FOOD HANDLERS ACT - A MUST FOR MALAYSIA!

TIME FOR A FOOD HANDLERS ACT IN MALAYSIA!

Yes, I sound like John the Baptist - a voice crying in the wilderness urging, appealing and screaming for a comprehensive Food Handlers Act in Malaysia!

The reasons are aplenty from the ineffectiveness of the Food Act 1985 which is outdated, to the sorry, corrupt and ineffectiveness of our enforcement and total invasion of this sector by foreigners from Indonesia, Bangladesh, Pakistan, Myanmar, Thailand, Africa, Middle East and West Asian countries to our own Malaysians!

With the reemergence of many once eradicated diseases – we need to question and seek answers to the present problems brought about by apathy, incompetence, corruption and sheer lack of political and professional will!

So if my appeal for a Food Handlers Act is favorable -

What do they cover?

The Regulations apply to all types of food and drink and their ingredients.

But some businesses - generally manufacturers of products of animal origin, such as dairies or wholesale fish markets - follow their own product specific regulations. These regulations are listed

Identifying and controlling food hazards

As the proprietor of a food business, you are expected to:

• make sure food is supplied or sold in a hygienic way;
• identify food safety hazards;
• know which steps in your activities are critical for food safety;
• ensure safety controls are in place, maintained and reviewed.

Controls do not have to be complex. There are systems that can be used by food businesses to ensure that hazards are identified and controls are in place.

For example - Hazard Analysis and Critical Control Points (HACCP) is one of a number of such systems.

The Regulations aim to set out basic hygiene principles, which are generally not new. But their emphasis is different from previous regulations. They focus more strongly on how to identify and control food safety risks at each stage of the process of preparing and selling food.

Rather than simply following a list of rules, the Regulations let you assess the risk to food safety and then apply controls relevant to your own situation.

This will work provided you are accountable and ethical!

But in all fairness - not all the requirements for the structure and equipment of food premises will apply to you.

Some are followed by the words “where appropriate” or “where necessary”.

For example, one provision states that, “where appropriate” floors must allow surface drainage. But where you have a system to ensure water does not build up, so that there is no risk to food safety, actual floor drains may not be necessary. So there is no absolute requirement to have them.
Basic requirements for food businesses

Food premises should: (and where *Malaysian food outlets fail!)

• be clean and maintained in good repair;
• be designed and constructed to permit good hygiene practices;
• have an adequate supply of potable (drinking) water;
• have suitable controls in place to protect against pests;
• have adequate natural and/or artificial lighting;
• have sufficient natural and/or mechanical ventilation;
• provide clean lavatories which do not lead directly into food rooms;
• have adequate hand washing facilities;
• be provided with adequate drainage.

Rooms where food is prepared, treated or processed should generally have surface finishes which are easy to clean and, where necessary, disinfect. This would, for instance, apply to wall, floor and equipment finishes. The rooms should also have:

• adequate facilities for washing food and equipment;
• adequate facilities for the storage and removal of food waste.

Of course, many of the Regulations are basic minimum hygiene standards which apply to every food business. But how they are applied still depends on the situation. For example, every food premises must be kept clean. But how they are cleaned, and how often, will be different for a manufacturer of ready-to-eat meals than for a bakery selling bread or even fast food outlets!

Supplies of raw materials

Do not buy or supply any raw materials if you think that even after sorting or processing they could make food unfit for human consumption. Any material which you suspect or know to be infected or contaminated with parasites or foreign substances to this extent should be rejected.

Quality of Water in food

There must be an adequate supply of potable (drinking) water, to be used whenever necessary to ensure food is not contaminated. In the vast majority of cases, this is supplied via the public water supply. But if there is any doubt about the quality of a water supply, you should seek advice from your local council Environmental Health Services.

Personal hygiene for food handlers

Anyone who works in a food handling area must maintain a high degree of personal cleanliness. And the way in which they work must also be clean and hygienic. Food handlers must wear clean and, where appropriate, protective over-clothes. Anyone whose work involves handling food should/must:

• observe good personal hygiene;
• routinely wash their hands when handling food;
• never smoke in food handling areas;
• report any illness (like infected wounds, skin infections, diarrhea or vomiting) to their manager or supervisor immediately.

If any employee reports that they are suffering from any such illness, the business may have to exclude them from food handling areas. Such action should be taken urgently. If you have any doubt about the need to exclude, you should seek urgent medical advice!

Employers must not send them to work fully knowing that they are ill as many do today!

Preventing food contamination

Food handlers must protect food and ingredients against contamination which is likely to render them unfit for human consumption or a health hazard. For example, uncooked poultry should not contaminate ready-to-eat foods, either through direct contact or through work surfaces or equipment.

Training and supervising food handlers

Food handlers must receive adequate supervision, instruction and/or training in food hygiene. Each food business must decide what training or supervision their food handlers need by identifying the areas of their work most likely to affect food hygiene.

Many of the guidelines in this guidance apply equally to food businesses trading from temporary or occasional locations like those under the tree, stalls, by hawkers, entrenched sites, canteens and so forth.

But because not all of them will be practical, there are also some slightly different requirements. However, wherever food is sold, two basic rules always apply:

• there should be adequate facilities to prepare and serve food safely; and
• food handling procedures should avoid exposing food to risk of any contamination.

Even some fast food and high end outlets are guilty of this from consumer feedbacks and our observations.

I have repeatedly asked those operating under such licenses to read again the conditions of their franchise from the mother company in the United States, the UK, and Spain, Germany or the cold terrains of the North Pole!

Let us say – No to any more food poisoning incidences or worst the continued increase of diseases we had at one time eradicated!

 Our campaign against RACISM of all forms!

CONSUMER - WHY HIGH PRICES COLD STORAGE?

‘Should we then boycott Cold Storage?

I hope outlets are fair and reasonable in their price index!

We are not asking them to be charitable but fair and reasonable!

Business outlets can make a profit but they should not indulge in acts of profiteering!

I hope the much waited for Profiteering Act will come into place soon after my appeals for such for over 17 years!’ - Dr Jacob George

CONSUMER - WHY HIGH PRICES COLD STORAGE?

Dear Dr Jacob,

I normally do not pay attention to my grocery purchases until I moved to live in Bangsar, a month ago.

When I mentioned that I shop frequently in Cold Storage at Bangsar Shopping Centre, my fellow Bangsarian (who are rich) said that some goods in Cold Storage in BSC are over priced.

I thought prices are about the same compared to the rest of the supermarkets and if there is a 20-30 cents difference I will not be bothered.

In my case – it is biscuit making time during this time of the year and I will need a lot of butter.

I was shocked when I realized that SCS Butter was at RM9.29 for 250gm at Cold Storage, BSC.

I took it upon myself to check on the difference of prices of the other two supermarkets in Bangsar.

Dr Jacob for your information - the pictures enclosed paint a thousand words.  They were taken within 4 days of last week,

The price for Butter at Bangsar Village on 27 Jan was RM7.89.

