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Letter to Company: Claiming the Undelivered Product.

Dear (Name of Customer Service Representative):


I would like to call to your attention a service discrepancy.
On (date), I ordered a (Type of product) from your company.  I also (enclosed a check/charged my credit card account) for (amount).  It was my understanding that I would receive the  (Type of productwithin (length of time).


It is now (date), and I have not received the  (Type of product).  But my records show that you (cancelled my check/charged my account) on (date), and I have enclosed a copy of the (cancelled check/credit statement) as proof.


If the product has not yet been sent, please deliver it immediately.  If there is a problem, please contact me immediately to explain the reason for the delay. I understand that sometimes unforeseen problems occur, but I find it irresponsible not to notify customer of delays.


Thank you for your prompt attention to this matter.
Sincerely,
(Your Name and Details)

Letter to Company: Damaged/Defective Item.

Dear (Name of Customer Service Representative):


On (Date) I ordered a (Type of Product) from your company.  I received the product today, and was extremely disappointed to find that it was (Damaged/Defective).  (Describe the Damage/Defective.)


In accordance with your guarantee, I am returning the item.  I look forward to receiving a replacement (type of product) within (number) (days/weeks).
Thank you for your prompt attention.


Sincerely,
(Your Name and Details)

Letter to Company: Claiming a Repair for a Product under Warranty.

How to write a letter Claiming a Repair for a Product under Warranty?


Dear (Name of Customer Service Representative):


Enclosed please find a (Type of product), which I purchased on (Date).  I understand that your company provides a warranty for this product for (Length of time), and I am requesting that you repair it under the provisions of this warranty.


You will find that the product show no signs of mistreatment, not have I attempted to repair it myself.  If the product cannot be repaired, please replace it, or credit me with its value.
I have also enclosed a copy of the store receipt, as well as a copy of the warranty and sufficient postage to return the item after you are finished repairing it.


Thank you for your cooperation.
Sincerely,
(Your Name and Details)

Letter to Insurance Company: Policy Cancellation

Dear (Name of Insurance Company customer service representative/ Agent/ Broker):


This letter is to hereby notify you of my intent to cancel my (Health/ Life/ Auto/ Fire, etc) policy with (Name of Insurance Company), effective (date).


Since signing the policy agreement on (date), I have reevaluated my coverage, and decided that it is not sufficient for my needs.  Specifically, I have found that (the rates are too high/ other customers have expressed concerns about your ability to process settlements fairly etc.), and I believe I can find more suitable terms elsewhere.
The amount of (amount) that I paid on (date) covers (length of time), so I request that you pro-rate the unused portion of my policy and refund the amount to me to the address below.


Thank you for your prompt attention to this matter.
Sincerely,
(Your Details and address)

Letter to Insurance Company: Changing Your Beneficiary.

Dear (Name of Insurance Agent):


As of (date), I would like to change (the/some of the) (Beneficiary/Beneficiaries) on my life insurance policy.  My policy number is (Number).


Presently, (name(s) (is/are)) listed as my (Beneficiary/Beneficiaries).  I would like (him/her/them) to be replaced with (name(s) of new beneficiary/beneficiaries).  All of the other information, such as amount and disbursement instructions, should remain unchanged. 
Thank you for your assistance.


Sincerely.
(Your Name)

Letter to Politician: To Fix Pothole in your Locality.

Dear (Name of Politician),
I am writing to you about my concern for the safety of the motorists and cyclists who traverse (Name of street) in (Name of city) on a daily basis.  There are several potholes on this street that are in desperate need of repair, so much so that they have become a serious safety hazard.
I have enclosed a copy of a petition signed by (Number) residents in this area, all of whom feel just as strongly about repairing these obstacles as I do.


I understand that the city's budget is tight, but public safety should be out number one priority, and the cost of these repairs is relatively small.  The benefit to the public, however, is great.
I implore you to use your influence in city hall to see that this work be approved as quickly as possible.


