Wednesday, December 16, 2009

GLOBACOM NIGERIA; CORPORATE GIANT WITH A FAILED CUSTOMER SERVICE ON A GIANT SCALE.


Globacom Nigeria Ltd, also known as Glo Mobile Nigeria, started business operations in Nigeria in the year 2003. No doubt, it brought the relieve we all Nigerians needed from expensive per minute call charges, by introducing the per second billing, thereby crashing the high cost of making calls using the Global System of Mobile Communications (GSM).

However, the true Glo Mobile Nigeria has unravelled itself. The same company (Glo Mobile Nigeria) that brought respite to the masses of Nigeria has now consciously shut its doors of communication (the only bridge to its end-users) against the same masses that were made to believe that they were a company for the people, for Nigerians and truly Nigerian.

A telecoms company (Globacom Nigeria Ltd); a supposed 100% Nigerian owned company, has now shut-out its own Nigerian subscribers, the same people who made them who they are today by virtue of their extensive and wide patronage.

Today, Globacom Nigeria Ltd also known as Glo mobile Nigeria, has proven to us that the feelings of Nigerians do not matter, as long as we continue using their services thereby keeping them in a good position in the telecoms market in Nigeria.

A company (Glo Mobile Nigeria); a 100% Nigerian owned company, operates a dormant and never reachable customer care line with customer careline number: 121 irrespective of the time of the day you call and a customer care email address: customercare@gloworld.com of which you never get replies and when you do get replies, you get replies which are unsatisfactory in regards to the complaints sent and this happens 95% of the time. Also, to get a response by email, a troubled Nigerian with an urgent complaint must send one mail repeatedly over ten times before you might be lucky to get a short reply that 95% of the time, does not satisfy you and in very rare cases, you might be lucky to get a call.

A Company (Glo Mobile Nigeria Ltd) with a customer service that could be said to virtually operate lucky dip draws with mails sent to the Customer Service Department and the lucky pick manages to get an unsatisfactory response most of the time.

Globacom Nigeria Ltd (Glo Mobile Nigeria); what a Corporate Brand with a Failed Customer Service on a Corporate Scale. Thanks for making Nigerians your slaves; for as long as we keep using your services, our complaints do not matter, otherwise if it did, you would give us a Customer Service that works.


Eta E. Uso
0805 2856 853
(A bonafide Glo Mobile Nigeria Subscriber)

Friday, August 28, 2009

Intercontinental Bank PLC

This post is in reward to my bank (Intercontinental Bank PLC) for being a worthy service to me and its other customers.

Intercontinental Bank PLC, Nigeria, has been and is an epitome of excellence. Right from the door, you are welcome like a king and while inside, you are treated with respect. They do not base their respect on the value of money in your account. Everyone is treated with love and equity.

I must also commend Intercontinental Bank Plc for their innovation drive and also, because they do not believe in being second best. They always aim for the best, and we as shareholders and customers of the bank are living testimonies to that. As a student, the launch of the new Intercontinental Bank Prepaid MasterCard has made me register my presence on the internet without stress. Now I can shop online genuinely just like my foreign counterparts who had this monopoly for a long time now. I now also check my account statements online and confirm payments without needing to go to the bank premises, thanks to Intercontinental Bank’s INTERNET BANKING SERVICE.

I must also commend the Customer Service of Intercontinental Bank PLC, you guys are the best, both in customer interaction, quick and efficient replying of emails, telephone assistance and all, you guys rock.

Intercontinental Bank PLC has this slogan “HAPPY CUSTOMER, HAPPY BANK”, and I strongly lay my stamp of approval on it, because IT IS TRUE.

I am an account holder of Intercontinental Bank Plc (Nigeria) and I always cherish the day I opened an account in the bank.

You guys are great!!!

1st posted by me 2years ago on my previous blog @ TIG

Eta E. Uso
+2348052856853

Saturday, August 22, 2009

ATM SECURITY

ATM Security

ATMs keep your personal identification number (PIN) and other information safe by using encryption software such as Triple DES (Data Encryption Standard). But there are lots of things that you can do to protect your information and your money at an ATM.
Note: Your ATM PIN should be a number that you can easily remember, but that would not be readily available to thieves.

