As per my opinion regarding issuing cheque book, the choice should be given to customer whether he or she wants to do thum impression infrunt of bank authority while issuing each and every cheque or would like all cheques to be attested on his own risk. In such case, an simple undertaking can be taken by the bank. Rohiet ----- Original Message ----- From: "Rajesh Parakh" <[EMAIL PROTECTED]> To: <[email protected]> Sent: Wednesday, July 09, 2008 10:11 PM Subject: Re: [AI] Bank Guidelines
> Till biometric systems are introduced combination of three things can be > done at a time: cheque books with difference to be issued to VI, thumb > impressions and seals with serial numbers to be used at a time while > issuing > cheques. seals if stolen they can be replaced with another serial number. > regards, > rajesh. > ----- Original Message ----- > From: "phani srikanth" <[EMAIL PROTECTED]> > To: "Ashwani" <[EMAIL PROTECTED]>; <[email protected]> > Sent: Sunday, July 06, 2008 8:55 PM > Subject: Re: [AI] Bank Guidelines > > >> hi, as i openianed earlier security is the hole responsibility of a >> blind person. when we are asking for all fascilities it is our >> responsibility to look that they are not misused. even in the case of >> debit or credit cards if we know the CVV number which is on the back >> of all cards and date of expiry and name of the card holder which are >> printed on the card itself, we can make any number of transactions >> online over any murchant websights. except for some visa varification >> cards and cards of city bank no bank in india does not ask for any pin >> number for making transactions online. in the same way seels too. it >> is our hole responsibility to see that they are properly stored. just >> as we give instructions for card blocking, we can give seel blocking >> instructions as they will be provided by banks only with unique codes >> in case they are stolen. >> by any way bio-metric system is always good, but as all of we know it >> takes longer time to get them installed across all parts of our >> country may be years for banking system to implement it across each >> and every corner. >> >> >> my intentions are not to criticise any one here, but i am sharing my >> openian. >> srikanth >> >> On 7/7/08, Ashwani <[EMAIL PROTECTED]> wrote: >>> Hi friends >>> As I suggested earlier Biometric system is the best thing. We should >>> strongly place this suggestion in front of Bank as well as IBA. >>> ----- Original Message ----- >>> From: "Pamnani" <[EMAIL PROTECTED]> >>> To: <[email protected]> >>> Sent: Saturday, July 05, 2008 1:25 AM >>> Subject: Re: [AI] Bank Guidelines >>> >>> >>>> The problem at present is not of whether a phone call is too much for >>>> us >>>> or >>>> not but of our security. >>>> As Harish suggested I am not putting the phone call into the guidelines >>>> but >>>> leaving it as it is. >>>> The only question is should we suggest that our cheques should be >>>> attested >>>> or not. If not we can leave it until the IBA suggests it and then >>>> discuss >>>> it. If the IBA does not suggest anything then we can insist that the >>>> Banks >>>> must expedite for Biometric verification. >>>> >>>> Kanchan Pamnani >>>> Advocate & Solicitor >>>> 9, Suleman Chambers, >>>> Battery Street, Colaba, >>>> Mumbai - 400 039. >>>> >>>> >>>> >>>> ----- Original Message ----- >>>> From: "Ketan Kothari" <[EMAIL PROTECTED]> >>>> To: <[email protected]> >>>> Sent: Saturday, July 05, 2008 11:35 AM >>>> Subject: Re: [AI] Bank Guidelines >>>> >>>> >>>>> Though this sounds practical and salutary, knowing the tendencies of >>>>> the >>>>> bank officials, they may not want to accept the new phone >>>>> verification. >>>>> Also, it may not be possible for us to answer the phone all the time >>>>> and >>>>> thus may lead to delay. >>>>> ----- Original Message ----- >>>>> From: "Harish Kotian" <[EMAIL PROTECTED]> >>>>> To: <[email protected]> >>>>> Sent: Friday, July 04, 2008 10:10 PM >>>>> Subject: Re: [AI] Bank Guidelines >>>>> >>>>> >>>>>> Hi Rajesh >>>>>> >>>>>> This will be like signing all the cheque leaves and expecting the >>>>>> blind >>>>>> person to take care of it. Would any able bodied person accept such a >>>>>> situation? This will certainly be unacceptable. Besides, it won't >>>>>> give >>>>>> any >>>>>> security to the banks as the blind customer is forced into a >>>>>> situation >>>>>> which is intrensically liable for cheating. This would be a very bad >>>>>> guidelines. >>>>>> >>>>>> A more sensible approach which will provide both security and comfort >>>>>> both >>>>>> to the customer and the blind is that the bank may seek confirmation >>>>>> by >>>>>> phone whenever they have doubt about the genuineness of the signature >>>>>> on >>>>>> the instrument. >>>>>> >>>>>> If the customer has high volume of cheque use then the banker knows >>>>>> the >>>>>> patterns of change of signature and can use the phone option when in >>>>>> need. >>>>>> If the volume is low, anyway it should not be a big financial drain. >>>>>> >>>>>> This can be a prudent practise and this should not go as guidelines. >>>>>> Now >>>>>> a >>>>>> days insisting of carrying a phone is not a big deal. >>>>>> >>>>>> I understand, Some banks are already exercising this option. >>>>>> >>>>>> So, in the guidelines, we can leave it to the banks to draw their own >>>>>> safeguards. >>>>>> >>>>>> This could be one option, there could be more and we can keep room >>>>>> for >>>>>> it. >>>>>> >>>>>> Harish. >>>>>> >>>>>> ----- Original Message ----- >>>>>> From: "Rajesh Asudani" <[EMAIL PROTECTED]> >>>>>> To: <[email protected]> >>>>>> Sent: Friday, July 04, 2008 5:57 PM >>>>>> Subject: Re: [AI] Bank Guidelines >>>>>> >>>>>> >>>>>>> Worries in attestation clause are two: >>>>>>> >>>>>>> 1. risk of theft and misuse; >>>>>>> >>>>>>> It can be easily tackled by safe custody which is the responsibility >>>>>>> of >>>>>>> customer anyway when it comes to credit card etc. and issuing stop >>>>>>> payment instruction immediately upon such an occurrence. >>>>>>> >>>>>>> It should be weighed against forgery which would be prevented >>>>>>> effectively >>>>>>> by attestation clause and ease in passing cheques by bank officials >>>>>>> without leniency etc. >>>>>>> >>>>>>> 2. Something enterim becoming permanent in India. >>>>>>> >>>>>>> Well, it is the fault of system, and biometric technology may take >>>>>>> much >>>>>>> longer to be universally installed and used than is being envisaged >>>>>>> here. >>>>>>> And, even if a beneficial measure is firmly entrenched, we may >>>>>>> gradually >>>>>>> drag it out in favor of ease of other technology which will be >>>>>>> eventually >>>>>>> realized by one and all. Many detrimental practices have gained firm >>>>>>> ground in indian system, many enterim measures like reservations for >>>>>>> Certain casts have become "basic structure" of polity, so to say! So >>>>>>> even >>>>>>> if attestation becomes firmly rooted, at least it is not going to >>>>>>> harm >>>>>>> us. I am sure biometric technology would eventually phase it out. >>>>>>> >>>>>>> To sum up, twin advantages of preventing forgery by combating >>>>>>> inconsistency of signature and relieving bankers of unnecessary >>>>>>> anxiety >>>>>>> about accounts of VI, do outway harms of possible theft and >>>>>>> permanence >>>>>>> of >>>>>>> practice which may be forestalled by stop payment instructions in >>>>>>> first >>>>>>> case and enlightened petitions in later. Forgery on one hand is >>>>>>> clearly >>>>>>> liability of bankers from which they endeavor to save their skin and >>>>>>> largely undetectable unless it has already caused damage, unlike >>>>>>> theft >>>>>>> which comes to notice of owner easily and with preventable damage. >>>>>>> >>>>>>> Rest I leave to you all, but please do not misinterpret me or assume >>>>>>> that >>>>>>> I merely write for semantic jugglery and merit only the slightest >>>>>>> consideration, if at all!!! >>>>>>> >>>>>>> I am, at present unaware of any other objections to my suggestion as >>>>>>> those having them have chosen not to enlighten me about them, if put >>>>>>> publicly on this list or mailed to me in private, I will be in a >>>>>>> position >>>>>>> to endeavor to answer them only when the stipulated time would have >>>>>>> expired, as I am leaving for weekend. >>>>>>> >>>>>>> Rajesh >>>>>>> >>>>>>> -----Original Message----- >>>>>>> From: [EMAIL PROTECTED] >>>>>>> [mailto:[EMAIL PROTECTED] On Behalf Of Pamnani >>>>>>> Sent: Friday, July 04, 2008 4:37 PM >>>>>>> To: [email protected] >>>>>>> Subject: [AI] Bank Guidelines >>>>>>> >>>>>>> Hi Friends, I have incorporated most of the suggestions. There is >>>>>>> one >>>>>>> issue on which I want some brain storming. >>>>>>> This is regarding cheques issued by the visually impaired. >>>>>>> In the general guidelines I have suggested that banks should >>>>>>> introduce >>>>>>> biometric verification or seals etc. >>>>>>> >>>>>>> Now to be honest most banks dont have a system to verify at present >>>>>>> and >>>>>>> cannot do so for atleast 6 months. >>>>>>> So what do we do in the interim for cheques which have thumb >>>>>>> impression >>>>>>> and for cheques on which signature does not tally. I had said there >>>>>>> should be some leniency during verification. >>>>>>> >>>>>>> I have received a suggestion from one member that banks should be >>>>>>> asked >>>>>>> to attest our signature or thumb impression when they give us our >>>>>>> cheque >>>>>>> book. So the empty chequeswith only our signature and the >>>>>>> attestation >>>>>>> will be lying with us. >>>>>>> The worry is that we can lose the cheque book and that someone can >>>>>>> fill >>>>>>> up details and withdraw from our account. >>>>>>> The other problem is that our cheques look different and that all >>>>>>> banks >>>>>>> would insist on it. >>>>>>> If we do think of attestation