Dear Kamal:
Let us not argue for the sake of it. I am sure you know that there is a
website that has a list of defaulters who have defaulted over one crore
and above. The shame is, banks have lent to these people more on the
basis of their social standing than their actual credit worthiness. Just
because a few of them have defaulted, do you stop lending to people?
When you refer to some blind person who knowingly defaulted the bank,
banks cannot conclude all v I's asking for our rights are either
ignoramus fools or conniving thieves who do not deserve the right to
access a service available to all. For that matter, what about the
credit card fraudsters who change names and addresses and cheat on
Banks? Do you stop giving credit cards on this basis? On the contrary I
get numerous calls from tele oprtors to take one credit card or the
other.
Subramani
-----Original Message-----
From: [email protected]
[mailto:[email protected]] On Behalf Of Kamal Verma
Sent: Wednesday, May 26, 2010 10:46 AM
To: [email protected]
Subject: Re: [AI] Difficulties in Banking
The same was to be happend in case of Rajkumar Sahu in Bank of India
regarding his overdraft account. After my interference it could resolved
with great difficulty.
Kamal Verma
----- Original Message -----
From: "BHAWANI SHANKAR VERMA" <[email protected]>
To: <[email protected]>
Sent: Tuesday, May 25, 2010 6:09 PM
Subject: Re: [AI] Difficulties in Banking
yes! this is a matter, if that anybody did a fraud with that blind
person,
cheated him, then. my four or five colleagues will loose their job, if
that blind person stand before the court. who issued ATM card? the
employee who entered his card details on issue register, the employee
entered his details on CBS system. who will come to convince the court
that entire risk goes to that blind person?
----- Original Message -----
From: "AMEEN" <[email protected]>
To: <[email protected]>
Sent: Tuesday, May 25, 2010 11:00 AM
Subject: Re: [AI] Difficulties in Banking
screen reading software has nothing to do with issuing ATM cards to
VI
persons.
for, he can operate
it with the help of anybody whom he chooses.
that is non of the business of the bank.
if there is any risk involved in it, the person will bear it.
then why should raise all lame excuses and arguments?
are you willing to comply with the rules and regulations stipulated
by
RBI?
Ameen.----- Original Message -----
From: "BHAWANI SHANKAR VERMA" <[email protected]>
To: "B. R. Nautial" <[email protected]>; "access india"
<[email protected]>
Sent: Tuesday, May 25, 2010 8:18 AM
Subject: Re: [AI] Difficulties in Banking
you are absolutely right sir, i found that only blind customer's
part is
discussed here. we should also consider banker's part. secondly,
again i
am
to say that bank has full right to ask his customer, why he should
require a
check book. only for prestige or he has any use of it. if he or she
avail
check book facility, he has to maintain minimum balance in his
account to continue this facility. some times we also make our
blindness
complicated. if any one show the law and rules, then being a banker,
i
am
giving my ATM card and pin number to that blind customer, I will
also
take
him to the ATM machine, but, i will not assist him to read out the
menus
and
commands on ATM. will he independently withdraw his money? if so,
could
anybody voluntarily come to have a practical session? condition is a
person
should be bona fied blind. RBI says that 33% of
ATMs should be accessible to blind persons, and it is stated on the
same
circular, which all our friends have mentioned here. now as a branch
manager, it does not come in my power to install such ATMs. only my
head
office can do that. now in writing, i can reply that customer: "I
accept
your application for ATM card. since, as per the RBI circular our
branch
does not have ATM accessible to blind person, and also in our city
there
is
no ATM installed, which is accessible to the blind person, hence,
your
application is pending for consideration. as soon as. an accessible
ATM
will
be installed, you will be facilitated ATM card. our hon'ble blind
customer
unable to operate ATM which exist in our branch, independently,
further,
this matter has
been referred to our authorities."
thanking you,
----- Original Message -----
From: "B. R. Nautial" <[email protected]>
To: <[email protected]>
Sent: Monday, May 24, 2010 7:40 PM
Subject: Re: [AI] Difficulties in Banking
no sir, its not a question of ego here. in my opinion, both the
parties
are almost right on their places. generally, all these facilities
are
quite risky for the blind, that's why, most of the bank manager of
various
banks are not even against the blind customers but don't want to
give
all
these facilities to the them only because they know,
in case of any fraud with the blind customer, they may be
questioned
before the court and may be punished for their negligence.
