Falcon Victim

@WorldlineGlobal @WorldlineIndia @PAVacheron @RameshNarasimh9 @TheOfficialSBI Hope you could have practiced in case of @FalconInvoice merchant what you preach here in this white paper, but you just breach what you teach : worldline.com/content/dam/wo… fintelegram.com/dirty-payments…

@Vic_Vij @HDFC_Bank Really this should be highlighted from media outlets @livemint @moneycontrolcom @FinancialTimes @the_hindu @htTweets @republic @Republic_Bharat

The Reality of Modern Banking: #SundayMusings: @HDFC_Bank is the No. 1 bank for market cap, but No. 1 for institutional failure. They aren't just negligent; they use a "systematic exhaustion strategy" to silence customers. 📉 The @HDFC_Bank loop: 1️⃣ "Lose" documents to justify account closures. 2️⃣ Manipulate narratives by omitting transactions. 3️⃣ Zero provisional credit despite card rules. 4️⃣ Massive data breaches (sharing other customers' private info). 5️⃣ Park and quietly close 50–100 tickets with zero resolution. The cycle is Reopen → Delay → Close → Repeat. While HDFC plays games with sensitive data, @RBI remains a silent spectator. "Too big to fail" has become "Too big to care." 🚫🏦 @narendramodi @nsitharaman @nsitharamanoffc @PMOIndia @CIDTelangana @TelanganaCMO @Shikhagoel_IPS @suchetadalal @josyjosephkj @afrozsahil @nehadixit123 @latha_venkatesh @chandrarsrikant @barandbench @SinghNavdeep @LiveLawIndia @SandeepParekh @devinamehra @SajjanarVC @svembu #HDFCBank #RBI #BankingFraud #ConsumerRights #BankingRegulator

Imagine a scam so massive that no one is talking about it because we’ve become numb to frauds & all thanks to media for not bringing it out. A ₹32,700 crore scam involving SREI Group companies and the Kanoria family, where only PNB reported of 2400 crores fraud it to the RBI while 23 other banks stayed silent. This isn’t a case of default; it’s a deliberate, systematic borrowing fraud that looted taxpayers’ money! This is exactly why I say Mr. Mallya @TheVijayMallya was merely a “balli ka bakra.” The real fraudsters are never exposed neither by the media nor in public discourse. One can only hope this finally reaches the news and people become aware of the truth! Looks like our bank balances are only virtual amounts. #IncredibleIndia

@ShivrattanDhil1 @HDFC_Bank @HDFCBank_Cares Not being named in a headline scam doesn’t equal reliability. @HDFC_Bank's problem isn’t spectacular fraud, it’s procedural gaslighting. Context: x.com/Vic_Vij/status…

Glad the issue is resolved but this shouldn’t require virality. @HDFC_Bank hasn’t 'fixed' anything; they just engaged in PR damage control. It is an indictment of the system that a viral tweet and an MP’s intervention are now prerequisites for a routine banking transaction. A bank that only responds to public shaming is a bank that has fundamentally failed its customers. One hopes the same urgency is now shown in restoring provisional credits and completing chargebacks for Falcon-affected customers, instead of leaving them stuck for months citing “case in court.”

This mirrors my experience with @HDFC_Bank almost exactly. It is no longer just negligence; it’s a systematic exhaustion strategy designed to make you give up. 📍 Documents submitted multiple times with clear proof are "lost" to justify sudden closures. 📍 Selective omission of specific transactions in their written replies to manipulate the narrative. 📍 Zero provisional or temporary credit provided, despite applicable card rules. 📍 Serious customer data breach where HDFC shared another customer’s private info with me. 📍 I have seen 50–100 tickets quietly parked and closed since last year without a single resolution. The cycle is always the same: Reopen → Delay → Close → Repeat. When a bank this size treats evidence and sensitive data so casually, it’s a total institutional failure. And yes, @RBI remains a silent spectator