Thank you for your attention to my concerns.
Sincerely,

Letter to Politician: To support an Issue.

Dear (Name of Politician),


The purpose of this letter is to voice my support of (Describe issue).  I know that it is currently under a great deal of scrutiny, and if certain politicians have their way, it could be dealt a sever - if not fatal (financial/constitutional/political) blow.


(Describe the situation, and you position/suggestion for resolving it.)


I implore you to use your voice in Congress to do anything and everything you can stave off legislation that would (cut federal/central funding) outlaw a practice etc.)  It's vital that we protect our (rights/resources, etc), and the prospect of a future without this protection is downright frightening.


Sincerely,
(Your Details)

Letter: Resignation and requesting Recommendation

Dear (Name of Supervisor):


Please consider this letter as official notice of my intention to resign my position as (Title) from (Name of Company), effective (date).
I do wish to assure you that my reasons for resigning are entirely personal, and not meant to case aspersions on the company in any way.  I have enjoyed my experience here, and I have broadened and sharpened my skills as a result.  I have also appreciated the opportunity to work with a talented group of people.
I wish all of you and (Name of company) best of luck in future.
I am currently seeking new employment at (Name of Company/Companies), and I would greatly appreciate it if you could take a few minuted to write a letter of recommendation on my behalf.
The type of work I am seeking involved (Describe qualities), so it would be particularly helpful if you tailored the letter to that specific area.


I am certain that, with your blessing, my application will be regarded favorably, and I will do my best to justify your confidence in me.
Thank you in advance for this kindness, and please do not hesitate to call me if there is ever anything I can do for you.


Sincerely,

Letter to Manager, Asking for a Raise.

Dear (Name of Supervisor):


As you know, it has been (Length of time) since my last favorable review.  Since then, I have  continues to prove my value to (Name of Company) in a variety of ways: (Describe positive Contributions).  I appreciate your noticing these contributions, and now I wish to respectfully request consideration for a salary increase.
I enjoy my job very much, and I look forward to continuing my contributions, and perhaps increasing my value to the company.  However, with the cost of living continuing to rise, I feel that it is only fair to ask to be compensated for my job performance accordingly.


Thank you for your time and consideration on this matter.
Respectfully,

Letter asking for Maternity Leave.

Dear (Name of Supervisor):


As you know, I am expecting a child soon; therfore, I am requesting a maternity leave of absence for (Length of time), which will begin on (date).  I am enclosing a copy of my doctor's report for your files.  I anticipate leaving on (date) and returning on (date).
If you have any concerns, I will be happy to meet with you to discuss them.  I also understand that it may be necessary for me to train a replacement employee to cover my responsibilities while I am away, and I am happy to do so.


Thank you for your understanding of my situation and prompt consideration of my request.


Sincerely,

Letter: Accepting a New Job.

Dear (Name of Hiring Supervisor):


Thank you for your letter of (date), offering me the position of (title). I am proud to accept your offer, and I have enclosed a signed copy of the accompanying contract, which reflects a few minor provisions.  If there are any problems with these provisions, please call me directly at (Telephone number), and I will be happy to work them out with you.
Otherwise, as I mentioned during our last interview, I will arrive in (name of the city) on (date), and I will report to you on the morning of (date).  I am looking forward to joining (Name of the company). and I anticipate great success ahead.  Thank you for your courtesy and encouragement during the hiring process - your confidence in me will be rewarded.  I'll see you on (date).


Sincerely,
(Your Name)

Letter to Bank: Requesting a Loan.

Dear (Name of Bank Manager/ Loan Officer):


Thank you for spending the time discussing my interest in obtaining a (Type of Loan) loan from your financial institution on (date).  To that end, I have enclosed a completed application.  As you may recall, I am planning to use the loan for (Buying a new car / starting a new business/ Purchasing a new home, etc.)


If it would be helpful to prove you with any additional information, please do not hesitate to call me at (Telephone/Mobile Number).


