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Credit Sudhaar asking Rs16,000 a year for restoring 'credit'?

Credit Sudhaar, a non-specified user entity is sending mails to people whose loans have been rejected. It not only claims to enhance and protect but also 'restore' credit of individuals for a yearly fee of Rs16,000. However, the firm has no answer about how it could do the job

Is Credit Sudhaar, a firm set up by former bankers Gaurav Wadhwani and Arun Ramamurthy,  again misleading people through tall claims in a mail campaign? (http://www.creditsudhaar.com/welcome_3.php ) Its inability to answer Moneylife’s queries about its claims would suggest it is the case. Earlier too the firm had claimed to have a tie up with Credit Information Bureau (India) or CIBIL and was offering credit advisory services at CIBIL Market Place. Till today, both Credit Sudhaar and CIBIL have kept mum about their ‘strange’ collaboration. But more about it later.

 

Meanwhile, at an open house with Dr KC Chakrabarty, deputy governor of the Reserve Bank of India (RBI) an inmate claimed that when CIBIL sends a defaulter report, that person also gets an SMS from Credit Sudhaar, suggesting a partnership. 

 

In the recent email campaign, Credit Sudhaar is asking people to become its members by paying an annual fee of Rs16,000 (earlier it used to ask Rs10,000 for the same job at CIBIL Market Place). It claims with this kind of membership fees, one can “restore, enhance and protect” one’s credit! Here is what Credit Sudhaar claims to provide in lieu of the Rs16,000...


When we asked Mr Wadhwani and Mr Ramamurthy to explain, how exactly this works, they avoided providing answers. Instead, Mr Ramamurthy, forwarded our mail to their PR agency, which, sought a week to reply. When we requested the agency for answers, T (Talari) Anand Mahesh, managing director of Mavcomm Consulting Pvt Ltd (the PR agency) cautioned us against publishing any content pertaining to Credit Sudhaar without receiving a suitable response by the authorised persons or directors.

 

“If you choose to go ahead, you and your company shall do so at your own peril and costs,” Mr Talari said.

 

Here are the questions we asked to Credit Sudhaar...

 

1.   As mentioned in our stories (Credit scores are a big zero and http://foundation.moneylife.in/?th_galleries=experian-credit-score-camp ), not all credit bureaus in India are providing detailed CIR or credit scores to individuals (due to lack of data). So how "Multibureau Analysis of CIBIL, EQUIFAX, EXPERIAN Credit Reports" works?

2.   As per our information and understanding, there is no training facility or institute for credit counsellors in India. How and from where your counsellors are trained and received certification?

3.   Is the National Association of Certified Credit Counsellors (NACCC) accreditation recognised or accepted in India? If yes, then can you please tell us names of the entities who recognise or accept this accreditation in India?

4.   Your mailer claims to provide "error tracking and reconciliation". Can you please explain what exactly does one (and how) reconcile a credit report?

 

Till writing the story, neither Mr Wadhwani and Mr Ramamurthy nor Mr Talari has provided any answers. We will incorporate their answers as and when we receive it.

 

Coming back to Credit Sudhaar's earlier tall claims, there is still no word from CIBIL on this strange partnership. Earlier, in an email, CIBIL had said, “It is important to note that to access CIBIL Market Place, consumers access their own credit report and score. The service is available to the consumer if he chooses to avail of it and not otherwise. This approach works well for consumers who have good credit health but is not effective for consumers who do not. Consumers who are in a debt trap and not financially literate are not able to identify assistance easily if they need it.”

 

Surprisingly, at that time Credit Sudhaar sent us a screen grab of the CIBIL Market Place . The images showed Credit Sudhaar as the only entity providing any service to customers at CIBIL Market Place.

 

Moneylife then pointed out to CIBIL that Credit Sudhaar was neither registered with the Reserve Bank of India (RBI) as a non-banking finance company (NBFC) nor it was a specified user entity of the credit bureau and was still accessing credit records of crores of individuals.

