3 million rubles ($91,000), or a cancelation fee of 6 million rubles ($182,000). However, after two years of active use, the bank decided to terminate Agarkov's credit card because of overdue payments. In 2012, the bank sued Agarkov for 45,000 rubles ($1,363) - an amount that included the remaining balance, fees, and late payment charges, which violated the actual agreement. The court decided that the agreement Agarkov crafted was valid, and required him to settle only his balance of 19,000 rubles ($575). The bankers had to admit the mistake, says Agarkov’s representative Dmitry Mikhalevich. "They signed the documents without looking. They said what usually their borrowers say in court: 'We have not read it,'” says Mikhalevich. Despite the victory, Agarkov decided to sue Tinkoff Credit Systems for fines of 24 million rubles ($727,000) for not honoring the terms of the agreement, and the decision to terminate the contract without paying 6 million rubles ($182,000) fee. "Our lawyers think, he is going to get not 24 million, but really four years in prison for fraud. Now it's a matter of principle for @ tcsbank,” founder of the bank Oleg Tinkov tweeted. “We don’t have small print, everything is clear and transparent. Try to open a card - then we'll talk. Stealing is a sin - in my opinion, of course. Not all in Russia think so,” Tinkov tweeted. The next hearing will be held in September. http://rt.com/business/man-outsmarts-banks-wins-court-221/

And yet you posted a link to this "un-islamic contest" during the holly month of Ramadan!

Abdusalam Abubakar may be just sixteen-years-old, but he is the hottest name in Ireland right now. He recently won the BT Young Scientist of the Year 2007 for his grasp of the importance of networked computer security. Now the fear all over Europe is that the Internet commerce may be in for a rough time. Peter Anny-Nzekwue attempts to unlock the mind of a genius. http://www.xclusive.ie/08/abubakar.html

Kir! Discuss

nuune;969952 wrote: He estimates as many as 750 million phones may be vulnerable to attacks. He seems to be over exaggerating the numbers for a maximum media exposure. There might be a number of telecommunication companies in the "third world" and developing countries still using this obsolete technology, but most (if not all) the western telcos have migrated from the single DES algorithm he has managed to successfully attack. I believe the continuous use of this technology is tantamount to criminal negligence. I will bet on my last penny that AB's mobile operator still use this technology (it is really cheap)

^^ Don't you get tired of sawiradan aad meel walba kusoo dhajinayso?

I have seen many Muslims who have been fasting without caring for their health. Fasting is not about hardship but ease. Here is a publication I put together a few years back. Please enjoy the read and share widely: Ajmal Masroor Find the booklet here http://www.communitiesinaction.org/Ramadan%20Health%20and%20Spirituality%20Guide.pdf Afsoomaali iyo afaf kaleba wuu ku qoran yahay F.G Ninku Saambuusu kasoo hor jeedaa, I dont think inay Somali afur u taqaano one without saddex geesoodka nonetheless, waa very informative

Saalax;966907 wrote: This thread is for pure educational purposes SXB you seem to be mathematically challenged. Ma garanaysaa the difference between 387,532,24 and 387.53224 horta

An individual named Colonel Abdiqaadir Moalin Nuur took out $4.7 million between 2010 and 2013 , the second largest amount of money, according to the report, which said there was no explanation for his withdrawals. This is the "Colonel", a former bus driver from London that never had a days training as soldier to his C.V let alone being a colonel. Mida kale $4.7 million sure beats the meager wages paid by Transport Of London

Welcome back Motti - glad to see you survived the slaughter house in Baghdad

Odayga indhahaa ciilaye Sabra ayuu daydayayay

NGONGE;962601 wrote: “balo! Intaa sadix Cristiano Ronaldo bay ii goyan laheed”? That made me qosol like wax waalan in the office. Waligaa ma maqashay tuug iyo tuug kalkaal? labada aad sheegtayba waa tuug iyo tuug kalkaal.

Interesting! Onething is for sure, inay aniga iga geesisan yihiin

Doesn't calling for an elected parliamentarian to be "expelled" from the capital enforce the argument some had about Mogadishu not being equal for all? and isn't the job of every parliamentarians to represent their constituent however flawed? FYI, 110 is not a small number marka waxbaa khaldan meesha - laakiin Insha Allah kheyr. All that I know is some of the irresponsible comments people make on this forum (which is nothing more than a digital fadhi-ku dirir joint similar to the one they have in every Somali maqaaxi which, ironically, most of you would disassociate yourself from because waxaad tahay "nin/gabadh wax bartay") just to score silly "political" point (and I use the term political very loosely) simply makes a difficult situation even worse than it should be. Remember that ever comment you make on SOL or any other forum for that matter only makes you more enemies as an individual and not thing more. Cid lacag kugu siinaysa ma jirto defending some hocus-pocus qabiil ee if you must waste your time, waste on something useful. I hope in aanan laygu sifayn the proverbial wisdom dhahda - "Better to remain silent and be thought a fool than to speak out and remove all doubt". Abraham Lincoln

