Question-1: Did ever Mubin hand over to me any money in the name of his contribution to MAA?
Question-2: How much times I tried to re-start the business fresh again and again? Was there any positive improvement? Was there any profit? Was my original investment back from those trials?
Question-3: Did ever Mubin inform me earlier when he used to take loan from Mr Ali, Mr Fazal, Mr Zakir on behalf of MAA except those loans of Mr Zakir (about 5 lacs, Custom 50k and advances from some agents?)
Question-4: Were Saki or Mannan ever his rival against shareholders in MAA?
Question-5: Did ever Mubin inform me about exact amount of collections and exact amount of purchase from the collections?
Question-6: How Mubin used to give loan to MAA almost each day with amounting 5k, 10k, or something like that and in the next day he used to get this loan back from MAA account regularly?
Question-7: Why he never used to tell me that he was giving loan to MAA with that amount when I was having money to pay?
Question-8: Where are those market dues that Mubin gave me a list and now it’s a fake data that Mubin gave me in total?
Question-9: How a pivotal man like Mubin plans to visit China when MAA has no interest on the visit and when 55% Machines are out of order and many liabilities are at hand to pay from production?
Question-10: Why he needed to plan for Khejurer Business, Stock Lot business, Land business, coin business, medicine business and others?
Question-11: What about now bank Installments to share? Now, the bank installments are due with 44 lacs. As part of 10% Directorship, he is suppose to pay 4.4 lacs as of now.
Question-12: From April 2012 till today, already another 35 lacs have been injected fresh from my pocket, did Mubin contribute anything as Director?
Question-13: I paid Rasel already 12 lacs out of Mubin’s regimes Raw materials, still 5.9 lacs left, will Mubin bear this amount as part of his share?
Question-14: I paid Moshiur 19 lacs taka since this February to June 2012 as part of his previous dues, did Mubin contribute any single money? Or will he contribute any amount?
Question-15: The power supply bill of 4,14 lac taka which was incurred during Mubin’s period, will Mubin contribute his share for this power supply bill as part of Director?
Question-16: Did ever Mubin teach any worker about machine maintenance? Or trouble shooting? Machines were almost out of orders due to non-maintenance for last one and half years.
Question-17: Did Mubin contribute any money when we brought the Chinese delegations? Will he contribute now?
Question-18: Someone said that I didn’t pay Mubin Salary for last 7 months, then, how he ran/support his family?
Question-19: While buying the machines from China, we loaned from the foreign Company around 19000 USD (according to Mubin) as part of Spare parts. Did Mubin contribute any money while I was paying them from my pocket? Now, I have already paid those loans. Did Mubin even try to assist me paying back the loan?
Question-20: I sold Purbachol plot, I sold Uttara plot, I took loan from river side, I took loan from Kuma real estate, I took loan from Bank, I took loan from my brother, I sold one flat to selle apa, Did not I remind Mubin about everything? What his duty should be then to recover all these loans? Did I ask ever any contributions from Mubin except his sincere performances?
Question-21: Mubin still did not give me the detailed expeditures data since from construction to last day of his departure. I allotted some money to Saki for spending money while the constructions were going on. Out of that money, Mubin took around 3.70 lacs taka and it is written in Saki’s diary. I am still didn’t get 80 lacs taka’s expenditures from Mubin. I even never suspected Mubin for any expenses. Then, why he has to do dishonesty?
Question-22: Ask Mubin, if he ever has asked money from me and I never gave him, was there any incident like this?
Question-23: After the 3rd visit of China, I gave Mubin 1000 USD for shopping and after every shopping he did, still he has with him 1000 Chinese RMB, did I ask about that money back? I thought its ok in case Mubin needs it.
Question-24: I fixed Mubin’s salary as 75,000 taka per month from the date of BEP (Break even point) with additional mobile bills, conveyance and 10% profit. Till we achieve BEP, I will only support his family affairs and his conveyance. As such, I used to pay him always 30,000 taka each month and almost more than 10,000 taka conveyance bill. Moreover, whenever he used to ask additional money, I used to give it without any query. So, question is why Mubin had to look for all other side businesses and used to fake me about his movements?
How the Business Started:
Two years back, Mubin came to my house about his position in Mr Anis’s Apcco’s factory. Mubin informed me that he is not in a good condition with Mr Anis or Mr Riad. His relationship went bad with them and they don’t rely upon Mubin anymore about anything. So he wants quit from there and he wants to start a business on Plastic items separately. He suggested me if it would be possible that I assist him setting up a small industry of this kinds of business at Savar. Then, I asked him how much it would cost to start such a business? Mubin informed me that around 40 to 50 lacs would be enough to start the business. In that time he also informed me that Likhon will contribute some money and he (Mubin) can also contribute some money along with me. So, I thought that 40-50 lacs taka is not a big deal if a new business can be started. I agreed. The initial plan was to produce “Water Bottle” or “Medicine Bottle” or any bottles in nature.
Later, I wanted to survey the market how the business is really looking like. Mubin took me in Begum Bazaar for a physical survey and I met Mr Zakir from Begum Bazar who is a veteran plastic item seller and also Mubin’s intimate close friend. Mr Zakir suggested me that as there are many companies already producing “Bottles” and similar product like “Bottles”, so it is better to divert items to food containers and other ONE-TIME disposable items. I was also convinced about Mr Zakir’s suggestions.
As usual, I never had any wrong idea about Mubin and Mubin had been always very good, smart and intelligent boy to me. Moreover as Mubin was working long time in this kind of business, so I had all the faith and feelings that Mubin understands this business, marketing, and other related administrative issues and also he will be a better hand to succeed the business. Gradually we both (especially me) started searching the internet to buy the right machines. And finally I found a company in China who sells these kinds of Machines all over the world.
After long negotiation over Internet with those Companies, I sent Mubin to China to that Company we found in the Internet and I instructed Mubin to search and select what are the machines we can buy from them. I did not accompany him in the 1st time. Initially the planning was to buy only ONE SET of machines. Because I had the plan to spare around 50 lacs taka for the machines and other peripheral supports. After his visit, Mubin gave me a break down of the profit and he also suggested that if I just procure what he needs, only then it is possible to attain the profit as per his calculations. (I will scan his tentative plan how he showed me the profits and time table as well).
Once Mubin planned machines from China, I found that the budget is huge and it’s not just 50 lacs. I found that it will cross more than 2 crores. Still I didn’t stop Mubin from planning and buying machines as I was really looking for an independent business. I started planning how to arrange money for buying the machines as the total cost of the machine would cross more than 2 crores just for machines alone. I also know that Mubin can not pay any money because he does not have money by himself. Hence, I planned to take loan from bank. I submitted the “Project Paper” to Sonali bank. As I was having other business like Garments, Real estate etc, so bank found me suitable to agree to loan me on new project. The bank had their own ways to find out the “Wealth Statements” of mine and I had no problem. My “Wealth Assets” came 5.76 crore according to bank formula (though in real my “Wealth Statement is near about 50 crores in real). But bank raised a question about Mubin’s “Wealth Statement” which did not cross 27 lac taka showing furniture, wife’s ornaments, AC and Fridge etc. The bank was not allowing Mubin to have “Directorship” with such a poor “Wealth Assets”. But after my strong recommendation for Mubin, Bank agreed to take him as “Director” and I gave Mubin with 10% shares without any contribution.
Here, I need to say you something that I took another three persons as “Shareholders” who took 5% each of the Shares from the Company and paid 6 lac taka each for each percentage. These persons were Mr Ali (a local man), Mr Nazrul (another local man) and Mr Mannan (my Nephew). And they paid cash for their shares. Mr Ali paid 30 lacs, Mr Nazrul paid 20 lacs for 3.3% shares, and Mr Mannan paid 25 lacs over the period of time. It was only Mubin who never and never paid a single money against his shares of 10%. Now question can come, why I allowed Mubin to have shares without money? It is because I thought Mubin knows the machines, its operations, machine handling, and he understands the market and its policy. Still I told Mubin that he can pay this money once the company starts making profit and from profit he should pay this money. Meanwhile, there was a condition with Mubin that he should collect 20 lac taka from market as advanced in his name and this money will be considered as his investment and he should pay this money from his profit. Rest 40 lacs (because 10% share comes 60 lacs taka) should be paid slowly and gradually. But Mubin never could collect such amount of money to contribute to MAA Factory. So his contribution was just zero in all terms.