 

Credit Sudhaar is just a specific services provider. CIBIL was allowing credit institutions and others to sell their loan products or other services on its Market Place. Credit Sudhaar was only registered on Market Place to offer “credit advisory” service for which the charges were Rs10,000 (it was mentioned as processing fees).

 

In an email reply, the firm had said, “Credit Sudhaar is associated with both Safe Capital and Dipran. Both Safe Capital and Dipran are members of CIBIL”. This also means, Credit Sudhaar may be using either Safe Capital or Dipran’s login credentials to access the CIBIL database, especially the portfolio review, which gives complete details of an individual.

 

CIBIL replied, saying, "With specific reference to the suggested misuse of benefits by certain of our Members, we are investigating the same and will take appropriate action." There is still no word from CIBIL on the investigation.

User

COMMENTS

Shashi Mishra

2 weeks ago

Worst service. Don’t ever trust on them as they will give fake promises and later on turn out. Initially they will tell you that they will improve your cibil and get the black marked things out from your record, but once you will pay them huge amount their promises get vanished. Don’t trust them they are fraud.

Vinay Kadalagi

2 months ago

Credit sudhar is a purely a scam. Do not believe the credit scores they show on their website. My current score is 783 but on their website it is still 550. They mislead people to earn money. Better rectify your issues on your own, it will take time but not impossible.

Harjeet Matharu

3 months ago

Hi,

I might be the most disappointed customer of the Credit Sudhaar services and certainly would not recommend this to anybody. I had doubt about your company and its services even prior to the subscription per the reviews available on multiple webpages and blogs. I still took a leap of faith and went ahead with services but Credit Sudhaar proved me wrong. Every time I experienced disappointment from a new person at Credit Sudhaar.

Let me tell you my story of grievance now. On May 27th, 2016 Usha was the first lady to call and convinced me for the subscription. That was the day when I made a blunder of joining with Credit Sudhaar services.

As soon I paid for the services my case was assigned to Pooja Raut, unexpectedly she left the case only just after 3-4 days. Nobody followed up on the case up-to a week and when I called myself at the customer care and asked for her, I was surprised to know that she had left the organization. I was promised the case will be taken care of and a new counsellor will be assigned to my case soon.

Then waiting for about 3-4 days, I received a call from Veena on 5th June, 2016. I already had enough dissatisfying experience from Credit Sudhaar that I told her just to drop the case and requested for a full refund. She then assured me that it won’t happen again and urged to give a last chance to Credit Sudhaar to convert the bad experience to a good one. She had been good in following up on regular basis but the resolution outcome was least.

On Aug 5th, 2016 I received the last response from her and she also left the case in between.

Again, in shock I called the helpline and got to know that she has been moved to a different dept. and a new counsellor will be assigned to the case soon.

Now, at this point you can understand the level of frustration I had. Then after 44 days on Sep 19th, 2016 I received an email from Gilbert Benjamin, who introduced himself as a new counselor for my case. In deep pain, I told him my whole concern that how I have been struggling to find a solution for my problem and every month the case is passed on to a new person. I was assured by him that the case will now be taken care on a personal note and this will not be repeated. I know that man as the most dedicated and helpful to understand and empathize my concern. He put himself into my shoes and understood the pain. He genuinely followed up on the case. I received last response from him on Oct 12th, 2016 and then all of a sudden he disappeared. I wrote him a few emails to contact me but got no response. Waited for more than a month but nobody from Credit Sudhaar followed up.

Then once again a new email comes Credit Sudhaar on Nov 21st, 2016. Rahul Sharma expressed himself as a newly appointed person for my case and again the same reason was given to me that last person has been moved to a different dept. and no longer available to follow up on the case. I upfront refused him to follow up since I can’t bear this anymore. His manager Kaynat called me today and asked to write an email to withdraw the case and get the refund.