Bank ATM Security Advice

ATM bank cash machines have been incorporated in our way of life. They offer a real convenience to those on the run, but at the same time offer an element of risk. Using a bank ATM machine safely requires awareness and a little planning. Just because a bank ATM machine is open and available 24-hours a day doesn't mean it is always safe to use it.

ATM ROBBERY FACTS

Most bank ATM robberies occur at night between 7pm and midnight when the machine only produces 10% of the daily transactions. Between 7pm and 4am, the ATMs handle only 11% of the total daily transactions but suffer 60% of the crime.

Who Are the Robbers?

Bank ATM robbers are usually males under 25 years of age and most work alone. ATM robbers usually position themselves nearby (50 feet) waiting for a victim to approach and withdraw cash. Half of the ATM robberies occur after the cash withdrawal. Many ATM robbery victims are women and were alone when robbed. Most claim that they never saw the robber coming. Most ATM robbers used a gun or claimed to have a concealed weapon when confronting the victim and demanding their cash.

Pick a Safe Location

Use only bank ATM machines in well-lighted, high-traffic areas. ATMs inside busy supermarkets are considered safer. Don't use ATM machines that are remote or hidden such as being located behind buildings, behind pillars, walls, or away from public view. Beware of obvious hiding places like shrubbery or overgrown trees. ATM robbers like to have the element of surprise and no witnesses. Robbers like good escape routes like nearby freeway on-ramps or high speed thoroughfares.

Get a list of ATM locations from your bank and keep it in your car. Choose an ATM that looks and 'feels' safer, even if it is a couple of miles out of the way. Try and limit your use to daylight hours. Take someone with you after hours, if you can. When you drive up to an ATM location, scan the area for any suspicious persons. If you see anyone suspicious that is standing nearby or sitting alone in a car, drive away. When you approach an ATM on foot be prepared and have your ATM card ready. Memorize your personal PIN number to prevent loss and speed the transaction. After inserting your card and your PIN number keep an eye out behind you (the robbers always come from behind or the side). Never accept an offer to help or request for help from a suspicious male at the machine.

Be Alert

If anyone suspicious or seemingly dangerous approaches terminate your transaction and leave immediately, even if it means running away and leaving your ATM card in the machine. First, tell the suspicious male in a loud, firm voice to "back-off" and leave you alone. This is designed to startle the person and give you time to flee, if appropriate. It is far easier to apologize later or suffer a little embarrassment for your fear than to become a robbery victim. When you receive cash from the machine put it away immediately, extract your card, and walk away.

If you use your car at a bank drive-thru ATM machine the same rules apply. Make sure there are no obvious hiding places or suspicious persons loitering in the area. If there are, listen to your gut instinct and drive away. Keep your doors locked and the car in gear, with your foot firmly on the brake, while using the ATM machine. Keep a close eye on your rear and side view mirrors during the transaction. Robbers almost always approach from the rear on the drivers’ side. If you see anyone approaching, drive off even if it means leaving your ATM card behind. If you are confronted by an armed robber, just give up your money without argument. The cash is not worth serious injury or death. Get to a safe place and call the police immediately or preferably report to your bank immediately, especially in the case where you had to flee leaving your card behind.

Before I go ahead with the ATM Security precautions, let me take you back a little to how the ATM works;

How Do ATMs Work?

An ATM is simply a data terminal with two input and four output devices. Like any other data terminal, the ATM has to connect to, and communicate through, a host processor. The host processor is analogous to an Internet service provider (ISP) in that it is the gateway through which all the various ATM networks become available to the cardholder (the person wanting the cash).

Most host processors can support either leased-line or dial-up machines. Leased-line machines connect directly to the host processor through a four-wire, point-to-point, dedicated telephone line. Dial-up ATMs connect to the host processor through a normal phone line using a modem and a toll-free number, or through an Internet service provider using a local access number dialed by modem.



