Re: [AI] About Cheque facility to Customers Using LTI.

[Amiyo Biswas]

Ok, I shall suggest it to my friend facing the problem.

With best regards,
Amiyo Biswas
Cell: 9433464329

- Original Message - 
From: "sanjay" <sanjaylpra...@yahoo.co.in>
To: "AccessIndia: a list for discussing accessibility and issues concerning 
the disabled." <accessindia@accessindia.org.in>

Sent: Wednesday, March 22, 2017 10:42 PM
Subject: Re: [AI] About Cheque facility to Customers Using LTI.


I too was asked to submit a cancel cheque while opening demat account.  I 
told that I am not using cheque book and, I suggested him that I can give 
him the copy of my passbooks's cover page duly stamped with IFSC and MICR 
codes.  I did as I said and the matter was resolved.


- Original Message - 
From: "Amiyo Biswas" <am...@bpa.org.in>
To: "AccessIndia: a list for discussing accessibility and issues 
concerning the disabled." <accessindia@accessindia.org.in>

Sent: Thursday, March 16, 2017 8:32 AM
Subject: Re: [AI] About Cheque facility to Customers Using LTI.


A young friend has to submit a cancelled cheque for her NPS account in the 
office. She has not been provided with cheques as usual. We shall see what 
we can do.


With best regards,
Amiyo Biswas
Cell: 9433464329

- Original Message - 
From: "Vamshi. G" <gvamsh...@gmail.com>
To: "AccessIndia: a list for discussing accessibility and issues 
concerning the disabled." <accessindia@accessindia.org.in>

Sent: Thursday, March 16, 2017 8:13 AM
Subject: Re: [AI] About Cheque facility to Customers Using LTI.



Cheque is still compulsory for many activities like availing a bank
loan.  So it can not be dispensed away that easily.  And finger print
authentication has to be tested before implementing at a practical
level.  I think thats the reason  RBI is not making it compulsory.
One solution is to lodge complaint to the next level or on the on line
customer care channel which goes to the centralised team.  There is a
chance that people at the top are usually aware of the provisions for
the disabled.  Of course, we can not expect every blind person to know
about all these.  May be some NGO can write about the ways of
complaining to bank officials on their Braille magzines so that the
awareness can reach  more and more people.


On 3/15/17, Mahendra Galani <gal...@chello.at> wrote:

to avoid such insident, one should start useing other means.
and not inseest for cheque  book.
we can have ATM, Online transfar.

At 08:24 PM 3/15/2017 +0530, you wrote:

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

Re: [AI] About Cheque facility to Customers Using LTI.

[sanjay]

I too was asked to submit a cancel cheque while opening demat account.  I 
told that I am not using cheque book and, I suggested him that I can give 
him the copy of my passbooks's cover page duly stamped with IFSC and MICR 
codes.  I did as I said and the matter was resolved.


- Original Message - 
From: "Amiyo Biswas" <am...@bpa.org.in>
To: "AccessIndia: a list for discussing accessibility and issues concerning 
the disabled." <accessindia@accessindia.org.in>

Sent: Thursday, March 16, 2017 8:32 AM
Subject: Re: [AI] About Cheque facility to Customers Using LTI.


A young friend has to submit a cancelled cheque for her NPS account in the 
office. She has not been provided with cheques as usual. We shall see what 
we can do.


With best regards,
Amiyo Biswas
Cell: 9433464329

- Original Message - 
From: "Vamshi. G" <gvamsh...@gmail.com>
To: "AccessIndia: a list for discussing accessibility and issues 
concerning the disabled." <accessindia@accessindia.org.in>

Sent: Thursday, March 16, 2017 8:13 AM
Subject: Re: [AI] About Cheque facility to Customers Using LTI.