then it will be as an interim measure >>>>>>> until >>>>>>> biometric. You all know in India to get this attestation out of the >>>>>>> system it will take 5 yearts and something which is interim will >>>>>>> become >>>>>>> permant. >>>>>>> >>>>>>> So should I put in this attestation clause or leave it now and let >>>>>>> the >>>>>>> IBA suggest it if necessary and deal with it then? >>>>>>> >>>>>>> Need feedback by 9.30 am Monday morning. >>>>>>> Come on lets start the debate. >>>>>>> Kanchan >>>>>>> Kanchan Pamnani >>>>>>> Advocate & Solicitor >>>>>>> 9, Suleman Chambers, >>>>>>> Battery Street, Colaba, >>>>>>> Mumbai - 400 039. >>>>>>> >>>>>>> >>>>>>> Join Access India convention: For updates on it visit: >>>>>>> http://accessindia.org.in/harish/convention.htm >>>>>>> >>>>>>> To unsubscribe send a message to >>>>>>> [EMAIL PROTECTED] >>>>>>> with the subject unsubscribe. >>>>>>> >>>>>>> To change your subscription to digest mode or make any other >>>>>>> changes, >>>>>>> please visit the list home page at >>>>>>> >>>>>>> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in >>>>>>> >>>>>>> Notice: The information contained in this e-mail >>>>>>> message and/or attachments to it may contain >>>>>>> confidential or privileged information. If you are >>>>>>> not the intended recipient, any dissemination, use, >>>>>>> review, distribution, printing or copying of the >>>>>>> information contained in this e-mail message >>>>>>> and/or attachments to it are strictly prohibited. If >>>>>>> you have received this communication in error, >>>>>>> please notify us by reply e-mail or telephone and >>>>>>> immediately and permanently delete the message >>>>>>> and any attachments. Thank you >>>>>>> >>>>>>> Join Access India convention: For updates on it visit: >>>>>>> http://accessindia.org.in/harish/convention.htm >>>>>>> >>>>>>> To unsubscribe send a message to >>>>>>> [EMAIL PROTECTED] >>>>>>> with the subject unsubscribe. >>>>>>> >>>>>>> To change your subscription to digest mode or make any other >>>>>>> changes, >>>>>>> please visit the list home page at >>>>>>> >>>>>>> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in >>>>>>> >>>>>> >>>>>> >>>>>> Join Access India convention: For updates on it visit: >>>>>> http://accessindia.org.in/harish/convention.htm >>>>>> >>>>>> To unsubscribe send a message to >>>>>> [EMAIL PROTECTED] >>>>>> with the subject unsubscribe. >>>>>> >>>>>> To change your subscription to digest mode or make any other changes, >>>>>> please visit the list home page at >>>>>> >>>>>> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in >>>>> >>>>> >>>>> Join Access India convention: For updates on it visit: >>>>> http://accessindia.org.in/harish/convention.htm >>>>> >>>>> To unsubscribe send a message to >>>>> [EMAIL PROTECTED] >>>>> with the subject unsubscribe. >>>>> >>>>> To change your subscription to digest mode or make any other changes, >>>>> please visit the list home page at >>>>> >>>>> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in >>>>> >>>> >>>> >>>> Join Access India convention: For updates on it visit: >>>> http://accessindia.org.in/harish/convention.htm >>>> >>>> To unsubscribe send a message to [EMAIL PROTECTED] >>>> with the subject unsubscribe. >>>> >>>> To change your subscription to digest mode or make any other changes, >>>> please visit the list home page at >>>> >>>> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in >>>> >>> >>> >>> Join Access India convention: For updates on it visit: >>> http://accessindia.org.in/harish/convention.htm >>> >>> To unsubscribe send a message to [EMAIL PROTECTED] >>> with >>> the subject unsubscribe. >>> >>> To change your subscription to digest mode or make any other changes, >>> please >>> visit the list home page at >>> >>> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in >>> >> >> Join Access India convention: For updates on it visit: >> http://accessindia.org.in/harish/convention.htm >> >> To unsubscribe send a message to [EMAIL PROTECTED] >> with the subject unsubscribe. >> >> To change your subscription to digest mode or make any other changes, >> please visit the list home page at >> >> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in >> >> __________ NOD32 3114 (20080520) Information __________ >> >> This message was checked by NOD32 antivirus system. >> http://www.eset.com >> >> > > > > Join Access India convention: For updates on it visit: > http://accessindia.org.in/harish/convention.htm > Registration is now open! > > To unsubscribe send a message to [EMAIL PROTECTED] > with the subject unsubscribe. > > To change your subscription to digest mode or make any other changes, > please visit the list home page at > http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in Join Access India convention: For updates on it visit: http://accessindia.org.in/harish/convention.htm Registration is now open! 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