At TMC just ‘over the road’ it was RM6.88 on 28 Jan and for some inexplicable reason at Cold storage on 30^th Jan it was RM9.29.

To me this is RM1.40 more than Bangsar Village and RM2.41 or 35% more than TMC.

I hope Cold Storage can explain this huge difference of price when the other two supermarkets are also in the same location!

Thank you.

Yours faithfully,

Jullie Lim

CASSA SECRETARIAT - We hereby confirm that Ms Lim had also provided us photographs of all the outlets with the stated item price listed! 
 Our campaign against RACISM of all forms!

A PICTURE WORTH A THOUSAND WORDS!

It is an interesting picture with a message! Pray we all get wind of that message before it is too late!

LEVY SANCTIONS ON RACIST POLITICIANS THE US AND EU URGED!

‘The instrument I am referring to is a comprehensive travel sanction levied on each of these politicians no matter which country they originate!

This should be followed up with the freezing of their assets and bank accounts abroad!’ - Dr Jacob George.

LEVY SANCTIONS ON RACIST POLITICIANS THE US AND EU URGED!

Once they were all stationed in South Africa but since those dark days of apartheid – racism and racist policies have mushroomed the world over!

Today it is official nationalistic policy in some countries to spearhead racism, racial and religious profiling!

And when this is done the damage to a society is far greater than can be envisaged!

We already have the war against terrorism and perhaps it is time for another war!

Not a war using weapons of destruction but a war targeted at politicians the world over who spearhead acts of racism and religious prosecution on minorities of the land!

The instrument I am referring to is a comprehensive travel sanction levied on each of these politicians no matter which country they originate!

This should be followed up with the freezing of their assets and bank accounts abroad!

It is time the international community stood together addressing racism, religious profiling and the displacement of minorities and defenseless communities by political mind games and brute force!

Both the US and members of the European Union have between them the hard and software to initiate this without delay!

This brings us to the question of the identification of racist politicians spurring venom of hate in their respective societies create turmoil and racial riots and displacement!

Whether this is in Somalia, Uganda, and Yemen, Zimbabwe or countries in the Asia Pacific region no one should be left unfiltered!

The US, the European Union have their respective diplomatic personal stationed and in each diplomatic enclave therein!

You have your respective attaches who can monitor the local media networks and a report therein compiled and submitted for immediate action!

It is time we handled these racist politicians in an international effort!

It will also prevent the same politicians speaking with a ‘warped logic, forked tongue and venom’ in domestic politics , but by some ‘inexplicable transformation’ (?) as ‘peace ambassadors and international statesmen’ in international forum!

These racists are no better than those who today target innocent soft targets and civilians be they in Bosnia, in Palestine, in Somali, Yemen, Iran, Pakistan the Arabian peninsula states, the African continent, North Korea, Myanmar or other South East Asian States!

 Our campaign against RACISM of all forms!

BANK NEGARA - PROTECTING CONSUMERS OR THE INSURANCE INDUSTRY?

‘Bank Negara officials cannot be so insensitive and stupid as not to know that public/consumer sentiments on the ground towards any radical change of policies affecting them will bring resentment, drastic opposition and a groundswell of anger towards the federal government!’ - Dr Jacob George

BANK NEGARA - PROTECTING CONSUMERS OR THE INSURANCE INDUSTRY?

I am surprised that despite my highlighting of this issue in my earlier blog posting nothing has come out in a public statement from Bank Negara towards addressing a joint meeting of all stakeholders who will be affected by the outcome of the introduction of a ‘no fault claim’ proposal!

Bank Negara officials cannot be so stupid as not to know that public/consumer sentiments on the ground towards any radical change of policies affecting them will bring resentment, drastic opposition and a groundswell of dissatisfaction towards the federal government!

I say it would be suicidal and really stupid to also pretend that there is no such policy initiatives in the pipeline based on recent comments on the same by the authorities.

I am aware that many groups have requested for a briefing from Bank Negara but sadly this has yet to materialize!

Why the fear and why the uneasiness to facilitate a joint discussion with stakeholders and the civil society?

It is all part of good governance and accountability and public policy initiatives should always be transparent!

Is it because the insurance lobbyists and Bank Negara are in a sine biotic relationship of sorts?

Is it because this is another apparent way to protect the insurance industry and their players at the expense of Malaysian consumers and others who are also stakeholders holding various responsible portfolios on behalf those who will be affected by any change in the way this scheme operates!

We cannot pretend that there is no such scheme based on the 2010 budget speech!

If this is mismanaged this will hurt the Najib administration very badly at a time the Prime Minister is working at breakneck speed to bring the country’s constituents together with policies that will protect their rights and interests!

This must be handled right or it will hurt the PM’s prioritizing of consumers needs!

I must warn all parties that after over 37 years in consumer advocacy and public policy policing, I am aware of each and every trick and my humble advice to Bank Negara is to refrain from any acts or omissions that may be seen as being extremely cordial to the insurance lobbyists and their cronies at the expense of consumers!

Malaysia is not the US, Australia, New Zealand, countries that are part and parcel of the European Union where there are social safety nets and parachutes to protect consumers and accidents victims and families!

If I fail to receive a call from Bank Negara confirming a platform organized for the mutual discussion of this new proposal with all stakeholders, I will personally share my grievances and that of my colleagues nationwide to Prime Minister Najib Tun Razak!

This is not right Bank Negara!

Bank Negara must be seen with the consumers and their stakeholders who protect consumer rights not with the bourgeoisie cigar smoking rascals in silk suits - the ‘fat cats’representing the industry or worse their lobbyists!

 Our campaign against RACISM of all forms!

ISA ARREST – WELL DONE HOME MINISTRY!

‘I pointed out in my earlier blog posting urging, appealing our authorities to look at the serious gaps in our ‘Malaysia second home program’, others setting up tourist and tour companies here, we have some suspicious ‘tourists arrivals and repeat visits’ and certainly others claiming to be students arriving here!

There is enough material on sleeper agents and others financing and acting behind these terrorists groupings and it is not always what it seems!’ - Dr Jacob George

ISA ARREST – WELL DONE HOME MINISTRY!

Most times we tend to be ungrateful!

Ungrateful that there are people out there sacrificing that we can walk a safe street, sleep a sound sleep and walk a sound walk in the parks with our family and children!

We take the security of the nation for granted!

So yes – I do not take lightly the unsavory comments that the Ministry of Home Affairs acted ‘unprofessionally or unsavory’ in arresting several individuals under the Internal Security Act!

Whether they are businessmen, politicians or even students, more so, foreign students here it is most important to remember that there is a ‘war’ out there carried out on soft targets!

And as I pointed out in my earlier blog posting urging, appealing our authorities to look at the serious gaps in our ‘Malaysia second home program’, others setting up tourist and tour companies here, we have some suspicious ‘tourists arrivals and repeat visits’ and certainly others claiming to be students arriving here!

