PACL Scam: The Australian connection
PACL not only roped in Brett Lee as its brand ambassador, but also invested millions of dollars in Australia. Also, the Ponzi company's directors, including promoter Bhangoo's daughter and son-in-law, were seen living in lavish properties in Australia
 
PACL Ltd, formerly known as Pearl Agrotech, which has been asked to repay about Rs55,000 crore by the regulators, not only used services of cricketer Brett Lee as its brand ambassador, but also invested millions of dollars in Australia, reveals a report from The Australian.
 
Pearls promised generous returns to investors by supposedly rehabilitating degraded agricultural land and turning it into prime productive farming country and collected around Rs49,000 crore from investors. "Instead, the money went into the pockets of the directors, who lived lavish lifestyles and bought television stations, Indian cricket teams and invested the money in assets for themselves, including hotels and properties in Australia," the report says.
 
The Justice RM Lodha Committee appointed by market regulator Securities and Exchange Board of India’s (SEBI) is also looking into investment made by PACL in Australia. The report says, "Their investigations will include the 2009 purchase of the Sheraton Mirage on the Gold Coast. Mr (Nirmal Singh Bhangoo, founder of PACL) Bhangoo spent $62 million buying the resort and $20 million more renovating it. The Sheraton, of course, is Christopher Skase's old haunt."
 
According to the report, in Australia, Mr Bhangoo and several of his family members teamed up with Gold Coast property developers Paul Brinsmead and Peter Madrers. The two Australians had operated the company Resort Corp, which developed large tracts of coastal land in the Tweed Shire in northern NSW before its group of 14 companies collapsed in March 2009, owing about $300 million, it said.
 
"Six months later, while administrators were still sorting through the wreckage of Resort Corp, Mr Brinsmead and Mr Madrers founded Pearls Australasia with Mr Bhangoo, his son Harvinder Singh Bhangoo and son-in-law Gurpartap Singh. Later Mr Bhangoo's other daughter Barinder Kaur and her husband, Harsatinder Singh Hayer, also joined the company as directors." 
 
"In September 2014, Pearls Australasia changed its name to MiiGroup Holdings and refers to itself collectively as the MiiGroup of companies. These companies are all based in a waterfront office at Bundall on the Gold Coast. Also, operating from the same address is Shac Communications, the public relations firm that represents MiiGroup Holdings and undertook the "full rebrand for the group" in 2014. The managing director and owner of Shac Communications is Simone Holzapfel, who was Tony Abbott's chief political adviser for six years during the Howard government," the report from The Australian says.
 
MiiGroup, however, has distanced itself from the PACL scam and investigation going on in India. In a statement, it called itself as an Australian company with diverse business with Pearls Infrastructure Projects (PIPL) as a passive investor in some of its businesses. "...the individuals and companies associated with PIPL in India have no control and do not take part in any day-to-day operations of the independent and separately owned Australian MiiGroup. Any allegation that MiiGroup Australia is an Indian company or a subsidiary of an Indian company is false. Any allegation that any events in India are related to individuals or companies associated with PIPL are in any way relevant to or connected with MiiGroup, or that Mii Group is controlled or managed by any of these entities, is false," the statement reads.
 
In its report, the newspaper said, based on company searches, Mr Bhangoo's daughter Barinder and her husband Mr Hayer, live in a multimillion-dollar Gold Coast mansion. The property in the suburb of Hope Island boasts six bathrooms and five garages and was bought, along with an adjacent vacant block, for $4.95 million in 2011 by a company called Pearls Infrastructure Projects.
 
Quoting P Venugopal, senior counsel for SEBI, the report said, "I do not think we will ever be able to recover much. Because basically, according to us, the entire operation was just a money laundering exercise. The Central Bureau of Investigation (CBI) is investigating celebrities who were involved with the (Pearls) schemes and yes, (cricketers) Harbhajan Singh and Yuvraj Singh are under investigation with respect to the plots at Mohali (in Punjab) received by them from the company."
 
In 2010, PACL roped in Australian speedster Brett Lee as its brand ambassador. During a press conference announcing his appointment, Lee had reportedly said, "It's not about only being a brand ambassador, but I am proud to be a family member of Pearls Group. I feel every person is being touched by Pearls around the world. I certainly believe that Pearls is the best."
 
In the advertising campaign, Lee was filmed building sandcastles with kids and jogging on a beach in Goa. "He stood in front of a camera dressed in a white sports coat and recited the firm's mantra: 'Touching hearts, building confidence. Pearls Infrastructure', the news report says.
 

 
"What he should have said was "touching wallets, breaking hearts", for while there is no suggestion that Lee had any knowledge of this at the time, the company he was spiking was allegedly engaged in a monumental fraud," it added.
 
While Lee's manager at that time, Neil Maxwell, who negotiated the deal with PACL, and current manager, Jake Elder have denied any wrongdoing on part of the cricketer. The fast bowler's website, Brett-Lee.net still lists Pearls India as one of the brands represented by him. It says, "(Lee is) a brand ambassador across the Pearls group, representing Pearls Infrastructure Group, P7 News, Pearls Tourism & Pearls Spices." 
 
SEBI's counsel Venupgopal told the newspaper that officials from the Australasian Consumer Fraud Taskforce, an umbrella body whose members include the Australian Federal Police and the Attorney-General's Department, had recently contacted him to discuss the alleged fraud and its implications in Australia. 
 
He also told the newspaper that directors of PACL used Russian banks to send money (collected from investors) overseas, including Australia and it would be very difficult to follow the trail.
 
According to the newspaper report, the Australian arm of Pearls was adept at working political connections. In October 2010, as part of a trade mission and Australia's 2018 Commonwealth Games bid, a delegation led by then Queensland premier Anna Bligh and including then high commissioner to India Peter Varghese met with the Pearls Group, it said.
 
"A record of the meeting shows that in attendance were Pearls Group directors; Mr Bhangoo's other daughter Sukhwinder Singh and her husband Gurpartap Singh; 'group general manager' of Pearls Group Rikhab Jai; and 'Pearls Australia joint managing directors' Mr Brinsmead and Mr Madrers. Records show the meeting was 'designed to encourage the Pearls Group to increase its investment portfolio in Queensland' and Pearls Group was stated as having '1.6 million employees across its various entities'. The records show Ms Bligh directly dealt with requests from members of the Bhangoo family to obtain 'state-sponsored' visas," the report from The Australian says.
 
