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Highlights of Proposed Rules Regarding Credit Cards and Overdraft Services Regulation AA (Unfair Acts or Practices) The proposal would amend Regulation AA to prohibit unfair or deceptive acts or practices by banks in connection with credit card accounts and overdraft services for deposit accounts. Credit Cards * Time to Make Payments. The proposal would prohibit banks from treating a payment as late unless the consumer has been provided a reasonable amount of time to make that payment. There would be a safe harbor for banks that send periodic statements at least 21 days prior to the payment due date. * Allocation of Payments. When different annual percentage rates (APRs) apply to different balances on a credit card account (for example, purchases and cash advances), banks would have to allocate payments exceeding the minimum payment using one of three methods or a method equally beneficial to consumers. They could not allocate the entire amount to the balance with the lowest rate. A bank could, for example, split the amount equally between two balances. In addition, to enable consumers to receive the full benefit of discounted promotional rates (for example, on balance transfers), during the promotional period payments in excess of the minimum would have to be allocated first to balances on which the rate is not discounted. * Applying Rate Increases to Existing Balances. The proposal would prohibit banks from increasing the interest rate on outstanding balances unless the increase is due to: (i) the operation of an index (in other words, the rate is a variable rate); (ii) the expiration or loss of a promotional rate (provided the rate is not increased to a penalty rate); or (iii) the minimum payment not being received within 30 days of the due date. * Two-Cycle Billing. The proposal would prohibit banks from imposing finance charges based on balances on days in billing cycles preceding the most recent billing cycle, a pra

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The basic purpose of this site is to create the awareness among Pakistani people about their rights. There were no consumer law in Pakistan but now Consumer Protection Act 2005 has come into force to protects the rights of the people of Pakistan and we can make revolution in Pakistan after approaching the Consumer Courts.

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Headquartered in Albany, New York, Pairsys is the fastest growing service provider of Computer Technical Support to consumers and small businesses. Pairsys offers outstanding Support for Windows, Linux and Macintosh Operating system to consumers across the globe through its remotely-enabled services. With its highly optimized processes, Pairsys has more than 4000 consumer and small business customers across the USA, Canada, UK and Australia region. Pairsys also provides scores of single incident support sessions every day. Pairsys leverages the expertise, tech sophistication and professionalism to fix computer issues by delivering the best technical support at a pocket friendly price. At Pairsys, an exceptionally good resolution rate of 90% is among the highest in the PC Technical Support Industry. Pairsys combines the latest technology and tools with the finest Pairsys Certified technicians to deliver nothing less than the best Windows, Macintosh and Linux support. Pairsys is also doing Research & Development to provide a Remote Support and Meeting services for all users. Services will include free and premium Remote PC access, Desktop Sharing, Screen Sharing, and others. We are working hard to provide FREE and low cost premium tools using open technologies.

The Petitioner has filed a claim for recovery of damages amounting to Rs.155000/- along with refund of Line Rent amounting to Rs.1530/- against the Respondent under the Punjab Consumer Protection Act 2005.Brief facts, according to the Petition are that the Petitioner is resident of More Khunda Tehsil and District Nankana and is a Subscriber of PTCL Telephone No.056-2442674 and is paying regular monthly bills.

Management Consulting Services specialised in Consumer Goods and Durables, Retail and Auto Industries. All suppliers of these industries are also covered in our gamut of advisory services.

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These days, a high proportion of the population of developed countries are employed as information workers. That is, they don't produce physical goods, but instead spend their time creating, developing, sharing and consuming information. As a general rule, if you have a computer on your desk at work, you are an information worker. The chances are, you'll also use e-mail a lot of the time, and have access to the Web. Because desktop computers crept into our work-lives slowly, there was never a point where the corporate World stood up and said "right, everyone to the training room!" Instead, people often have had to learn the generic skills necessary to be an information worker themselves through trial and error.

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"Hub Culture founder Stan Stalnaker shares his thoughts in a Q&A with Rachel Botsman on sharing, the power of the commons, and peer-to-peer transaction. Rachel Botsman is co-authoring a book with Roo Rogers entitled What's Mine is Yours: The Rise of Collaborative Consumption (being published by Harper Collins in 2010). The book is about how people are collaborating together through organized sharing, bartering, trading, renting, swapping and collectives to get the same pleasures of ownership with reduced personal cost and burden -- and lower environmental impact. RB: We look at how look how social networks and web technologies are giving new relevance to pre-industrial behaviors such as bartering, swapping, trading, social lending etc. that require marketplace structures. Essentially how we are going back to 'human to human transactions' between producer and consumer, seller and buyer, borrower and lender, neighbor to neighbor etc. What are your thoughts on this? What are your favorite examples of this in action? SS: We see the world evolving into a complete peer-to-peer system, beyond just communications but in finance and eventually energy as well. This means that the ability for individuals to transact with each other, at the mass-micro level, will transform how we value our sense of worth and of selves. The explosion in virtual and digital communities is driving this, and layered over existing 'real-world' relationships, creates a transactional fabric that will soon dominate the economic system. In the end, I think we will see an emergence of an economic relationship and fascination with networked efficiency that comes to dominate our worldview. This fits well with the sustainability model we need to develop to dovetail resource availability with demand; and not a moment too soon."

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A new generation of global creators and artists is emerging, equipped with other points of reference and other tools. The teachers arenʼt certified schools anymore - itʼs web sites, discussion forums and a "learn by doing"-mentality. We see the children of a digital age, unspoiled or uneducated depending on who you ask. Collaboration over hierarchy, digital over analog - a change in the way we produce, distribute and consume creative works. PressPausePlay is the first film to capture this new ecosystem. We meet the creatives at the frontier of production, the technical enablers of collaboration and distribution, the artists, the pop stars, the film makers, the business men, the visionaries and the ones left behind. Itʼs a story from the smallest molecule to the largest corporation. Itʼs a snapshot of today, but at the same time predictions of a near future. Weʼre not creating a documentary in the classical sense of shaky cameras, bad lighting and unbearable sound. Although we have a small budget, we've got big aspirations. The film will in itself be a proof of the evolution story weʼre telling, shot in digital 4K and finished in the beginning of 2011. Ready for both the big (cinema) and the small (mobile) screen. We will release rough edits and interviews as well as the final film free for anyone to use, broadcast and distribute. PressPausePlay will be an observation, a testimony and a tribute.

Technological Convergence In the Digital Marketplace provides windows of opportunity.  The socialization of data with sufficient bandwidth for the mobile handheld devices enables video to enhances the users experience to a personal level like never before.  Constantly fueling an expanding, user base with disruptive technologies and solutions right to the Local environments, while Monetizing that traffic flow, is the goal.

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