Currently, I am so pissed off with your services. I earn by doing hard work and paid Rs. 5724/- towards my CIBIL score improvement and not for this mental harassment. I have been experiencing nothing but disappointment from Credit Sudhaar and you have hardly contributed to improve my score. This is a setback for me and I feel like cheated by every person of yours. I don’t need any further support from Credit Sudhaar. Since it was promised to me by Veena if we fail to provide a solution you are worthy of a full refund. Now, because all of this pain I ask Credit Sudhaar to refund full amount paid towards the services back to my account ASAP.

Harjeet

REPLY

Sucheta Dalal

In Reply to Harjeet Matharu 3 months ago

We request you to check out the work at Moneylife Foundation, a not for profit organisation. http://foundation.moneylife.in At our Daily Clinics on Friday, between 5 pm and 7 pm we have a senior banker devoting time to help individuals like you sort our their problems. This guidance is provided FREE. There are no strings attached. Nor is there any attempt to sell you any product or service. We are surprised that more people do not take advantage of this instead of spending money on paid services.
You must however remember that our counsellors will offer advice, guidance and hand-holding. You will have to do the work yourself. But then, it is your life, your credit history and your financial life at stake. You must invest the time in sorting it out.
While you are on the website, do look under EVENTS and watch some videos on credit scores and credit related issues. Those are also FREE and will help you make your future financial life problem free.

R.Mekala

1 year ago

shall i get personal loan from
credit suddhar

REPLY

Ishika

In Reply to R.Mekala 11 months ago

Dear Sir/Madam,

Credit Sudhaar will first help you to check your credit score and if its healthy only then they will recommend you to go for a loan. If the score is low below the minimum required limit they will help you to increase it and make you eligible for a loan. I would advise you to go for a loan via credit sudhaar.

Ishika

In Reply to R.Mekala 11 months ago

Dear Sir/Madam,

Credit Sudhaar will first help you to check your credit score and if its healthy only then they will recommend you to go for a loan. If the score is low below the minimum required limit they will help you to increase it and make you eligible for a loan. I would advise you to go for a loan via credit sudhaar.

KKABIRR

2 years ago

hi all ,


i have got best service from credit sudhaar
My Cibil score has been rectified really appreciating and highly recommended

Anand Pagare

2 years ago

Yes, it seems all they are cheater they.. How can they ask for money payment to increase the credit- sudhar, this is not the correct way. There is something need to by New Government..

Where is Acche Din? for the peoples who are suffering due to low credit score?

This policy should be in Aam Adamin favor only.

Who can able to take responsibility?

Praveen

3 years ago

please don't go with credit Sudhar they are the cheaters

Praveen

3 years ago

Please do go with Credit Sudhaar they are the cheaters.every time they send email with no response

Sucheta Dalal

3 years ago

There are many comments here from those of you who need help with credit counselling and getting your credit scores corrected

Instead of paying more money, why dont you come to Moneylife Foundation, which is FREE and seek the help of an excellent counsellor who is a retired DGM of the RBI?

write to foundation@moneylife.in or call 022-49205000 and say it is for Disha Financial Counselling.

If you really want to solve your issue rather than look for a quick-fix or short cut, this is where you must seek help.

While you are here, make the effort to read what we have written here on credit scores etc. It is important for your financial life!

Ajai Rana

3 years ago

Bull shit They will not do anything I paid the money but nobody turned up. I kept chasing the so called councilor but either his extension was busy or he is not in office the reception people take your messages and promise a call back from them but no body will call you.
They charge you upfront and once the money is paid no one is going to listen just don't believe these cheaters talk to bank people straight away and they will listen to you if not then send them an email they have to and they will respond.
If still you need any help just let me know I will help you with the emails of the banks.

Amit Sharma

3 years ago

They can't do anything to help in improving your credit scores. It's you who can improve your scores.

How?

1- Maintain and monitor your accounts monthly.
2- Pay your bills on time.
3- Use 35% of total credit limit of your cards.
4- Make payments in full every month.
5- Review your credit report before applying for a credit card or loans.
6- Do not apply for many credit cards or loans back to back.

I hope it may help.

Regards
Amit Sharma

REPLY

Pankaj Rawat

In Reply to Amit Sharma 2 years ago

Yes, 100% correct I agreed with Amit.