For the purpose of the Company land, I bought the land by my money. No one paid any money. I filled up the land with earth filling. In fact, one of the Shareholders who is supposed to pay me the cash, he actually paid the earth filling money instead of paying me cash. So, his part was over almost as the earth filling costs around 23 lacs taka.
The Company was formed by joint Stock office. Thereafter, I started pouring money alone to this Company and none was giving any money for further support. I started paying Mubin and other staffs or workers from my own pocket as salary. This was not salary but just supporting families. Initially I used to pay Mubin 25,000 per month cash for supporting his family and I used to give his conveyance bill (almost near 500 to 600 taka roughly per day) separately. Later I used to pay Mubin 30,000 taka cash and all other expenses separately from my own pocket. It continued till the last day.
When the land was filled by earth, and construction part started, I and Mubin alone went to China for finalizing the machines. Mubin started planning to buy more machines and with higher production capacity machines when we were together in China. I never asked him “NO” to plan anything because I know that more is the capacity of machines, more would be profits. So, I just allowed Mubin to plan things according to his own way, so that he feels comfortable and he can never say me that for deficit machineries, he could not succeed. And it was me to support the finance by any means.
So, at the end, we bought the machines with 281000 USD (near about two crores). This was only foreign machines. Later, we had to buy lots of local machines like Generator, AC, furniture and fixtures, and others. Those local machines cost around 50 to 60 lacs taka. The whole shed construction and building material cost around another 60 to 70 lacs taka. Thereby, the project cost became very high and rose almost near 5-6 crores including lands. Once we have imported machines from China in the month of December 2009, Mubin alone set up the machines roughly. Later, I brought the Chinese delegations to install the machines finally. For these Chinese delegates I had to spend another 5-6 lac taka including their accommodations, foodings, remunerations and air tickets. They stayed in Bangladesh almost a month. I had to get the Power supply with almost 6 lac taka bribe and power connection costs me around 20 lacs including Sub-station and others. Adding working capital, the whole project crossed almost 7 crores. I took again loan from bank with 50 lacs. I thought that we will succeed the cost very soon as Mubin was always showing me the calculations how the Company will jump for profit. I was always hopeful with his planning.
How the Company was losing its money
Every time I used to give money to Mubin, every time he used to give me a new plan for profit but at the end, we always lose. By 6 months time, I almost lose all the fluid capital that I had arranged from my garments factory, from Real estate and from my other sources. Every time I used to ask Mubin, why we are losing money (even the investment is not coming in, whatever we invest, no profit, rather investment is going out to loss). I never get back the original investment. I was so worried. Mubin also could not tell me why we are losing; rather he never had any calculations and planning to recover the money. I will tell you how he was unable to recover this huge lose time to time. I didn’t know it while I was losing it but later when I went in details, I found something very wrong within Mubin himself.
Low Production
As per our break-even point including bank installment, we are supposed to produce minimum 1200 kg finished products. But without bank installment, if we calculate, we are supposed to produce 800 kg finished goods. Our machines can produce more than 1500 kg finished goods per day if we run it day and night shift. May be more we can produce if we are more careful and trained. So, it was not a very difficult part to make profit. Only thing is that we need to be more attentive for more production. I must say that every day expenses are 60,000 taka if the factory is running (because of salary, power supply, transport, maintenance cost, and bank installments etc).
To support this production, I arranged uninterrupted raw material flow all the times. But still there were no improvement and we can’t produce finished goods more than average 300- 400 kg per day. (Though some times suddenly production was even more than 800 kg or even 1000 kg but those cases are so rare and those were exceptional)
I noticed that if Mubin remains in the factory, production gets higher as he knows the machines’ trouble shootings, and operations. Other operators actually do not know how to handle the machines well or how to fix the machines problems if occurred. I noticed that machines can behave irregular at any moment of time. So, I instruct Mubin that he should stay in the factory as much as possible and ensure productions. But Mubin had the mind to go out frequently and used to remain absent from the factory with many of the alibi. I asked many times Mubin that why he is out so early from factory when he is required for production. His only answer was, “ I set the machines ok, and operators can do it”. But whenever I used to go to factory during lunch time or even evening, I found that machines are having problems and productions are seriously hampered.
Collection of Money
I instructed Mubin that all the collections of the money from the shops or agents will be deposited to our Company account and we will not spend any money from those collections. If need be, I will support to buy raw materials and all other expenses from my cash support and all collections must come in our account. This way I know how much money is coming from shops or agents and I can handle the money judiciously. Mubin could follow this policy only 1 day or 2 days. Later again Mubin started collecting money from market and started spending according to his styles. Means, from collection, he starts buying Raw materials, spends for other purposes. But hardly he keeps me informed while buying and spending money. I could not control his fast movement. There were many occasions that the money was deposited to his secret trading company (Tahmid trading Company) which I never knew about it. Till today, he didn’t tell me that it is the Company that Mubin created and trying to make a parallel business through my goods/items. Definitely it is not a good practice that Company money be deposited to some Directors’ account and without the knowledge of the MD himself. I never was able to see the money by myself and it was always Mubin who loved to collect money and used to spend money without any prior consultation with me.
When Mubin used to collect money from market, he never used to say me how much he collected, and most interesting is he also was not bothered to tell the specific amount how much he collected from market to our account officer. At times he used to inform the account branch about the amount of collection but did not give the total expenses how the collected money was spent. When account officer were pursuing the matter, he always used to make a hand written vouchers which suits his calculations. Sometimes, he used to keep cash at his pocket and used to answer the account branch that he will give the list of expenses later to MD. Sometimes he even did not produce any vouchers but used to give orally calculations to account officer. To control this phenomenon, I warned him many times not to go for collections of the money from market but one or two days he was off but again he was doing it.
Tahmid Trading Concept
When I came to know that Mubin is trying to trade my items through this Tahmid Trading, I told that we will not sell any goods/items to Tahmid Trading. I instructed it because I thought its not a good practice to have sister concern agent where my goods/items be sold separately when the owner of that trading company is the Director of MAA. It can create bad practices later. So I stopped selling my MAA items to Tahmid Trading forever. In that time also, Mubin didn’t tell me that it’s his Company. There was another reason why I stopped selling goods to Tahmid trading. Mubin fixes the rate, Mubin decides the commissions, Mubin decides to sell goods according to his stupid wishes. Even with credits to anyone.
Mubin’s Office Time Schedules
Mubin used to come to factory by 9 am or 9:30 am in the morning. Then, he used to stay till lunch time (around 1:30 or 2 pm) and then, he used to quit from factory on the alibi that he needs to go to market for collection, or raw material purchase or order collections (Even when I was present in the factory, Mubin was not bothered to inform me that he leaves the factory premises. Once I was very angry about this and asked him why he is not bothered to inform me while he leaves the premises.) Then, he used to come back to factory at 11 pm or even at 12 mid night and stay for another one hour and then used to leave factory for home for the day. When he used to go home at Mirpur, the time must be around 1 mid night or even more. Naturally, anyone can guess that Mubin was whole day busy at factory and trying very hard working at factory. But the real was that he was in the factory only for 3-4 hours or 4-5 hours in total. Rest of the time, either he was busy with his own business outside, or gossiping with other people at market or searching some other new business plan elsewhere.
Mubin’s Strategy
You may ask me now, why I allowed Mubin to go for collections money even I used to restrict him sometimes? If you know this sequence, you will be surprised how such a small boy is so cunning in nature in this age? Let me tell you the sequence then.
Money Collection Strategy:
If Mubin does not go to market for collections, I used to send the marketing officer for the collection of the money. But it was seen that those marketing officers were not able to collect money well from shops and agents. I used to scold those marketing officers for their ill capacity. But later I came to know something. What Mubin used to do is, he used to phone those shops and agents that they may not pay any money to our marketing officer, rather they (the shops) can give the payments when he (Mubin) will visit them later. It was one kind of technique that Mubin followed to prove that without Mubin, collections are not good and regular. In fact, I also noticed that when Mubin visits market, the shops and agents pay better. This proved that Mubin can collect better money from shops.
Orders Collection Strategy:
Similar things happened in case of “Orders” from shop. When our marketing officers used to try to get the “Orders” from the market, they were unable to get good numbers of “Orders” from shops. Because Mubin used to manipulate same way that shops may not put any order to marketing officer but when Mubin will visit them later, they can put the orders. So, apparently, it was evident that I had to say nothing against Mubin’s going out to market both for collections and marketing purpose. I never could smell such bad attitude of Mubin or his character. So now question is how this was revealed? One day Mubin went for a tour in Khulna. During this period, there was much information revealed. The agents or shops disclosed much information how things went wrong with the marketing officers’ collection or “Orders Collection” etc. I was surprised.
