I think the only way to resolve this issue is like in the Airlines at the
time of ticket booking they mention that the traveller is blind and needs
assistance. Likewise at the time of account opening, the bank must note
down that the customer is blind. Then if there is a variation in
signature,
the client can be called up for verification. -----Original Message-----
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
Behalf
Of Nupur Jain (????? ???)
Sent: 15 March 2017 11:05
To: AccessIndia: a list for discussing accessibility and issues concerning
the disabled.
Subject: Re: [AI] About Cheque facility to Customers Using LTI.
I have got my account in Citi bank and they have never rejected my cheques
as they have given a remark with my name and account in their data base.
Although, the verification happens in the backend, the team working on
this
task of verification also have the appropriate data about the customer.
Yes, they always call me before clearing my cheques.
I have tried to use HDFC but failed as they rejected my cheques everytime.
Hence, closed my account with them for their bad service.
-----Original Message-----
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
Behalf
Of Kotian, H P
Sent: Wednesday, March 15, 2017 10:43 AM
To: AccessIndia: a list for discussing accessibility and issues concerning
the disabled.
Subject: Re: [AI] About Cheque facility to Customers Using LTI.
Hi Aruni
Yes, RBI has issued this instructions, however, the ground reality is
different. In the good old days, it was the branch banking era, signature
verification was done in the branches.They were aware of their blind
customers and would do the suitable accomodations. However, it is no more
branch banking and this process is done at the back end and there is total
disconnect with the officials and the customers. As a result there is
increased incidents of cheques getting returned because of signature
mismatch.
Those using thumb impression, the problem gets enhanced because, it is not
possible by most to verify it on the computer monitor.
The effective solution was to have the computer to do that task. Earlier,
TCS had done some significant work on it. I understand, they have shelved
the project as the present advances in alternative methods like ePayment
is
more effective than the paper based instruments.
I am aware, many would frown at this, butthis is the stark reality. It is
necessary to keep in pace with changing times. Internal processes do
differ
from one bank to another. In the interim, if you can find such contacts as
Sweety has suggested, you can take it up. In the long run of course, you
need to take measure to change.
Harish Kotian
-----Original Message-----
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
Behalf
Of Aruni Sharma
Sent: Wednesday, March 15, 2017 9:47 AM
To: AccessIndia: a list for discussing accessibility and issues concerning
the disabled. <accessindia@accessindia.org.in>
Subject: Re: [AI] About Cheque facility to Customers Using LTI.
Hi, Rbi has instructed banks to facilitate the use of all services
including cheque facility. But the convenient argument from the bank side
is that they do not have any LTI verification method. Though I convinced
my
bank to issue a cheque book,, they have told me that my cheques will only
be entertained if the signatures match exactly, which is not the case 99%
of times. This has effectively barred me from using cheques for banking
transactions.
Thanks and regards,
Thanks and regards,
Dr. Aruni Sharma.
Associate Professor, Dept. of Political Science, JNPG College, Lucknow,
India.
twitter: www.twitter.com/arunisharma
facebook: www.facebook.com/arunisharma
Skype: arunisha...@outlook.com
On 15 March 2017 at 08:33, Amiyo Biswas <am...@bpa.org.in> wrote:
Hello,
I was going through the RBI guidelines of 2012. It mentions third
party cheque, not clearly anything about cheque facility for customers
using LTI.
Bearer cheques are also called third party cheques. Would someone make
it clear how an LTI user will use a cheque facility? I have to explain
to a bank soon.
With best regards,
Amiyo Biswas
Cell: 9433464329
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