Ganesh

3 years ago

Credit Sudhar are the biggest cheats. Never get enrolled. They do nothing for what you pay. Pathetic service and their so called counsellors have no knowledge or will to help people.
I wasted my 12K and got no help from them and finally i was left to solve all my problems on my own.
Trust me, i was able to get all my problems on my own and i even got a home loan in 4th month. Now i am fighting with these guys to get my money back.
There are lot of financial advisors available in your neighbourhood. Show your cibil report and take their advice. Approach the Bank or RBI directly on your issues and it will get resolved.
Dont waste your time and money on such cheating companies.

REPLY

Ganesh

In Reply to Ganesh 3 years ago

I am a Credit Sudhaar member and my CSID (Credit Sudhaar id) is 14537.
They have rejected my request to refund my money and they are forcing me to continue their so called services for one year.
I would have been happy if they had at least done a penny worth of help in resolving my issues.
The most disgusting thing is, that they made me to pay for my Cibil report (which was supposed to be included in their 12K package) claiming that they will refund it later and this never happened.
I had a most useless person on earth called Mr. Jai as my counselor who didnt even had courtesy to answer calls or reply to emails.
My honest advise to everyone is not to fall in their trap. They cannot do anything other than sending some crap SMS. Instead google and read some good articles on improving your credit score. There are lot of them available on internet.

Please dont waste your money on such bogus companies and instead use the same money to pay your balances which will in turn help you to sort out most of your issues or in best case, donate it to some charity.

tushar

In Reply to Ganesh 3 years ago

I am also fighting to get my money back from credit sudhaar. i was stupid to not review it before enrolling.

anshuman

In Reply to Ganesh 3 years ago

hi ganesh,
Can you please share your mail id with me.Even i have got a call from them regarding the same .
please drop me a note @ anshuman.adas@gmail.com

Sucheta Dalal

In Reply to anshuman 3 years ago

Dear Ganesh,
Sorry to hear your case.
However, this exactly is the reason why we have started Moneylife Foundation.
Moneylife Foundation, ICICI Bank and DISHA Financial Counselling are here to guide you, FREE of cost!
Kindly check http://foundation.moneylife.in/?page_id=....
Hope this helps.
Thanks,
MDT

MDT

In Reply to Ganesh 3 years ago

Dear Ganesh,
Sorry to hear your case.
However, this exactly is the reason why we have started Moneylife Foundation.
Moneylife Foundation, ICICI Bank and DISHA Financial Counselling are here to guide you, FREE of cost!
Kindly check http://foundation.moneylife.in/?page_id=...
Hope this helps.
Thanks,
MDT

Priya

4 years ago

RBI should be regulating such business practices.

Instead of providing transparency and allowing for individual users to perform error tracking and resolution, they are allowing a private entity to profit at the expense of indigent customers.

Most of the folks who have debt problems are going to be fairly naive about these issues.

Vidyut

4 years ago

Cibil and Credit Sudhaar model reminds your of The Kid by Charlie Chaplin. The kid breaks the window and the father just happens to be there to fix it. Same thing here, much bigger in scope. Thugs

Ajay Jha

4 years ago

Not sure why the agency has been named. Seems like free publicity for them. It seems they were doing their duty well.

Suicides: Thousands of helpless men are victimized every year, says SIFF

Often women are portrayed as victims, while men are seen as abusers. The arrest of Suraj Pancholi in the Jiah Khan Suicide case is not an example of the perils of lovesick women, but more evidence of an irresponsible police force says Save Indian Family Foundation, a non-profit NGO fighting for men’s rights, gender equality and family harmony

Suraj Pancholi, son of Bollywood actor Aditya Pancholi, was arrested and sent to jail for abetting the suicide of actress Jiah Khan. The actress attempted suicide eight months ago and nothing was done to ensure that she does not repeat it. Is suicide a solution to break-ups or separation?  It is absurd to assume that all human relations will remain everlasting in this age of modernity. Women are portrayed as victims, while men are seen as abusers. Pancholi’s arrest is not an example of the perils of lovesick women, but more evidence of an irresponsible police force, says Save Indian Family Foundation (SIFF), a non-profit NGO fighting for men’s rights, gender equality and family harmony.