Silent Killer:
Here, one thing should be told that Mubin does not have really positive attitudes, and if I scold him for any reason, he remains quite and starts behaving opposite silently. At times, to take revenge on my scolding, Mubin makes machines out of orders and hampers productions. As we none could understand the machines trouble shooting, it was a big issue to Mubin that whatever he can do, we have to abide by. I tried to solve this problem in many ways but every time, Mubin was obstacles. I tried to get a technicians from China, it was Mubin who was against it, I tried to get local technicians, it was Mubin who refrained them joining. Mubin wanted to have absolute freedom and monopoly over his dictatorship of stupidity. I used to understand but as I already taken a big load establishing such a huge factory with huge loan, I never could take chance annoying Mubin and Mubin was really playing.
Last Meeting’s Instructions were Violated and How Mubin Was Fired
I understood that I need to change the policy. Here I need to be very very specific that I gave 5 times fresh money (1st time I poured around 35 lac taka for just Raw materials, amounting 15 tons, 2nd time with another 15 lacs and also adding clearing 9.58 lacs to previous Raw material loans return, 3rd time from Bank loan with 14 lacs and from my brother 7 lacs and also salary with another 4 lacs, 4th time with 10 lacs, and lastly in the month of March 2012 with 10 lacs. In addition, I have spent many money for other miscellaneous expenses that I can’t remember now. But I have everything written in my account branch). Every time all these money were given to Mubin to run the factory as per his plan, but every time all the investments were lose, nothing was returned from the investment and at one point the main investment was exhausted. Seeing all these, I was totally broken and dis-heartened. So, on 28th March after I came back from china, I called Mubin and others that with huge lose, I am unable to run the factory anymore and I want to close it forever. I asked Mubin’s opinion whether I should close the factory or not. He suggested that as they failed to achieve any result after 5 times trial, so, this time let I (Major akhtar) give the plan and let them obey the policy. So, I illustrated my decision how to run this factory afresh with fresh investment and under total control of myself. I said the following decisions to be followed and there was a minute sheet of the meeting comprising me, Saki and Mr Zakir (the sole agent I am going to employ him):
- We will not sell any goods to any one other than a single agent named Mr zakir (who was Mubin’s very close friend from long before, I introduce Mr Zakir’s name in the beginning) and we will only produce items as per Mr Zakir’s demand. Mr Zakir will have to sell our goods/items not less than 20 lac taka quantity in the 1st month and from 2nd month it would be 30 lacs and from 3rd month it has to be more than 40 lacs per month. We will give Mr Zakir 7% commission to sell our goods as per our rate fixed.
- No one will go to market for collecting any orders as Mr Zakir alone will take our goods. So, no “Order Collection” required.
- No one will need to go to market for any collections of money as Mr Zakir alone is responsible to pay the money against our sold goods. It’s me and Mr Zakir who will handle the money transaction.
- I will support continuously with raw material needed for production. And I will not buy in bulk but everyday I will supply with required amount of Raw material that is needed for production.
- Mubin and Saki have to stay in the factory only for production. Mubin and Saki can distribute their shifts (either day or night) according to their way. But Saki preferred to stay both day and night for the sake of better production. The target is only 660 kg per day to cover the break-even point of factory salary, power supply bill, generator bill and transport cost.
- Another point of the meeting was cleared very clearly about a person named Mr Rasel who used to supply us the raw materials. I restricted his entry to factory. I told Mubin that I don’t like that Mr Rasel should keep seating in our office whole day, eat our food, and disturbs our planning or something like that. Mr Rasel is not a part of our factory and he is an outsider.
- I gave a dateline that if they now listen what I decided, the factory will take just 2 months time to recover the system lose and would suppose to take a positive turn. And we all decided to follow these instructions very clearly and in to-to. If still we lose, I will check where we are going wrong again. So, the SOS plan was for only two months.
The decision was taken on 1st April 2012. And it was finalized. I fired two of the marketing officers (One is Mr Sharif who is your relative too). I told Mubin and Saki that whatever lose I so far incurred, I accept the lose and I want to start afresh again. Whatever I lost, let it go, but from this month of April, I don’t want to lose anymore. Start everything afresh under my policy. I started giving the raw materials everyday fresh and production was good. I didn’t want to allow any money that Mubin directly handles from the month of April 2012. I personally buy the raw materials from market, and I personally monitor the collection as there is only one agent Mr Zakir who takes the goods. So, financially, no one has any access to anything from the month of April 2012. Even one taka needs for factory, I am paying but I ensure that money is spent in right purpose. I was happy seeing that required target is getting fulfilled and I felt that factory will take a turn within next two months for sure. I was pouring fresh money to buy the Raw materials everyday and for also other expenses like generator oil, machine maintenance money, accessories expenses and pocket money for Saki and Mubin. We all were very serious as it was a last try before I finally abandon this whole project. I know if this time we fail, I lose this factory, I will lose my house as it is mortgaged under bank, I will lose factory land, I will have to pay all the liabilities. I took loan from garments around 75 lacs, I took loan from Real estate around 90 lacs, I sold my Purbachol plot, I sold my Uttara Plot to Likhon and I have loan in the Sonali bank, I sold another flat to Selle apa emergency for MAA budgets. So, the loan amount is huge. It was not a fun for me but I knew its only me who will have to bear the total cost and none if anything more wrong goes. How can I be in peace when I am losing so much money just for negligence?
Mubin was behaving well for two to three days. But as he was addicted to visit the market and addicted to collect the money, he was not in peace. After just two days what he did you know?
Selling Product to Someone Against Last Meeting’s Instruction:
Mubin without telling me, on one Friday, he sold 22500 pieces of coffee cups to someone other than Mr Zakir. This was a gross violation of our last meeting as we said that we will not sell any goods to anyone other than Mr Zakir. I told that we will not give any goods to anyone except Mr Zakir but Mubin, on Friday, when factory was closed, sold this amount of goods to someone other than Mr Zakir. Mubin didn’t inform anyone. And that to he sold this goods to someone on credit whom still we owe money from him. The shopkeeper is not giving the money but still Mubin gave goods on credit to him. I was not harsh in that time but I reminded Mubin not to do the same again in future.
Producing Goods which was not Demanded by Mr Zakir but for Others:
Next day, Mubin told saki that he has an “Order” from someone on “Water Colour Transparent Glass. Saki said, “look Mubin, Major has said not to produce any other thing other than what Mr Zakir needs. Why you are trying to go wrong and trying to produce different items? Major will not like it”. But Mubin did not bother about our last meetings instructions or saki’s warning. Mubin at mid night, started producing water colour transparent glass which Mr Zakir didn’t need or order for. So I asked Mubin why he produced that item which was not demanded by Mr Zakir. Mubin told me that there is a good market of that item. I got annoyed on him and told him to stop all these types of violations against our last meeting’s decision. I know that there are many good markets but we are trying to test a policy after the last meeting. So, why he should violate the instruction? Then, I stopped him producing that item any more.
Visiting Markets without My Permission
Mubin was not happy with such tight situation at all. Especially with tight financial control. Previously Mubin had total freedom on money collections and orders receiving by him, but with the changing policy, Mubin had no access to any transaction at all. Only duty of Mubin and Saki was to stay in the factory and ensure better productions. One day, during evening, he told me that he needs to go outside for an hour. In that time, power supply was not there and production was stopped during that evening. I told Mubin that when again he would be coming back to factory? He informed that it will not be more than 1 or 2 hours. I said, ok, you can go. After 2 hours I called Mubin about his location, he was continuously lying me with his location. At one time, he said, he was in Kadamtala, at another moment he said, he is trying to find out hydraulic problem solutions, and one time he was telling me some other locations. In fact, he went to market which I didn’t like. Later at 1145 pm, Mubin came back to factory with our pick up van from Market. I didn’t tell him anything at this moment but I understood his attitudes.
