Excess for Stolen Car

Excess for Stolen Car


My car was stolen and my Insurer AAMI charged me Excess as the police could not find the thief. I am sure this is the case with most car thefts. But, i don’t see why I should pay the excess. After reviewing the terms of my policy, it is not clear and in my opinion and i am within my right to get this excess refunded.. I been complaining to AAMI about this and all i have got is delayed communication and managed to escalate

What a load of crap this is, i complained on the day of my claim and because of the delayed tactics by AAMI, they are delaying it even more..

Here is the response:


Refer to your concerns regarding your claim. It is my role as a Dispute Resolution Officer to review your concerns in accordance with AAMI’s Internal Dispute Resolution (IDR) process.


I acknowledge that you are asking that the excess is waived for this claim. As part of the review process, information regarding the matter has been requested from the relevant department. Once this has been received, I will consider this information, along with any information you have provided. If you wish to supply further information in support of your claim, I can be contacted on 03 86819652 or you can contact my office on 1300 240 437 (9 am – 5 pm EST Monday to Friday), or via email at idr@aami.com.au.


At this stage, I anticipate that my review will be finalised by Thursday 14 January 2016. The outcome of my review will be issued to you in writing. If you are happy for communication from the Internal Dispute Resolution Department to be sent to you by email, please confirm by return email or phone call.


I must also confirm that as the Australian Securities and Investments Commission (ASIC) 45 day timeframe has expired since you made the complaint to AAMI, you are entitled to apply to the Financial Ombudsman Service (the FOS). Please contact me if you would like to discuss this further.


FOS is available to consumers whose disputes fall within its Terms of Reference. The FOS is an independent external dispute resolution scheme approved by ASIC. AAMI is a member of this scheme and we agree to be bound by its determination about a dispute. Their contact details are:


Financial Ombudsman Service

GPO Box 3



Telephone: 1300 780 808

Facsimile: (03) 96136399

Website: www.fos.org.au

Email: info@fos.org.au



Yours sincerely



 Katie Rutherford

 Dispute Resolution Officer, Internal Dispute Resolution, Suncorp


Phone +61 (03) 86819652 Facsimile 1300316047 IPC 3PI338

PO Box 14180 Melbourne City Mail Centre  VIC 8001

The Secret to Life is Just Yes and No

Kernel Panic

I was listening to one of my favourite comedians, Bill Burr. He said something like this.

The secret to being happy is just yes and no. When someone asks you to do something and you feel like doing it, say yes. When someone asks you to do something and you don’t want to do it, say no.

Sounds easy right? The truth is, most of us don’t do it. We suck things up, and then hate ourselves or blame others for it. We blame others, our circumstances, the government, our environment, our culture, our jobs, anything. Perhaps, everything else you think when you are compelled to say yes when you really want to say no, is just noise in the head.

Let’s give it a try guys.

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Employee Awards

Employee Awards


Employee Awards to be always won by ass kissers and sooks that complain about they jobs to management. I never seem to be able to win these awards, even thou i am considered a high performer and one of the highest paid.

Foofigthers and U2 READ THIS

Dear Foofighters and U2, stop capitalising in the tragedy in France, in times of great sadness, ppl do not need jokers that entertain us, we look towards the warriors to protect us. Stop trying to get publicity by emotionally manipulation  of the giving.. Why don’t you give all your money to the needy without advertising to the world. That is a test for you to a true part of improving humanity. But i know you aren’t capable of doing this because you are just selfish clowns to entertain us and nothing else. in closing fuck off.

Dr. Gunadasa Amarasekera makes history : Sri Lankan takes UN to court

Dr. Gunadasa Amarasekera makes history : Sri Lankan takes UN to court 

A plaintiff has made history by filing a prima facie case against the United Nations Organization. Dr. Gunadasa Amarasekera has filed a case in a domestic court in Sri Lanka against the illegalities being adopted by the United Nations Organization against his country. That a bold initiative has taken place requires the UN system & the International Community to now take a step back and take a look at the plaint and apply the terminologies the UN system enjoys quoting to member nations at itself. The case now requires the General Assembly to select a set of truly independent judges and jurors from outside of the UN system to evaluate the merit of the case being filed. Until such time the current resolution against Sri Lanka must be kept on hold forthwith and it is the duty of the current Sri Lankan Government to officially request that the Resolution (whether watered down or not) be delayed until a real set of international judges not linked to the UN or those party to the resolutions against Sri Lanka are selected by the General Assembly to decide whether the UN has acted illegally against Sri Lanka.