 

According to a release from SIFF, Suraj Pancholi is not alone. Thousands of men across India have faced threats of suicide from their wives from time to time, if they do not meet her unreasonable demands. These men are scared. These abusive wives refuse to come to a counsellor or a psychiatrist. These men cannot run away from home or file for divorce, fearing that this may prompt her to commit suicide. They suffer mental and physical abuse from possessive, controlling and suspicious wives. In fact, the society laughs at them as “harassed husbands” rather than helping the man and making arrangements for counselling of such women. This phenomenon is now getting extended to relationships before marriage, as well. Being obsessively possessive and controlling is not a sign of love.

 

“India is sitting on a ticking time bomb as the society refuses to recognize the issue of threats of suicide inside marriages or in relationships. Society just behaves as if such incidents are rare or wishes that this problem will go away on its own. Then, it recommends revenge on the man if the woman commits suicide. Home ministry data says, 24% of all suicides in India are due to family reasons and 3.4% due to failed love affairs,” SIFF said.

 

This abetment to suicide law is very selectively applied by the police. When a husband commits suicide blaming torture by wife and in-laws, the police refuse to arrest the woman and her parents. However, if a wife commits suicide, the husband and in-laws go to prison for six months to two years and are presumed guilty until proven innocent. Is the life of a man cheap? Males are the disposable gender.

 

According to the NGO, Suraj Pancholi and many men are victimized as the hatred against men is fuelled by mass hysteria after incidents of rape. SIFF demands an end to large scale gender hate, stereotyping and the attitude to judge men harshly. If hate cannot solve communal or religious problems, then why it is assumed that blaming men and spreading hate against men will solve crimes against women?

 

Threat of suicide by man is actually defined as domestic violence under the Protection of Women from Domestic Violence Act (PWDVA), which is applicable to both marriages and live-in relationships. A woman can get a restraining order from a court against her husband and boyfriend if they threaten suicide. However, society and the women’s organizations force the government to refuse to protect men from such forms of domestic violence. If they had, then Suraj Pancholi would have got a restraining order and would have legally forced Jiah Khan to get psychiatric help.

 

Many actors like Shah Rukh Khan to Amitabh Bacchan have publicly proclaimed, “I am ashamed of being a man”. Shaming all men for the crimes of a few is nothing but anti-male hate or misandry. If misogyny is not healthy for the society, then how can misandry create a better society? We hope, Bollywood actors realize that in this grave hour, SIFF said.

User

COMMENTS

ramchandran

4 years ago

excellent assessment , we are indeed sitting on a time bomb. The issue also is aggrevated by our joint family system.In these times & age the values have changed parents unfortunately do not recalibrate their relationships with their children & with these kind of laws the women take advantage of it without realizing their impact.

rohan gupta

4 years ago

Plz Save Suraj from 498A otherwise innocents will be framed! If c was depressed and left alone2move on then plz dont frame him to spoil his life!

Defenders of NSA surveillance omit most of Mumbai plotter’s story

Officials say National Security Agency intercepts stopped David Coleman Headley's planned attack in Denmark, but sources say a tip from the British led to his capture after the US failed for years to connect multiple reports of terror tie

June 12:
This story has been updated with NSA Director Gen. Keith Alexander's Senate testimony on surveillance.
 

Defending a vast program to sweep up phone and Internet data under antiterror laws, senior U.S. officials in recent days have cited the case of David Coleman Headley, a key plotter in the deadly 2008 Mumbai attacks.
 

James Clapper, the director of national intelligence, said a data collection program by the National Security Agency helped stop an attack on a Danish newspaper for which Headley did surveillance. And Sen. Dianne Feinstein, D-Calif., the Senate intelligence chairwoman, also called Headley's capture a success.
 