Allowing Rasel’s Move inside factory even I restricted Rasel’s Movement inside
Next day, I found Mr Rasel is in my factory early in the morning. So, I called Rasel and said him very nicely that why he always come in our factory without any reason? Rasel will get some money from us against raw material and I told him, if he needs to contact me, he can come to my garments factory and talk to me. I tried to be very polite to Rasel while making him understand that I do not like Mr Rasel to come in my factory and keep seating whole day and eat lunch free and disturb our production or planning. Rasel went back. But in the evening I saw him with Mubin again in one of the corner of the factory talking in isolation and it seemed that when I was approaching towards them, they stopped talking and got separated. I was really angry seeing Rasel back again in the factory. And it seemed to me that Mubin is trying to group with Mr Rasel with something fishy. I was shouting to Mubin and Saki why they were violating all the decisions that we agreed in the meeting? Then I called both Saki and Mubin and I wanted to know why Mubin sold those 22500 pieces of Coffee Cups to someone other than Mr Zakir when the instructions were very clear not to sell the goods to anyone but Zakir? I asked Mubin that why still he (Mubin) is trying to produce some items which Mr Zakir didn’t want or demand? Why Mubin has to go to market for collections? And so on? I asked Mubin that why Rasel still get license to enter into our factory when I clearly instructed that Rasel must not come in our factory without my permission?
Mubin Stopped Coming Intentionally to factory and Wanted to Put Factory under Danger:
After I scold Saki and Mubin both, Mubin instantly stopped coming to factory without my notice next day. And he informed my workers (especially mentioning to my gate security personnel) that Mubin will not be back anymore. He knew that without Mubin I am unable to run the factory, especially if there is a troubles in the machines. So he took a chance and he stopped coming to factory. He wanted to take revenge on me putting the whole project in to a dangerous situation. But I was also angry on his such action. And I decided what if Mubin dies (God forbids), will this factory be closed? Of course not. So, I also didn’t phone him as I was angry on his attitudes. Later after one day, Tonny came to Mitul to know what really happended in the factory? Mitul asked me in return that what actually happened with Mubin and me? I said Mitul, call mubin and his wife, I will tell what happened with us. So, I called Mubin, Mubin’s wife and Mitul to know the situation what was happening. I informed everything to Tonny and Mitul about Mubin’s behaviours and I wanted Mubin to defend him in front of them if I was wrong what I did. Tonny and Mitul understood the whole situation and they agreed that Mubin should not have done what he was doing. Mubin could not answer a single query about my allegation against him in that seating. I told Tonny and Mitul that if a worker has to resign from a position, he also has to inform the office at least one month before. But how come Mubin being the chief and only pivotal person for machines handling can quit from a factory without a notice? There is none who knows how to fix machines in case any trouble? Actually Mubin was trying to put me under pawn and under serious problem by his absences. I asked Tonny and Mitul and also Mubin, could Mubin leave the factory if he had any contributions? Would he not fight to recover his money by fighting against me and not rather leaving the factory like this? He could only leave the factory keeping it under a devastating situation because he had no contribution, and he has thought he has no liabilities to bear upon as I was always bear those liabilities. After all these discussions, Mubin kept silent and possibly understood that he did mistake and Tonny also scolded him for his all these violations. So, I again became very soft and allowed Mubin to go inside factory and work as per our last decisions of the meeting.
Mubin went to factory and started working as usual. I am again pouring money for raw materials and other accessories. It was fine.
Most Dangerous Step Mubin Took against my Clear decision:
On 14th April 2012, it was a pohela Boishakh. Factory was closed. Mubin came to my house at 3 pm. I was watching TV. When Mubin came to my house, I asked him if anything he wants to tell me. He told me that he wants to go for a night production that night though factory was closed. In fact I was happy hearing his proposal. I said, will you get the workers for night production as everyone is enjoying Pohela boishakh? Mubin told me that he would manage it. We talked around one hour how we will proceed the factory and take it into a better shape. I always told him that “look Mubin, I have two daughters and after their marriage, all of them will go to somewhere and they will never be able to take care of any of my factories. It is always you people who will be owner of whole things after we die or even we are old. Even I said to Mubin that, I want that Zarif should be the Chairman of this industry. If Zarif becomes the Chairman, at least my all daughters will know they have their brother and his son to take care of my daughters with all the wealth’s that I have. After talking all these, Mubin left my house for Baridhara.
At evening, Saki called me on phone and said, did Mubin go to your house today? I replied, yes he came to my house. Saki again said, did Mubin tell you anything? I asked, what about? Saki said that Mubin is leaving for China I was so surprised to know it from Saki’s mouth !! I asked Saki, why Mubin did not tell me about his visit to China when he came to my house this afternoon? And why Mubin has to go to china at this crucial state of our time? We have no reason to send someone to China at all? And moreover, why Saki was informing me about Mubin’s visit to China? I told Saki that as Mubin told Saki to inform me about my decision whether I will allow Mubin to go to China or not, my decision is BIG NO. I also didn’t call Mubin to know things by calling myself. I wanted to see if Mubin tells me directly or not.
Next day on 15th April 2012, I went to factory and I met Mubin. I was very happy to see the amount of night production that Mubin gave it. I appreciated Mubin about his job done at night but I intentionally didn’t ask anything about his visit to China. At 11 am, Mubin told Saki that he will leave factory now as he has a flight at mid night. Saki requested Mubin that how come Mubin leaves for China without informing me when I am still present in the factory? Mubin told Saki that he will send me one SMS once he is out from factory. Saki didn’t accept his proposal and requested him to inform me before he leaves the factory. So, Mubin came to me and said, “ Fupa, ami jai”. I said, where? He said, I have a flight at night for China. I asked him, is there any reason from MAA (Our Company) side that you have to visit China when we need you and when we have a plan for two months to pull this factory in a better shape? We have taken a SOS Plan to sustain the factory, how come you want to leave this time and when it was not for MAA Company related? I asked him, who gave you the money for ticket? You don’t have money to support even your conveyances but how can you buy a ticket for china? I asked him, how much is the ticket costs? He lied to me. He said it was 63,000 but when I called the ticket office, I know it was 83,000 taka. I was getting angry on Mubin and telling him that how come you want to go to China now when we have scheduled salary date on 18th April 2012 with 4 lacs taka and electricity bill with 3.25 lac taka on 24th April 2012? I was asking him that how come he plans to go to China when one Extruder machine out two, one thermoforming machines out of three, one vacuum machine out of only one, one crusher machine out of two are out of order and he plans to go to China? I straight way told him that whatever you think is wise, you can do but my decision is BIG NO. You can not leave for China right now when we have no reason to spare him for china. Then, I left for work in the other shed. After one hour, I wanted to know where is Mubin as I am not seeing Mubin around. Saki told me that Mubin left before one hour.
I was really surprised and sad. I called Tonny. I called her that please stop Mubin from going to China. It’s not the right time that Mubin leaves the factory when we are almost sinking down and we took an effort to get out of this serious set back. Tonny was saying me that she is upset too with Mubin but Mubin does not listen to her. Then, I called Mitul and asked her to stop Mubin from going to China. All of them failed to convince Mubin and failed to stop him going to China.
At night 1245 he was scheduled to fly. I called again to Tonny that if Mubin does not stop going to China, I will take some drastic decision which will be suicidal even for me. Stop Mubin again. By that time Mubin left for airport. I got crazy with his decision and his disobedience. I instantly SMS the Chinese Company where he will 1st report once he land in china that I sacked Mubin and any expenses incur on behalf of Mubin will not be added in my account or MAA Company.
Next day, in the morning I called Tonny and said her that tell Mubin once he calls you from China that once he come to Bangladesh, I don’t like to keep him in my factory. If I can run without Mubin for 12 days under this crucial time, I can run 12 years too. And as I used to support Mubin’s wife directly paying 30,000 taka each month aside from Mubin’s other expenses will be right away discarded since now. I told her that when I am thinking so seriously about his family support and pay money cash from my own pocket, how come Mubin is not serious about his own family? Since right from now, I will not be bothered how Mubin will run and what Mubin will do. Mubin is fired from my factory forever. My door is closed. I know how suicidal decision it is both for me and also for Mubin.
After I decided that I fired Mubin, I was personally serious to know the machines itself. So, those machine which were out of order (1 extruder, 1 thermoforming, 1 vacuum, and 1 crusher machine, almost more than 50% machines were out of orders), I personally tried to open each part one by one and tried to find out the faults. Fortunately, I found the fault of thermoforming machine. Mubin also failed to repair this thermoforming machine almost for one month but now within 4 days I fixed it and it gave me confidence. Gradually and slowly without any help from any technicians, I just repaired all the machines by 2 weeks.