Thank you for your prompt attention to this matter.
Sincerely,
Your Details

Letter to Bank: Requesting to Increase the Credit Limit.

How to write to the bank to increase the credit limit of your account.

Dear (name of customer service representative/ Branch Manager):


I have been a (Card Holder/store credit customer) for (number) years now, and I believe my credit standing with you is in fine order.  My overall credit rating is also excellent.
My current credit limit is (amount), as it has been for (length of time).  However, in light of the above, I am requesting that you raise my limit to (amount).


Along with my good credit history, my current financial profile is also healthy, so I anticipate no problems assuming the added responsibility of a higher limit.
My primary interest in raising the limit is to improve my credit rating. 
Thank you in advance for your favorable consideration of this matter.


Sincerely.
Your other complete details for reference.

Letter to Bank: If Cheque/ Check is Not Credited to Account.

This is how one of the simplest way to write a letter to the bank representatives when your cheque when deposited/issued not reflected in your account statement.


Dear (name of customer service representative/ Branch Manager):


On (date), I sent a check in the amount of (amount) to you.  However, in my most recent statement, dated (date), my payment is not reflected.


Enclosed please find a copy of my cancelled check, which you deposited on  (date). Please credit my account (account number), in the amount of (amount).  I trust that any finance charges I have accrued as a result of your oversight will be recovered.


I look forward to seeing the correct totals on my new statement.


Sincerely.
Your Name

Letter to Bank: Closing Credit Card Account

Dear (name of customer service representative/ Branch Manager):


Please close my Credit Account, [Account no]. I have enclosed my credit cards and a check for (amount) to cover what I understand to be the outstanding balance.


I have contacted your accounting department repeatedly about (inaccuracies/ discrepancies) on my account, but my statements still do not reflect an adequate correction of the problem.  I cannot afford to continue doing business amid this confusion, as I am concerned that it could have a negative effect on my credit rating.  Therefore, I must terminate my account  immediately.  Thank you for your understanding.


Sincerely.
Your Name
16digits Credit Card No:

Account No:
Account Name:
Bank Branch:
Your Address:
Contact no:

Letter to Bank: Closing Bank Account

How to write a letter to Bank, requesting to close the bank account because of poor service experienced by you.


Dear (name of customer service representative/ Branch Manager):


Please close my (type of account) account [Account no], effective immediately.  After complaining repeatedly about inaccuracies and discrepancies on my statements and receiving little or no response, I have no choice but to take my banking elsewhere.


I understand that the current balance on my (type of account) account is (amount).  Please send a check for that amount to the address. Please send a check for that amount to the address above to zero out the account.  Thank you very much.


Sincerely,
Your Name
Account No:
Account Name:
Bank Branch:
Your Address:
Contact no:

National Current Affairs - 2010

List of Major National Current Affairs in India during the the year 2010. Click on the links to view the complete details about the story.


Other stories will be added, if you need detailed story of any of the above or other affairs took place, feel free to leave the question in the comments, will be added at priority.

Allahabad High Court Verdict on Ayodhya.

Allahabad High Court Verdict on Ayodhya.
The Bench which delivered the much-awaited verdict consisted of Justice Dharam Vir Sharma, Justice S. U. Khan and Justice Sudhir Agrawal.

Sixty years after the matter first went into litigation Lucknow Bench of the High Court of Allahabad ruled in a majority judgement on September 30, 2010 that the disputed land in Ayodhya where the Babri Masjid stood until it was demolished in 1992 shall be divided into three parts :

One-third part of the disputed land should be given to the Sunni Waqf Board.
One-third part should be given to the Nirmohi Akhara, and
One-third part should be given to the party for Ram Lalla.