@NayabSainiBJP youtu.be/PqfbE5qcgg4?si… Do the needful 😐

@NayabSainiBJP youtu.be/PqfbE5qcgg4?si…

@Vic_Vij @devinamehra @iPravinKaushal @livemint @livemint @htTweets @timesofindia @republic @moneycontrolcom @business_today @ZeeBusiness

The “research-oriented” startup narrative is increasingly being used as a laundromat for illegal funds. @iPravinKaushal’s @livemint piece on so-called “patient patents” lays bare the mechanism: patents are filed for valuation optics, not innovation. With barely a 16% grant rate, these filings serve as camouflage for where the capital actually comes from. Case in point: the @RameshNarasimh9 @WorldlineMS @PAVacheron @TheOfficialSBI @FalconInvoice (Amardeep Singh) scam. The Enforcement Directorate has mapped a ₹4,215 crore global money trail. The statutory auditor, Sharad Chandra Toshniwal, is already in custody for assisting in laundering these proceeds of crime into specific hardware and healthcare entities. As per the ED, ₹23.6 crore of stolen investor money was routed as equity and loans into an entity that is now brazenly preparing for an IPO. How does a company built on proceeds of crime even reach the public markets? We celebrate “innovation”, but what we are witnessing is patent theatre masking a Ponzi foundation. When the capital is criminal and the auditor is in jail, an IPO is not an exit. It is a transfer of risk to the public.

Indians are becoming more research oriented and innovative... or are they? This was by far the most depressing piece I have read in a business newspaper for a very long time One hears all this talk of how the new generation is more innovative and research oriented than Indians have been till now...And THIS is the reality! The worst kind of Indian jugaad 🤦 As the writer @iPravinKaushal says 'startup founders file patient patents to strengthen valuation narratives' In other words, patents are being filed not because some genuine innovation has been made, but mostly just as window dressing to raise more money As many as five out of six patents filed in India are never actually granted. Let that sink in. Many don't even make it to the second stage... Most simply not pursued because the companies filing were not really serious about them in the first place 'Patents become more decorative rather than functional' Patents are a 'Marketing tool not a marker of genuine innovation' Already China spends something like 25 times what we do on research and development... And here when the companies are raising money on the promise of innovation they still have no intention of actually doing it Shame! @livemint @WritesRavi @vijayshekhar @sbikh @firstglobalsec @fghumsmallcase

@MnshaP @aajtak Why is there no debate on this now?

Must watch - back in 2013 when rupee fell to 61. Not falling rupee, it’ll tell you a lot about missing spines.

Misuse & Mishandling of Escrow funds by corporates like #falcons & the bank & banking system is mum @ICICIBank , who can save the @falcon_victim from the fraudster like @WorldlineGlobal , who overlooked all RBI guidelines & now the #Judiciary too supporting these fraudster.

Mr. @anandmahindra praised CM @ncbn for the innovative Escrow Account policy. Innovation is welcome but only when it is safe. 🔒✨ The @RameshNarasimh9 @WorldlineMS @PAVacheron – @TheOfficialSBI – @FalconInvoice (Amardeep Singh) case exposed a regulatory gap where: The Escrow Bank (@ICICIBank) gave Permanent Credit to one customer in July… …but closed all others, citing “case in court” the same line used by the @RBI. 🏦❓ This inconsistent governance is an institutional failure. @ICICIBank_Care has not responded from Customer Care to Senior Management. 📞🚫 Across the chain Issuing Banks (@HDFC_Bank, @KotakBankLtd, @AxisBank, @IDFCFIRSTBank ...), PA (@WorldlineGlobal @WorldlineFS), and Acquiring Bank (@TheOfficialSBI) — every layer failed the honest taxpayer. 💳❌👥 Even after this, similar fraud patterns continue in Hyderabad, where 1 in 4 FIRs is a cyber-fraud case. Different state, yes, but the risk environment around digital payments makes strong governance essential for AP too. ⚠️📉 Mr. Naidu, what governance checks ensure your Escrow policy prevents this kind of self-serving, system-wide failure? Because today, thousands of families remain stuck in court hearings moved seven times and still counting. ⏳⚖️ @narendramodi @nsitharaman @nsitharamanoffc @PMOIndia @CIDTelangana @TelanganaCMO @Shikhagoel_IPS @suchetadalal @josyjosephkj @afrozsahil @nehadixit123 @latha_venkatesh @chandrarsrikant @barandbench @SinghNavdeep @LiveLawIndia @SandeepParekh @devinamehra @SajjanarVC @svembu