Earlier, SEBI, as part of its recovery proceedings, attached all bank and demat accounts, mutual fund portfolios of PACL and it eight directors and promoters. In a release, SEBI said, the recovery proceedings have been initiated for their failure to comply with its order issued on 22 August 2014 directing, PACL and its directors and promoters to wind up the schemes, and refund Rs49,100 crore to the investors within three months from the date of the order. This amount is excluding further interest and all costs, charges and expenses incurred in the recovery proceedings.
 
According to SEBI, the amount due to investors of PACL would be over Rs55,000 crore. This  includes promised returns, further interest, all costs, charges and expenses incurred in respect of all the proceedings taken for recovery of Rs49,100 crore from PACL. 
 
The mobilisation of funds by PACL traces back prior to 1997. Upon receipt of a complaint, SEBI on 30 November 1999 and 10 December 1999 issued letters asking PACL to comply with the provisions of the collective investment scheme (CIS) Regulations. 
 
PACL challenged these letters before the High Court of Rajasthan in December 1999, claiming that its scheme does not fall under the definition of CIS as defined under the CIS Regulation and SEBI Act. PACL also challenged the constitutional validity of the CIS Regulations. 
 
The Rajasthan High Court on 28 November 2003, held that PACL's schemes were not CIS as defined under Section 11AA of the SEBI Act. The HC also quashed SEBI's letters issued to PACL. 
 
SEBI filed an appeal before the Supreme Court against the order of Rajasthan HC. The SC on 25 February 2013, while allowing the appeal upheld the constitutional validity of CIS Regulations, and directed SEBI to investigate the matter and take appropriate actions. 
 
After conducting an inquiry, SEBI on 22 August 2014, issued an order directing PACL, its promoters and directors to wind up all the existing CIS and refund the monies collected by the company to investors as per the terms of offer within a period of three months from the date of the Order. 
 
PACL filed an appeal before the Securities Appellate Tribunal (SAT), which was dismissed on 12 August 2015. The SAT directed PACL and its promoters-directors to refund the money within three months. Since the company and its promoters-directors failed to refund the money to the investors as per the directions of SEBI and SAT, the market regulator said it has initiated the recovery proceedings.
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    COMMENTS

    Shibnath Chakladar

    1 year ago


    I had invested Rs.70,000.00 with Amrit Projects Ltd. through their Asansol branch in 2013-14. Now all their offices are closed and no trace of their agents and officials.
    I had also sent all documents to their address via speed post as per their notice, but no feed back nor any kind of information from the company is available. Please help.

    Senthil Vel A. Mylathal

    3 years ago

    For the safety of Investors in PACL the government Regulators could have suggested a proper procedure to get refund of the Invested amount through TV Channel, Newspaper etc. while they are holding PACL business with Legal actions. Still they will give awareness to the Investors not to loose amount Invested and making compliants with all Documents of Investment.

    Meenal Mamdani

    4 years ago

    Shocking. I guess as one of the comments says people are greedy, gullible and fall for scams of all sorts from spurious sales in retail stores to too-good-to-be-true schemes.
    Yes, a fast track court is a good idea. It may be a good idea to set up special courts strictly for financial matters as I wonder how many judges themselves understand these convoluted deals. Wonder if Rajasthan HC would have ruled differently if it had judges more knowledgeable in financial dealings.
    Not just confiscating the personal assets of these scammers but also putting their names on an international financial criminal list would prevent them from continuing to float more companies. If we have an Interpol for other kinds of crime, why not one for financial crime? Preventing them from ever returning to India would also set a precedent and deter other Indians from joining these rogue groups.

    REPLY

    Raja Laks

    In Reply to Meenal Mamdani 4 years ago

    Our lazy and arrogant judges are more greedy than these scamsters.
    Until that is fixed, nothing can be done.

    Alwin JAMESVIRGIN

    4 years ago

    I don't know when I will get money back

    REPLY

    Raja Laks

    In Reply to Alwin JAMESVIRGIN 4 years ago

    I don't mean to rub salt in your wound but my sincere advise is move on. Don't waste your time and remaining money and peace by chasing after these scamsters.

    How it worked in Tamilnadu in mid 1990s. Finance companies collected 1000s of crores. Never paid interest. People formed a group, filed a criminal case. They spent a lot on advocate fees apart from Govt prosecutor. Economic offence wing TN Police collected all the evidence and money trail (collected by journalists and investors themselves). Case was filed in lower courts. Scamsters arrested and put in jail. Case went for some time. Journalists lost interest. Scamsters got bail. Came out. Big alliance was formed between Govt prosecutor, Judges, Police. Loose money was split among themselves. Scamsters made off with money invested in property whose documents disappeared from case files. Judges made sure case dragged. Prosecutors gave away all files to Scamsters. Police directed all queries to advocates.
    It took nearly 20 years to recover 35 lakhs (yes lakhs). By then most of the investors (usually retirees) passed away in heartbreak. Police, Judges retired. Case forgotten.

    PRAKASH D N

    4 years ago

    There is an urgent need to put brake on Companies/Institutions which collect money from public (other than banks) through enhanced regulation and also amending CPC to provide for stricter punishments for economic offences besides confiscating properties acquired through fraud. special courts should be established for fast trial of cases like PACL. Otherwise gullible investors would be tempted by fraudsters by floating alluring schemes which offer unrealistic returns. SEBI should also set up a intelligence wing to collect information on activities of such entities and act in time.




    Arjun

    4 years ago

    Thanks for the information. Please keep me updated with further news about the PACL. Thanks....

    SuchindranathAiyerS

    4 years ago

    PACL, it would seem, is another typical Indian scam comparable to any carried out by India's post-1947 kleptocracy in the sense that none of the stolen wealth is recoverable:

    Vaibhav Dhoka

    4 years ago

    India is most fertile ground for SCAMS to happen,due to greed of people to get FREE.Even sales are many times fraud played on public only on very small space,knowing well they rush to shop and in fact shop in excess and not needed things are piled up.And even though the scam bursts the culprits know that in India no one can touch their ill gotten assets as investigation and later on prosecution takes decades and public memory is short lived and they can come out with new scheme a Fresh.