Highlights of the Inauguration of 19th Commonwealth Games

Highlights of the Inauguration of 19th Commonwealth Games
Indian wrestler Shushil Kumar handed the Queen’s Baton to Britain’s Prince Charles during the opening ceremony.
The Queen’s Baton had travelled more than one lakh seventy thousand kilometres across all the nations and territories which compose the Commonwealth.
The ceremony showcased India’s  rich and pluralistic culture.
The Jawahar Lal Nehru Stadium  turned into a fortress with the deployment of over 7,500 security personnel.
The grand finale featured music composer A. R. Rehman.



Verdict on Bhopal Gas Leak Case. A recap on Bhopal Gas Tragedy

After 26 years a Verdict on Bhopal Gas Leak Case comes.

At long last a court in Bhopal on June 7, 2010 announced its verdict and convicted all the eight accused, including the former Chairman of Union Carbide, Keshub Mahindra, in the much-vexed Bhopal gas tragedy case and awarded them a maximum of two years’ imprisonment.

They were later released on bail. The verdict came 26 years after the tragedy on the night of December 2-3, 1984, which ravaged the city, killing over 15 thousand people and incapacitating even more.


Air Crash at Mangalore Airport

Air India Express Flight IX-812 from Dubai with 160 passengers and six crew members on board overshot the table-top runway at the Mangalore airport on May 22, 2010 and plunged over cliff into a wooded valley where it burst into flames. One hundred and fifty-eight persons were killed. Luckily for them eight persons survived.


N-Capable Agni-II Test-fired Successfully

About Agni:
The 20-metre long Agni-II is a two stage, solid-propelled ballistic missile.
It has a launch weight of 17 tonnes and can carry a payload of 1000 kg over a distance of 2,000 kg.
Was developed by Advanced Systems Laboratory along with other DRDO laboratories and integrated by the Bharat Dynamics Limited, Hyderabad.






Russian Prime Minister Vladimir Putin Visit to India.

Russian Prime Minister Vladimir Putin Visit to India.

·         India and Russia identify new areas for partnership.
·         Agreements sealed in defence and strategic spheres including civil nuclear sphere.
·         This is Putin’s fifth visit to India, perhaps the maximum ever by a top Kremlin leader

Giving a boost to their ties India and Russia on March 12, 2010 signed 19 pacts, including three in civil nuclear field and one for purchase of 29 MiG 29 fighters besides inking the revised agreement on Gorshkov aircraft carrier.
The two countries plan to set up a joint venture to produce GLONASS (Global Navigation Satellite System), enable equipment and sign a contract for construction of two reactors at the Kudankulam nuclear power plant.

Under the agreements  in civil nuclear field, Russia will build 12 atomic plants—six in Kundankulam and six in Haripur in West Bengal.

Women's Reservation Bill Passed in the Rajya Sabha.

This is the image of the floor of Rajya Sabha.Image via Wikipedia

Women's Reservation Bill Passed in the Rajya Sabha.

The Rajya Sabha on March 9, 2010 took a ‘historic and giant step’ by voting (191 for and 1 against) to amend the Constitution, providing one third reservation of seats in Parliament and State Assemblies for women. The Bill has to be passed by the Lok Sabha and ratified by 50 per cent of the States before it comes into effect.
Prime Minister Dr. Manmohan Singh who was present through the stormy debate said that “landmark
legislation was a living proof that the heart of India is democratically sound and in the right place.”

Key Features and Implications of Women's Reservation Bill

One-third of all seats in the Lok Sabha and the Assemblies (inlcuding Delhi) will be reserved for women. In the case of the Scheduled Castes and Scheduled Tribes, the reservation will work as a quota within quota—a third of the seats currently reserved for the two categories will be sub-reserved for SC/ST women. Reservation of seats for women will be in rotation and will cease 15 years after the  commencement of the Act. Seat allocation will be done in a manner determined by Parliament through enactment of a law.  Since a third of the seats will be reserved during each general election, each seat in
the Lok Sabha and each seat in each of the Assemblies will have one reserved term and two free terms in the course of three elections.

Right to Education Act, 2010.

April 1, 2010, Education becomes a Fundamental Right
On April 1, 2010 India joined a group of a few countries in the world, with a historic law making education a fundamental right of every child coming into force.