Dr. Gunadasa Amarasekera’s arguments

  1. The recommendation for an international investigation is based solely on the recommendation made by the UN High Commissioner for Human Rights in 3 reports filed by her in February 2013, September 2013 and February 2014.
  2. The primary and principal basis for the High Commissioner’s recommendation for an International investigation in her 3 reports takes ‘evidence’ in the Report of the UN Secretary General’s Panel of Experts released in 2011. Using the UNSG’s Panel of Expert report to recommend an investigation against Sri Lanka at the Human Rights Council is ex facie illegal.
  3. The Panel of Expert Report was commissioned by the UNSG for his PERSONAL USE. The report was not commissioned by the UN Members in consultation with Sri Lanka which becomes a violation of a UN Member’s rights (Article 1(3), 2(1) and 2(7) of the UN Charter) deeming the right of Sri Lanka to participate and provide input to the decisions of the UN when it is affecting Sri Lanka’s interests.
  4. The Panel of Expert Report was never placed officially in the General Assembly, in the Human Rights Council or any other UN body. This denied Sri Lanka the right to respond officially and directly to the report. Sri Lanka was given no right of response which is a basic right under Natural Justice.
  5. Thus using the Panel of Expert Report by the UN High Commissioner for Human Rights as the basis to authorize an investigation through resolution A/HRC/25/L.1/Rev.1 is illegal. The UNHRC was created by the UNGA by resolution 60/251 in April 2006
  6. The plaintiff also highlights that at the time the investigation against Sri Lanka was authorized the Government opposed the investigation and authorizing such was an imposition on the sovereignty of Sri Lanka.
  7. The Plaintiff makes clear that Sri Lanka’s constitution holds the sovereignty of the country in the people and that sovereignty is inalienable. In other words every citizen shares the sovereignty equally and an imposition on that sovereignty becomes an imposition upon the individual citizen.
  8. If the sovereignty of a country is the basis of all rights and privileges enjoyed by citizens as per Sri Lanka’s Constitution if that sovereignty is compromised it disrupts the environment where the Constitution functions.
  9. The Plaintiff goes on to state that the sovereignty of Sri Lanka is the basis for security, peace of mind, national security of every citizen and when that sovereignty is compromised it affects all the citizens.
  10. The Plaintiff has taken into account numerous special steps the GOSL had to take as a result of the resolutions and cites the example of the appointment of a team of international advisors comprising Sir Desmond de Silva, Sir Geoffrey Nice, Mr. Rodney Dickson and Prof David M Crane to assist the Commission of Inquiry into Missing Persons as having cost the State Rs.135million for 7 months. This is only one payment the State had to incur among many others to defend the nation paid out of public funds. The Plaintiff and the public have suffered loss of funds because of illegalities adopted by the UN.
  11. The Plaintiff cites that he has suffered dishonour and disgrace, disruption of sense of security, peace of mind and national security because of the impositions on Sri Lanka caused by the investigation and proposed resolutions against Sri Lanka.
  12. The Plaintiff also cites the inconvenience and mental harassment experienced by him for the losses to public funds of the country as a tax-paying citizen.
  13. The Plaintiff reminds that on 2 September 2015 he wrote a letter of demand to the Defendant giving two weeks for a response by an admission in writing that the investigation against Sri Lanka was illegal or an apology in writing for the inconvenience, mental harassment and financial loss caused by the investigation. Copies of the letter has been annexed to the case. Replies had not been received however.
  14. The Plaint has been valued at Rs.10million for purposes of stamp duty.
  15. The Plaintiff requests The District Court of Sri Lanka to
  16. Issue an order requiring the UNO to admit in writing that the investigation against Sri Lanka is illegal
  17. Issue an order requiring the UNO to apologize in writing for the disgrace and dishonour caused by the investigation against Sri Lanka.
  18. Grant costs
  19. Grant other such relief as deemed by His Honour.

This basically summarizes what Dr. Gunadasa Amarasekera has filed against the UNO.

Now it is time for the UNO to follow its own preaching. There is little point in the UNSG’s lawyers saying that they have gone through the legalities – that’s like asking the crooks’ mother if the son is a crook!

Let’s take the UN’s own phrases and terminologies because if a plaintiff is saying that the UN and its bodies have adopted illegal resolutions and investigations against Sri Lanka, international judges, prosecutors, lawyers and investigators selected by the UN is certainly not correct to deny the case.

If the UN sees fit to point fingers, the UN cannot object to having its own system investigated by completely outside judges and jurors. It is therefore now the onus of the UN General Assembly to seriously view the prima facie case against the UN by a very honourable, respected and senior citizen of Sri Lanka and have countries that have not been part of the resolutions against Sri Lanka to select judges/jurors to investigate if the UN has acted in violation of its Charter and whether illegalities have occurred against Sri Lanka.