But a closer examination of the case, drawn from extensive reporting by ProPublica, shows that the government surveillance only caught up with Headley after the U.S. had been tipped by British intelligence. And even that victory came after seven years in which U.S. intelligence failed to stop Headley as he roamed the globe on missions for Islamic terror networks and Pakistan's spy agency.
 

Supporters of the sweeping U.S. surveillance effort say it's needed to build a haystack of information in which to find a needle that will stop a terrorist. In Headley's case, however, it appears the U.S. was handed the needle first — and then deployed surveillance that led to the arrest and prosecution of Headley and other plotters.
 

As ProPublica has previously documented, Headley's case shows an alarming litany of breakdowns in the U.S. counterterror system that allowed him to play a central role in the massacre of 166 people in Mumbai, among them six Americans.
 

A mysterious Pakistani-American businessman and ex-drug informant, Headley avoided arrest despite a half dozen warnings to federal agents about extremist activities from his family and associates in different locales. If those leads from human sources had been investigated more aggressively, authorities could have prevented the Mumbai attacks with little need for high-tech resources, critics say.
 

"The failure here is the failure to connect systems," said a U.S. law enforcement official who worked on the case but is not cleared to discuss it publicly. "Everybody had information in their silos, and they didn't share across the silos. Headley in my mind is not a successful interdiction of a terrorist. It's not a great example of how the system should work."
 

Officials from Clapper's office reiterated this week that he was referring to the prevention of Headley's follow-up role in a Mumbai-style attack against Denmark's Jyllands-Posten newspaper, a prime target because it published cartoons of the Prophet Muhammad that many Muslims found offensive. To that extent, Clapper's comment shed a bit of new light on this aspect of a labyrinthine case.
 

Separately today, NSA Director Gen. Keith Alexander told a Senate committee that surveillance conducted by his agency helped disrupt "dozens" of attacks aimed at the U.S. and elsewhere. According to The Washington Post, Alexander cited the Headley case and promised to make more information public about the success of the NSA's phone surveillance program, which captures "metadata" such as number, time and location of but not the content of calls.
 

In January, a federal judge in Chicago imposed a 35-year prison sentence on Headley, 51, for his role in Mumbai and the foiled newspaper plot. He got a reduced sentence because he testified at the federal trial in Chicago of his accomplice, Tahawurr Rana, who was sentenced to 15 years in prison.
 

Headley confessed to doing undercover surveillance in Mumbai for the Lashkar-e-Taiba terrorist group and Pakistan's Inter-services Intelligence Directorate (ISI). U.S. officials also charged a major in the ISI with serving as Headley's handler before the attack in November 2008. Pakistan denies involvement.
 

In early 2009, according to trial testimony, Lashkar and the ISI sent Headley on a surveillance mission to Denmark. After he returned to Pakistan, his Lashkar and ISI handlers backed off. But Headley continued the plot with support from al-Qaida, whose leaders wanted a team of gunmen to attack the newspaper offices in Copenhagen, take hostages and throw their severed heads out of the windows.
 

Headley returned to Europe from Chicago for a second reconnaissance mission that July. The official version has been that he was detected at this point — but not by U.S. agencies.
 

Instead, U.S. and European counterterror officials have told ProPublica in interviews that British intelligence learned of Headley's contact with al-Qaida operatives near Manchester, England, who were already under surveillance. Headley planned to meet with the extremists in hopes they would supply money, arms and personnel for the Denmark attack.
 

"Headley was an unknown until not long before his arrest," a senior U.S. counterterrorism official told ProPublica in 2010. "He came to light because of the British. They knew him only as 'David the American.' [The British] MI5 [security service] detected that he was in contact with a group in the U.K. that they were watching ... David had made direct contact with two of the main targets of the U.K. investigation."

On July 23, 2009, the FBI asked U.S. Customs and Border Protection analysts in Washington, D.C., for assistance identifying a suspect who would travel shortly from Chicago via Frankfurt to Manchester, according to U.S. officials interviewed in 2011. The tip described a suspected American associate of Lashkar or al-Qaida with only his first name, flight itinerary and the airline, officials said. The customs analysts identified Headley through their databases containing records of his previous travel and interviews by U.S. border inspectors.
 