    QNet: MPID Court rejects anticipatory bail applications of five including Michael Ferreira, Suresh Thimiri
    The special court has rejected anticipatory bail applications of two directors of Vihaan, Suresh Thimiri of Transview as well as Malcolm Desai and Michael Ferreira, the stakeholders of Vihaan that handles QNet's MLM operations in India
     
    The special Maharashtra Protection of Interest of Depositors (MPID) Court on Tuesday rejected anticipatory bail applications of five accused in the multi-crore QNet scam. This includes, Srinivas Rao Vanka and Magaral Veervalli Balaji, both directors of Vihaan Direct selling (India) Pvt Ltd, Suresh Thimiri, director of Transview Enterprises India Pvt Ltd, Malcolm Nozer Desai, who is 20% stakeholder in Vihaan and Michael Joseph Ferreira, former world champion of billiards and 80% stakeholder in Vihaan.
     
    The Economic Offences Wing (EOW) of Mumbai Police, which is probing the case, had invoked the stringent MPID Act against controversial multi-level marketing (MLM) company QNet, which has denied any wrongdoing on its part.
     
    Transview Enterprises is an associate company of Vihaan Direct Selling Pvt Ltd that handles QNet's multi-level marketing (MLM) operations in India since 14 April 2012. Vihaan Direct Selling, in which Michael Ferreira, the former world billiards champion, owns 80% stake, is a direct selling agent of QNet and had done large financial transactions with Thimiri's company Transview. 
     
    The EOW had booked several accused including the former world champion of billiards and five companies related with QNet, under the MPID Act. This means all the cases against QNet, Vihaan and all those involved in the MLM scam would be heard before the special MPID Court. Until now, the accused were being investigated for cheating and forgery under the Prize, Chits and Money Circulation Schemes (Banning) Act 1978, and for money laundering by the Enforcement Directorate (ED).
     
    In February 2014, the ED registered a case under the prevention of money laundering act (PMLA) against QNet, Vihaan Direct Selling, Ferreira and QNet founder Vijay Eswaran and three other independent representatives (IRs) of the MLM operator.
     
    Gurupreet Singh Anand, a computer consultant from Lokhandawala, Andheri in his first information report (FIR) stated that his wife was duped for Rs30,000 by some people who had introduced themselves as the independent representatives (IRs) of QNet. Anand told the police, “They (IRs) had said that one of the bio-products my wife bought could be used to treat my 12-year-old son's brain-related diseases.”
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    COMMENTS

    Babe Killer

    2 years ago

    QNet / Qi Group is operating their system in Hk and operation in My. They force people to join their MLM plan by brainwash them in a session of becoming rich by motivating them. The mindset also applied to their company culture as well as they will simply sack or demotivating those who the management dislike or no longer be in value. They will attract them by proposing very good annual bonuses plan but keep deducting the amount in a manner that you have loop holes in your work which causes a very high amount of turn around on staff rate. This company is very favoritism as those who are relatives or best friend with good relationship with gain rapid recognition on promotion or salary increment but less productivity. They also kept those fugitives from abroad just to be safe rather in the hands of the law. Well it is not a place you can stay long as they will not appreciate people. Try to stay away from them.

    jitu moni

    2 years ago

    http://www.mid-day.com/articles/qnet-case-scam-mumbai-news-mumbai-airport-arrest-eow-aditi-mitra/18084164
    The Economic Offences Wing (EOW) of the city police arrested a woman in her early 30s on Thursday for her active involvement in the multi-crore QNet scam. The total number of arrested accused has now reached 47, which includes Billiards champion and Padma Bhushan recipient Michael Ferreira.
    In the Rs 1,000-crore scam of Hong Kong-based company QNet, nearly 5 lakh investors across the country were duped. QNet has been accused of using the banned binary pyramid business model for its multi-level marketing schemes to lure investors.

    QNet posed as a marketing firm selling bio-discs, watches, herbal products, holiday packages, etc. It also claimed that by using the bio-disc, one could cure cancer and brain diseases, the police said.
    Too much baggage
    Accused Aditi Mitra was intercepted at the Chhatrapati Shivaji International Airport, and subsequently, arrested based on the lookout circular that had been issued against her.

    Assistant commissioner of police Arun Jadhav confirmed her arrest said she was sent to police custody till March 23.
    Mitra was allegedly trying to flee to Dubai for good. She was carrying eight big bags and two handbags. Of the eight, two contained her belongings; she refused to say what was in the other six, sources said.

    Mitra, an independent representative associated with QNet, had been getting hefty commissions in return. She has multiple bank accounts, with one alone having Rs 25 lakh, as EOW officials found, adding that all her bank accounts have been frozen.

    Active player
    Investigators found that on the instructions of the other accused, Mitra was actively involved in the scam. She had brainwashed victims in order to induce them to invest in the scheme,” said special public prosecutor Pradip Gharat.

    A victim, Sewri resident Arpita Majarekar, said, “She would conduct welcome sessions in malls and trap people with her sweet talk.

    She had promised me and many others that if we invested in the scheme, we would get double the amount in three years.” Majarekar, who works in a private firm in Andheri, had invested nearly Rs 12.5 lakh in the scheme through Mitra.

    She has been booked under relevant sections of the Maharashtra Protection of Interest of Depositors in Financial Establishments Act, Prize, Chits and Money Circulation Schemes (Banning) Act, and the Indian Penal Code.

    gurupreet

    3 years ago

    QNET VICTIMS please beware of this shady character one Mr. Rafiq whose posing as an "High Court Advocate & RTI Activist" at various online web sites.

    This guy is a sweet talker and will promise you refund from QNET if you appoint him as an advocate, he is doing nothing but cheating your further...here is his modus operandi...

    He also claims to be behind several actions that have been taken place by mumbai police and FFVA but the FACT remains that he has nothing to do with any of these actions being taken all over India.

    He will convince victims to appoint him as an ADVOCATE and thereafter tell victims to deposit Rs 50,000 in various bank accounts to show that he has been apponited.

    He will promise that he will return back the money after showing that to QNET office but the FACT remains that after the money is transferred he will stop recieving your calls and vanish .

    We have recieved multiple complaints against this FRAUD, please BEWARE you all have already been cheated dont get cheated again.

    For your REFUNDS only follow the correct and LEGAL way to get your refunds along with compensation, for more info do drop us a email at [email protected]

    FFVA i.e Financial Frauds Victims Association has been formed to help and provide legal aid to victims of QNET SCAM.

    http://www.mid-day.com/articles/qnet-forms-financial-fraud-victims-forum-scam-gurupreet-singh-anand/17659179

    Please stay away from crooks and fight for your legal rights in correct and proper way.