If the UN has not done any illegality it has no reason to oppose being investigated by judges outside of the UN system and judges who have no links to the nations who have by way of drafting or voting against Sri Lanka shown that they have been party to the illegalities against a UN Member Nation.

Of course if illegalities have taken place, it would only require a call to throw the case to the dustbin but we sincerely hope that what the UN preaches it actually practices. The onus is also on the current Sri Lankan Government to use this case to defend the nation. The lawyers now coming forward to defend the Sri Lankan War Heroes must use and cite this case.

We look forward to the case being taken on the merit of its argument and for the domestic judges to show their legal prowess which would come under international attention and highlight how independent Sri Lanka’s judiciary is in the manner it takes up the case.

The nation owes much to Dr. Gunadasa Amarasekera for the magnanimous thought it taking on the mighty UN and challenging the legality of its actions in a domestic court.

EQ Missing Traits

EQ Missing Traits

I am sure you all have heard of Emotional Intelligence (EQ) and even read the book on the same. But, that book is missing some key traits of human nature that is vital to understand in communication and working as a team in the Corporate world.

Here is a few:

  • Unconscious Bias
  • Jealousy / Envy
  • People who want to see the world burn
    • Liars
    • Self Destruction
    • Intimidators
    • Theifs
    • Self Control

How to Surf

How to Surf

Here is my sets to getting into surfing and what i would have hoped someone else would have taught be when i was learning.. I hope this helps someone getter better faster, this is based on teaching my self to surf without even being a good swimmer..

  • Don’t get advice from experienced surfers, these guys are the worse at helping you get better, they have most likely learn to surf from a very young age and have no idea as they picked so easily.. So, don’t listen to them, simple and paddle away.
  • Fitness is key to surfing, don’t let surfing fool you, it takes a vast amount of fitness to surf.. So make sure you can at least jog 5 km with out any issues, swim at least 200 m non-stop..
  • Also, the more push ups and sit ups yu can do the better. Push ups will help you with paddling and sit ups will help you with core strength.
  • Work on your rotacuffs, the shoulders are the key part to surfing strength.. so work on exercise to strength this area..
  • Don’t drink, althou fun, wont help with surfing, as it thins your blood and you feel the cold much more..
  • Learn to hold you breath, get comfortable with holding your breath, practice in the bath tube.. If you can hold you breath for awhile you will get way more confident when you get held down..
  • THE POP UP. before getting in the water. treat the Pop up as a exereices and do it over and over again while watching TV..
  • Get a Softboard. I made a huge mistake buy trying to learn on a pencil for years. As soon as i got a softboard i learned to stand up so much faster..
  • Make sure you buy a Softtech surfboard to learn on, the great thing about these boards are you can put hard fins.. Get a softech and buy the best FCS fins you can buy..
  • 3 fins, quad fin, 2 fin.. Ok, so the only time u should use quad fins, is if you are surfing waves with allot of foam..Quads fins are much faster and not stable for learning.
  • progress through learning on soft surfboards, don’t worry u will catchup more waves than any one out there, its hilarious, when i get on waves before the pro’s
  • When you start getting better and stop, these are awesome tips – http://www.surfermag.com/features/style-tips-for-the-ungifted/#b9HQE3SFEZ8TAepZ.97ttp://www.surfermag.com/features/style-tips-for-the-ungifted/#b9HQE3SFEZ8TAepZ.97

Westpac institutionalised bullying biggest shithole of a place lead my a Gail Kelly CEO a delusion sociopath.

Westpac biggest shithole of a place CEO my a delusion sociopath.

Welcome to my evidence of working at Westpac, i was thinking of a not abuse title, but could’t this really . Its been a few years since i left working for hole of a company and always wanted to make sure my experience in this crap hole was document for public. Because far too many times companies and people get away with treating people frankly inhumanly.

Over time i will keep adding to this blog.

  • I recall on a few occasion i had to complain to HR, every critical meeting the HR sluts would be 30 mins late, they do this on purpose . Hope you read this you fucking ugly skank..

Three Types of People

Three Types of People

Hi, Thanks for visiting my blog. This blog is just a space to share my thoughts around my life and experiences and things that matter to me..  The focus is to discuss things that i see as issues and based around the premise the problem leads to the adage of the three types of people in this world. (PS: I am not sure if i have read this anywhere else, or if this is original. I think it is original)

  1. People who do right.
  2. People who do wrong.
  3. People who do nothing. The worst type, people who don’t have a opinion and don’t support the people who do right. You are the reason why the world is the way it is.. Selfish low IQ aholes.