Madam, bankers follows "banking law and practice". the detailed
explaination you have given is a banking practice not law.
E.G. Many totally blind bank workmen and officers are doing passbook
printing job. for the purpose a customer have to tell them their account
number, right direction of passbook to be inserted in to the printer, and
last the open the blank page to print forward. in this case employee can not
compale customer to do the above job which has already been a duty of an
employee. It is a customer's point whether he will do it or not. If any
wrong entry will be done by the blind employee, in present banking cinario
the employee will definitely be hanged if any complaint raise by the
customer.
2. Most of the bank branches are running with shortage of staff and space,
you are lucky that you are being attended properly.
3. My point is that there should be a clearcut guideline that who will
escort a totally blind customer in the bank if he or she operate locker
indipendently. In Your case the officer is not following the framed rules
instead he is helping you on humanity. after entering details on the
register, he should take one witness if you sign, 2 wintnesses if you put
thumb impression. suppose if you raise any complaint in future the officer
will definitely be punished, whether it is true or false.
4. I quote another example. we have opened a saving account of one deaf and
domb person who is 20 years old under guardianship with his mother. the
person can not talk, listen, read and write. just opened an account for
viklang bhatta given by social welfare department. I have opened his account
under guardianship because his inability to cummunicate indipendently with
bank officials. but, only in case of mentally retired persons, above 18
years of age we can open a guardianship account if he obtain a trustyship
certificate from the district authority. There is no clearcut guideline on
the above matter.
-----Original Message-----
From: Kanchan Pamnani
Sent: Tuesday, January 29, 2019 8:46 PM
To: 'AccessIndia: a list for discussing accessibility and issues concerning
the disabled.'
Subject: Re: [AI] Locker Facility for the Blind
I operate my locker independently. It is in joint names but I go alone to
the locker facility then I ask for my locker to be opened. I give my locker
number. The bank officer writes the information in the register and then he
takes his own key.
We walk together to my locker. He inserts his key and leaves and then I
insert my key and open it and do whatever I want and then I close it. Then I
call for the officer he checks the locker and then we leave. I sign the
register and then the security guard escorts me to the entrance of the
facility and I am out on the road.
I have written this in detail so that there should not be any question of
how we will manage. Its been nearly 5 years since I have been operating this
locker. However I must say that I haven’t applied for this locker. It is
held by my family jointly.
Kanchan
-----Original Message-----
From: AccessIndia [mailto:[email protected]] On Behalf
Of bhawani shankar verma
Sent: 28 January 2019 14:17
To: AccessIndia: a list for discussing accessibility and issues concerning
the disabled.
Subject: Re: [AI] Locker Facility for the Blind
no, this issue have a practical problem. who will escort you towards locker
room? hence, a blind person is allowed locker facility jointly.
here is the extract of the circular followed in our bank.
2. Locker facility to the visually impaired persons The facility of locker
may be provided to the visually impaired person (literate as well as
illiterate) in the following two forms:
list of 1 items
i. Locker facility may be allowed jointly with a person without any visual
impairment known/ related to him/ her (the visually impaired person
intending to take locker on lease) and operation of such locker shall be
permitted jointly. All the documents relating to leasing of locker shall be
executed jointly.
list end
list of 1 items
ii. Locker facility may be allowed singly in the individual name of the
visually impaired person. However, operation of such locker shall be
permitted in the presence of one literate witness with no visual impairment
who shall be designated by the lessee at the time of execution of Deed
Memorandum. The lessee (the visually impaired person) may designate maximum
three witnesses at the time of executing the Rent Deed Memorandum. The
signature of the list end witness shall also be obtained along with the
signature/ thumb impression of the visually impaired lessee at the time of
operation of locker.
list of 1 items
iii. The visually impaired customer (lessee of locker) may change the
witness (es) subsequently. Until and unless the situation warrants, frequent
changes in the witness (es) should be discouraged.
list end
list of 1 items
iv. It should be ensured that the designated witness (es) is / are
customer(s) of the branch and whose identification and address verification
has been conducted by applying full KYC procedures.
list end
list of 1 items
v. Such lessee of locker can also appoint a person who is literate with no
visual impairment as an authorized person for operating the locker, as per
the extant guidelines. The lessee must call at the branch for appointing the
authorized person.
list end
The words “VISUALLY IMPAIRED” should be written on top of each form, i.e.
PNB 80 in RED INK. (Annexure - A)
-----Original Message-----
From: Arup Chakraborty
Sent: Monday, January 28, 2019 1:55 PM
To: [email protected]
Subject: [AI] Locker Facility for the Blind
Dear List,
Are blind persons allowed to have locker facility independently by the
banks?
Arup
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