    Regards
    Gurupreet

    gurupreet

    3 years ago

    GOOD NEWS...QNET VICTIMS IN MUMBAI...DEDICATED QUESTIONS & ANSWERS SESSION FOR QNET VICTIMS on Sunday 18th September 2016.

    Ever since you lost your hard earned money in QNET SCAM, you all have multiple questions and facing multiple issues like :

    1. Where and whom to approach for recovering your hard earned money?

    2. How to help fight and stop this QNET SCAM?

    3. How to teach your CHEATER UPLINES a lesson?

    4. Issues regarding the “so called” “REFUND POLICY”.

    5. Are you eligible for “Compensations”?

    6. Issues regarding action buy police authorities.

    7. What is the status of the court cases etc.

    These are an example of just a few issues and concerns you are facing, but there is GOOD NEWS for you all. We have been working overtime to try and bring an end to these woes and issues faced by Victims of Financial Frauds like this QNETSCAM.

    So guys and girls tomorrow is the BIG DAY finally , Please do join us tomorrow (Sunday) afternoon at 1.30 PM sharp at Andheri east, outside Sarangi Restaurant (Just 1 minute from the Andheri station on the east side).

    Please do come and also inform other victims of the QNETSCAM.
    Tomorrow (Sunday) afternoon sharp 1.30 PM, outside Sarangi Restaurant , Andheri-east, Mumbai.

    Please note we have limited seats, first come first served basis allotment..so make sure to reach in time __/\__ . You can contact on 7498063701 in case of difficulty in locating us :)

    Jai Hind.

    jitu moni

    3 years ago

    http://timesofindia.indiatimes.com/city/hyderabad/4-persons-associated-with-MLM-company-arrested/articleshowprint/54204335.cms?null
    Four persons, who were associated with Hong Kong-based QNET, a multi-level marketing (MLM) company, and duped 200 persons by promising them jobs, were arrested by Central Crime Station (CCS) officials on Thursday. However, the MD and directors of QNET and its sister company Vihaan Direct Selling are still at large.


    Deputy commissioner of police (CCS) Avinash Mohanty said Sreenath Konda, Prasanna Kumar Reddy, V Kanchana, B Dhan Raj were arrested from different locations in the city for cheating people.


    Police said the accused had been enrolling gullible people as agents by collecting Rs 10 lakh from a group of 10 persons.


    Each person would be given status of promoter, direct them to attract a group (i.e., 10 persons) and make them join QNET by paying Rs 10 lakh, for which the promoter would be assured commission.

    jitu moni

    3 years ago

    http://zeenews.india.com/news/maharashtra/qnet-case-sc-directs-maharashtra-govt-to-file-latest-probe-report_1924693.html
    Mumbai: The Supreme Court on Thursday directed the Maharashtra Government to file the latest status report regarding investigation so far on the anticipatory bail plea of World Billiards champion Michael Ferreira and four others, who are facing charges of money laundering in the multi-crore QNet case.

    The next hearing in the matter will take place on September 14.

    Besides Ferreira, the others whose anticipatory bail plea were rejected were Malcom Desai, Vanka Srinivas, Maganlal Balaji, all directors of M/s Vihaan Direct Selling (India) Pvt. Ltd, and Suresh Themiri, director of Transview Enterprises.
    They are facing charges under Sections 420 (mischief), 468 (forgery), 471 (using forged document knowing it is not genuine) of the Indian Penal Code (IPC).

    Justice Mridula Bhatkar of the Bombay High Court, who took on record the statement of public prosecutor Pradeep Gharat that investigations were still on, had in May rejected their anticipatory bail pleas.

    Ferreira had started the operations of QNet, a multi-level marketing company, in India via his firm Vihaan Enteprises.

    The QNet cheating case began with a complaint by Gurpreet Singh Anand, who raised his voice after losing Rs. 30,000.

    According to the police, the money involved has crossed Rs. 1,000 crores in the alleged scam with more than five lakh investors allegedly losing their money in the case against QNet which is being probed by the Economic Offences Wing.
    ANI

    jitu moni

    3 years ago

    http://www.newsambit.com/eow-of-delhi-police-registered-case-against-qnet-india-and-its-irs/
    NewsAmbit, New Delhi
    Delhi Police Economic Offence Wing(EOW) has registered an FIR against QNET India/Vihaan Direct selling India Private Limited and its three independent representatives on the allegations of cheating and fraudulently operating the multi level marketing, which is illegal in India. Police have initiated the investigation and suspecting huge scam, which is estimated in crores.
    A senior Police officer of EOW said that we received a combined complaint against QNET India and its three independent representatives from more than dozen of people in the month of March this year. As per the allegations of main complainant Anuj Jain alleged that his friend Himashu Aggarwal approached him for an business opportunity. He said that he is an independent representative(IR) of an e-commerce based company. He said that he can arrange an meeting with the other IR’s who will tell you about the business and if they find you suitable you will get chance to be a part of the company. After few days Himanshu called Anuj Jain to come with a CV at a café situated in Nehru Place area on 29 November 2015. Anuj reached there, where he met with Himanshu and his to associates Anita Jaggi and Kanika. Trio told him about the business profile and also assured that this is not a networking marketing company. They demanded Rs 6.5 lakh to be a member of the company. They also said that company has millions of customers. IR of the company is treated as a partner and also got the profit share for each sale. After three four days Anuj gave them 6.5 lakh rupees but after some time he got to know that this is a multi level marketing company and fraudulently cheating innocent persons by roping them in it’s banned business with the help of IRs.
    Police said that Anuj is not the only complainant so many more complainants also approached to EOW. After which a preliminary enquiry had conducted. It was found that some persons who are termed as IR contact their friends and close persons to join a new e-commerce business. They don’t tell the name of the company or complete business module at the beginning. After alluring them they set various amounts from the victim. Independent Representatives(IR) get training during the joining and talk to make further members. These kinds of IRs of the company are operated from different cafes and food courts situated in Delhi and NCR.
    Those who join the company get user id etc and products like ravel packages, some other items etc are shown purchase from their money. The delivery address given in the portal is also found of overseas area most of the time and mostly that address is too fake type location only which shows that no products are being sold and it is a completely a money circulation scheme. Two websites were found involved in the namely www.unetindia.in and www.cmetindia.net were found mated to Vihaan Direct selling (India) Pvt ltd which is stated Indian Franchisee of Hong Kong based net company. Investigations are on. Police are trying to unearth the whole network of the IRs on which this company is running its business unlawfully in Delhi. A case has been registered u/s 420/120B/34 IPC and 4/5/6 of Prize Chits and money circulation Schemes(Banning) Act,1978 .