Leased-line ATMs are preferred for very high-volume locations because of their thru-put capability, and dial-up ATMs are preferred for retail merchant locations where cost is a greater factor than thru-put. The initial cost for a dial-up machine is less than half that for a leased-line machine. The monthly operating costs for dial-up are only a fraction of the costs for leased-line.
The host processor may be owned by a bank or financial institution, or it may be owned by an independent service provider. Bank-owned processors normally support only bank-owned machines, whereas the independent processors support merchant-owned machines.

You're probably one of the millions who has used an ATM. As you know, an ATM has two input devices:

Card reader - The card reader captures the account information stored on the magnetic stripe on the back of an ATM/debit or credit card. The host processor uses this information to route the transaction to the cardholder's bank.
Keypad - The keypad lets the cardholder tell the bank what kind of transaction is required (cash withdrawal, balance inquiry, etc.) and for what amount. Also, the bank requires the cardholder's personal identification number (PIN) for verification. Federal law requires that the PIN block be sent to the host processor in encrypted form.


And an ATM has four output devices:
Speaker - The speaker provides the cardholder with auditory feedback when a key is pressed.
Display screen - The display screen prompts the cardholder through each step of the transaction process. Leased-line machines commonly use a monochrome or color CRT (cathode ray tube) display. Dial-up machines commonly use a monochrome or color LCD.
Receipt printer - The receipt printer provides the cardholder with a paper receipt of the transaction.
Cash dispenser - The heart of an ATM is the safe and cash-dispensing mechanism. The entire bottom portion of most small ATMs is a safe that contains the cash.



THREATS TO ATM NETWORKS

Eavesdropping

Eavesdropping refers to the threat that the attacker connects or taps into the transmission media and gain unauthorized access to the data. It is one of the most common attacks to the network.

Spoofing

Spoofing attack means that an attacker tries to impersonate another user to the third part therefore can get access to resources belonging to the victim to take advantages or just destroy them. Spoofing might need special tools to manipulate the protocol data unit. And sometimes it might require the attacker has special access permission, say, must be the super user in UNIX environment. However, since a network will be connected to many untrusted networks via the Internet, it's impossible to prevent a hacker from getting this access permission or even trace the people with this particular access permission. ATM is being implemented in public domain. Therefore, it is subject to this kind of attack also.

Service Denial

ATM is a connection-oriented technique. A connection, which is called Virtual Circuit(VC) in ATM, is managed by a set of signals. VC is established by SETUP signals and can be disconnected by RELEASE or DROP PARTY signals. If an attacker sends RELEASE or DROP PARTY signal to any intermediate switch on the way of a VC, then the VC will be disconnected. By sending these signals frequently, the attacker can greatly disturb the communication between one user to another, therefore will disable the Quality of Service(QoS) in ATM. Combining this technique with other tricks like eavesdropping, the attacker can even completely block one user from another.

Stealing of VCs

If two switches in an ATM network compromise, the attacker can even steal a VC from another user. When we consider ATM internetworking, in which case cells will travel through different ATM networks, it will be very easy for two switches to compromise.

Traffic Analysis

Traffic analysis; refers to a threat that the hacker can get information by collecting and analyzing the information like the volume, timing and the communication parties of a VC. Volume and timing can reveal a lot of information to the hacker even though the data is encrypted, because encryption won't affect the volume and timing of information.

In summary once more, never forget this few ATM Security Tips;

• Be alert and conscious of your surroundings when using the ATM.
• Don't use an ATM machine located in a dark or obscure location
• Never give your card or PIN( Personal Identification Number) to anyone, for any reason.
• Be very conscious of persons hanging around the ATM machine
• Dont write your PIN on the card or anything that is kept with the card.
• Do not insert your card until asked to do so by the display screen
• Never use an ATM with a blank screen and, if the ATM is obscured from view or poorly lit, leave immediately and find another ATM.
• Stand close to the ATM and use your body and hand as shield to make sure nobody sees you keying in your pin
• Never accept help from strangers when using an ATM. You should be wary of strangers asking for help. The elderly, or physically challenged persons should take along with them trusted persons to assist them.
• Criminals work in teams- one to distract you while the other steals your card or money.
• If your card is retained (swallowed) by the ATM it is advisable to contact your bank immediately
• It is advisable to set a daily ATM withdrawal limit on your account.
• Sign up for SMS alert, so that you are alerted whenever any withdrawal is made in your account

Hope this helps alot out there.