There is enough material on sleeper agents and others financing and acting behind these terrorists groupings and it is not always what it seems!

There is no stereotyping of a modern day terrorists – he could be just anyone!

And there are enough materials on this if we bother enough to read instead of waiting to politicize each and every action of the Home Ministry undertaken unilaterally and in joint consultation and exchange of intelligence data and reports with others in the ‘war against terrorism!’

National security cannot and must not be compromised at the altars of ‘human rights platitudes or some one’s bull-shit politics!’

To claim that such moves to protect Malaysia undertaken by the Home Ministry is at the behest of western pressure or adverse influence in stretching one imagination towards the wild side!

In National security issues – such as these - only an absolute idiot will say that the ISA is a convenient tool to use to avert pressure by making foreigners, in this case mostly from the Middle East region, into scapegoats!

Are they suggesting that we float intelligence data all so freely complied at great costs and sometimes loss of lives by government operatives and undercover agents to appease them?

As far as I am concerned - Home Minister Hishammuddin Hussein has stated 10 people were held under ISA, which allows for detention without trial, for alleged terrorist links. He refused to divulge more information and rightfully so!

What was important was that they were alleged to be “involved in international terrorism” so the home ministry acted in the public interest!

And I am sure by now others if they are here will have fled!

As such - Malaysia must not release further information that could jeopardize the ongoing investigation.

As Hishammuddin Hussein stated  we are now dealing with international linkages, international terrorism, it cannot stop with just the people we apprehended because we do not know whose else is involved, who funds these operations and whether there are other sleepers around!

These days there many conduits, many groups, with great separation and non communication between sleepers and operatives as not to expose their operations if any in the various conduits are caught!

Many groups hardly know the other conduits involved except of the extent of their own operational issues!

But as the home minister said this is a good wake-up call because the playground for the terrorist is no longer one location.

We live now in a borderless world and the world has become the playground for these terrorist operatives!

In the meantime – I cannot but say – ‘Syabas’ to the Home ministry and our special task teams entrusted to address this menace and threat!

 Our campaign against RACISM of all forms!

PERKESO – PENSION PENAKAT (C51/PKT/4) – Ruj:5206496 R. THIS PERSON NEEDS HELP!

The problem in Malaysia is even the institutions set up by the government with all the necessary support and infrastructure and funding to assist people in dire straits become overly incompetent, bureaucratic and red taped!

The give the federal government a bad name!

Those working there become instant pencil pushing idiots!

When I go public or take this to the Minister personally in Putrajaya - they get upset with me!

But they fail to realize that Malaysia is not the ‘ketua Bahagians and Cawagans or the runners and greedy politicians running after government projects, Bangladeshi workers quota and ’surat sokogans’ so that they can continue living that luxurious and wasteful lives of pretense - trophy wives, fast cars, luxury houses, foreign trips, honorifics, positions in GLCs, cigars and silk suits - nothing wrong if they had worked for it but not this way!

This is because the majority of the 27 million Malaysians are reflected in the struggle of this person writing this letter to me!

She knows no politicians, MPs, Aduns or power brokers in Penang, just this simple man whom her family came to meet and developed a family orientated bond for over three decade after I addressed a land scandal in Bagan Seria in Perak those days!

So before I turn ‘green’ or do so - those of you in the PERKESO office in Kuala Lumpur, please do the needful!

The enclosed letter speaks volumes and need no clarification. It is unedited in content with only the name and address of the one grieving removed!

I know the family over 37 years from my Consumer Association of Penang (CAP) and Sahabat Alam Malaysia (SAM)days!

She calls me ‘Anan’ a term of endearment in Tamil - as she and her family consider me their brother!- Dr Jacob George

PERKESO – PENSION PENAKAT (C51/PKT/4) – Ruj:5206496 R

THIS PERSON NEEDS HELP!

‘Dear Jacob Anan,

Many greetings to you.

I know knowing you – you will help if you can.

I am so fed-up with and grieved by this SOSCO people.

They did this to me last year and I had to go up and down to the SOSCO office in Penang so many times - taking annual leave and time off from work.

Thank GOD for one Ms. Chiam from SOSCO in Penang who kept calling SOSCO in the Kuala Lumpur office to help me.

I have already submitted all the relevant documents in time (as usual every year) to prove that I am a widow and Benedict (my only son) is still in College and yet they deduct my monthly SOSCO pension.

I am not rich. People think I am ‘rich’, even my own sisters because GOD gave me a heart that shares everything!

I am ‘rich’ in helping any one who needs help within what I have.

So relatives and others think I am ‘rich’ but GOD knows and my son knows how I struggle every month - living from paycheck to paycheck.

Since 2007 my pension has not increased a cent.

In 2007 - the increment was only RM36.97. My pay has not increased either.

I mentioned this to Mr. Paguman Singh of Sosial Security C. Sdn. Bhd., when he sent me an e-mail advising me to become a member of SSC by paying RM50.00 a year.

I paid once and after receiving only RM36.97, I did not think it was worth being a member.

I withdrew the second part of my EPF because Benedict did not get a scholarship for his degree course!

The price of everything has increased - so difficult.

I do not want SOSCO to deduct my SOSCO pension for just one more year.

Anan, I am sorry for crying to you. I know you have a good heart to help all who come to you.Please help me if you can. Below is the e-mail I sent to Perkeso yesterday.

Thank You. GOD Bless You Anan.

With Regards,

Name & Address known to this writer

Pension Penakat (C51/PKT/4) – Ruj: 5206496 R’

I trust there need not be a part 2 and 3 and 4?

I am certain this is not an isolated case for I believe for every case that comes to me there are 10 others that go unattended thanks to the red tape and  bureaucratic mess therein!

Got my drift? 

 Our campaign against RACISM of all forms!

AVOID UNHEALTHY FOOD AND BOYCOTT DIRTY RESTAURANTS!

‘That one which is on a 24 hour shift, workers all walking around like zombies, unshaven, clothes all dirty, preparing and handling food with one’s naked hands who only earlier was seen scratching their private parts, noses or worst areas disgusting!’ - Dr Jacob George

AVOID UNHEALTHY FOOD AND BOYCOTT DIRTY RESTAURANTS!

In 2006, the Health Ministry then led by the proactive, non nonsense and visionary health minister, Dr Chua Soi Lek (above left) came out with a brilliant plan to meet non-governmental organization (NGO) representatives to work on a campaign to educate the public on the pros and cons of fast food.

His then concern was the food served by many of Malaysia’s fast food outlets and the damage they do to current and future generation of Malaysians!

Yes, lifestyle is a major problem and needs looking into!

He also warned the bottle drink industry on the excessive use of sugar and coloring!

I want to echo his concerns here and go a step further this morning as I call for a drastic comprehensive program or ‘War’ against Restaurants serving unhealthy food!

Even the need to call for a nationwide boycott of such restaurants!