    Profiles of IRs
    Himashu works with Samsung
    Anita Jaggi works with RBS

    atul gupta

    3 years ago


    Be ready to fight against QNET and all your uplines including friend.
    Find QNET REFUND and FIGHT AGAINST QNET procedure as below.
    1st Option
    If your purchase on product receipts is in INR rupees then with in 30 days of purchase or if your purchase is in USD dollar then with in 7 days you can send email to Qnet customer support for refund otherwise Qnet will deny you refund. Then go to 2nd option which all need to go for even after you get refund to get QNET banned from India and to save our brothers & sisters.
    1. Get your IR ID first.It will come to your mail box once your upline register your email id on portal. If email id is given wrong then call Qnet customer support numbers and complain about your upline. Ask your IR ID and products purchased details from them.
    2. Send a cancellation mail to the support team of QNET with a subject line as "REFUND IN****".
    provinding all details of transactions and product details.Usually IR number will be like IN4444 and all. Attach scanned PAN CARD and product receipts in the mail to them.
    [email protected]
    [email protected]
    [email protected]
    [email protected]
    [email protected]
    3.Once this mail is sent, the support team will create a CRF number and sends to Hong Kong team for approvals for the refund request. It will take 15-20 working days for the approvals for refund request.
    4.Meanwhile, mail them or call them on every alternative days for an update.
    Numbers:
    9900060061,62,64,68-veronica
    9900060605-rekha,jasvinder kaur
    5.Once Refund request is completed ,they ask for the mode of payment.
    Ecards or Account Money transfer. Better go for Money transfer to your account.
    If you opt for account transfer, then you have to send a scanned copy of your account cheque leaf or bank statement.
    6.After 20 working days, you will get your money refunded of the product to your bank account.
    7.Rest of money left , you collect from your upline by filing complaint in local police station.

    2nd Option
    pls all go for 2nd option even if you get money refunded as per option 1 by QNET to ban QNET and save indians.
    File written complaint/FIR against your friend and all uplines at local police station and write in complaint that QNET is running money circulation scheme which is banned in india as per prize ,chit and money circulation scheme ,1978. Your uplines will be called by police and they will return you money through QNET or themselves as you can not get refund from Qnet after one month is over if products purchased through indian portal and after 7 days if purchased through world portal. Warn your uplines that you are going to file complaint/FIR against them. Besides above process kindly by post or by hand send your complaint to THE DCP, ECONOMIC OFFENSES WING, MANDIR MARG, DELHI also to ban QNET by using format of complaint given below.
    https://drive.google.com/file/d/0ByQ-yz2wwceEX3BEV3kxZlNkbDg/view?usp=drivesdk
    In your complaint attach uplines photos, mobile numbers, your bank account statement if you transferred money from your account to upline account or cash/DD deposit receipt, pan card, address proof, purchase receipts. Mention in your complaint that meeting took place nearby your home or office otherwise local police will ask you to lodge complaint at police station where actual meeting took place. File complaint at your nearby police station and EOW DELHI both to fight against QNET. Do not sign any affidavit asked by your uplines to give back your money. Please whatsapp me at 9871853120 only if any confusion.

    Ashwani Mulsoo

    3 years ago

    I just want to know that the people who approach us for this what is called as exponential money making business, can we put them behind bars for fooling so many people already.

    REPLY

    jitu moni

    In Reply to Ashwani Mulsoo 3 years ago

    Visit FB page Qnet Scam for filing complaints n all updates

    Dev

    3 years ago

    http://www.deccanchronicle.com/nation/crime/160616/another-multi-level-marketing-scam-hits-hyderabad-100-people-duped.html

    After receiving the complaint from a group of people, the central crime station is now investigating the scam.
    Company officials asked them to pay around Rs 1 lakh as charges for registration, investment and training fee. (Representational image)
    Company officials asked them to pay around Rs 1 lakh as charges for registration, investment and training fee. (Representational image)
    Hyderabad: A new multi-level marketing scam (MLM) has surfaced in Hyderabad with around a 100 victims losing money in the controversial QNet scheme.

    Several people have come out alleging that they have lost lakhs in the dubious scheme and has demanded arrest of the managers, who have fled with crores.
    After receiving the complaint from a group of people, the central crime station is now investigating the scam. The Singapore-based QNet Private Ltd had already run into trouble with the law in Bengaluru and Mumbai police due to the same scam.

    The victims, mostly fresh graduates and college dropouts, alleged that they were lured by some people claiming to be company officials who offered them a high salary and commission to do ‘e-commerce’ for QNet products.

    Company officials asked them to pay around Rs 1 lakh as charges for registration, investment and training fee. However, the QNet officials neither provided them any job nor gave back their money even after a year.

    After several complaints poured into S.R. Nagar police station cops found out that a QNet office was operating in Ameerpet, where most of the victims had paid their money. An FIR was registered in S.R. Nagar police station against company officials and later it was transferred to CCS.

    “A person named Ramesh Kurmetti and his associates run the firm. He and others had been avoiding us for the last one year whenever we asked our money back,” said P. Vishwa Teja, one of the victims from Ameerpet.

    The youngsters came to know about the company through Facebook and by word of mouth. “We were told that we will be getting around Rs 30,000 as salary as we add more customers and agents into the scheme. They asked us to get trained and promised that we would be selling their products like Bio Disc, Bio Light etc. However, nothing of that sort has happened so far,” said another victim M. Avinash.

    Many people have paid Rs 2 to Rs 3 lakh while some paid Rs 1 lakh. The company officials had promised their commission would be higher according to the investment they put in.

    While it is yet to be calculated how much money has been looted by the company officials victims claim that it would be around Rs 5 to Rs 8 crore.
    Meanwhile, the police has not made any arrest so far in the case.

    “We had registered a case after taking the complaint. Since it was an economic offence with a lot of money involved the case was transferred to CCS,” said S.R. Nagar inspector Md. Waheeduddin.