In various banks, where the branch manager is flexible and
satisfied
with
your arguments or fully aware with the rules and regulations, they
are
more sympathetic with the blind. They don't create such problems
to
any
of the blind person. More or less, they are not our enemy so
the issue should be raised before the higher authorities with the
help
of various NGO's.
With Regards
B. R. Nautial
Mobile: +919915073368
----- Original Message -----
From: "Kamal Verma" <[email protected]>
To: <[email protected]>
Sent: Monday, May 24, 2010 5:26 PM
Subject: Re: [AI] Difficulties in Banking
Dear Sir,
The customer is trying to satisfy his ego. Otherwise, he should
have
produced NOC or any such endorsement from his parrents. The
problems
might have been solved. Details of this blind customer have not
been
discussed in the list. There are number of blind customers
availing
ATM,
cheque book and other facilities from PNB.
Regards.
Kamal Verma
----- Original Message -----
From: "Asudani, Rajesh" <[email protected]>
To: <[email protected]>
Sent: Monday, May 24, 2010 4:56 PM
Subject: Re: [AI] Difficulties in Banking
Who is bloody branch manager to sit in judgment over rules
framed
by regulator?
If he/she has to question them, let him represent to central bank
or
government, for the time, rules are there, he has to comply with
them.
If we give in to approach of petty functionaries thwarting rules,
there
will be no rule of law in this country.
Moreover, why does anybody require banking facilities? So, there
is
no
rational behind this question.
And, about ATM, bank is not responsible anyway for misuse or
loss.
Check book is another matter, and I have time and again pointed
out
the
lacunae in the policy pertaining to it.
So, we can not hold bankers denying it to fault.
Regards
"Perhaps our role on this planet is not to worship God-- but to
create
Him."
--Arthur C. Clarke
(Rajesh Asudani)
Assistant General Manager,
Reserve Bank of India
Nagpur
09420397185
O: 0712 2806676
Res: 0712 2591349
-----Original Message-----
From: [email protected]
[mailto:[email protected]] On Behalf Of
Kamal
Verma
Sent: Monday, May 24, 2010 4:51 PM
To: [email protected]
Subject: Re: [AI] Difficulties in Banking
Hello,
Noone has to deform such a pioneer corporate like PNB. RBI framed
rules
and
circulars, but being a Branch Manager, it seems impractical to
issue
ATM
card to the blind customers. Let me argue the matter with the
blind
customer
who is in need of ATM card and cheque book. Why does he need ATM
card
and
cheque book and how shall I issue? Let him convince me.
Thanks.
Kamal Verma
----- Original Message -----
From: "Mahesh Panicker" <[email protected]>
To: <[email protected]>
Sent: Monday, May 24, 2010 12:41 PM
Subject: Re: [AI] Difficulties in Banking
dear Mr. Verma. .
surprised to know someone has something nice to say about PNB. I
haven't find many other organizations as obnoxious as PNB is. I
had
a
real struggle to get my ATM card from PNB. in fact, I'd
contacted
the
higher authorities as well. but at the end of the day, I had to
complaint to the RBI, and also to the NHRC and the government of
India
ministry of finance to get my card. after all that, I got my
card
after a good 7 months. recently too, I had a terrible time with
the
PNB, when I applied for a check book. as I already mentioned,
this
happened after I submitted the RBI circular on the rights of the
disabled on banking facility.
and then we all have the story of a visually challenged being
asked
to
provide a NOC from the parents to avail an ATM card. have you
heard
of
anything more obnoxious?
banks in general, and PNB in particular have a horrible record
when
it
comes to acknowledging the rightful claims of the disabled. so
we
have
to take the struggle against such horrible institutional
nonsense to
all possible levels including the media.
On 5/24/10, Kamal Verma <[email protected]> wrote:
Hello all,
I am surprised to note various complaints against PNB in this
list.