We can start with that corner shop in your neighborhood!

That one which is on a 24 hour shift, workers all walking around like zombies, unshaven, clothes all dirty, preparing and handling food with one’s naked hands who only earlier was seen scratching their private parts, noses or worst areas disgusting!

A visit to their cooking area will also reveal how food is recycled, the area where food is prepared and cooked being dirty!

It is common to find rat’s aplenty, cockroaches and other strays within and in its backyard!

Look at the dishes and curries served and carry out a test on the level of salt, oil and fats therein!

You do not have to be a rocket scientist or a dietician - just walk in any restaurant popular for its nasi kandar, fried mee, roti chanai, nasi briyani or nasi minyak and check!

I am aware that there have been discussions on this – even - in the Dewan Rakyat recently where our parliamentarians were debating on advertising restrictions for fast foods claiming their detrimental effects on health of Malaysians but must I remind them that fast foods are not the sole culprits here!

So my call today is two fold!

I appeal to my friends in the Ministry of Health to familiarize themselves with the Food Act and perhaps hear my cry for the last twenty years for a ‘Food Handlers Act’ and in the meantime go do an unannounced walkabout cum ‘operasi’ on that corner shop!

I will bet you will find:

1. Food being prepared and sold in unhealthy and unhygienic conditions

2. Food handlers unshaven, in dirty attire serving food

3. Quality of meat, vegetables and other raw materials used poor.

4. Food being recycled: - example the friend fish, chicken or meat of yesterday today being sold as sambal fish, chicken or meat!

5. The level of fats and oil just unhealthy.

6. The environment of the said kitchen, drains, rubbish area all in filthy condition and this is where the food is cooked and prepared!

All of the above means only one thing – the aspirations and Food Act is unfulfilled!

Rather than hyping on stereotyping certain kinds of food, it might be useful to educate Malaysians on choosing their foods based on caloric content and reminding them of the importance of a correct food pyramid.

Food providers also do have a role in propagating good eating habits and enlightening their patrons on the nutritional content of their menu.

So I expect even the ‘Mamak shops’ notorious for the quality of their workers and food to be able to make such declarations!

More so when they exhibit the ‘Halal’ certificates so prominently while failing in pertinent areas!

Last friday - I was with the religious authorities in Selangor discussing ways to address all these issues to protect the rights and interests of consumers!

I will not hesitate to call for a nationwide boycott of all eateries that breach the fundamentals of the Food Act!

 Our campaign against RACISM of all forms!

DOCTORS - PUBLICITY SEEKERS OR PLAIN SALESMEN?

‘Why allow them and their newspapers/magazines to be used as tools for someone’s personal and private agenda under the guise of ‘medical breakthrough’ without first checking with senior medical professionals’ - Dr Jacob George

DOCTORS - PUBLICITY SEEKERS OR PLAIN SALESMEN?

Really I find it just vulgar and degrading of the noble profession - when these doctors just cannot these days (thanks to amendments on advertising) lay off making a nuisance of themselves by making repeated press statements and other publicity stunts  on so called ‘one discovery or another!’

From the claimed non invasive cure for sinusitis or heart surgery to various ‘detox procedures’ using coffee or what have you to various cosmetic face, breast and ass lifts - all which these days are carried in our mainstream media under ‘health columns’ with these individuals posed photos and of all things some in - that vulgar bow ties!

No one wants to be let out!

Just scan some of the local mainstream newspapers from time to time or ‘raki’ several private hospitals, clinics or health clinics mushrooming in several malls nationwide or ‘pushing and pimping’ some argument on ‘wellness!’

Worst, these days – they have also vulgarly gone into revealing the names of organ donors and using that to canvass for more funding!

All this to me is a criminal breach of one’s privacy and highly unethical!

But the same idiots would not call the same press to tell them that the recipient has died days after that so much media hype!

Even if that is done it will get a two liner in extremely small fonts and in the back pages!

Is this all part and parcel of how the medical profession should carry themselves?

Is this because our ENT fellas and others do not have much work anymore that they need to join the long queue of our medical practitioners who just cannot let their work and skills speak for themselves like the many doctors, lead surgeons and specialists that I know of who shy away from the media but just work themselves to the ground without any media hype or the usual song and dance!

Most importantly, allowing their dedication, commitment and sacrifice to speak for itself!

In fact, in my last meeting I shared this concern with Malaysia’s proactive and no nonsense, Director General of Health Services, Dr Ismail Merican who himself also is a dedicated and committed practitioner who has not forgotten his medicine nor the volumes of professional ethics that comes with it!

Dr Ismail always welcomes constructive criticism and any feedbacks that are conveyed to uplift standards, professionalism and ethics!

He has assured me that he will do something about this!

Let me just address one of the issues!

As far as I know from my sources abroad this non invasive procedure for sinusitis is nothing new!

In fact, if you remember our former premier also went for such a procedure and returned Australia - without anyone making a fanfare or fuss of that!

I just cannot understand the media fellas either!

Can they not address the many issues that need be in primary health care?

Why allow them and their newspapers/magazines to be used as tools for someone’s personal and private agenda under the guise of ‘medical breakthrough’ without first checking with senior medical professionals attached with our Ministry of Health on their claims before running any story!

Why give so much publicity to individuals, certain private hospitals and private profit and egoistic operatives - so much exposure?

How is the ordinary man/woman going to benefit from that story?

Is this concretization?

My foot it is!

 Our campaign against RACISM of all forms!

A PRAYER FOR A MUCH LOVED SULTAN!

LET US PRAY FOR THE JOHOR ROYAL FAMILY!

I am deeply saddened to hear of the death of our beloved Sultan Iskandar Al-Marhum Sultan Ismail of Johor!

I have only fond memories of my encounters with him during my undergraduate/post graduate and initial working and hockey days both while in Taman Iskandar and Taman Skudai Baru Johor, prior to and after graduating from University!

Some of those cheerful moments were certainly alongside the late Mohamad Rahmat (Tok Mat) and late Dr Tibbs Fernandez in company!

As far as I am concerned behind that ‘strict and deep voice’ were a very2 kind and loving Sultan and a man who just loved sports and his subjects!

He was always encouraging, benevolent and extremely generous!

My deepest heartfelt condolences to newly crowned Sultan HRH Tunku Ibrahim Ismail Sultan Iskandar and the royal family for the deepest loss!

God Bless!

LET US PRAY FOR HRH THE SULTAN OF JOHOR!

LET US PRAY FOR HRH THE SULTAN OF JOHOR!

I am deeply saddened to hear that beloved Sultan Iskandar Al-Marhum Sultan Ismail of Johor is gravely ill and has been warded at the Putri Specialist Hospital in Johor Bahru today.

Let us all hold a prayer vigil and uphold him in our prayers praying for his speedy recovery!

He is a very loving and caring Sultan!

Let us also pray for HRH Crown Prince Tunku Ibrahim Ismail Sultan Mahkota (above left) who has been appointed as the regent of the state!