    Dev

    3 years ago

    http://www.deccanchronicle.com/nation/crime/160616/another-multi-level-marketing-scam-hits-hyderabad-100-people-duped.html

    After receiving the complaint from a group of people, the central crime station is now investigating the scam.
    Company officials asked them to pay around Rs 1 lakh as charges for registration, investment and training fee. (Representational image)
    Company officials asked them to pay around Rs 1 lakh as charges for registration, investment and training fee. (Representational image)
    Hyderabad: A new multi-level marketing scam (MLM) has surfaced in Hyderabad with around a 100 victims losing money in the controversial QNet scheme.

    Several people have come out alleging that they have lost lakhs in the dubious scheme and has demanded arrest of the managers, who have fled with crores.
    After receiving the complaint from a group of people, the central crime station is now investigating the scam. The Singapore-based QNet Private Ltd had already run into trouble with the law in Bengaluru and Mumbai police due to the same scam.

    The victims, mostly fresh graduates and college dropouts, alleged that they were lured by some people claiming to be company officials who offered them a high salary and commission to do ‘e-commerce’ for QNet products.

    Company officials asked them to pay around Rs 1 lakh as charges for registration, investment and training fee. However, the QNet officials neither provided them any job nor gave back their money even after a year.

    After several complaints poured into S.R. Nagar police station cops found out that a QNet office was operating in Ameerpet, where most of the victims had paid their money. An FIR was registered in S.R. Nagar police station against company officials and later it was transferred to CCS.

    “A person named Ramesh Kurmetti and his associates run the firm. He and others had been avoiding us for the last one year whenever we asked our money back,” said P. Vishwa Teja, one of the victims from Ameerpet.

    The youngsters came to know about the company through Facebook and by word of mouth. “We were told that we will be getting around Rs 30,000 as salary as we add more customers and agents into the scheme. They asked us to get trained and promised that we would be selling their products like Bio Disc, Bio Light etc. However, nothing of that sort has happened so far,” said another victim M. Avinash.

    Many people have paid Rs 2 to Rs 3 lakh while some paid Rs 1 lakh. The company officials had promised their commission would be higher according to the investment they put in.

    While it is yet to be calculated how much money has been looted by the company officials victims claim that it would be around Rs 5 to Rs 8 crore.
    Meanwhile, the police has not made any arrest so far in the case.

    “We had registered a case after taking the complaint. Since it was an economic offence with a lot of money involved the case was transferred to CCS,” said S.R. Nagar inspector Md. Waheeduddin.

    jitu moni

    3 years ago

    Bluru QNet agent who earned 50L a yr as commission held
    Mumbai: The Economic Offences Wing (EOW) has arrested Ram Singh, an accused in the Rs 1,000 crore QNet case, for earning Rs 50 lakh or more as commission each year from proceeds of the crime.

    Singh, a Bengaluru resident, was arrested last week after the imigration authorities at Bangalore airport detained him over a look out circular notice (LOC) issued by the Mumbai police. "We are going through all his bank account details and trying to ascertain the source of money to his account," said DCP Pravin Padwal of the EOW.

    Singh's name had cropped up during the initial investigation in 2013 but the police could not locate him then. In January 2015, a police team visited his Bengaluru residence but did not find him there. The house was locked. He is the 19th accused to be arrested in this case so far.

    "We are working to arrest all the culprits in this case. A special investigation team has been formed to nab the othe accused invovled," said Dhananjay Kamalakar, joint police commissioner, EOW. Singh, said police sources, has been sending money to his daughter who is studying in Canada. "We have to know his source of income. He has sent a major chunk of money to Canada. We suspect this money was gained from QNet. Moreover, he was looking after the QNet business in Dubai and has been shuttling between Dubai and India. We got his passport number late. Soon after getting it, we issued an LOC notice and he was detained," said an officer.

    A special MPIDA court in February this year rejected the anticipatory bail plea of Michael Ferreira (77) winner of the World Amateur Billiards Championship and a Padma Bhushan recipient, and four others, Malcom Desai, Vanka Srinivas, Maganlal Balaji, all directors of M/s Vihaan Direct Selling (India) Pvt Ltd and Suresh Themiri, director Transview Enterprises. They all have approached the high court now in the QNet case.

    "They posed as a marketing firm which would sell bio-discs, watches, herbal products, holiday packages, etc. They even claimed that by using the bio-disc, one can cure cancer and brain diseases," cops said. Some money has been transferred to Malayasia, Singapore and Hong Kong, too, cops added.

    jitu moni

    3 years ago

    http://timesofindia.indiatimes.com/city/mumbai/EOW-to-now-probe-celebs-role-in-QNet/articleshow/52333087.cms
    Mumbai: The city's economic offences wing (EOW) is now looking into allegations that several Bollywood celebrities campaigned for the cheat firm, QNet, through advetisements or by promoting the schemes of the self-proclaimed marketing firm.

    Gurupreet Singh Anand, complainant in the Rs 1,000-crore QNet cheating case, on Wednesday said at least four Bollywood actors promoted the Ponzi schemes at different times in the QNet's promotional programs in United Kingdom and Malaysia. He has submitted a 23-page letter wherein he has attached the celebrities' pictures promoting the programs.

    "I have submitted letter and all the relevant information to the EOW on May 12. I am hoping some action soon," Anand told TOI. He alleged that the money was laundered from India to Hong Kong and Malaysia.

    Anand was speaking at a press conference where suddenly a group of QNet sympathisers appeared with "I trust QNet" placards.. They were later asked to leave the conference room.

    atul gupta

    3 years ago

    Be ready to fight against QNET and all your uplines including friend.
    QNET REFUND and FIGHT AGAINST QNET procedure as below.

    1st Option
    If your purchase on portal is in INR rupees then with in 30 days of purchase or if yur purchase is in USD dollar then with in 7 days you can send email to Qnet customer support for refund otherwise Qnet will deny you refund. Then go to 2nd option which all need to go for even after yu get refund to get QNET banned from INDIA and to save our brothers & sisters.

    1. Get your IR ID first.It will come to your mail box once yur upline register yyr email id on portal. If email id is given wrong then call Qnet customer support numbers and complain about yur upline. Ask yur IR ID from them.

    2. Send a cancellation mail to the support team of QNET with a subject line as "REFUND IN****". provinding all details of transactions and product details.Usually IR number will be like IN4444 and all. Attach scanned PAN CARD in the mail to them.
    [email protected]
    [email protected]
    [email protected]
    [email protected]
    [email protected]

    3.Once this mail is sent, the support team will create a CRF number and sends to Hong Kong team for approvals for the refund request. It will take 15-20 working days for the approvals for refundrequest.