@Psyke002 @garrywalia_ @grok @grok is it AI generated video?

@garrywalia_ @grok ye kaha ka video hai

ये नौटंकी बंद होनी चाहिए , अगर आग लगी तो इसकी अकेले की गाड़ी नहीं आस पास के लोग भी जलेंगे . कहाँ सो रखा है पुलिस प्रशासन इस पर मुक़दमा दर्ज होना चाहिए

@INCIndia Aisi baatein saajha karni chahiye kya?

ये है SIR का खेल 👇 जयपुर में BLO न वोटर के घर गईं, न फॉर्म दिया, फिर भी वोटर और उसके परिवार का नाम वोटर लिस्ट से काट दिया। SIR में टारगेट कर लोगों के नाम काटे जा रहे हैं। कारण पूछने पर झूठ बोला जा रहा है। वोट का अधिकार छीनना संविधान पर हमला है- ये बर्दाश्त नहीं किया जाएगा।

@Vic_Vij @HDFC_Bank @RameshNarasimh9 @aubankindia Really congratulate you on protecting the consumers as per the banking and payment industry laws and not disrupting on the order of @WorldlineGlobal I am sure, many victims will open AU Bank accounts and move the funds to @aubankindia after this matter is over

#MondayThoughts Saw this full-page “digital fraud awareness” ad by @HDFC_Bank today. And one question keeps echoing: Who is fooling whom? Because while the ad warns the public about frauds… HDFC still refused chargebacks for genuine victims in the @RameshNarasimh9 @WorldlineMS @PAVacheron–@TheOfficialSBI @FalconInvoice payments case. HDFC still didn’t raise disputes with the acquiring bank, even when the rules required it. 🚨 And when @Visa_IND, @mastercardindia, @RuPay_npci @NPCI_NPCI, @TheOfficialSBI, #AUSmallFinanceBank and others have already raised their objections in the Bombay High Court case… HDFC alone has missed the Court’s affidavit deadline by more than 90 days.⏳ So what are these ads really for? Public awareness? Or public distraction to keep media busy with posters instead of questions? Real accountability doesn’t come from cartoon fraudsters. It comes from a bank following the rules when its own customers are defrauded. @narendramodi @rbi @nsitharaman @nsitharamanoffc @PMOIndia @CIDTelangana @TelanganaCMO @Shikhagoel_IPS @suchetadalal @josyjosephkj @afrozsahil @nehadixit123 @latha_venkatesh @chandrarsrikant @barandbench @SinghNavdeep @LiveLawIndia @SandeepParekh @devinamehra @SajjanarVC @svembu

@Vic_Vij @HDFC_Bank @RameshNarasimh9 @ICICIBank @AxisBank @MyIndusIndBank @WorldlineGlobal and used logos of blue chip companies like @Infosys @britannia and many more @RBI @livemint @BrutIndia @ThePrintIndia @htTweets @FinancialXpress @FinancialXpress @moneycontrolcom

@Vic_Vij @HDFC_Bank @RameshNarasimh9 @HDFC_Bank @ICICIBank @AxisBank @MyIndusIndBank Where is the accountability... Why not challenging @WorldlineGlobal who has onboarded this fraud merchant and enabled it to work for 3+ years and collect money from people in the guise of a legitimate invoice discounting business