I
am
availing all the banking facilities, such as cheque book, debit
card,
credit
card, internet banking, etc. PNB does not ignore the blind
community,
hence
if any problem occurs, it may be communicated to the higher
authorities
of
PNB with the name and designation of the concerned officer.
Thanks.
Kamal Verma
----- Original Message ----- From: "Mahesh Panicker"
<[email protected]>
To: <[email protected]>
Sent: Sunday, May 23, 2010 8:39 PM
Subject: Re: [AI] Difficulties in Banking
> banking is one area where there is a lot of discrimination
> against
> the
> visually challenged. opening an account itself isn't any
easier,
> but
> ones you open an account, getting the common banking
facilities
> like
> ATM cards and check book is an absolute nightmare.I've an
account
> with
> the Punjab National Bank, and I had my struggle of my life to
get
> my
> ATM card issued. it took me a good 7 month for the same to be
> done.
> the struggle for the check book was also on similar lines,
and
> although I've got the checkbook, it has come with a lot of
> conditions.
> most people on access india can tell you similar stories. I
> believe
> some of our own members have taken a lot of initiative in
this
> regard,
> and the 2008 RBI order is an achievement because of such
> initiatives.
>
> On 5/23/10, BHAWANI SHANKAR VERMA <[email protected]>
wrote:
>
> > blind persons should organize and conduct an agitation
before
> > the
banking
> > division and finance ministry. this is the only solution.
> > ----- Original Message ----- From: "rahul cherian"
> > <[email protected]>
> > To: <[email protected]>
> > Sent: Sunday, May 23, 2010 12:47 PM
> > Subject: [AI] Difficulties in Banking
> >
> >
> >
> > > Folks,
> > >
> > > I have been asked to prepare a comprehensive note on the
> > > issues
> > > that
> > persons
> > > with visual impairment face with banking in India,
especially
> > > in
> > > >
leading
> > > banks such as ICICI, HDFC and SBI, along with possible
> > > solutions.
> > > This
> > note
> > > has been asked for by some senior people I know
personally in
> > > these
> > > >
banks.
> > > If anyone would like to help me prepare this note do let
me
> > > know
> > > at
the
> > > earliest. If anyone has the details of any such note
which
> > > has
> > > been
> > prepared
> > > earlier do forward that to me.
> > >
> > > Best regards,
> > >
> > > Rahul Cherian
> > > Inclusive Planet
> > >
> > > On 23 May 2010 12:39, Srinivasu Chakravarthula
> > <[email protected]>wrote:
> > >
> > >
> > > > Hi Dinesh,
> > > > Can you provide us with little more details about your
> > > > problem
> > > > with
> > > > Yahoo! Messenger so as to help you better?
> > > >
> > > > Regards,
> > > > Srinivasu
> > > >
> > > > On 5/23/10, dinesh shukla <[email protected]>
> > > > wrote:
> > > > > dear friends I am not able to chatte with the
help of
> > > > > Yahoo
> > > > massenger.
> > > > > please help me to do the same telling me the steps.
> > > > > Dinesh
> > Shukla.
> > > > >
> > > > >
> > > > > To unsubscribe send a message to >
> > [email protected]
> > > > > 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.i
n
> > > > >
> > > >
> > > > --
> > > > Sent from my mobile device
> > > >
> > > > Best regards,
> > > >
> > > > Srinivasu Chakravarthula
> > > > Mobile: +91 990 081 0881
> > > > Website: http://www.srinivasu.org
> > > > Follow me on Twitter: http://twitter.com/sriniworld/
> > > >
> > > >
> > > >
> > > > To unsubscribe send a message to
> > [email protected] 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.i
n
> > > >
> > > >
> > >
> > >
> > > 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.i
n
> > >
> >
> >
> >
> >
> > 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.i
n
> >
> >
>
>
> --
> Mahesh S. Panicker
> C123;
> Dayanand Colony;
> Lajpat Nagar4;
>
> New delhi india.
>
>
>
> 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.i
n
>
>
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--
Mahesh S. Panicker
C123;
Dayanand Colony;
Lajpat Nagar4;
New delhi india.
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