    4.Meanwhile, mail them or call them on every alternative days for an update.
    Numbers:
    9900060061,62,64,68-veronica
    9900060605-rekha,jasvinder kaur

    5.Once Refund request is completed ,they ask for the mode of payment.Ecards or Account Money transfer. Better go for Money transfer to your account.If you opt for account transfer, then you have to send a scanned copy of your account cheque leaf.

    6.After 20 working days, you will get your money refunded of the product to your bank account.

    7.Rest of money left , you collect from your upline by filing complaint in local police station.

    2nd Option
    pls all go for 2nd option even if you get money refunded as per option 1 by QNET to ban QNET and save indians.

    CATCH HOLD OF YOUR UPLINE GIVE COMPLAINT/FIR AGAINST HIM / HER AND ALL YOUR UPLINES IN LOCAL POLICE STATION NEAR TO YOUR HOME AND MENTION THE COMPANY NAME IN THE FIR THAT QNET IS RUNNING BANNED MONEY CIRCULATION SCHEME. Your uplines will return you money as you can not get refund from Qnet after one month is over if products purchased through indian portal and after 7 days if purchased from world portal of Qnet.
    BEFORE GIVING COMPLIANT/FIR INFORM YOUR UPLINE & HIS GRAND UPLINE THAT YOU ARE GOING TO LODGE A COMPLAINT & GOING TO MEDIA, TAKE SOMEBODY HELP (YOUR PARENTS, CLOSE FRIENDS, LAWYER )and TAKE THEM WITH YOU TO ASSOCIATION OR WHERE THEY MEET EVERY DAY. SEE WHAT HE SAY'S,THEY WILL AGREE TO PAY, IF NOT THEN GO AHEAD FOR FIR/COMPLAINT IN ANY CASE.
    Besides above process kindly lodge your complaint to THE DCP, ECONOMIC OFFENSES WING, MANDIR MARG, DELHI OR EOW MUMBAI also to BAN QNET FROM INDIA.
    In your complaint attach uplines photos, mobile numbers, yur bank account statement if u transferred money from your account to upline account or cash deposit receipt, pan card, address proof, purchase receipts, gurupreet singh anand first FIR copy agnst Qnet scam and google news 5-6 against Qnet. MENTION IN YOUR COMPLAINT THAT MEETING TOOK PLACE AT MARKET NEAR TO YOUR HOME OTHERWISE POLICE WILL SEND YOU TO POLICE STATION OF THE PLACE WHERE YOUR ACTUAL MEETING TOOK PLACE.
    File complaint at your nearby police station and EOW/Crime branch both in yur city to fight against QNET.
    For any clarification whatsapp me at my number 9871853120.

    Dev

    3 years ago

    LINKS TO QNET ARTICLES/TV COVERAGE

    http://www.dnaindia.com/india/report-bombay-high-court-rejects-bail-of-micheal-ferreira-four-others-in-qnet-case-2210300

    http://timesofindia.indiatimes.com/city/mumbai/HC-rejects-bail-of-Micheal-Ferreira-4-others-in-QNet-case/articleshow/52172539.cms

    http://economictimes.indiatimes.com/news/politics-and-nation/hc-rejects-bail-of-micheal-ferreira-4-others-in-qnet-case/articleshow/52172931.cms

    http://www.moneylife.in/article/qnet-kirit-somaiya-mp-demands-quick-action-against-the-mlm/46808.html

    http://www.moneylife.in/article/qnet-secret-sfio-report-says-mlm-ponzi-schemes-and-lsquo-a-threat-to-national-security-and-rsquo/46817.html

    http://www.business-standard.com/article/pti-stories/police-issue-summons-to-fc-goa-official-over-qnet-sponsorship-116042901487_1.html

    http://timesofindia.indiatimes.com/city/mumbai/Notices-to-football-league-officials-over-Qnet-money/articleshow/52035746.cms

    http://timesofindia.indiatimes.com/city/mumbai/QNet-cheating-case-Investors-protest-outside-Michael-Ferreiras-home/articleshow/51969270.cms

    http://www.thehindu.com/news/cities/mumbai/news/hc-dismisses-appeal-of-qnets-public-relations-firm/article8457252.ece

    http://www.asianage.com/mumbai/cm-devendra-fadnavis-has-assured-detailed-inquiry-qnet-bjp-524

    http://www.thehindu.com/news/cities/bangalore/mlm-firm-busted-5-arrested/article8468517.ece

    http://timesofindia.indiatimes.com/city/mumbai/No-bail-for-billiards-champ-in-QNet-case/articleshow/50827276.cms

    http://timesofindia.indiatimes.com/city/gurgaon/Seven-booked-for-cheating-bizman/articleshow/50885431.cms

    https://http://www.youtube.com/watch?v=e6x2QgI6K7o&nore...

    https://http://www.youtube.com/watch?v=RabPkRNutwU

    https://http://www.youtube.com/watch?v=MJ5PeybXnLo

    Is Champcash app new form of chain-money scheme?
    The Champcash app on Google Play store, wants you to install 10 other apps and refer it to others to earn unlimited money, similar to money circulations scams
     
    Champcash, a mobile app from Champion Networks Pvt Ltd, is found luring several Android mobile users, under the pretext of providing opportunity to earn unlimited money, free. However, after checking its business model, Champcash appears more like a chain-money, operating without permission from the regulators.
     
    "Champcash is an Android Application Through which Anyone Can be a Millionaire By Just Installing Some Apps in Mobile. Just Refer Champcash to Your Friends and Ask them to Complete the Challenge By installing 8-10 Apps in their Android phone, You will Get its payment instantly," the company says on its website.
     
    The app is listed under entertainment on Google Play and its title is "Champcash Earn Money Free". Here is says, "Funda is Simple, We are Giving Money of Advertisement. Users Installs the Apps and Advertisers Pay us and We Pay Users. You can Earn Unlimited without investing any money..."
     
     
    This may sound good for a gullible person in need of free money, but remember, it is not as easy as it sounds. There are two serious issues with this claim from Champcash. One, there is no clarity on which 10 apps that a user is bound to install, open and use for at least a minute and second, why would an advertiser pay money to anyone for installing a third party apps? Also, if Champcash app is free, then why the user needs to punch in a sponsor ID?
     