Making elementary education an entitlement for children in the 6–14 age group, the Right of Children to Free and Compulsory Education Act, 2009 will directly benefit close to one crore children who do not go to school at present. As per the Act, private educational institutions should reserve 25 per cent seats for children from the weaker sections of society.

The Centre and the States have agreed to share the financial burden in the ratio of 55 : 45, while the Finance Commission has given Rs. 25,000 crore to the States for implementing the Act. The Centre has approved an outlay of Rs. 15,000 crore for 2010-11.


India Carries out Successful Vertical Launch of BrahMos

Cruise missile BrahMos shown on IMDS-2007Image via Wikipedia

India Carries out Successful Vertical Launch of BrahMos

BrahMos, the supersonic cruise missile, was successfully launched vertically from Naval destroyer INS Ranvir of March 21, 2010. This is the 22nd launch of BrahMos, which has already been inducted into the Army and the Navy. It has been jointly developed by India and Russia (BrahMos formed from Brahmaputra and Moskva River).   The missile is nine metres long and weighs three tonnes. It can fly at almost three times the speed of sound
and can reach targets 290 km away. It is essentially an anti-ship missile.

It punched a hole in a decommissioned vessel 290 km away in the Bay of Bengal off the Orissa Coast. The missile climbed 200 metres vertically, then monoeuvred at supersonic speeds to cruise horizontally before smashing into the vessel INS Meen.

Education Reform Bills Passed in India.

Three Education Reform Bills Passed.
On March 19, 2010 cleared the Prohibition of Unfair Practices in Technical, Medical Educational Institutions and Universities Bill 2010, that seeks to make capitation fee a cognizable offence.

First Bill: Prohibition of Unfair Practices Bill charging of capitation fee or failure to keep promises of quality education could attract a prison term of up to three years or fine up to Rs. 50 lakh for the institute. As per the Bill, if an institution makes certain promises in its prospectus, but does not deliver or charges capitation fee from a number of students, then such practices should be considered criminal offences.

Second Bill: Setting up of Education Tribunals to adjudicate disputes in campuses. It basically passed to settle all types of disputes including any type of malpractice or harassment of students.

Third Bill: Setting up a National Accreditation Agency to give accreditation to institutions. Which will assesses and accredits institutions of higher education to ensure higher standards. The proposed National Accreditation Authority will evaluate the quality of institutes.

Anti-Hijacking Law is strengthened as Cabinet Nod for Death Penalty for Hijackers.

Anti-Hijacking Law is strengthened as Cabinet Nod for Death Penalty for Hijackers.

Central government on March 19, 2010 cleared proposals to make the anti-hijacking law more stringent by including death sentence as a punishment. The Union Cabinet approved a proposal of the civil
Aviation ministry to amend the Anti-hijacking Act of 1982. After UPA-II took over, a new GoM; headed by Home Minister P.Chidambaram, gave the final shape to the proposals.

Proposed Changes against Hijackers.
Aircraft can be shot down if hijack is established and that hijackers intend to use it like a missile as in 9/11 attacks.
Aircraft can be immobilized and disallowed from taking off if hijack occurs on Indian soil.
No negotiation with hijackers on demands.
IAF fighters to be scrambled if hijacked plane remains in Indian airspace.

Reference:
The Kandahar Hijack
On 24 December, 1999, Pakistan based terrorists hijacked Indian Airlines Flight IC-814 to Kandahar and secured the release of three top militants, including Maulana Masood Azhar, from Indian jails. During that time 178 passengers and 11 crew members were exchanged for four dreaded terrorists. One of the passengers was killed by the hijackers.
            On February 5, 2008, a designated court in Patiala sentenced three persons to life in jail, holding them guilty of murder and conspiracy with the IC-814 hijackers.


Personal Letter along with Marriage Invitation Card.


