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New Day New Notice from Talkcharge

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Venom14

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Deal Hunter Deal Hunter
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For money extortion, First talkchorge used RBI false notice & now even mentioned Supreme Court of India in fake notice. Scam at its peak.  No mainstream news is even convering this fraud. Lol.


Wishlist Champion Wishlist Champion
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I found advocate profile on LinkedIn https://www.linkedin.com/in/deepak-prakash-8...38


We all know they are big frauds, but what should our next steps be? 


Individually, we cannot do anything but unitedly, we can make him go to jail. We just need support of each other when we need


Many people here or in our circles know big people We should report this and make everyone talk about it

Even some Advocates can fight for us

Our goal is not just get money but also put him behind bars so that we can set example 

Helpful Helpful
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I am not encouraging users to exploit talkcharge but let me enlighten them about few legal aspects within my limited knowledge.

1) to pursue any legal action of criminal remedy, the onus is upon the prosecution or the complainant to prove their case so the million dollar question is how they can prove their contention that the user used it for commercial not at all for personal purpose unless and until the exploitation was done by that user in large scale.


2) Even for suppose, 10% of the users exploited in large scale, the complainant will focus mostly on those 10% only so rest of the 90% users will be safe as the complainant doesn't desire to waste much resources towards legal expenses just for paltry recoveries.


3) Regarding that huge exploiters too, as the cash back given is not in single one instance and it's done in multiple instances over a period of time, so one critical cross question the complainant has to answer to the court is that why such long period they are entertaining this exploitation and only after RBI took some action regarding some other policy aspect they suddenly woke up and falling after the users? so the complainant company themselves are the cause by their sheer negligence because had they been vigilant at the first instance itself the exploitation issue would have ended then and there itself and it certainly not reached to this large scale. Hence, for their own act of long long complacency they can't suddenly woke up now and coerce recovery proceedings against the users.

4) The last but not the least point is, pursuing case against one or two users is easy but more the users, the more complicated and tedious the proceedings will be to the complainant because of the tactics employed by the lawyers of the multi-party-opposition. It will surely leads to the settlement.

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Wishlist Champion Wishlist Champion
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Whats your views on this?

This time they sent mail via Advocate

Any Advocate here can help us with this

Even after RBI Notice https://rbi.org.in//Scripts/BS_PressReleaseDisp... Talkcharge should refund us money, but instead of refunding, they are still asking money and threating us

Wishlist Champion Wishlist Champion
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Now they are saying to refund our money because we used our service for business purposes, but many people have used their wallets for themselves or for friends

In the first legal notice, they said to give our money back to combile with RBI and after RBI issued notice, they gave now this  reason

Helpful Helpful
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So you have blurred the cashback amount in the notice..😂

Deal Hunter Deal Hunter
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Laxmi Cheat Fund is now available in talkchorge app

images1


Wishlist Champion Wishlist Champion
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Ye toh paisa lekar bhag gayi thi par Talkcharge jaise pareshan nahi kar raha hai
Deal Hunter Deal Hunter
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For money extortion, First talkchorge used RBI false notice & now even mentioned Supreme Court of India in fake notice. Scam at its peak.  No mainstream news is even convering this fraud. Lol.


Wishlist Champion Wishlist Champion
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I found advocate profile on LinkedIn https://www.linkedin.com/in/deepak-prakash-8...38


We all know they are big frauds, but what should our next steps be? 


Individually, we cannot do anything but unitedly, we can make him go to jail. We just need support of each other when we need


Many people here or in our circles know big people We should report this and make everyone talk about it

Even some Advocates can fight for us

Our goal is not just get money but also put him behind bars so that we can set example 

View 5 more replies
Cool Cool
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Lol, they ain't gonna do shit. The legal cost for fighting in a court will be more than the amount of the cashback they are thinking to recover from each user.

Wishlist Champion Wishlist Champion
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They have mentioned in the last line we also take legal charge from you for me it is 55k

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Deal Cadet Deal Cadet
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This is fun entertainment given by Talkcharge to get itself delay bankruptcy 


Nice watch xD lets see how they are gonna try their tricks xDDD we should learn from them TO BE SAFE from these MACLICIOUS tricks to extort money

Deal Cadet Deal Cadet
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Notice validity can be checked online whether its fake or not ... Since there is no refrence number in this notice its 100 percent fake , ignore it 

Wishlist Champion Wishlist Champion
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Feels like it 

Hope it is fake

Do you have any idea how can we take legal action them for harassing us then and now

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Deal Cadet Deal Cadet
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They have no legal ground to ask for money back as per my knowledge.
1) They have to prove that we have used their services for business and commercial use.
2) They have used the previous letters copy as reminder but those are null and void as in those they asked for money on behalf of RBI.
3) Which company will send legal notice costing Rs 55,000 to claim back their amount less than Rs 55,000? It doesn't make sense at all.
4) We also have a right to file a case against Talkcharge as they kept their users/customers in dark of not telling that don't have a wallet license from RBI.