Headley went on to Sweden and Denmark. Alerted by U.S. agencies, Danish intelligence officers followed him as he scouted targets in Copenhagen and tried to find sources for guns, according to court records and interviews with counterterror officials. In the United States, court-approved FBI surveillance continued after his return in August and until his arrest that October, according to counterterror officials and court records.
 

Officials in Clapper's office declined to comment on accounts of the British tip. But they said that information lawfully gathered under the Foreign Intelligence Surveillance Act was integral to disrupting the attempted attacks on the Danish newspaper. This does not rule out other sources of information at other points in the investigation, the officials said.
 

Separately, the U.S. law enforcement official familiar with the case also said this week that a British communications intercept first detected Headley. Because the NSA works closely with its British counterparts, at that point U.S. intelligence agencies likely became involved in reviewing communications records to identify Headley and begin tracking his movements and associates, the official said.
 

"It was a communications intercept involving a bad guy in England," the law enforcement official said. "It was the Brits who passed us the info. Without knowing all the gritty technical details, [Clapper's depiction] definitely fits with my understanding."
 

The 30,000-page case file in Chicago remains wrapped in secrecy. Prosecutors have not said how investigators first detected Headley. Once he was under investigation by the Chicago field office of the FBI, agents intercepted his calls and emails and retrieved NSA intercepts of previous communications to build the case, according to court documents and ProPublica interviews. During questioning after his arrest, FBI agents confronted him with information from NSA intercepts as well as foreign intelligence agencies, the senior counterterror official said.
 

"What it may have allowed them to do is to go back and find emails and calls and map his movements," said Charles Swift, a lawyer for Rana, the Chicago accomplice.
 

Headley began cooperating after his arrest, turning over his computer and giving the FBI access to his email accounts. Swift said he is not aware of anything in the case to suggest that the disputed NSA programs identified Headley, though he acknowledged that defense lawyers were not shown the government application for a warrant to monitor Headley under FISA.
 

Swift called the case a dramatic example of the limits of the U.S. counterterror system because both high-tech and human resources failed to prevent the Mumbai attacks.

"You have to know what you are looking for and what you are looking at," Swift said. "Headley's the classic example. They missed Mumbai completely."

The Headley case is also problematic because of his murky past.
 

The convicted drug smuggler radicalized and joined Lashkar in Pakistan in the late 1990s while spying on Pakistani heroin traffickers as a paid informant for the Drug Enforcement Administration. His associates first warned federal agencies about his Islamic extremism days after the Sept. 11 attacks. Investigators questioned him in front of his DEA handlers in New York, and he was cleared.
 

U.S. prosecutors then made the unusual decision to end Headley's probation for a drug conviction three years early. He then hurried to Pakistan and began training in Lashkar terror camps. Although the DEA insists he was deactivated in early 2002, some U.S., European and Indian officials suspect that he remained an informant in some capacity and that the DEA or another agency sent him to Pakistan to spy on terrorists. Those officials believe his status as an operative or former informant may have deflected subsequent FBI inquiries.
 

The FBI received new tips in 2002 and in 2005 when Headley's wife in New York had him arrested for domestic violence and told counterterror investigators about his radicalism and training in Pakistan. Inquiries were conducted, but he was not interviewed or placed on a watch list, officials have said.
 

Headley was recruited in 2006 by ISI officers, who with Lashkar oversaw his missions, according to Headley's trial testimony and other court records.
 

In late 2007 and early 2008, another wife told U.S. embassy officials in Islamabad that Headley was a terrorist and a spy, describing his frequent trips to Mumbai and his stay at the Taj Mahal Palace Hotel. In fact, Headley was conducting meticulous surveillance on the Taj and other targets for an impending attack by a seaborne squad of gunmen.

Once again, U.S. agencies say they did not question or monitor him because the information from the wife was not specific enough.
 