Eta Uso (MCTS, A+)
+2348052856853

Do You Think Landlords Need to Get a Guarantor For Their Tenants?


Should landlords be looking for the security of a guarantor for new tenants?

Landlords - we are all aware of the deteriorating economic climate. Rents have been falling although the latest figures show some signs of stability in average rents, and tenant unemployment is an increasing and potentially growing problem for landlords.

I have been warning landlords for some time that they might want to consider rent guarantee insurance to protect themselves against tenants defaulting on their rent.

Protecting a landlords rent - There are other measures that savvy landlords can use to protect their rent as well as tenant guarantee insurance. This is by a landlord using a guarantor. A guarantor undertakes to pay the rent of the tenant if they stop making rental payments. Essentially it creates a safeguard from a third party who underwrites the tenants rent and provides a buffer against default.

Traditionally, guarantors have been used by landlords when letting to student tenants. It is also synonymous with younger tenants. This is because in both cases the tenants may have limited or no credit history which makes carrying out a tenant credit check pretty pointless.

However, increasingly landlords should consider them when they perceive that they are taking on an unacceptable risk. For instance where a tenant is in a volatile economic sector or just passes the tenant reference.

The current economic environment - The current harsh, economic environment means that landlords are more exposed than ever because of the financial fall out. A tenants' guarantor needs to have a good credit score in order for them to perform their role effectively. Landlords will need to have ensured that the tenants guarantor has been adequately referenced and ideally they should be a homeowner, which means that they have collateral behind them, should the landlord need to take legal action to recover their rent.

An expert on executing a guarantor agreement who has been using them for years in his student lettings business.

Advises landlords to use the following documents:

1. Guarantor Letter
2. The proposed Tenancy Agreement
3. The Deed of Guarantee
4. Guarantor Application

"Send two copies of each of the above. One they keep and the other they return.

The guarantor letter is by way of introduction. I consider it essential that they return a signed and dated copy of the proposed tenancy agreement, so they cannot claim they haven't seen it. Then there is the Deed of Guarantee - this must be a Deed, which is signed, dated and witnessed to have the force of law behind it."

Another advantage of using a tenant guarantor - The other advantage of using a guarantor is that it mitigates against the need for a landlord to take a tenancy deposit. A landlord is well within their rights to charge an admin fee for setting up the tenancy. With the security of a legally executed deed should a landlord need to make a charge for any damage to their property they can claim against the guarantor.

If a guarantor defaults then they could potentially find themselves in court.

The ideal guarantor ' Big John ' - It was recently pointed out to me by a letting agent friend that as well as the upstanding middle classes being the ideal guarantor the other model guarantor could actually be 'Big John'

John is 6ft 5', tattoos and works out. It's fair to say nobody messes with 'Big John'.

On the face of it a landlord would think "I don't want to deal with this guy."
However, he could well be a landlord's best tool for keeping rents up to date.

For example, the tenant stops paying. You send the tenant a letter with a copy to 'Big John'. Still no rent, so you go reluctantly to 'Big John' for the money as the tenants guarantor.

Now 'Big John' ain't happy that he has to cough up money for the tenant and also potentially face damaging legal action in the courts.

Landlords who chase tenants for rent by apparent innocuous actions such as phoning or faxing them at work could be prosecuted for harassment. 'Big John' on the other hand unencumbered by the vagaries of the 'nanny state' legal system. Pays the tenant a little visit and 'reminds' them of their tenant duties to pay the rent. Low and behold the tenant finds the readies and the tenancy is suddenly back on track!

Sunday, June 28, 2009

LIVING LEGEND – DEAD OR ALIVE

His name is Michael Jackson, also known as the “King of Pop”. He was born on the 29th of August, 1958, unfortunately no one at then would have imagined that the greatest musician of all time had been born.