Cheque is still compulsory for many activities like availing a bank
loan.  So it can not be dispensed away that easily.  And finger print
authentication has to be tested before implementing at a practical
level.  I think thats the reason  RBI is not making it compulsory.
One solution is to lodge complaint to the next level or on the on line
customer care channel which goes to the centralised team.  There is a
chance that people at the top are usually aware of the provisions for
the disabled.  Of course, we can not expect every blind person to know
about all these.  May be some NGO can write about the ways of
complaining to bank officials on their Braille magzines so that the
awareness can reach  more and more people.


On 3/15/17, Mahendra Galani <gal...@chello.at> wrote:

to avoid such insident, one should start useing other means.
and not inseest for cheque  book.
we can have ATM, Online transfar.

At 08:24 PM 3/15/2017 +0530, you wrote:

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. H

Re: [AI] About Cheque facility to Customers Using LTI.

[Mohit Gupta]

dear friend
calling to visually impaired is some difficult because of CTS clearing
system. I think best option is to use LTI/RTI verified cheques.

On 3/16/17, Leikhu Laishram Leingakpa <laishram...@gmail.com> wrote:
> Verification by calling the blind customer from the bank sounds
> practical solution. But there must be an established rule for this
> which must be applicable to all the banks. May be we need to pursue
> this matter with RBI, CCPD, PMO, FM, etc.
>
> Leikhu Laishram
>
>
>
> On 3/16/17, Kanchan Pamnani <kanchanpamn...@gmail.com> wrote:
>> Instead of the cancelled cheque try the cover page of pass book.
>>
>>
>> -Original Message-
>> From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
>> Behalf
>> Of Amiyo Biswas
>> Sent: 16 March 2017 08:33
>> To: AccessIndia: a list for discussing accessibility and issues
>> concerning
>> the disabled.
>> Subject: Re: [AI] About Cheque facility to Customers Using LTI.
>>
>> A young friend has to submit a cancelled cheque for her NPS account in
>> the
>> office. She has not been provided with cheques as usual. We shall see
>> what
>> we can do.
>>
>> With best regards,
>> Amiyo Biswas
>> Cell: 9433464329
>>
>> - Original Message -
>> From: "Vamshi. G" <gvamsh...@gmail.com>
>> To: "AccessIndia: a list for discussing accessibility and issues
>> concerning
>> the disabled." <accessindia@accessindia.org.in>
>> Sent: Thursday, March 16, 2017 8:13 AM
>> Subject: Re: [AI] About Cheque facility to Customers Using LTI.
>>
>>
>>> Cheque is still compulsory for many activities like availing a bank
>>> loan.  So it can not be dispensed away that easily.  And finger print
>>> authentication has to be tested before implementing at a practical
>>> level.  I think thats the reason  RBI is not making it compulsory.
>>> One solution is to lodge complaint to the next level or on the on line
>>> customer care channel which goes to the centralised team.  There is a
>>> chance that people at the top are usually aware of the provisions for
>>> the disabled.  Of course, we can not expect every blind person to know
>>> about all these.  May be some NGO can write about the ways of
>>> complaining to bank officials on their Braille magzines so that the
>>> awareness can reach  more and more people.
>>>
>>>
>>> On 3/15/17, Mahendra Galani <gal...@chello.at> wrote:
>>>> to avoid such insident, one should start useing other means.
>>>> and not inseest for cheque  book.
>>>> we can have ATM, Online transfar.
>>>>
>>>> At 08:24 PM 3/15/2017 +0530, you wrote:
>>>>>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 

Re: [AI] About Cheque facility to Customers Using LTI.

[Leikhu Laishram Leingakpa]

Verification by calling the blind customer from the bank sounds
practical solution. But there must be an established rule for this
which must be applicable to all the banks. May be we need to pursue
this matter with RBI, CCPD, PMO, FM, etc.