    It may sound to be a funny coincidence, but the usage of language and grammar on Champcash app on Google Play store and its own website, is more like the spam emails from fraudsters offering lottery money. (Read: RBI offering unclaimed funds through lottery? Beware, scamsters are on the prowl again )   
     
    Another issue is, how does the company claim to distribute money? Champcash says, "Other Companies are Giving money directly to their Users if they install Apps in their Phone. We Have Changed this Scenario, we are not giving any Money to the User who is Installing Apps in his phone But we are Distributing that money in Whole Network."
     
     
    Now, I have been using, testing several mobile apps since past several years, and have yet to come across anyone who offers money to install an app. It is the other way around. If you use free apps, then there may be some advertising popping up while you use it. And if it is a paid version, then there would not be any advertisement besides providing your some more features of the app.
     
    Since Champcash claims to receive and distribute money to everyone who uses its app, we asked a few questions around. First, we asked regulators, if Champcash is registered with them, since it is in money circulation business. In an email reply, an official from the Reserve Bank of India (RBI) clarified, "The company (Champcash or Champion Networks Pvt Ltd) is not registered with us - neither as an authorised entity under Payment and Settlement Act nor as an NBFC."
     
    At the same time, we also sent some questions to Champcash, which are yet to be answered by the company. Here are the questions we asked...
    1. What is the churning ratio of Champcash users? On an average, how many users join and leave (uninstall) the app in a 12-months period? What is the user retention rate in this line of sponsorship? 
    2. What is the average amount, a user typically earns in a month/year?
    3. How many users earn less than $100 as reference fee in a year?
    4. What is the maximum amount a user had earned in a year through referring Champcash app?
    5. What are the chances that someone who starts from scratch and earns a $1 million Champ Cash?
    6. Does the business module really free people from their jobs or have they just replaced their job with another that has more risk?
    7. Does the Champcash really allow the leaders more time with their families?
    8. Which are the apps that are referred for users by Champcash?
    9. What information is obtained by Champcash and the other installed apps from user's mobile phone?
    10. Kindly tell us names of advertisers, who are ready to pay $2 just for installing and using a third party app for a minute?
    11. How many advertisers are enrolled in Champcash programme?
    12. How many apps developers had partnered with Champcash programme?
    13. Who are the top executives at Champcash?
    14. Is there any specific reason, your domain Champcash.com is registered under proxy and all details like owner, contact info are kept hidden?
    15. Is Champion Networks Pvt Ltd registered with any regulator like the RBI, since it is involved in payouts? Also how much TDS is deducted on the payouts and deposited to the I-T Dept by Champcash?
  • Like this story? Get our top stories by email.
    COMMENTS

    Anwar Basha

    3 years ago

    Champcash Industani ki ek phale online earning company hai jo app sirf logo ko jowd ne app ziyada se
    ziyada Rupiya kaama sakte ho aur
    zarur iss champcash sponsor id per register kare id is 4025518.

    Anwar Basha

    3 years ago

    Champcash Industani ki ek phale online earning company hai jo app sirf logo ko jowd ne app ziyada se
    ziyada Rupiya kaama sakte ho aur
    zarur iss champcash sponsor id per register kare id is 4025518.

    Anwar Basha

    3 years ago

    Champcash Industani ki ek phale online earning company hai jo app sirf logo ko jowd ne app ziyada se
    ziyada Rupiya kaama sakte ho aur
    zarur iss champcash sponsor id per register kare id is 4025518.

    Anwar Basha

    3 years ago

    Champcash Industani ki ek phale online earning company hai jo app sirf logo ko jowd ne app ziyada se
    ziyada Rupiya kaama sakte ho aur
    zarur iss champcash sponsor id per register kare id is 4025518.

    Anwar Basha

    3 years ago

    Champcash Industani ki ek phale online earning company hai jo app sirf logo ko jowd ne app ziyada se
    ziyada Rupiya kaama sakte ho aur
    zarur iss champcash sponsor id per register kare id is 4025518.

    Anwar Basha

    3 years ago

    Champcash Industani ki ek phale online earning company hai jo app sirf logo ko jowd ne app ziyada se
    ziyada Rupiya kaama sakte ho aur
    zarur iss champcash sponsor id per register kare id is 4025518.

    Anwar Basha

    3 years ago

    Champcash Industani ki ek phale online earning company hai jo app sirf logo ko jowd ne app ziyada se
    ziyada Rupiya kaama sakte ho aur
    zarur iss champcash sponsor id per register kare id is 4025518.

    Anwar Basha

    3 years ago

    Champcash Industani ki ek phale online earning company hai jo app sirf logo ko jowd ne app ziyada se
    ziyada Rupiya kaama sakte ho aur
    zarur iss champcash sponsor id per register kare id is 4025518.

    Anwar Basha

    3 years ago

    Champcash Industani ki ek phale online earning company hai jo app sirf logo ko jowd ne app ziyada se
    ziyada Rupiya kaama sakte ho aur
    zarur iss champcash sponsor id per register kare id is 4025518.

    Anwar Basha

    3 years ago

    Champcash Industani ki ek phale online earning company hai jo app sirf logo ko jowd ne app ziyada se
    ziyada Rupiya kaama sakte ho aur
    zarur iss champcash sponsor id per register kare id is 4025518.

    Anwar Basha

    3 years ago

    Champcash Industani ki ek phale online earning company hai jo app sirf logo ko jowd ne app ziyada se
    ziyada Rupiya kaama sakte ho aur
    zarur iss champcash sponsor id per register kare id is 4025518.

    Anwar Basha

    3 years ago

    Champcash Industani ki ek phale online earning company hai jo app sirf logo ko jowd ne app ziyada se
    ziyada Rupiya kaama sakte ho aur
    zarur iss champcash sponsor id per register kare id is 4025518.

    Anwar Basha

    3 years ago

    Champcash Industani ki ek phale online earning company hai jo app sirf logo ko jowd ne app ziyada se
    ziyada Rupiya kaama sakte ho aur
    zarur iss champcash sponsor id per register kare id is 4025518.

    Anwar Basha

    3 years ago

    Champcash Industani ki ek phale online earning company hai jo app sirf logo ko jowd ne app ziyada se
    ziyada Rupiya kaama sakte ho aur
    zarur iss champcash sponsor id per register kare id is 4025518.

    Anwar Basha

    3 years ago

    Champcash Industani ki ek phale online earning company hai jo app sirf logo ko jowd ne app ziyada se
    ziyada Rupiya kaama sakte ho aur
    zarur iss champcash sponsor id per register kare id is 4025518.

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