Just completely ignore this and let RBI handle this, just 1 thing that the money in our talkcharge wallet is supposedly gone case.

Wishlist Champion Wishlist Champion
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Hardly anyone is used for commercial purposes, but mostly used for personal and for  friends

While adding money, they have not mentioned anything about cashback. Cashback can be used only personal, not business purposes.

And also, how they calculate this money? They have charged 20% extra for every charge for each transaction for many many months and the added money is more than usage, but they are still asking money

In short, ek toh chori upar se seena zori 
Deal Newbie Deal Newbie
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At least a legal notice should carry an act or section number which is not there so that's a fake notice, we need to look for an actual legal public notice to be sent to this company to get our money recovered and put them behind bars

Generous Generous
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1. Where are those old terms & conditions (unedited), do they mention clearly that its for personal use only?

2. How does talkcharge know usage was business usage? Do they have proof of the same?
Just transaction history with multiple numbers is not enough. Business use can be defined only if user generated reasonable profits, which can be proven from users bank accounts only I think.

3. A legal notice from a lawyer is more like a 'dhamki' in a legal way. An actual case may or may not be filed later. Notice from lawyer only means an intimation.

4. In my opinion, do NOT reply anything to these notices without consulting your own lawyer. If you have not used the talkcharge balance in ways they're claiming or ways which can be treated as business, you may send a counter notice.

btw, did you get any attachment with the email with any documentation clarifying which transaction were business transaction in nature etc? If not, and if you plan to send a counter notice, mention that they've failed to provide you with all the documentation that you'd need like transaction history, access to your account on website and the data they have about you. All needs to be disclosed.

But do note that although its not mandatory to respond to these notices, sometimes courts accept this argument that you have shown uncooperative behavior by not responding to the legal notice sent to you. But proper responses by your lawyer can handle that too, like you chose not to reply as you did not want to engage in any communication with a known offender which was already flouting RBI rules as well as Payment and Settlement Systems Act, 2007. The offender also previously lied to users creating an impression about RBI asking money back, this was mentioned by RBI itself.

https://economictimes.indiatimes.com/tech/start...

https://www.rbi.org.in/Scripts/BS_PressReleaseD...

But remember, everything is dependent on your usage. If they're able to convince that you recharged or paid bills for 20-30 unique numbers, it maybe seen as not personal use as people do not have these many numbers in their family.

Wishlist Champion Wishlist Champion
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Hardly 7 - 8 people but numbers are different because of various things like electricity, mobile , dth 

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Deal Newbie Deal Newbie
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Any forum to get them spoiled ?

First for doing fraud 2nd for harassment

Generous Generous
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they're already zero in business... they've no reputation in the first place which can spoil 😂
Deal Newbie Deal Newbie
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Why can't we take the help of RBI, do you have any email id, I have already reported to consumer forum and cyber fraud cell

Generous Generous
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RBI doesn't have authority to take action like this... and legal notice is not a fraud...
Deal Newbie Deal Newbie
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Do we fill that google form of KYC and bank details?

Wishlist Champion Wishlist Champion
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No Talkcharge can not be trusted anymore pata nahi aur kya kar dega
Deal Newbie Deal Newbie
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Is there any possibility to get police in our address for this kind of cases or registration of cases in court which may toruble our carrier ? 

I have also received a mail from the fraud company not I am in complete distress. For an individual it's almost impossible to get an advice from a law firm to reply these kind of legal notices fighting against these kind of giant is impossible. 

Helpful Helpful
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I am not encouraging users to exploit talkcharge but let me enlighten them about few legal aspects within my limited knowledge.

1) to pursue any legal action of criminal remedy, the onus is upon the prosecution or the complainant to prove their case so the million dollar question is how they can prove their contention that the user used it for commercial not at all for personal purpose unless and until the exploitation was done by that user in large scale.


2) Even for suppose, 10% of the users exploited in large scale, the complainant will focus mostly on those 10% only so rest of the 90% users will be safe as the complainant doesn't desire to waste much resources towards legal expenses just for paltry recoveries.


3) Regarding that huge exploiters too, as the cash back given is not in single one instance and it's done in multiple instances over a period of time, so one critical cross question the complainant has to answer to the court is that why such long period they are entertaining this exploitation and only after RBI took some action regarding some other policy aspect they suddenly woke up and falling after the users? so the complainant company themselves are the cause by their sheer negligence because had they been vigilant at the first instance itself the exploitation issue would have ended then and there itself and it certainly not reached to this large scale. Hence, for their own act of long long complacency they can't suddenly woke up now and coerce recovery proceedings against the users.

