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Can someone give me step-by-step instructions on how to sue marketing callers (when I have them on the phone, which info should I try to ascertain)? Which legal forms/demand letters should I use to send to them?

If you have just one company contacting you after requesting removal of their call list - visit FTC (federal trade commission) website for details on reporting companies!First, most calls are “solicited” and you can NOT sue someone who is calling you that has your permission to do so.Secondly, phone numbers are recycled just like mailing addresses. So you could be receiving “solicited” calls for the previous owner(s) of your phone number - this is why we ALL get past resident mail.Before you take time to gather appropriate info/forms, etc to sue them make sure you have done the following…Register your number with the National do not call list - print evidence of this. Google FTC (federal trade commission) unwanted calls. This service ONLY takes care of reputable companies who run their call list thru this database!Contact every company you do business with and opt out of “sharing” vis their privacy policy or by logging into your account and changing your preferences (marketing, security, privacy, your choices, etc.). This includes (bank, insurance, subscriptions (AARP, AAA, etc.), magazine subscriptions, creditors, loans, cable/dish, streaming service, internet provider, mortgage company, credit cards, social media (PayPal, Amazon), etc.)Contact your phone provider and opt out of sharing - don’t forget CPNI. I also suggest checking into a port freeze - off subject but worth it.Reduce your snail junk mail - see my other posts on this topic. My unwanted calls (spam, scam, telemarketing & robocalls, etc.) have completely STOPPED after eliminating my snail junk mail. I expected the telemarketing to stop but not the others!Google cleanse your phone number. Basically, search your number and request removal from any website that appears. I suggest starting with whitepages, beenverified, spokeo, radaris, intelius, peoplefinders, Melissa Data, etc. The websites opt out/removal will be located at the bottom of their webpage or hidden in their privacy policy.political calls - they get your info from voter registration cards. I always deregister to vote after every election and the register again before the next election. This keeps your info out of “public record” for lengthily time frame. Also, phone and email info IS optional so you don’t have to provide it BUT you run the consequence of NOT being properly notified of a rejected election ballot.Political calls for the other party your connected to (wanting you to vote for them) - this is a sign that your phone number is on someone else’s voter registration (especially if they ask for this person by name). Take note of this and notify your local election board and have them make sure your phone number (email as well) isn’t listed on someone else’s voter registration.Spread the word of the steps above - hopefully the previous owner(s) of your number will get the message and do the same - reducing your unwanted calls meant for them.

What are the features of an SBI multi-currency travel card?