Senior Indian officials believe the U.S. government did not need high-tech resources to spot Headley. They have alleged publicly that he was a U.S. double agent all along. U.S. officials strenuously deny that. They say Headley simply slipped through the cracks of a system in which overwhelmed agencies struggle to track threats and to communicate internally and with each other.
 

The final tip to authorities about Headley came from a family friend days after the Mumbai attacks. This time, FBI agents in Philadelphia questioned a cousin of Headley’s. The cousin lied, saying Headley was in Pakistan when he was actually at home in Chicago, according to trial testimony and court documents. The cousin alerted Headley about the FBI inquiry, but Headley went to Denmark as planned.
 

U.S. agencies did not find Headley or warn foreign counterparts about him in the first half of 2009 while he conducted surveillance in Denmark and India and met and communicated with ISI officers and known Lashkar and al-Qaida leaders.

 

Courtesy: http://www.propublica.org/

User

COMMENTS

Harjeet Matharu

3 months ago

Hi,

I might be the most disappointed customer of the Credit Sudhaar services and certainly would not recommend this to anybody. I had doubt about your company and its services even prior to the subscription per the reviews available on multiple webpages and blogs. I still took a leap of faith and went ahead with services but Credit Sudhaar proved me wrong. Every time I experienced disappointment from a new person at Credit Sudhaar.

Let me tell you my story of grievance now. On May 27th, 2016 Usha was the first lady to call and convinced me for the subscription. That was the day when I made a blunder of joining with Credit Sudhaar services.

As soon I paid for the services my case was assigned to Pooja Raut, unexpectedly she left the case only just after 3-4 days. Nobody followed up on the case up-to a week and when I called myself at the customer care and asked for her, I was surprised to know that she had left the organization. I was promised the case will be taken care of and a new counsellor will be assigned to my case soon.

Then waiting for about 3-4 days, I received a call from Veena on 5th June, 2016. I already had enough dissatisfying experience from Credit Sudhaar that I told her just to drop the case and requested for a full refund. She then assured me that it won’t happen again and urged to give a last chance to Credit Sudhaar to convert the bad experience to a good one. She had been good in following up on regular basis but the resolution outcome was least.

On Aug 5th, 2016 I received the last response from her and she also left the case in between.

Again, in shock I called the helpline and got to know that she has been moved to a different dept. and a new counsellor will be assigned to the case soon.

Now, at this point you can understand the level of frustration I had. Then after 44 days on Sep 19th, 2016 I received an email from Gilbert Benjamin, who introduced himself as a new counselor for my case. In deep pain, I told him my whole concern that how I have been struggling to find a solution for my problem and every month the case is passed on to a new person. I was assured by him that the case will now be taken care on a personal note and this will not be repeated. I know that man as the most dedicated and helpful to understand and empathize my concern. He put himself into my shoes and understood the pain. He genuinely followed up on the case. I received last response from him on Oct 12th, 2016 and then all of a sudden he disappeared. I wrote him a few emails to contact me but got no response. Waited for more than a month but nobody from Credit Sudhaar followed up.

Then once again a new email comes Credit Sudhaar on Nov 21st, 2016. Rahul Sharma expressed himself as a newly appointed person for my case and again the same reason was given to me that last person has been moved to a different dept. and no longer available to follow up on the case. I upfront refused him to follow up since I can’t bear this anymore. His manager Kaynat called me today and asked to write an email to withdraw the case and get the refund.

Currently, I am so pissed off with your services. I earn by doing hard work and paid Rs. 5724/- towards my CIBIL score improvement and not for this mental harassment. I have been experiencing nothing but disappointment from Credit Sudhaar and you have hardly contributed to improve my score. This is a setback for me and I feel like cheated by every person of yours. I don’t need any further support from Credit Sudhaar. Since it was promised to me by Veena if we fail to provide a solution you are worthy of a full refund. Now, because all of this pain I ask Credit Sudhaar to refund full amount paid towards the services back to my account ASAP.

Herjeet Singh

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