More often one will think how it feels when people are not invited to the marriage personally? And it wont convince the recipient in attending the marriage as they feel they are ignored.  So always those who are not invited personally should be sent a personal short message which will convince them. 

This is how a short personal letter along with the marriage invitation card should be written and sent.

Dear Mr.(Name) and Mrs.(Name),

We are very happy to inform you that the marriage of our son/daughter (Name) with (Bride/Groom Name) is scheduled to take place on (Date).  Invitation is enclosed herewith.  Due to various reason as you would understand, we are unable to come and invite you personally.  However, please kindly treat this as our personal invitation and attend the wedding well in advance and bless the couple.

Looking forward to seeing you at the wedding,

Yours Affectionately,
Name
(Both wife and Husband personal signature is preferred)

Business Letter Format, Guidelines, Salutation, Closing the letter with Explanation.

Often one get a doubt how to write a Business Letter, what guidelines to follow? How the format should be? How the letter should be started and ended? What should be the opening salutation? What all can be put in the body of the letter? 

For all questions, here is the answer.
FORMAT:

Return Address


Today's Date

Name of recipient
Recipient's Title
Name of company, organisation, or institution Street address or post office box
City, State, Zip Code.

Opening Salutation:
Body of Letter:
Conclusion

Closing Salutation,
(four returns here)
Your Signature
Your Name
CC:
Enclosure:

Here it is the detailed explanation of each step specifically.

Return Address: If you have pre-printed stationery, there is no need to include a return address at the top of your letter.  However, if you do not, you must include this information at the very top (note: use only your address - your name still foes under your signature at the bottom).  Never expect the recipient to find your address on the envelope, as it is often discarded upon opening.


Today's Date: Dating your letter, and dating it in a clear manner, is crucial.  Always completely spell out the month.  Us actual numbers for the date and year.  For example, May 17, 2009.


Recipient's Name and Address: As stated above, the person to whom you are sending the letter will always choose to read and answer a letter addressed specifically to him before one with a generic greeting, for instance, "Dear Sir" or "Gentleman".


Opening Salutation: The easiest and most proper form of salutation and simple "Dear Mr. (name)" for a woman.  For official titles, consult the "Forms of Address" glossary at the back of the book.  Remember to never use a first name only unless you already know the person well.. Follow your greeting with a colon. 


Body of the Letter: As you can see, the format page above is in "full-block" style, with all paragraphs flush left.  Allow a full space between the paragraphs.  All business letters should be types or printed from a computer.


It is important to organize your thoughts carefully.  the more coherent and structured your letter, the more impressive your statement.  Be brief and get right to the point.  Report facts accurately, without exaggeration or hyperbole.  The recipient of your letter will appreciate your consideration of her time, as well as your respect for her intelligence.  The letters in the book follow there rules.  Use them as is, but learn from them at the same time.


Conclusion: You will notice that at the end of almost every sample business letter contained in this book, a 'thank you' appears before the closing.. It can be placed at the end of the body of the letter, or in a separate paragraph by itself.  This show of gratitude is not only a sign of common decency, but also a subtle nudge towards a response that will ultimately benefit you. "Thank you for your assistance" not only expresses appreciation, it subtly rewards the recipient for the efforts she is about to make on your behalf.


Closing Salutation: Since this is a business letter, it is important that your closing reflect a respectful distance.  Never assume anything more! Therefore, informal closing such as "Fondly," "Best regards", or "Your truly" are inappropriate.


In nearly every case, a simple "Sincerely" will do just fine.  Always leave at least four line space for your signature, under which your name will appear typed.  You may also include additional information below your name. 
  
CC: It stands for "Carbon copy".  To send a copy of your letter to another person, such as your attorney, your recipient's attorney etc. you would place those names in list format after the CC: -


Enclosure: In many cases, you will need to support your position with copies of original documents.  For instance, if you are writing got a bank to dispute a charge on your statement, you will need to enclose a copy of that statement.  You would then type "Enclosure: Statement for checking account number (your account number)".