INSURANCE - ‘NO FAULT CLAIM’ BIG MISTAKE!(Part 2)

‘But there was certainly that ‘pound of meat’ there as well that gets my mind and that of my financial intelligentsia all excited with repeated mental orgasms in suspicion!

Is this another brain child of the ‘insurance mafia and lobbyists’ in the country?’ - Dr Jacob George

INSURANCE - ‘NO FAULT CLAIM’ BIG MISTAKE!(Part 2)

Yesterday Ms Alice George raised several pertinent questions pertaining to the possibility of drastic changes to the present structure of Mandatory Insurance coverage and payments!

And I was glad she did as it should be discussed on a wider platform than it has been done at the moment,

It was mind boggling and troubling - therefore I called up my intelligentsia to look at the issues, Alice raised.

In fact, only several days ago another friend, also a practicing lawyer had brain stormed on the same issue and its implications for consumers and law with me!

I am referring to the subtle attempt by the ‘back door’ to re-introduce drastic changes to various insurance schemes in Malaysia which includes the controversial – ‘no fault claim!’

Which of course is the brain child of the ‘insurance mafia and lobbyists’ in the country I am certain?

Charge high premiums but pay out less and claim it is done all for the sake of the consumers to save time, money, solicitors costs and prevent continued backlog of cases!

‘A win-win situation’- the proponents will say?

I am further troubled and have my reasons as I decided to read Bank Negara Governor’s keynote address at the financial industry conference 2009 on 17 November 2009 - 10 days before my birthday!

I am going to highlight the said paragraph and invite you to revert to me through emails or best call me to ascertain if you too felt the subtle maneuver of sorts taking place as we read in-between those lines?

I will go straight to the core avoiding the earlier discourse of colorful words, phrases, adjectives and references referring to ‘our financial standing as diversifies, broadened product offering, competitive, penetrative, strengthened governance, risk managed’ which may be highly brilliant in a paper presentation in our attempt to over sell ourselves but in my experience (all 36 years as a consumer advocate-gosh!)in today’s ‘market place blues’ – it is plain unadulterated poppycock!

But there was certainly that ‘pound of meat’ there as well that gets my mind and that of my financial intelligentsia all excited with repeated mental orgasms in suspicion!

That exciting paragraph is as follows:

‘In the insurance sector, greater competition will emerge from the

progressive deregulation of product rates. The current reforms in the

motor insurance sector will introduce far-reaching changes in a key

segment of the industry, with significant implications for the

business strategies of insurers and their approaches to risk

management. With the introduction of a new scheme for basic motor

insurance cover, pricing for non-statutory motor insurance will be

gradually liberalised, thus removing price distortions. This will

allow rates to adjust to underlying risk factors. This will also be

accompanied by a holistic review of motor insurance practices and the

supporting infrastructure to enable more scientific underwriting and

improve claims management. Industry groups have been formed to study

these issues and make recommendations for the smooth transition to

this new and more competitive environment, while at the same time

improving practices across the entire value chain of the motor

insurance sector. The groups have made good progress and the

recommendations are expected to be finalised for implementation in the

second half of 2010.’

Is the above paragraph very subtlety talking about the advent of the ‘no fault claims’ and other major changes changing the face of insurance protecting the industry at the expense of the victim/consumer’s long term interest?

I am of course also suspicious of the reference to the term ‘industry groups’ and clearly that these ‘industry groups’ are being formed to study and make recommendation?

Who are those in that ‘industry groups?’

Not,that I cannot suspect or speculate!

Is the wide cross section of stakeholders who will be affected also in that ‘industry groups’ that was cited?

I am referring to my friends in the legal fraternity (the Malaysian BAR), practitioners, legal advisers and consultants, members of the civil society, NGOs and most importantly - ‘a pain in the butt’ like me?

Will there be such a gathering to meet, discuss, debate, exchange price sensitive information and views in a exhaustive and comprehensive manner before introducing something as controversial as the ‘no fault claim!’

And more so - without holistic consultation and forcing it down our throats by brute force only to invite further controversy and community backlash!

Which in today’s political climate maybe destructive and embarrassing to the ruling elites and resulting in forced withdrawal in the public interest?

So to avoid such distress and embarrassment and the usual ‘roller coaster rides’ - may I suggest to the financial intelligentsia and bourgeois and my friends in Bank Negara – let all stakeholders meet – as Alice cited in a ‘open, transparent, accountable manner’ and bite, chew, peal through those contentious issues and most importantly for one – whether it is necessary and the right move in the first place to introduce the controversial ‘no fault claims’ or other drastic changes to the present insurance payout schemes in 1MALAYSIA?

Got my drift?

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TENANT FROM HELL KEEPING RESIDENTS OF PJ SS20/9 & 20/6 AWAKE!

‘I am bringing this matter to the attention of the Police and the Ministry of Home Affairs!’ - Dr Jacob George

TENANT FROM HELL KEEPING RESIDENTS OF PJ SS20/9 & 20/6 AWAKE!

Usually I ignore letters to me that are unsigned or without the name/address and mobile number!

But in this case I am willing to make an exception!

An exception because my children read the letter and were very upset when they read the last paragraph:

‘We desperately need urgent help. Please help us. Please send the right people to advice this tenant. You are our hope, we humbly beg for your help in ending this nuisance!’

My son Reuel said:

‘Dad I know the amount of pressure you are going through, your lack of sleep and rest but this was a plea from residents who have lived in that area for over 20 years in peace before a nightmare of a  resident came to live among them creating a public nuisance!

Dad you must give them your assistance!

Among the allegations against that ‘tenant from hell!’

He had numerous ‘sub-tenants’ and visitors of all ages and sexes coming in and out, there are at times over twenty cars driven in and out, to make matters worst there are wild and loud parties, mahjong sessions, shisha smoking, BBQs, loud singing and dancing  every other day including weekends ending up in the early hours of the morning!

According to the residents who wrote the letters they have also send a similar note to:

1. Ministry of Housing and Local Government
2. Majlis Bandaraya Petaling Jaya
3. Suruhanjaya Syarikat Malaysia
4. Kementerian Pembangunan Wanita, Keluarga dan Masyarakat.

I am told there have been police reports made and police cars have visited this house on numerous times but there is yet to be a cordial and peaceful solution to take into cognizance the rights and interests of other residents along SS20/6 and SS20/9 Damasara Utama, Petaling Jaya!

So this is to comfort the said residents that I am bringing this matter to the attention of the Police and the Ministry of Home Affairs!

I am also urging the residents to make a residents police report at the nearest police station and fax us a copy as well!

I will assure you that there will be an in-depth and comprehensive investigation of your grouses and action immediately taken!

I will also inform my friends in the media to highlight these complaints!

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MANDATORY INSURANCE COVER - QUESTIONS FROM CONSUMERS!