State Bank Multi-Currency Foreign Travel Card ("Foreign Travel Card") is the smart way to carry your travel money. Simply load one or more of the following currencies- US Dollars, British Pounds, Euros and Singapore Dollars to your State Bank Multi-Currency Foreign Travel Card and when you're travelling, use your Card to withdraw money from over 2 million ATMs worldwide accepting MasterCard® cards, or to pay for goods and services in shops, restaurants and hotels around the globe, displaying the MasterCard Acceptance Mark (other than in India, Nepal and Bhutan, or for payment of goods in Indian Rupees or the currencies of Nepal and Bhutan).If you have insufficient funds in a transaction currency to pay for a transaction, the balance of the transaction will automatically be deducted from other available currency (ies) on your Card, in the following order of priority: USD,GBP, EUR and SGD, subject to the applicable exchange rate and cross currency fee (see Fees and Limits Table).With the State Bank Multi-currency Foreign Travel Card, you can lock in the exchange rates on your currencies each time you reload+. Simply visit FTC issuing branches of State Bank of India.Looking for your nearest branch? Click here for a detailed list of branches.+ Please note that any loads or reloads are made at the relevant exchange rate, applicable for Foreign Travel Card, on the day that the load is processed (this varies from day to day).SECUREYour State Bank Multi-Currency Foreign Travel Card is not linked to your bank account and comes with 24/7 Global Assistance. If your State Bank Multi-Currency Foreign Travel Card is lost or stolen, please contact our Card Services team immediately, so that they can cancel it. If you have an additional Card, you can use it to access your funds. If both your Cards are lost or stolen, our Card Services team can offer assistance, including emergency cash replacement up to the available balance on your Cards (subject to availability in the relevant location).Chip and PIN protectedAdditional Card available for backup24/7 Global Assistance, including free Card replacement if your Card is lost or stolenPeace of mind, as the Card is not linked to your bank account.CONVENIENTMultiple currencies on one CardWithdraw local currency at over 2 million ATMs worldwide, accepting Mastercard cards, or use your Card to pay directly for goods and services at 34.5 million merchants, wherever you see the Mastercard Acceptance Mark (other than in India, Nepal and Bhutan, or for payment of goods in Indian Rupees or the currencies of Nepal and Bhutan)Locking in the value of your Card balance, whenever you (re)load your State Bank Multi-Currency Foreign Travel Card, could help you to avoid exchange rate fluctuations and variances while you're abroad, and clear charges give you the control to manage your budgetNo bank account information is required to obtain and start using your State Bank Multi-Currency Foreign Travel CardManage your Card online, with secure visibility of balances and transaction details, and services like an ATM locatorRELOADABLEYou can easily reload your State Bank Multi-Currency Foreign Travel Card++ with more funds ahead of your next trip, until the Card expiry date. Simply take your State Bank Multi-Currency Foreign Travel Card, valid passport and Form A2 (available at branches) and top up at FTC issuing branches of State Bank of India – subject to FEMA guidelines and other regulations. Click here for a detailed list of branches.Reloadable until expiry date on the Card - within the limits of the Card++++ Until Card expiry and subject to reload limits (see Fees and Limits table). Limits are subject to FEMA regulations, imposed by The Reserve Bank of India from time to time.[1]Network operator charges may apply.How does State Bank Multi-Currency Foreign Travel Card compares to travellers cheques?The State Bank Multi-Currency Foreign Travel Card is much more convenient than travellers cheques, because you can use it to withdraw money directly from millions of ATMs worldwide, accepting MasterCard cards. The Card can be used fee free to make purchases from millions of merchants worldwide(other than in India, Nepal and Bhutan, or for payment of goods in Indian Rupees or the currencies of Nepal and Bhutan), displaying the MasterCard Acceptance Mark. You can reload the Card with more funds, ahead of your next trip. Like travellers cheques, you lock in the exchange rate(s) on the day of the (re)load, thereby avoiding possible exchange rate fluctuations or variances (when used in the currency of your destination) during your trip and allowing for tighter budget management.Some ATM operators and merchants may charge a fee or set their own limits. Please confirm whether any fees or limits apply, before making a withdrawal or purchase.How does State Bank Multi-Currency Foreign Travel Card compares to credit or debit cards?As the State Bank Multi-Currency Foreign Travel Card is not linked to any of your bank or credit card accounts, these accounts remain totally separate. Also, the Card doesn't have your name or any other personal details on it, so your identity is secure if the Card is lost or stolen.Your State Bank Multi-Currency Foreign Travel Card can hold up to four currencies for major destinations, and allows you to lock in the rates of exchange at the time of (re)load, so you know how much you have to spend when making a purchase or cash withdrawal abroad in those currencies. By comparison if you use your credit or debit card you are subject to exchange rate fluctuations.The State Bank Multi-Currency Foreign Travel Card is available immediately upon application at a branch and is supported by a 24/7 Card Services team. Fees and charges are also clear (see Fees and Limits table) - for example, you'll know exactly how much an ATM withdrawal will cost you, allowing for accurate budgeting.State Bank Multi-Currency Foreign Travel Card is issued by State Bank of India, pursuant to license by MasterCard Asia/Pacific Pte. Ltd. MasterCard is a registered trademark of MasterCard International Incorporated.For more details and apply online visit link SBI CUSTOMER REGISTRATION

I sent some money to an online romance scammer. How can I get my money back?

Last year, people reported losing $143 million to romance scams – a higher total than for any other type of scam reported to the FTC. And, according to a new FTC Data spotlight reports of romance scams are on the rise.What do we mean by romance scams? We’re not talking about the person you thought was “the one” but ended up being a dud. We’re talking about people you meet online, who lavish you with attention … and then ask for money. Usually they want the money by wire transfer or gift card. They might claim they need it for a medical emergency or to come visit you. Then they take your money, but there’s no surgery and no trip.Romance scammers are hard at work wooing people on dating apps and social media. They may lift photos to create an attractive profile or even steal the identity of a real person. Just like with real romances, it may take them some time to gain your trust, but the scammer’s payoff can be big. Last year, people reported a median loss of $2,600 from romance scams.How can you avoid romance scams?Never send money or gifts to a sweetheart you haven’t met in person.Take it slowly. Ask questions and look for inconsistent answers. Check the person’s photo using your search engine’s “search by image” feature. If the same picture shows up with a different name, that’s a red flag.Talk to someone about this new love interest. And pay attention if your friends or family are concerned.If you suspect a romance scam, cut off contact right away. Then, report to the scam to the FTC Notify the dating site where you met the scammer, too.Report your cases to a reliable Recovery company. This is an action with high chance of getting your money back, because recovery company strictly deal with lost fund cases under false pretense, but most people fall victim of scam to fake recovery company out of desperation. There are loads of fake recovery company out there and also there are real ones, example of a real recovery company is Cromton Tech, this company work with high skills and a company with government license.[1]Getting your money back today depends on how fast and the very best action you like to take to get your moneyFootnotes[1] 1 of the Best digital tech online

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