4) The last but not the least point is, pursuing case against one or two users is easy but more the users, the more complicated and tedious the proceedings will be to the complainant because of the tactics employed by the lawyers of the multi-party-opposition. It will surely leads to the settlement.

Wishlist Champion Wishlist Champion
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But after this, many people were afraid, and some sent money also 
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Helpful Helpful
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What was the loot? I don’t remember any major loot

Deal Newbie Deal Newbie
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Talkcharge वालों को उसकी औकात कैसे बताएं

सारे लोग मिलकर एक साथ कंप्लेंट करें आरबीआई को cyber crime ko

Deal Newbie Deal Newbie
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Is there some Advocates can fight for us?

Deal Newbie Deal Newbie
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https://inc42.com/buzz/rbi-directs-talkcharge-t...

The Reserve Bank of India (RBI) has once again directed payments platform TalkCharge Technologies to cease operation and issuance of its prepaid payment instruments (PPIs) and refund the remaining amount lying in these wallets to customers.

Earlier this month, the central bank cracked down on the company for offering PPIs on its website and app without obtaining the requisite certificate of authorisation. The platform has been directed to refund the balances in these customer wallets by May 17.

However, in a clarification issued on Thursday (April 25), the RBI said that the fintech platform had issued a legal notice to its customers and demanded repayment of the cashback amount.

The legal notice also purportedly warned that those not returning the cashback payments would be reported to the RBI. However, the central bank rebuked the claims and said that it only issued directions for refunding the amount lying in the wallets to customers.

“… the entity has created an impression in the minds of its customers that demand for repayment of cashback amount is being made as per the directions of the RBI. It is clarified that the RBI has only directed the entity (TalkCharge.) to refund the prepaid amount lying in the wallets, to the customers,” added the RBI.

Deal Cadet Deal Cadet
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They can't do sh!t, i was in similar soup against zerodha and mcx. They forgot to square off my overnight position when my margin got hit. And then asked me pay for the total amount. They will try to send notices, i send back my counter argument. Coz they don't have legality to fight the case. I was even summoned to online court during covid,but guess what, mama Kitna legal hai ki judge also be able to give proper decision. In all this, they will take the loss and move on

Wishlist Champion Wishlist Champion
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Share more information of about your case 

It will helpful for many

Helpful Helpful
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Those who have affordable cashback amount just return them why get into the trouble. Later fight that issue if you want fight.

Wishlist Champion Wishlist Champion
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That not the problem many people can return money easily but biggest problem will they stop this after this?

Tomorrow they will bring something new ask money 

In Last few months just see they
  • Introduced high cashback upto 100x
  • Asked foe 20% convenience charge
  • Increased recharge failure
  • asked money in the name of priority pass
  • implemented you can use only 10%
  • completely stopped usage of cashback
  • send notice in the name of RBI
  • Asking aadhar details and bank details in google form
  • and finally send notice via lawyer
Do you think they will stop?
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Deal Newbie Deal Newbie
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Governing Law & Jurisdiction This Agreement, along with the rights and obligations therein, as well as the relations between the parties and all matters arising under or in connection with this Terms of Use, encompassing the construction, validity, performance, or termination thereof, shall be governed by and interpreted in accordance with the laws of the Republic of India. Without prejudice to amicable settlement attempts, the courts in Gurgaon, Haryana, shall hold exclusive jurisdiction over all matters arising in connection with your utilization of the TalkCharge Services or other matters covered herein.Disputes, differences, or concerns, if any, should be raised within 30 days of the occurrence or non-occurrence of an event related to TalkCharge Services, except in the case of unauthorized transactions on Your TalkCharge Account, which must be reported as soon as You identify the issue. Investigation for such disputes is subject to the terms of use of the TalkCharge Platform.

Wishlist Champion Wishlist Champion
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?

Deal Newbie Deal Newbie
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Only haryana court jurisdiction is there ....than how advocate supreme court of india can send legal notice

Wishlist Champion Wishlist Champion
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Jab scam karna toh khuch bhi kar sakte hai

Deal Newbie Deal Newbie
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Only haryana court jurisdiction is there ....than how advocate supreme court of india can send legal notice

Deal Newbie Deal Newbie
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TALKCHARGE company went bankrupt, they don't even have money to pay the rent for their office.

Wishlist Champion Wishlist Champion
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Any one given reply to notice or all are ignoring?


Deal Newbie Deal Newbie
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Look at the email address through which this email is sent - [email protected]

It's another fake notice by them to scare users into paying for their frivolous lifestyles

Legal notices are sent by law firms, not by company noreply email account.

Can be safely ignored IMHO

Wishlist Champion Wishlist Champion
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Legal notice can send from client mail also but the fraud used noreply mail 

Good advantage for us in future 

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