Hi, in my case with ICICI bank my cheque book has a print remarking
cheque of visually impaired person, but its of no use, recently when I
went to encash during the time of demonetation, and eventhough I
impressed my thumbprint in front of the bank officials, the manager
did not allow me to encash my cheque, instead he said me to bring my
mother who is as joint name and even when I informed that it is not a
joint account for withdrawal and the mode of ac is either or surviver,
the manager did not allow me to accept the cheque though I was present
there with my father...
What humaliations do we till need to suffer ...
What is the use of an account held or issue of cheque book issued if
it is of no use even at times of emergency...
And all these took place in the same branch where the account was
opened...
???
On 3/15/17, George Abraham <geo...@eyeway.org> wrote:
> 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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