He shared a lot with my sister; they were both born on the 29th of August. And while my sister was born in the year 1985, Michael Jackson was born in the year 1958, just a reverse of the last two figures.

Before the age of six, he was a television personality. He thrilled crowds and audiences with his wizardry in music and dance. He never knew what it was to have a normal childhood with friends and all; he never experienced the fun of childhood because of the glamour and fame that encompassed him at a very early age.

This man happens not only to be the greatest musician of all time, but also my greatest musician of all time. My greatest wish, of which I always told my friends, was to have the opportunity to see Michael Jackson ‘The Legend’ live on stage in my city (Calabar, Nigeria) or anywhere else.

This was a man that made me scream and shout when he was on stage. He had moves that could boil the blood and keep one’s adrenalin on maximum. He was and is an enigma. His career was that of a genius. There was no doubt he was a special gift from heaven.

No musician before and even today has been able to appeal to both the young and old, rich and poor, black & white like Michael Jackson did.

Michael a pure Legend you are.

I am sure of this very thing - There was none as talented before him and they will be none as talented after him, even now and in the world to come.

LONG LIVE YOUR MUSIC & INGENUITY

Your Loyal Fan, Admirer, Well-Wisher...
Eta Eta Uso (Jnr)

Saturday, January 31, 2009

A TRUE WIFE – HER QUALITIES


A wife of distinctive character who can find? She is worth more than silver and gold. A woman of such value is a gem to behold and her husband has full confidence in her. She brings him good and not sorrow all the days of her life. She gets up while it is still dark; she provides food for her family and portions for her servant girls. A wife of noble character is strong and positive in all her task. She opens her arms to the poor and extends her hands to the needy. When it snows, she has no fear for her household; for all of them are clothed in scarlet. She makes clothing for her bed; she is clothed in fine linen and purple.

A wife of noble character is priceless and her husband is respected at the city gate where he takes his seat among the elders of the land. A wife of noble character is clothed with strength and dignity; she can laugh at the days to come. She speaks with wisdom and faithful instruction on her tongue. She watches over the affairs of her household and does not eat the bread of idleness. Her children arise and call her blessed; her husband also, and he praises her. Many women do noble things but you surpass them all.

Charm is deceptive and beauty is fleeting; but a woman who fears the “Lord” is to be praised.

Give her the reward she has earned, and let her works bring her praise at the city gate.


N/B: He who finds a wife; finds a good thing and obtains favour from the Lord.

*With inspiration from the Holy Bible

Friday, January 30, 2009

DONALD DUKE – A LEADER WITH SIX-SENSES
















He came from Akpabuyo Local Government Area of Cross River State. Was barely known in the society, then suddenly, in 1999, he came into power as the Executive Governor of Cross River State and then “CHANGE CAME”.

A man of vigour and great influence had assumed the seat of power. His visions were divine; they could not be comprehended by normal men. His walk was charismatic and his looks could cause ships to move on dry-land. This factors he possessed, made him sell out and made people follow up on his dreams even when they did not believe in it, as his dreams and vision for a state that was almost lost in history and politics of the nation was above mortal standards.

He rose up like an Eagle, with a dream to place the map of the world in Cross River State and not vice-versa, and “He did IT!” The world was coming to Cross River. This living legend, whose name has been printed in diamond in the sands of Cross River State and never to be forgotten, re-engineered and revitalised the lost glory of Cross River State.
















He fully overhauled and re-engineered the now famous Obudu Ranch Resort. The resort boasts of the longest cable-car in Africa and the second longest in the world. This resort was fully equipped with five-star facilities and a world-class Presidential Suite, worthy of any President in the world.

This man of vigour and excellence with a high taste for beauty and neatness, brought “CHANGE” to Cross River State and changed its look forever, with perfect and daily swept roads and well lit streets, this little state in the South-South region of Nigeria was nicknamed “Little London” and was given prominence in Nigeria and abroad. All Cross Riverians at home and in diaspora were proud to say “I am a Cross Riverian”.