Meanwhile with 50% machines, I kept production ON day and night and also trying to repair machines one by one. I gave salary on 18th amounting 3.82 lacs, electricity bill on 24th amounting 3.25 lacs and over time bill on 26th April amounting 62,000 taka. And believe me, I paid all these money from the profit alone and no personal money I had to add in it. In one month time, I got a profit of 9 lacs taka and it means it is a break even point without bank installments loan
Meanwhile, all of the market knew that Mubin is no more in the Company. You know how people know it? I didn’t circulate about it to the local market though I SMS in china about his fired. It was Mubin who gave information to Tonny that Mubin got a job seating in china amounting 50,000 taka to some company. And Mr Rasel from whom Mubin took loan 2 lac taka called Tonny for his money and Rasel knew it from Tonny that Mubin would never go to Begum Bazar anymore and she also added that she will not allow Mubin to even work for MAA. After Rasel asked me about it, I said, yes I fired Mubin and gradually whole market knew that I fired Mubin.
More Information about Mubin’s Character
I have to tell you some additional points here about Mubin’s character.
Paying USD 2000 to Mr Zakir though I never knew when Mubin took this loan from Mr Zakir:
When I and Mubin were in China for machine import, Mr Zakir also gave a task to Mubin for bringing a tooth-pick machine set with our machines. Mr Zakir gave all the money to Mubin but still there were a need for 2000 USD for whole machines of tooth-pick to buy for Mr Zakir. I had no idea how much Mubin got from Mr Zakir about the machine price. In fact Mubin never told me that he is buying a machine for Mr Zakir and he was not bothered to ask me whether I would allow Mr Zakir to put his machines along with my machines to come under same custom bill or not. But still after I knew about it, I tried to honour Mubin and Mr Zakir. Mubin told me that Mr Zakir will get some money from us (I still don’t know why Mr Zakir will get money from us but Mubin told he took loan from Mr Zakir for MAA), so I believed Mubin and I gave 2000 dollars from China office to add to buy Mr Zakir’s machines. I never even question Mr Zakir why Mubin took loan from him for MAA and what reasons? As I used to trust Mubin, I thought, may be he is not at least lying.
Misusing My Money from Mr Zakir
For Mr Zakir’s machine (10 pieces of machines), I had to hire another 20 feet container additional. And to clear these machines I have to pay customs by myself along with my MAA machines. I had to bring these machines from chiittagong to keranigonj by long trailer vehicles at my own cost. I said Mubin, that, Mr Zakir should pay us all these additional money that I spend for his tooth pick machines. Mubin always said me that Mr Zakir will pay us. After some day, again I asked Mubin, that, why Mr Zakir is not paying the money? The amount was not very big but around one lac twenty five thousand taka only. Then, Mubin replied me that Mr Zakir promised him to buy a laptop instead of paying the cash about it. I inquired to Mubin that one laptop costs only maximum 50,000 taka. Why he should pay less? Mubin smiled. One day, I asked Mr Zakir in front of Mubin why Mr Zakir is not paying the money or not the laptop? Mr Zakir instantly replied that “Akhtar bhai, I cleared all the money to Mubin and he is supposed to give you”. Mr Zakir told it in front of Mubin and Saki in my office when we were seating for a meeting. So, I didn’t ask further because I thought Mubin will be embarrassed. Then, Mubin said, he wanted to buy a laptop with the money. But money was spent and it was not spent for MAA. I understood that Mubin spent that money by himself and also could not buy the laptop. And I also understood that he just wants a laptop. I instantly buy a new laptop for him in the same day and handed over to Tonny at night. Now question is where is that money I owe to Mr Zakir and for what reason Mubin took loan from Mr Zakir for which I had to pay him 2000 USD in China? I never asked him ever.
Mubin Requested Mr Rasel to add 3 lacs taka False bill to me
In the year of 2011, when Mubin could not succeed the production, I wanted to start things afresh with a new budget. So, I asked Mubin about how much we are supposed to get from Market from shops and who gets money from us. I took a data. Accordingly, Mr Rasel who supplies us Raw material is supposed to get from us amounting 9.58 lac taka. So, I decided to clear his money though all those money I invested before that period was a lose. I cleared his money by two bank cheques. Mubin asked Rasel to give me a bill of 12.5 lac instead of 9.58 lac taka. Then, Rasel said Mubin, how come he would show the false bill to me when he (Rasel) owes me only 9.58 lac? Mubin said to rasel that Mubin will give the hand written bill and Rasel’s job is to put the bill to me only. Mubin also told rasel that if I pay the 12.5 lac taka, Mubin will be able to clear his personal loan that Mubin took from Rasel. Rasel ultimately could not add those false bill and gave me the correct amount of 9.58 lac taka bill. Later when Rasel asked money from Mubin, Mubin replied Rasel that why he didn’t add those money when secretly Mubin requested to add? Mubin wanted to add a false bill with Mr Rasel so that I pay it without question. This is corruption. I am not bothered whereas Mubin told to do it or not to Rasel but now Rasel disclosed the matter openly later to me.
Mr Ali’s 3 lac taka I paid though I Never Knew when Mubin Took loan from Mr Ali for MAA Company
One day Mr Ali (who is one of our MAA Shareholders and local man) informed me that Mubin took 3 lacs taka from him. I asked Mubin about it. Mubin suddenly informed me that he bought Raw materials but he never informed me before that Mubin bought Raw materials by taking money from Mr Ali. But still I paid the money thinking may be Mubin was right. But I know now that Mubin took this money from Mr Ali for his purpose. And my question is why Mubin did not inform me when he bought Raw materials by taking loan from Mr Ali? Was it not his responsibility to let me know if he gets loan from someone on behalf of MAA? He never did and he never let me know. All on a sudden just he informs me someone will get money from MAA and he loaned it. What a stupid attitudes and teaching. And I was a fool to clear always all the dues as Mubin took it.
Eating up Raj Mistry’s Taka that I Gave Mubin to Handover to Raj Mistry Sharif
As part of constructional wage, I gave 30,000 taka to Mubin to handover to Raj Mistry Contractor Mr Sharif. Mubin didn’t give this money to him and I was not informed also. When constructional mistry asked money again, I was surprised to know why Mubin didn’t give money to him? When I asked Mubin, Mubin said, he has the money with him and he will handover it soon. Meanwhile, Mubin threatened the Contractor saying, why he informed me that he was not handed over the money? Till today, Mubin didn’t give that 30,000 taka to that person but I paid again for 2nd
Land Business and Corruption
Let me tell you some other things. Mr Zakir being his closer friend, wanted to buy some lands near our factory area. Mubin negotiated with Mr Mannan (who works on land business). Mr Mannan is also my relative as I told you before and he is also a shareholder of my MAA Company. In fact he is my nephew. So, Mannan offered the land price 4 lac taka per bigha in the year of 2010. But Mubin told Mr Zakir that the price of the land is 5 lac taka per bigha. So, Mr Zakir paid the money 5 lac taka per bigha to Mubin and Mubin handed over Mannan 4 lac taka per bigha and land was purchased. Later on, there were some dispute of the land found and Mr Zakir wanted to get the money back and cancelled buying the lands. Thereafter, Mr Mannan also wanted to give the money back. Now, question is, how much Mr Mannan should return per bigha? Obviously 4 lac taka per bigha as it was the price what Mr Mannan settled with Mubin. But how much Mubin now should pay back to Mr Zakir? Obviously it should be 5 lac taka per bigha. When Mr Zakir heard that Mubin took commission or percentages of 1 lac taka per bigha from his beloved trusted friend Mr Zakir, naturally Mr Zakir got shocked in his life. This is Mubin. Till today Mubin did not pay Mr Zakir’s extra money for the lands. It’s a shame on Mubin that what he treated his friend and got faithlessness from Mr Zakir, his personal friend.
Mubin Took Bribe from Office Staff Bacchu
Now another incident, in our factory, Mr Bacchu (who is our store man in MAA factory) has a brother. And Mr Bacchu requested Mubin if he can assist to get a job in the Primary school as a teachers’ job. Mubin said that he has a link with the govt level to pursue the job but Bacchu needs to pay 100,000 taka as bribe. Mubin said that Mr Rasel’s uncle is Minister and it is not a big problem to have a job in the school under govt register. So Bacchu gave Mubin 100,000 taka as bribe to hand over to Rasel. Later Mubin asked again 50,000 taka additional. Bacchu gave again 50,000 taka to Mubin. So Bacchu gave total 150,000 taka for a job for his brother. But till today, Mubin or Rasel neither could give him a job nor could return his money. This whole bribery was done in collaboration with Mubin and Mr Rasel (who used to come always in our factory). Rasel later informed me that Mubin took 50,000 taka and Rasel took 10,00,00 taka. When I pressurized Rasel last month, he said that I can deduct this amount from his due (Rasel will get some money from us during Mubin’s production period, what I am still paying) and give the money to Bacchu. But Rasel also questioned me that how he then recover Mubin’s 50,000 taka ? I said, its not my responsibility. But as long as Bacchu works under me and he gave money to you (Rasel), its my responsibility to see his welfare as much as possible I can assure. My question is, Mubin became so greedy for money!!!!!!!!!!!!