D.O.C;949442 wrote: Inaar saalax, waxan inaga daa adoo raaliya. Umadan laguma daydee. Cadawga somaliland hadii bisadi ku dhimato somaliland way ku farxayaan adigu haku dayan Ha ku dayan or ha bilaabin fitna? “And do not recline to those who did wrong, lest Fire should touch and you will have no allies beside God, then you will not be helped” (11:113)

Hiiraan ayaa saaka aroortii ka qortay qoraalkan ----- Xukuumadda Somalia oo Markii ugu Horreysay Muddo 20-sano Maanta lagu Wareejiyay Maamulka Hawada Somalia Isniin, May 13, 2013 (HOL) — Xukuumadda Soomaaliya ayaa maanta si rasmi ah loogu wareejiyay maamulka hawada Soomaaliya iyo qaadista canshuuraha diyaaradaha maraya hawada Soomaaliya, kaddib 22-sano oo xafiiskan ay maamulaysay Qaramada Midoobay. Wasiirka warfaafinta, isgaarsiinta iyo gaadiidka Soomaaliya, Cabduulaahi Ciilmooge Xirsi ayaa warbaahinta ugu sheegay gudaha garoonka diyaaradaha ee Muqdisho inuu socdo kulankii ay Soomaaliya kula wareegaysay howshan. “Maamulka hawada Soomaalida iyo canshuuraha diyaaradaha ku safara hawada Soomaaliya waxaa muddo 20-sano ka hor lagu wareejiyay hay’ad ay maamusho Qaramada Midoobay oo saldhiggeedu ahaa Nairobi, maatana waxaa lagu soo wareejiyay dowladda Soomaaliya,” ayuu yiri wasiirka oo sheegay inuu socdo shir looga hadlayo arrintaas. Ciilmooge wuxuu hadalkiisa ku daray in tani ay qayb ka tahay dadaallada ay ku doonayso xukuumadda Soomaaliya inay dib u soo celiso hantida Somalia iyo xiriirrada kala dhexeeya caalamka. Inkastoo weli uu shirku socdo ayuu wasiirku sheegay in tallaabadan ay tahay mid ay hirgelinteeda muddo dheer ku howlanayd wasaaraddiisa, maatanta ay noqotay markii ugu horreysay oo Soomaaliya ay si rasmi ah ula wareegto howshan. Dowladda Mareykanka ayaa sannadkan horraantiisa aqoonsatay dowladda Soomaaliya oo ah dowladdii ugu horreysay oo Soomaaliya ay yeelato muddo 22-sano ah kaddib, waxaana dowladdu ay ku guuleysatay inay xoojiso xiriirka ay Soomaaliya ay caalamku leeyihiin.

xiinfaniin;949314 wrote: Dabrow just like Gabal is unsure what to do with Kismayo. He is conflicted, between support and opposition Depends on dhankay hawadu u socoto on the day

No wonder Somalis don't agree on anything. The one from Hargaysa hates Xamar, the one from Xamar hates Kismayo, the one from Bosaso hates Jigjiga and the one from Jigjiga hates Xamar. It is a never ending cycle of hate. We are people who thrive on the misery of their kins and worst of all, one would go out of his way to amplify the fire next door while illogically arguing to being a "nationalist" or hating the idea of "qabiil". PeaceNow's "we are cursed people" comment comes to mind.

oba hiloowlow;947249 wrote: Halkana maxay ahayd sxb. Please caption ku dar sawiradaada si aan u fahano sawirada. Tanag yuu

oba hiloowlow;945160 wrote: Waa design qurux badan oo different ka ah kuwii lagu yaqaanay Xamar cadeey

waan ka naxay and dont ask me why

Safferz;946815 wrote: That's a really messed up thing to say. No one deserves to be murdered. Would you rather have 2 drug dealers taken out of the streets or see many more kids lured into false premise of "live full of fast cars and hablo cajiib ah!" and they all end up in jidadka (Laamiga) lagu gawraco. I believe in iyaga laftigooda ay badbaadi lahaayeen hadii whoever got them involved in this business in the first place madaxa laga toogan lahaa. I am a strong believer of the methods used by the Chinese and most Eastern countries to curtail drug dealers.

Young or not drug dealing is wrong and they all ("victims" and "suspects") deserved to be gunned down. Kuwii yaryaraa oo dhan bay fasahaadinayaan