He re-engineered the education sector and fully setup a well and running State University which had 100% accreditation by the Nigerian University Commission (NUC) in all its courses, rare-achievement for many new academic institutions. This gave access to many Cross Riverians getting world-class university education and instant eligibility to participate in the compulsory National Service after graduation.

He scored another first when his above-mortal visions propelled him to declare December 1st to December 31st each year as a state holiday, thereby giving birth to the Cross River State Christmas Festival. He scored yet another first in bringing world-class international artistes to perform “FREE” at heavily populated shows during the festival. He is the mastermind behind the Calabar Christmas Carnival which draws Cross Riverians, Nigerians, Foreigners and Corporate bodies from all works of life to Calabar, therefore providing sky-rocketing profits for accommodation providers in Cross River State.

And then...

















What proved him to be a man with a six-sense of Vision, was his vision for TINAPA BUSINESS RESORT. This was a vision to bring Dubai to Calabar, thereby cutting all traffic from the Emirate City to the Paradise Land (CALABAR)...AND HE DELIVERED!!!

History will never fully be written about this man because writing cannot comprehend his works and his beyond-human visions, which he brought to reality in a place where no-one thought it could.

You were awarded with CON (Commander of the Order of the Niger) and you deserved it.

You are a MASTERPIECE!!!

Written by Eta Uso (Jr.) (A witness to this feats)

CALABAR CHRISTMAS CARNIVAL 2008

The 2008 Christmas Festival started in the City of Calabar, Cross River State, Nigeria, on the 1st of December, amidst fun and excitement. The festival was marked opened with a city-walk against HIV which was then rounded up at the Cultural Centre Calabar by the launching and opening of the Christmas Village by the Governor of Cross River State, His Excellency, Senator Liyel Imoke and his dear wife Her Excellency, Obioma Imoke.
















Amidst lots of shows and activities that brought international and local artistes to perform free to the delight of citizens and foreign tourist including holiday-seekers, the main event that drew celebrities, individuals and corporate organizations from all works of life was the 2008 Christmas Carnival held on the 27th Dec. 08. The Carnival has been a routine since 2005 and the one of 2008 showed that there was always an upgrade every year.














Turn-out was awesome and overwhelming, in attendance were local celebrities like Ramsey Noah, Ini Edo, Rita Dominic, 2Face Idibia and more, also in attendance were a number of international celebrities and lots of foreign tourists.

The Carnival is made up of 5 (five) main bands namely; Freedom Band, Master-Blaster Band, Passion 4 Band, Sea-Gull Band and also the Bay-Side Band. Also to spice it up where lots of corporate bands including the Police and Military bands.














































The 2008 Calabar Christmas Carnival was majorly sponsored by First Bank Nigeria PLC and Oceanic Bank Nigeria PLC.


N/B: Please ignore the dates on the pictures, it was due to my negligence when setting the time on the camera. All the pics you see here are from the 2008 Calabar Christmas Carnival.

The Carnival was worth its weight in GOLD!

Thursday, January 29, 2009

MEET JENNA THE ASTROLOGER

Three weeks ago, out of boredom, I decided to go online. After checking my mails and checking out if I had any new alerts in my Facebook and MySpace accounts , I came across this horoscope website by Jenna. I was browsing over the testimonials on how gifted she was in foreseeing events in the future. After all the great reviews of Jenna's clients, I decided to give it a try so I signed up for an initial reading of my "stars". Three days after, I received an email from Jenna herself. The email surprised me.

In a way everything she said was "somehow" true. I however decided to research more about Jenna and her website www.aboutastro.com. I was more surprised with what I have found out about her. She was a fraud. Her site does free astrology reading but you have to pay $60 to her by credit card in order for her to continue with the readings and if you delay, she will reduce it to $45. There were alot of reports from her clients that after paying, they received nothing. It was a complete hoax. So I am using this medium to inform the public..DO NOT FALL PREY!!!

Please lets hear from you. Kindly share your experience with Jenna in the comments section below.