Mubin Took 50,000 Taka from Mr Sadik
Mubin took 50,000 thousand taka from Mr Sadik (who is a Thai mistry for MAA Company and as well as Basabo real Estate). But Sadik lives in Mirpur. When Mubin understood that he can not get any goods out in favour of Tahmid Trading (which is his own trading Company), so, Mubin developed another concept. Mubin gave an offer to Mr Sadik to open up a shop at Mirpur with the condition that Mubin will sell goods/items through Sadik Company. Mubin will remain part of Mr Sadik also. Thereafter, Mubin asked 50,000 taka advanced from Mr Sadik with a concept that Mubin will make some dice/mould according to his choice and then, produce those diced item and sell it through Sadik’s shop. Mr Sadik came to me last month and disclosed the same. Still Mubin didn’t return those money to Mr Sadik. But Sadik came to MAA and told me that now Mr Mubin does not pick his phone at all.
Mubin did not Handover the Constructional Dues to Mr Fazal
During construction of the shed, I paid the bill for Cement, sands and bricks. And to mention here, I never pay any bill through my hands but always through Mubin and Saki. Lion part was spent always through Mubin. Whatever it is, I cleared the bills as the person who supplied us the cement, sand and bricks is from local area and a little dangerous. Mubin didn’t clear the whole bill as I paid. Mubin requested the suppler (his name is Fazal) that Mubin will clear the bill sooner and no need to inform MD (Major Akhtar). So, when Mubin was fired, Mr Fazal came to my factory to look for Mubin and he asked about Mubin’s address in Dhaka. He also asked address of Mubin’s guardians along with phone number. I told Mr Fazal that Mubin guardians don’t know about it, so wait and see, I will inform Mubin’s guardians about it later. But I asked about the amount. He said, it is about 53,000 taka.
Personal Loan from Mr Fazal
Mubin took some personal loan from Mr Fazal again. Mr Fazal is now looking for Mubin and I know one day you will also meet him because Mr Fazal will find you out to tell his problem.
Mubin Misused Tani’s Money
I must tell you some other incidents what he does with people’s money. Tani (Mitul’s friend, you know her) gave 6000 taka to do mutation for her land in our area. And Mitul handed over this 6000 taka to Mubin to handover it to Mannan for necessary mutation. You know what Mubin did? Mubin till today didn’t hand over this 6000 taka to Mannan and Mitul had to pay again 6000 taka for mutation of Tani’s land.
Being Director, Mubin used to take Commission from Factory Sells
Likhon, I am getting tired of writing all these but still thousands of points are left to write. So, I decided to talk to you in person in front of Mubin, in front of your mother, Tonny and anyone you want to keep while I would talk. Mubin never gave me a single money as share holder or as Director. He never gave me an amount where he informed me that it was his contribution or his investment. Rather, Mubin had a tacit way to get money away from my factory like taking commission. For example, he informed me that we are selling some item to some shop with 6% commission, but in fact he has an understanding with that shop with 4% commission. So, factory is paying commission 6% and Mubin used to give shops 4% commission, so this 2% commission is Mubin’s pocket. It was shocking.
Dishonesty with Spare Part Buying
Even buying machinery parts, he used to be very dishonest with price. I never thought that Mubin can be like this. I never had the idea that I have to de-trust Mubin with such way. I had never dearth of anything for Mubin. If Mubin would ask my heart alive, I was ready to give but he really played with my emotional soft love and faith. I always appreciate that it was Mubin who started this factory and each and every bricks of this factory he sew, but why I had to fire him like this? You would always blame me if you would see that the factory is making huge profit and I sacked Mubin, nuh it is not. Mubin built this factory and put me all the liabilities and then he started playing in such a way that MAA is not his headache. Mubin never thought that 10% profit is not a small one, he never feel that I declared his salary range 75,000 taka per month and mobile bill is free, conveyance is free and in the end of the year 10% profit. How come a man having all these facilities at hand in future plan to start other side business like “Khejurer Business” or “Tahmid Trading with Egg Tray Business?”. Mubin gave so much little time but people who used to live with him at home saw that he was coming home at mid night thought he was busy for MAA but it was not at all true.
I did never take any accountability how he spent my money, Still Mubin did not give me any expenses bill how he spent my almost 70-80 lacs taka during construction. I always thought, its Mubin, and Mubin can’t do something wrong. I never had any idea about how he was getting spoiled. I asked Mubin to give me all the accountability how he spent the money. If he spends more than I gave him, naturally its mubin’s money, but if Mubin can not give me now proper accountability about my money, he has to pay the amount of course. I promise to pay him full in ONE GO if he has any dues to MAA written but if Mubin can not give me correct data, this time, I am not going to excuse any one. I will be truly bad with law and court for dishonesty.
Mubin didn’t learn any manner, he thinks he is smart enough to handle things alone but he must know we are old enough to handle many critical things. He is so whimsical and so unpredictable that no one will understand unless someone works with him.
These days, Mubin is trying to take out some of my staffs, so that he thinks if he can take out some of my staffs elsewhere, MAA will be affected. Its not true I know Mubin can stab anyone from back but he does not have courage to fight frontally. If a single staffs go out and I hear that it was Mubin, I will let you know and prove that what is Mubin in real. If Mubin was a true Director in his mind set, Mubin would never enjoy harming the MAA company but he will do because Mubin was never sincere to MAA as he was not sincere to Apcco either. Choto Bhai. I believe in one thing, once an industry is born, people dies but not the Industry. People changes from time to time, Industry remains. KFC still stands worldwide but the owner died 100 years ago, Bata still stands though owners are almost now gone to sand.
Now Mubin understands that what he lost when he lost the opportunity. Mubin never was serious about the bank loans that we need to pay. I many times repeatedly request Mubin to watch out about our loans and lose but Mubin never was serious about how we can get out of this big Lose. Mubin was never bothered to make this factory into a profitable one, but he was running for some other side business leaving MAA into a lose condition. He ran after Khajurer bebsha, Coin Business, Tahmid Trading, chemical business, sometimes stock lot business, sometimes land business. But if he would be wiser enough to know the best business which would give him honour, position and money and that was ONLY MAA Business. There he never owned it and I was losing everything. Now Mubin thinks he can retain his share from MAA? He can not retain the shares ever as long as I know what Mubin is and who Mubin is. He never paid the share money 1st, nor ever he contributed any money for MAA and most important is, he lost my confidence. He not only lost MAA, he lost me as well. Someday or some way I would be a good tools for any assistance for his life. Now I ask Likhon, Likhon, you think Likhon that this rift will be ever be erased? I even waited for him to come and say me sorry for what he did to my decisions. But he is not wise enough. Now I know his condition in the market, in his friend circle and in his own common people’s zone. I know he can earn money in many ways but earning money by driving a truck, or by dalali, or by some other means is never equivalent as to someone earn by an Industry being a owner. Now he has become greedy.
Hearsays with his Salary:
Likhon, I am hearing that Mubin has told you that I did not pay him any money for his family support or salary for last 7 months. For your information, I personally used to handover 30,000 taka to Tonny directly as Mubin was not timely and correctly paying Tonny money to support the family. Sometimes Mitul used to pay these money directly. Likhon, suppose the allegation is correct that I did not pay him money, then how he used to run his family? With this allegation, few deductions can be brought as follows:
If I have not paid him salary for last 7 months, but his family was running well, so either Mubin stolen money from MAA factory, or Mubin used to earn money from other sources? Right? If the possibility of stolen money from MAA is discarded, then, only possibility is that he was earning money from other sources, right? It means he was doing some other business other than MAA !! Is it not obvious that he then used to give very less attention to MAA production but used to give attention to other side business? If he was doing other business, then when he gave time to MAA? Or If he was not doing other business, then, the possibility is that he used to stole the money from MAA. Its logic. What you think Likhon?