‘I have said it before and as Alice George here in her letter states rightly it is important for all stakeholders to discuss policy changes forthcoming in various Insurance initiatives before they become mandatory or law!

We do not support any protectionist policies, personal and private agendas of the lobbyists from the Insurance fraternity but support it - IF - it is for consumer protection!

Yes, I am biased and I do not apologize to any quarter for this position of mine!’ - Dr Jacob George  


CONSUMER - WHOSE INTEREST PROTECTED IN MANDATORY INSURANCE COVER? 

Dear Dr Jacob,

The Prime Minister in his budget speech last October 2009 indicated that the Government was to introduce mandatory insurance cover with expedited processing of claims.

Expedited settlement of claims is good.And the present approach of the courts to not allow postponements certainly will help achieve this.

However, it is also necessary to ensure that the amount of damages awarded is reasonable bearing in mind the injury and the effect of the injury to the accident victim(the injury may be so serious that the victim is unable to work and provide for the needs of his family).

No details have been forthcoming todate on the proposals of the Government.

My concern is that the Government may seek to follow some method used in other countries without taking into account the Malaysian situation. Methods that work in a welfare state are inappropriate for Malaysia. There, accident victims also have access to good medical and health benefits.

Further, the cost of education is taken care of. The same cannot be said for Malaysia as the public health and educational facilities have their own constraints.

Somebody has to ensure that the interests of accident victims and their families are safeguarded.

It is best that any proposal be discussed amongst all stakeholders in an open and transparent manner.

Any of us can be accident victims. So I request CASSA to seek to participate in these discussions and ensure that the interests of accident victims and their families are safeguarded.

I propose to write to the newspapers on the above. I hope that I can count on the support of CASSA.

Thank You,

Alice George

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1MALAYSIA STORE – ANSWER TO SUBSIDIES WITHDRAWAL!

‘That there needs to be protocols put in place, persons appointed to drive, monitor and audit  it but more so after all the stakeholders in the Malaysian marketplace are roped in for a series of updates, policy deliberations and discussion!’ Dr Jacob George

1MALAYSIA STORE – ANSWER TO SUBSIDIES WITHDRAWAL!

I have repeatedly said that policy matters must be left in the hands of the professionals and not politicians!

Professionals to be read as those learned practitioners of the civil service in the policy divisions!

Politicians come and go and many do not look beyond trying to stay afloat and win in the next General Elections or worst to be retained by party for that seat and portfolio!

And that is the reason I keep saying we need to address the issue of subsidies with a sense of professionalism, direction and vision!

That there needs to be protocols put in place, persons appointed to drive, monitor and audit  it but more so after all the stakeholders in the Malaysian marketplace are roped in for a series of updates, policy deliberations and discussion!

That is the mark of professionals – the art of corporate and political governance!

So where are we really on the question of subsidies?

There was a lot of political hype that it was going to be done away with then we had rumors of about turn now we hear of roller coaster rides and leading to where and what position is anyone’s bet eventually?

We must remember that in every society there are the poor and the marginalized and these groups need assistance!

There is also that – ‘urban displaced poor and the challenged!’

At the same time we have learnt that some of those who claim to represent these groups are indeed crooks, thieves and have siphoned off the generosity of the government for private and personal greed and profit!

We know subsidized items have left for Thailand, Indonesia, Borneo even Singapore and right before the eyes and situational control of our various enforcement agencies!

But again just because we have had ‘Pagar makan Padi’ types in 1Malaysia we cannot withdraw in its entirety the rational in wanting to help the marginalized groups within!

First it is important to re-look at the various monopolies we have given out and it is time to change this!

Yes, that takes political guts and courage!

Do we still have political courage and guts today or is it of the past – meaning after the early 80’s – ‘tak ada lagi!’

We have become political Eunuchs – period, all hot air and no bite!

Bottom line monopolies do not help it encourages ‘high end corruption’ and that’s all!

Second it is important to safeguard the concept of subsidies in new form meaning having subsidies facilitated by a new protocol and with a series of inbuilt mechanisms for governance, audits, zero tolerance for abuse, seepages and corruption!

It is time to look at the Indian example of the ration card not that it has no faults but we can improve on that!

The government could have its own version and module of the ration card or identity card/Mycard (call that vehicle what you may!) with the price sensitive information inbuilt for the target group of beneficiaries of the government subsidies!

Various stakeholders and an inter-ministerial group could work on the protocols and guidelines!

I would advice the setting up of what I will call the 1MalaysiaStores nationwide with a comprehensive security system in place!

1MalaysiaStores will be stores set up by the government (if need be by selection or joint partnership with consumer groups or others) equipped with subsidized items and meant only for the poor and marginalized to patronize based on the identity/Mycard prints or for the matter electronic biometrics!

All 1MalaysiaStores nationwide will have computerized database and linked to the centre to check on the utilization, consumption patterns and identity of the patrons!

The household goods sold in these 1MalaysiaStores will be all subsidized and for use only by those having those specialized cards (the poor and marginalized) which will be provided for by the government nationwide based on means tests!

Consumer groups nationwide could also help monitor the 1MalaysianStores and provide feedbacks on further improving the system and reporting on any seepages or weakness that may be detected after a period of time in operation!

I intend to place a working paper on this with Prime Minister Najib Tun Razak on his return from Delhi after briefing my minister Ismail Sabri Yaacob, the secretary generals and the policy divisions!

It’s all about 1MalaysiaStores!

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HAITI EARTHQUAKE – LESSONS FOR MALAYSIAN POLITICIANS!

‘Lessons can be learnt from this and I hope our politicians, social and religious groups depart from present practices of selective giving!’ - Dr Jacob George 

HAITI EARTHQUAKE – LESSONS FOR MALAYSIAN POLITICIANS!

A week after the devastating 7.0 magnitude earthquake stuck Haiti and where Port au Prince lie devastated in ruins and their population injured, trapped or dead under huge concrete rubble aid is finally coming

Not a minute is wasted not one ringgit and there is no vital supplies sitting in some warehouse or politicians’ office waiting to be only given to party people or one’s own religious community as we have seen so often in Malaysia!

I should know as I was in Penang when the Tsunami struck Penang and set up the first investigative and communication setup at the then Casuarina Hotel, Batu Feringghi, using my wife’s laptop while many politicians ran away from the island and others played political mind games and worst behaved shamelessly!

A fact I communicated to the then PM when he visited Tanjong Tokong, Penang!

He was upset at that form of behavior and advised all accordingly!

I communicated also with the then CM as he arrived in New York!

But in Haiti – there is a difference, we see a kind of rapid response, there are no racist, religious heretics, politicians and warlords trying to high jack or even selective giving which should teach us a thing or two how social work is done free of political and racial discrimination!

It is really heartwarming to know that nearly a week after the devastating earthquake struck near Haiti’s capital, donations for relief efforts are still pouring in and now in excess of $200 million.

UN and Para Church organizations and bodies, charities, companies, individuals and celebrities across the U.S. have been rallying together in the aftermath of the 7.0-magnitude quake last Tuesday, and their efforts are paying off.