✍️ #SundayMusings The best validation isn’t applause, it’s engagement from people who set the standards. Humbled by acknowledgments from Sucheta Dalal ji (accountability) and Sridhar Vembu avargal (architecture). Their work is a reminder that truth and engineering excellence are non-negotiable. And that brings us to today’s #SundayMusings - banks, bad actors, and the new rules of accountability. Eleven Months, Clear Facts, Missing Refunds Seven months of waiting for a hearing… and in the meantime, major banks didn’t just close customer disputes in the [@RameshNarasimh9 @WorldlineMS @PAVacheron – @TheOfficialSBI – @FalconInvoice (Amardeep Singh)] case - even the @RBI Ombudsman closed complaints saying “the matter is in court.” And yet, the facts are painfully clear: @Mastercard @mastercardindia @Visa_IND @Visa @RuPay_npci have all confirmed: ✔️ Chargebacks are valid ✔️ Services were not provided The contrast today could not be sharper: #AUSmallFinanceBank with fewer resources and far less noise filed an affidavit supporting customers. A small bank showing more spine than the giants. So @RBI… are you watching? If a small bank can stand with its customers, what exactly are the other banks @HDFC_Bank @ICICIBank @AxisBank @KotakBankLtd @IDFCFIRSTBank ... waiting for? What exactly are you waiting for? The facts are clear. The networks are clear. The services were never delivered. Only the refunds are missing. It’s time the silence broke and the money returned to the people it belongs to. @narendramodi @nsitharaman @nsitharamanoffc @PMOIndia @CIDTelangana @TelanganaCMO @Shikhagoel_IPS @suchetadalal @josyjosephkj @afrozsahil @nehadixit123 @latha_venkatesh @chandrarsrikant @barandbench @SinghNavdeep @LiveLawIndia @SandeepParekh @AMF_France_News @FranceFintech @FinTechFrance @France24_en @LesEchos @Mediapart @fabricearfi @devinamehra @SajjanarVC @svembu ✍️ #RéflexionsDuDimanche La meilleure des validations, ce n'est pas l'ovation — c'est l'engagement des personnes qui définissent les normes. Je suis touché par la reconnaissance de Sucheta Dalal ji (sur la responsabilité) et de Sridhar Vembu avargal (sur l'architecture). Leur travail nous rappelle que la vérité et l'excellence en ingénierie sont non-négociables. Ceci nous amène aux #RéflexionsDuDimanche d'aujourd'hui : les banques, les acteurs malveillants et les nouvelles règles de la responsabilité. Onze Mois, Faits Clairs, Remboursements Manquants Cela fait maintenant onze mois que les victimes ont déposé des litiges. Et sept mois d’attente pour une audience… pendant lesquels les grandes banques n'ont pas seulement clôturé les litiges clients dans l'affaire Worldline – SBI – Falcon (Amardeep Singh) — même l’Ombudsman de la RBI a clos des plaintes en déclarant que « l'affaire est devant le tribunal ». Pourtant, les faits sont d'une clarté douloureuse : ✔️ Les chargebacks sont valides ✔️ Les services n'ont pas été fournis (confirmé par Mastercard, Visa et RuPay) Le contraste aujourd'hui ne pourrait être plus frappant : AU Small Finance Bank, avec moins de ressources et beaucoup moins de bruit, a déposé un affidavit en faveur des clients. Une petite banque qui fait preuve de plus de courage que les géants. Alors RBI… regardez-vous ? Si une petite banque peut soutenir ses clients, qu’attendent les autres banques -HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank, IDFC FIRST Bank ...? Les faits sont clairs. Les réseaux sont clairs. Les services n'ont jamais été rendus. Seuls les remboursements manquent. Il est temps que le silence soit brisé et que l’argent retourne aux personnes à qui il appartient légitimement.

Instead of launching an investigation into the ₹62,000 crore scam exposed by RK Singh, the BJP and Narendra Modi have thrown him out of the party. Their policy is simple: we will loot as much as we want, and if anyone exposes us, we will throw them out.