A Few Humble Questions to Likhon
Now, with humble approach, I want to ask you, would you tolerate this corruption if I would do it in case you ( Likhon) were the owner of MAA Company or any other Company? I want to ask you, will you give me share of your flat free that he bought? (Of course I will not ask for it but just a question). But for your information, I offered Mubin free a flat when bank was not accepting him as Director as he had no asset. I wanted to transfer a flat from Basabo to Mubin’s name free of cost and wanted to higher up Mubin’s position to Bank, so that bank does not under mine Mubin as Director. God at least saved me from another devastating mistakes that I did not register a flat free in that time to increase Mubin’s Wealth Asset for Bank. If I would do it in that time, it would never be possible to take it back from Mubin now I know. I want to ask you Likhon, will you write a “WILL” to Zarif’s name of some of your properties even a partial? I don’t know your answer but I said Mubin that MAA industry’s Chairman would be Zarif. I want to ask you Likhon that will you transfer 10% of your flat to Mubin’s name though Mubin is your brother? I want to ask you Likhon that still Mubin is Director and MAA Company is due with bank installments amounting 35.65 lacs as on this month, will you please send me 10% money for Mubin’s share so that I can pay the installment? I want to ask you Likhon, will you please send 3.65 lac taka now as part of 10% share to bank loan installment as still Mubin didn’t sign his transfer tools from shares? At least, try to honour Directorship by paying ONCE with a 10% liabilities of the bank if not other liabilities. I know Likhon, your answers. It’s easy to say something but it’s not easy to sacrifice something. Now people have become greedy. I was never a greedy, at least with someone’s assets, Now; I again want to ask you Likhon, do you recommend to sacrifice me these 10% share for Mubin? I will sacrifice with a condition. YOU HAVE TO TELL ME AFTER YOUR PROPER JUDGEMENT. If you think Mubin needs it, then he has to Beg it from me. I have the HEARTS to sacrifice things for people you know it. I even will add more percentage. And I must say ONE MORE THING, Don’t think Likhon that your brother has to transfer his share as because of Mitul. Once I married Mitul, I tried to honour her best way and I always considered that she is no more part of Chowdhury bari so long I am standing alive. That’s why I always made her safe by allotting many assets with her names, like house at Mirpur, flats at Bashabo, Lands at MAA area, and what not. Mubin will have to transfer his share because he does not deserve it. I would definitely appreciate you Likhon, if you had the guts to tell that, as Mubin didn’t pay money for getting shares, and Mubin ever did not pay any money to anywhere, Mubin did not contribute any money to MAA, so take the share out from Mubin. That would be a wise talk as a big brother and responsible person. I don’t blame you because whatever you heard things, you heard from your brother and you did not hear from me. But I would not comment such a comment to Mitul that Mubin has to transfer his shares plausively thinking Mitul is suffering from my side. That was not true. Mitul is far better life leading than anyone of her sisters. I only can give you such guarantee that Mitul under akhtar was always protected and will be protected and Akhtar never tortured Mitul for any mistakes that Chowdhury bari’s members did. If you want to know the mistakes of Chowdhury bari, I can illustrate but I never tortured Mitul for those things. I am not so mean at least. (Likhon, I am sorry that I am personally asking these questions to you, though I know you are not involved, just ignore If it hurts you). But see now? I have to write all these dirty information of a Director who was pretending to be honest but he was not. Likhon, Ask yourself 1st what you should believe. I am not teen ager and I run 4 Industries as MD, I am not just a kid, Now Mubin is thinking who will take his responsibility of his loans from bank or others and that’s why heis thinking he would be in problem in future for this loan of MAA? Did ever Mubin pay any loan back to people on behalf of MAA? Did ever Mubin felt that if MAA is destroyed, what will happen to me or MAA? Did Mubin understand the opportunity in MAA? Now, Mubin is trying to stay with 10% shares? I transferred the shares to Ummika, if I used to pay loans and liabilities for Mubin, I can always pay my daughter’s liabilities. At least by parental link Ummika has many assets than that of Mubin, I bate, If I die, at least Ummika’s father has lots of wealth and Industries where by being a daughter she is the owner and at least she can pay back all the liabilities for MAA. Now Mubin has become greedy. God does not give responsibilities to those who do not know how to take responsibility even he is Muslim, or Christian or Hindu. I even told Mubin that I want him to be one day elected as the President of BPGMEA. Ask Mubin If I was not showing him the dreams; ask him if I was not real for him. Ask Mubin if I ever told him that I have so many business to offer to my under command and Mubin would be the pioneer of tackling all those over the time. We are establishing an Auto bricks near MAA, I told Mubin, I will give you an opportunity with such big people those I know in my life but learn from me. Replace me at every place. I even told bank managers always, take care about Mubin, he is my son. Ask him if I am telling you the lies. Mr Anis fired Mubin from Apcco, there can be a mistake possibly, but I also fired Mubin. When two industrialists kick one man in isolation and fired him out, the problem is not with the two industrialists but must be with the individual like MUBIN.
A Personal Request
And another point I need to say, sometimes I drink beer or alcohol at times. This may be occasional or with foreign buyers. That’s my personal life. Remember that. That has nothing to do with anyone’s belief or trust. Mubin might colour me with such events to you or anyone but I hardly care about it. Now I know that Mubin is not a trust worthy boy. And not only trust worthy, he is equally a dangerous element for me and as well as for my future. I was never dishonest and I was never characterless. I just to remind you that to come to my state in terms of heart, still many people needs to re-birth including you sir. I am not joking. If Mubin owes money from me, why he does not get courage to face me? Why he is not seating with me with his data? You think I am lying and I will eat his money? Just ONCE ask MUBIN that if EVER he gave me any money as part of any contribution or not. Question yourself, why a person is not dare enough to face me when he says he contributed 17 lacs taka to MAA. Ask Mubin if ever he handed over any money to me on behalf of MAA shares? Even one lac taka would be enough to have peace in mind that at least he contributed One lac taka as Director. If Mubin demands money from MAA, why he never say it to me? Mubin never told me that he will owe money from MAA!! I am only hearing from here and there that Mubin contributed sometimes 12.5 lacs, sometimes 17 lacs, sometimes 45 lacs. This is ridiculous. Mubin saw bundles of crore only when he came in MAA. Mubin handled bundles of huge money only through me and MAA. My money has no impurity and I earned those money with just simple way of honesty. So Allah was kind to assist me getting relieved from a bad person. You may not believe all those (as I also never believed that Mubin can do it, but he did) but don’t over-rule anything. Mubin is your responsibility in fact. Any where Mubin is embarrassed, remember that it is not only Mubin alone would be embarrassed, he will embarrass your father, mother and as well as you.
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SECOND PART OF MUBIN NAMA
Peon Sarwar Story:
Sarwar used to work in Apcco with Mr Anis. When Mubin was expelled from Mr Anis factory, Mubin also brought Sarwar and sarwar used to carry Mubin’s bag as runner or peon. I was not bothered about Sarwar as I never recruited him in MAA. One day Mubin requested me that we can recruit Sarwar as peon and he also can assist in marketing for order collections and money collection. I never used to like this man (he is old and not educated at all). But I considered Mubin’s request and put Sarwar as what Mubin said with a salary range of 6,000 taka.
One day sarwar told me, “sir, you should check back how the money is collected and how the money is spent”. I asked in return to Sarwar, “are you talking about Mubin’s handling of money from market?”. He said, “Yes sir, you should not give everything free of un-accounted”. I didn’t pay any heed to it as I never doubted Mubin.
Later, I fired Sarwar because of his ill performance and he was not regular in the office. Sarwar used to draw the salary but hardly he used to report to office. And I used to check what whole day Mr Sarwar is doing? I found him worthless and not suitable for anything. I just fired him. In fact, sarwar was doing all kinds of extra work for Mubin’s side business. But he was drawing money from MAA without MAA’s work. Thereafter, I asked one day to sarwar over phone, what he is doing now? He straight way replied that he is working in Mubin’s instruction and Mubin is paying money to sarwar. My question is, did Mubin pay Sarwar from MAA still? Or he still running some business and he is paying from his business profit? If he is still making side business, then why Mubin is not telling me about it? Actually, Mubin was really busy with some other business and MAA was his lowest priority and MAA was his platform for all money support for Mubin’s illegal business concept.