US President Barrack Obama has roped in two former US Presidents in the humanitarian effort despite past political differences and political divide - a far cry in comparison to our politicians in their Malaysian petty political divides!

That is not all - as - more than twenty-two companies which include General Electric, Microsoft, MSFT, and Coca-Cola have pledged $1 million or more a piece, according to the U.S. Chamber of Commerce.

For the record – 15% percent of total donations to the American Red Cross have been corporate gifts!

Even Hollywood is stepping up as well, with numerous stars at Sunday’s Golden Globe Awards sporting yellow, blue, and red ribbons to support Haiti relief, and urging viewers to donate which is brilliant!

One thing is certain no matter where there is devastation we always see the Americans there first assisting even as a nation they are struggling with a vulnerable economy where unemployment has increased despite all the economic packages!

The American people have always sacrificed and once again are leading in that struggle and May GOD REALLY BLESS AND PROTECT AMERICA!

 Our campaign against RACISM of all forms!

GST - IS IT CONSUMER FRIENDLY?

‘GST - But to be fair there must be an exit provided for those who will be hardest hit by its implementation!’ – Dr Jacob George

Q1. How would the implementation of GST impact consumers in Malaysia?

A: Based on the limited and scattered information we have on the proposed GST, since the whole issue is still in ‘cloak and dagger style secrecy’ – there is already an impression that it is going to be the ‘Mother of all taxes’ to save the country of its many woes and problems but in that drive hurt the middle class and the poor of the land!

We are made to understand that it is a flat-rate taxation system which will affect all the players in the marketplace be they the rich or the poor on a level ground!

To us it means the impact will be highest on those who are poor. By imposing the GST, which is a consumption tax, you do not have to be a rocket scientist to say that the poor will become poorer.

This is because Malaysia has a large middle class and poor population who use their income on bare necessities for survival.

Poor/low-income households spend about 80% percent of their income on food, compared to 20 percent in higher-income households. The income consumption of the rich is lower; therefore their potential for saving is greater.

Their earning power has diminished over the years and this will further challenge their stressed and overdrawn financial position.

So by this figures you can see the middle and the poorer segments of Malaysia’s population will start as underdogs even before the tax hits the ground!

CASSA is certainly upset and peeved when those behind this GST formula have yet to understand this issue and worst, argue that price controls for rice, flour, oil, milk, sugar or subsidies to justify implementation of the policy.

This is utter nonsense and does not reflect the situation on the ground!

Q2. What are your concerns with regards to the implementation of GST in Malaysia next year?

A: Most importantly has there being enough discussion among the proponents of this tax and the various stakeholders in the marketplace and most importantly, heads of states, their financial advisers, business chambers, even those under opposition control?

The lack of transparency, accountability and the initiation of discussions between these players is a fundamental mistake which is going to create various controversies and a backlash against the federal government in the next General Elections!

We are still asking as to what is the design of the GST and its implementation and operational protocols but no answers are coming!

Q3. What are the factors that the government has to take into consideration when drafting the GST to minimize the negative impact on consumers?

A: It is obvious that this is a phrase change of the tax firmament by distributing the burden of taxation equitably between manufacturing and services. But in doing so we are going to burden a burdened Malaysia middle class and the poor who are already having to face a high costs for basic goods and services!

There needs to be discussion and we need to brief, update and drive this program through by convincing the over 27 million Malaysians and among them, the hardest hit middle class and poor that this is the answer and that they are going to benefit from this, which I certain they will detest as an embarrassment to their intellect and thinking!

The decision seems to be made by the political bourgeois in Putrajaya rather than after discussing with the hardest hit in the nation’s villages, estates and urban slumps!

Q4. What are the benefits or disadvantages of GST via a vis the current sales and services tax?

A: There are concerns of its effect on small enterprises.

Secondly consumers will ask - will this replace the present income tax and other taxes in the country including the toll or will it end up like the pole tax in England in the 80’s with the Thatcher years which created a backlash and caused that administration to fall!

As for the present sales and services tax it has already been proven that it was badly administered and abused and the victims were consumers!

But I must agree that a flawless harmonization of the GST laws across the board and states will help trade and industry.

Will there be a common procedure, levy, assessment, collection and appropriation and most importantly, dispute resolution mechanism put into place?

And who will head and drive it?

But to be fair there must be an exit provided for those who will be hardest hit by its implementation.

 Our campaign against RACISM of all forms!

BANKS, BLACK HANDS, SYNDICATES AND PROCLAMATION OF SALE! (Part 2)

‘There is no doubt in my mind of the sin-biotic relationship between certain bank officials and the syndicates and their operatives!This has been going on for far too long at the expense of Malaysian consumers!’ - Dr Jacob George 

WHY HIRE PURCHASE ACT 1967 IS ABSOLUTELY VULGAR!

This is real! This is a nightmare for several decades and despite the outcries from Malaysian consumers many gave lip service that the said vulgar act will be amended but nothing came out of it!

Again we are hearing voices to that effect!

But let us look at a classic case of the operations of the Hire Purchase Act 1967!

Razak Abdullah bought a car at RM92, 0000.00! The loan was about RM70, 000, 00

For the last three year he has serviced his loan but after being retrenched his loan repayments though not seriously violated became irregular.

He received a letter from the said bank saying the following:

Take notice that the Bloodsucker Bank, who is the owner of the above hired by you under the agreement dated 24/01/07 intends to retake possession of the goods after the expiration of 21 days from the service of installment unless:

1. the arrears due on overdue installments  RM 2,856.00
2. the interest due RM30.13

All totaling RM2, 886.13 are paid on or before 18/01/10

In default you are liable to pay the sum of RM144, 803.50

For the record the borrower has already paid the sum of RM71, 990.00 to date.

The vehicle is worth less than RM60, 000.00 today!

Now what nonsense is this?

But that is the reality and there have been incidences where rude care repossesses or should we say - thugs are employed to intimidate and recover the vehicle but there are cases where they even settle for pocket money allowing the borrower to go until the next confrontation with the same!

If the car is repossessed and if it is a value buy syndicates are all arranged by bank insiders especially those in the second car dealer’s trade and commissions change hands after price sensitive information is given on the auction price!

So I am glad that Domestic Trade, Cooperatives and Consumerism Minister Ismail Sabri Yaakob (above left) saying that vehicle owners can expect better protection against unscrupulous financial institutions once the proposed amendments to the Hire Purchase Act are approved by Parliament this year.

I am glad that he has agreed with me that the existing law was seen as being too much in favor of financial institutions with minimum protection for consumers.

He was also aware of the rude car repossessors appointed by financial institutions.

He is aware that there are cases where these thugs were harassing car owners even for being a day late in paying the vehicle loan monthly installments.

Consumers were also subjected to other forms of abuse even after their vehicles had been repossessed and auctioned.