Power supply Bill and His Egg Tray Story and Power Bill was Delayed Causing 17000 Taka Demurrage
In one month, I was facing acute problem paying electricity bill from my pocket on time. So, I requested Mubin to get some help from Market. In the same time, I also tried to arrange some fund from my Real Estate. The electricity bill was due on 24th of the month. If not paid on 24th, we have to pay delayed charge amounting 17000 taka. We (me, Mr Harun from Real estate, Saki, and others) all were so puzzled to arrange this money. Mubin told me that with everyone’s support, we can pay the bill on time. Mr Harun was running from place to place to arrange the money but there was shortage of funds everywhere. So, ultimately we could not pay the bill on 24th. I was really sad. But when I went to factory next day, I found that Mubin bought “Sheet” for making “Egg Tray” items. I asked Mubin, from where he got money to buy this sheet equivalent to 2 lacs? He replied that he arranged it. Then, I questioned him that we are now giving 17000 taka extra demurrage not paying the electricity bill on time but you bought this “Sheet” with cash? And you don’t even be bothered to inform me about this? I repeatedly told him not to produce this “Egg Tray” in my factory as its not our profitable item. Never ever he tried to obey my instructions. You know why he was doing it? Mr Riad (son of Mr Anis) and Mubin was doing this business together and Mubin was making profit out of it. My workers, my machines, my electricity bill, my Industry but Mubin is making things for him and not for MAA. Likhon, will you accept this irregular practice? But still I digested.
Pick up Van Ali Story
Our rented pick up van’s driver’s name is Ali. After I fired Mubin from factory, this driver Ali came to Saki and said, “Sir, Mubin Bhai used to give me 2000 taka extra always per month. Now Mubun Bhai is no more, who will give me this money?” Saki asked, why Mubin used to give you this extra money aside from your OVERTIME bill, regular salary, and other expenses? Driver’s Ali’s answer was simple, Mubin Bhai just used to give me this money. My question is, why Mubin used to pay this money? And of course he used to pay him from my collection’s money.
Bad Practices were Injected to My Workers
Over Time Practice: In the begging of the office routine, I circulated that office time for operators will be from 8 am to 8 pm with one hour break in the afternoon for lunch. If anyone works after 8pm, he will be given “Over Time”. So, I thought that office time is running as I said. But when I fired Mubin and when I was personally handling the salary sheet, I found that Mubin without informing me has changed the policy and he made working hour from 8 am to 6 pm with one hour lunch break. So, I found that all workers claim OVERTIME from 6 to 8 including the cook? Cook was recruited to cook food for the workers three times a day, and that cook also claims overtime after 6 pm when its her duty to cook dinner at night !! What a big power of a DIRECTOR huh?
Feeding Breakfast and Night Tiffin. We run two shifts, day shift and night shift. Naturally night shift party comes at 9 pm and works till 8 am. Its their normal schedules. We are not supposed to feed them breakfast or dinner as its their normal shift like a day. Mubin started making a practice to feed them breakfast from factory funds. Why this practice? I had tremendous problem to stop this practice after I fired Mubin. Now, no one claims about breakfast or dinner at all. Can you imagine how mubin was spoiling the environment of the workers?
Bonus to Workers. Without any reason, Mubin started giving some individuals with some extra money. And those were his absolute people of likings.
Illegal Power Connection to Munir
In our area, many houses do not have electricity lines from government. So, many people request me to give them a connection from my factory but I never allowed anyone.
But few days back, I found that someone took a connection from my factory. I called the person who gave him the power supply connection? He has a shop beside my factory and he uses one deep fridges, he uses five fans inside his house, one normal fridge, and lights. Lately, this person constructed a tin-shed building using my electricity and also he gave rents to other tenants. And he gave all the tenants with power supply connection and all this connection are from my factory. Average I calculated that this person uses almost more than 5000 bill each month. But he said, he used to pay Mubin with only 500 taka each month. I was so annoyed on him and I disconnected his line from my factory. My question is, why Mubin never told me that he allowed someone to have a connection from my factory?
Raw Material Sarwar’s Story
When I was handling all purchase from market, and I was buying it with all cash. The raw material suppliers were either rasel, or Mr Sarwar, or Mr Jashim and others. Mr Rasel will get some money from us against previous raw material purpose and also Mr sarwar will get some money from us for raw material purpose. But my request was that I will pay them back slowly with the previous loan and now I want all material on cash. In one evening, I gave 2 lac taka cash for raw material and I talked to Mubin to talk to Mr sarwar who was selling raw material to us. Mr Sarwar will get 1.67 lac taka from us previously. He also agreed to give us raw materials on cash but slowly we will pay his 1.67 lac taka later. Suddenly after getting 2 lac taka in hand, Mr Sarwar denied to give raw material for 2 lacs and he supplied us raw material for only 33,000 taka keeping his 1.67 lac taka payment. I was very angry on Mr Sarwar’s such behaviour. And I decided that I will never buy any raw materials from him any more. Later on, when Mr Sarwar saw that I am buying raw material from market on cash regularly and I am not buying it from Mr Sarwar, then, he disclosed something. Mubin called secretly Mr Sarwar on that evening and said, I am not responsible if your money is not paid. So, as you have got 2 lac, discard your money and finalize the account. At least you are cleared with dues. So, Mr Sarwar was afraid if he can not recover his money. And he discarded the amount and send only raw material of 33,000 taka to our factory. Can you imagine the attitudes of Mubin? I know Mubin will deny everything now but I now believed Mr Sarwar was right with the information. Otherwise, he was putting the raw materials in my pick up van and suddenly, he dropped down the raw materials and send only 33,000 taka’s raw material.
Generator and Laptop
My factory generator consumes almost 45 litres of diesel in one our. So, its expensive. After I gave Mubin a laptop, many days Mubin used to run the generator just to work on laptop when machines were not running. How it is possible that a Director is not thinking to save generator fuel just to operate his laptop only? It was no problem when generator was running for machine, but when machines are not running, only for laptop should someone runs a generator?
I am not finished with yet. In my next mail I will cover some points as follows:
- Some evidential proof with saki and Mubin.
- Hasan’s story.
- My Crush Sell story.
- Prime (another similar company like MAA) story.
- Mukhtar story.
- Vegitable tray story.
- Sakib, Bakar, Palash bonus story.
- Egg tray story.
- Bank Bribe story.
- Mr Zakir’s agent ship with Apcco and Mubin’s role.
- Prime factory machines and Mubin’s role.
- MAA, Prime and Mubin’s conspiracy.
- And many more.
২২।৭।২০১০ পর্যন্তঃ
ঐ তারিখ পর্যন্ত আমি মোট টাকা খরচ করার জন্য টাকা দিয়েছি = ১১৫১৪৩৪১
ঐ তারিখ পর্যন্ত মুবিন খরচ দেখিয়েছে =১১৮৫০৪৯২
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মুবিন আমার কাছ থেকে টাকা পাবে ঐ তারিখ পর্যন্ত = ৬০৩৫৮৫.০০
২৫।৭।২০১০ থেকে ১৯ মার্চ ২০১১ পর্যন্তঃ
আমি মোট টাকা খরচ করার জন্য টাকা দিয়েছি =৩৬৭২১৯৫০
ঐ তারিখ পর্যন্ত আমি হিসাব পেয়েছি =২৯১৪২৮৫০
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মুবিন আমাকে হিসাব দেয় নাই = ৭৫৭৯১০০.০০
১৯ মার্চ ২০১১ থেকে আমি লোণ নিয়েছিঃ
রিভার সাইড থেকে = ২০,০০,০০০
পূর্বাচল জমি বিক্রয় = ৭৫,০০,০০০
বাসাবো থেকে HBFC = ৬০,০০,০০০
ব্যাংক থেকে = ৫০,০০০০০
উত্তরা জমি বিক্রয় = ১৪,০০০০০
শেলি আপার কাছে ফ্ল্যাট বিক্রয় থেকে = ১১,০০০০০
হাবিব ভাইয়ের কাছ থেকে = ২০,০০০০০
অন্যান্য থেকে = ২৫,০০০০০
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মোট = ২,৭৫,০০০০০
এখান থেকে আমি শুধু RAW MATERIAL বাবদ দিয়েছি = ১,২৯,০০০০০
বাকি টাকা শোধ করেছি রাসেল, মসিউর, Construction bill বাবদ, Electric Bills বাবদ. Salary বাবদ, Maintenance বাবদ, China Loan বাবদ, Air Ticket Loan বাবদ, Rana’s loan বাবদ, Nazrul’s share money বাবদ, New Construction বাবদ, Electric Connection Bribes বাবদ, Bank Installments (one) বাবদ, Zakir Bhai Money বাবদ, Sarwars Raw Material Money বাবদ, Transport বাবদ, Godown বাবদ, আলি ভাই লোণ বাবদ, etc.
These all expenses have been recorded in my Talley in the office.
Total Project Cost from Beginning to 16th April 2012 is: = 75736291.00
From 16th April 2012 till July 2012, the expense was approx = 56,00,000.00
So total Expenses at MAA is (75736291 + 56,00,000) = 81336291.00