We all know this is where the real nightmare begins as the car will be sold at an unreasonable low price and burdened with other exorbitant fees levied on the borrower.

The end result is the borrower ends up owing the financial institutions despite having their car sold!

 Our campaign against RACISM of all forms!

BANKS, BLACK HANDS, SYNDICATES AND PROCLAMATION OF SALE! (Part 1)

‘For far too long we have heard whispers and rumors how syndicates have penetrated banks and in other cases where connected politicians, their lackeys and others in the group of ‘subsidy mentally Incorporated’ (SMI) are abusing the system.’ - Dr Jacob George

BANKS, BLACK HANDS, SYNDICATES AND PROCLAMATION OF SALE!

All over the world banks are under scrutiny for dirty deals and dealing!

Ask US President Barrack Obama who is cleaning up this vulgar, corrupt and arrogant sector in the US!

For far too long we have heard whispers and rumors how syndicates have penetrated banks and in other cases where connected politicians, their lackeys and others in the group of ‘subsidy mentally Incorporated’ (SMI) are abusing the system.

Innocent housing loans clients losing their homes after failing or due to delayed loans payments in amounts below a few thousand while the sharks of politicians and members of the SMI despite taking loans in the millions for ‘projects’ are not tackled the same way as innocent housing loan victims!

Where there are proclamation of sale and brokers and syndicates are given price sensitive information prior to make the bit thanks to sine biotic relationships between bank operatives and the syndicates and in other cases where non performing loans are sold enbloc to private companies who then make a killing at the auctions and the rewards shared at the expense of the owner!

I am highlighting herewith a classic letter of such a practice and invite your comments and feedback so that IF this is happening in Malaysia – we can take the necessary steps by first making a police report, following up at the commercial crime, calling for a press conference and blowing this sky high?

SAMPLE:

‘To:

Dear Sir/Madam,

Loan Account No:

As you may already know Bloodsucker Bank (the Bank) your loan with the Bank has been transferred to Bloodsucker 2 (the Company) with effect 12 October 2007. Please refer to the Court Vesting Order advertised in Newspaper ‘1′ and Newspaper ‘2′ on TT October 2007

‘Bloodsucker 2′ is a company registered to carry out on factoring business. ‘Bloodsucker 2’ is owned by a local consultancy firm and a foreign for the purpose vehicle managed by an asset management firm regulated by ‘Bloodsucker 3” and futures commission.

Your loan was transferred to ‘Bloodsucker 2’ as part of a portfolio of loans sold by the ‘Bloodsucker Bank’ under crazy “Guidelines for disposal of Non Performing Loans by Banking Institutions.

The portfolios of loans were selected for transfer due to its non performing status at 31^st October 2006. The High Court has since validated the transfer by way of Court Vesting Order.

The only change affecting your loan with effect to 12 October 2007 is that your loan is now vested with ‘Bloodsucker 2’ which means that the lender and chargee institution is now ‘Bloodsucker 2′.

All terms and conditions in your existing loan agreement with the bank will continue to apply between ‘Bloodsucker 2’ and yourself.

‘Bloodsucker 2” has appointed ‘Bloodsucker 3” as the sole authorized asset management service provider to act for and represent ‘Bloodsucker 2’ in matters pertaining to your loan.

Please note that all payments are to be made in favor of ‘Bloodsucker 2’ to the following account

‘Bloodsucker 2’ and ‘Bloodsucker 3” would be pleased to help you with any questions.

This is a computer generated notice and requires no signature.’

Copy of this letter was given to me.

Several days after this notice was given the borrower a senior law enforcement man dedicated and decent man was informed his home was to been auctioned over a back loan of RM4, 800.00

I spoke to the both ‘Bloodsucker 2’ and ‘Bloodsucker 3’ to call off the auction as this borrower would be coming over with the said monies as he was ‘protecting a VVIP on tour’ but both was extremely arrogant and refused to help.

(Next: how auction operates and the sharks and syndicates move in!)

 Our campaign against RACISM of all forms!

A (H1N1) VIRUS MUTATION STATEMENT – LIOW SHOULD SHUT UP! (Part 1)

‘Was that statement made as a result of an in-depth comprehensive investigations and research?’ - Dr Jacob George

A (H1N1) VIRUS MUTATION STATEMENT – LIOW SHOULD SHUT UP! (Part 1)

Can someone medically qualified, perhaps Malaysia’s Director General of Health Services, Dr Ismail Merican or friends at the World Health Organization (WHO) in Geneva or CDC, please enlighten me as to the statement from Malaysia’s worst health minister, Liow Tiong Lai which is highlighted in many Main Stream Media (MSM) today!

All I need is a simple and straight forward answer!

Who is Liow Tiong Lai to state that there are no signs of A (H1N1) virus mutation in Malaysia?

When I am advised that there is ‘real concern’ on this the world over!

The operative word to me is – ‘virus mutation!’

He is a just a politician, Malaysia’s health minister and a ‘worst one’ at that!

Was that statement made as a result of an in-depth comprehensive investigations and research?

Was that the result of the findings of a top notch research team that had conducted a series of medical protocols, intensive tests, investigation and research and come away with that finding?

Even then – according to protocol and in-view that it is a medical statement it should have come from the Director General of Malaysia’s Health Services!

But that statement did not come from DG Dr Ismail Merican did it?

It did not because I am certain Malaysia has not undertaken any comprehensive research in this area to cite such a preposterous statement!

That is not the only foolish statement that was made at the same press conference!

Let us look at another which appeared!

Liow is reported to have stated:

‘the ministry would receive 400,000 doses of vaccine this year, and these would be administered to front liners and those in the high-risk groups, such as obese people, pregnant ladies, and patients suffering from high-blood pressure and chronic illnesses.

“These people can come forward to government hospitals next month to receive the vaccine if they want to,” he said.’

It is true that the health ministry will receive 400,000 doses of vaccine in 2010 and according to protocol these would be administered to front liners and essential services!

But Liow seems to have extended an open invitation to include obese people, pregnant ladies, and patients suffering from high-blood pressure and chronic illnesses.

And if Malaysians 26 million decides tomorrow to flock or stampede to our government hospitals requesting that they receive the dosage there will be pandemonium and another crisis in a country known for creating ‘crisis after crisis’ due to political oversight and expediency!

I am certain many of those monitoring these issues would remember the ‘chaos’ that was created in the initial months the A (H1N1) scare took place thanks to a rumor that free ‘Tami Flu shots’ were available at Sungai Buloh and Selayang hospitals!

There was chaos and security had to be called and secured and what an unnecessary episode in a hospital setting!

Liow should know better as to what are political statements to make and what are medical statements and others related to medical policy which my learned mind says should always come from a medically trained and exposed person and in this case, the Director General himself!

As I have indicated before Prime Minister Najib must initiate a major reshuffle of the Cabinet and one of the portfolios that needs a major change is the Health Ministry!

 Our campaign against RACISM of all forms!