Leikhu Laishram



On 3/16/17, Kanchan Pamnani <kanchanpamn...@gmail.com> wrote:
> Instead of the cancelled cheque try the cover page of pass book.
>
>
> -Original Message-
> From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On Behalf
> Of Amiyo Biswas
> Sent: 16 March 2017 08:33
> To: AccessIndia: a list for discussing accessibility and issues concerning
> the disabled.
> Subject: Re: [AI] About Cheque facility to Customers Using LTI.
>
> A young friend has to submit a cancelled cheque for her NPS account in the
> office. She has not been provided with cheques as usual. We shall see what
> we can do.
>
> With best regards,
> Amiyo Biswas
> Cell: 9433464329
>
> - Original Message -
> From: "Vamshi. G" <gvamsh...@gmail.com>
> To: "AccessIndia: a list for discussing accessibility and issues concerning
> the disabled." <accessindia@accessindia.org.in>
> Sent: Thursday, March 16, 2017 8:13 AM
> Subject: Re: [AI] About Cheque facility to Customers Using LTI.
>
>
>> Cheque is still compulsory for many activities like availing a bank
>> loan.  So it can not be dispensed away that easily.  And finger print
>> authentication has to be tested before implementing at a practical
>> level.  I think thats the reason  RBI is not making it compulsory.
>> One solution is to lodge complaint to the next level or on the on line
>> customer care channel which goes to the centralised team.  There is a
>> chance that people at the top are usually aware of the provisions for
>> the disabled.  Of course, we can not expect every blind person to know
>> about all these.  May be some NGO can write about the ways of
>> complaining to bank officials on their Braille magzines so that the
>> awareness can reach  more and more people.
>>
>>
>> On 3/15/17, Mahendra Galani <gal...@chello.at> wrote:
>>> to avoid such insident, one should start useing other means.
>>> and not inseest for cheque  book.
>>> we can have ATM, Online transfar.
>>>
>>> At 08:24 PM 3/15/2017 +0530, you wrote:
>>>>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 verificat

Re: [AI] About Cheque facility to Customers Using LTI.

[Kanchan Pamnani]

Instead of the cancelled cheque try the cover page of pass book. 


-Original Message-
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On Behalf
Of Amiyo Biswas
Sent: 16 March 2017 08:33
To: AccessIndia: a list for discussing accessibility and issues concerning
the disabled.
Subject: Re: [AI] About Cheque facility to Customers Using LTI.

A young friend has to submit a cancelled cheque for her NPS account in the
office. She has not been provided with cheques as usual. We shall see what
we can do.

With best regards,
Amiyo Biswas
Cell: 9433464329

- Original Message -
From: "Vamshi. G" <gvamsh...@gmail.com>
To: "AccessIndia: a list for discussing accessibility and issues concerning
the disabled." <accessindia@accessindia.org.in>
Sent: Thursday, March 16, 2017 8:13 AM
Subject: Re: [AI] About Cheque facility to Customers Using LTI.


> Cheque is still compulsory for many activities like availing a bank 
> loan.  So it can not be dispensed away that easily.  And finger print 
> authentication has to be tested before implementing at a practical 
> level.  I think thats the reason  RBI is not making it compulsory.
> One solution is to lodge complaint to the next level or on the on line 
> customer care channel which goes to the centralised team.  There is a 
> chance that people at the top are usually aware of the provisions for 
> the disabled.  Of course, we can not expect every blind person to know 
> about all these.  May be some NGO can write about the ways of 
> complaining to bank officials on their Braille magzines so that the 
> awareness can reach  more and more people.
>
>
> On 3/15/17, Mahendra Galani <gal...@chello.at> wrote:
>> to avoid such insident, one should start useing other means.
>> and not inseest for cheque  book.
>> we can have ATM, Online transfar.
>>
>> At 08:24 PM 3/15/2017 +0530, you wrote:
>>>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 l

Re: [AI] About Cheque facility to Customers Using LTI.

[Amiyo Biswas]

A young friend has to submit a cancelled cheque for her NPS account in the 
office. She has not been provided with cheques as usual. We shall see what 
we can do.


With best regards,
Amiyo Biswas
Cell: 9433464329

- Original Message - 
From: "Vamshi. G" <gvamsh...@gmail.com>
To: "AccessIndia: a list for discussing accessibility and issues concerning 
the disabled." <accessindia@accessindia.org.in>

Sent: Thursday, March 16, 2017 8:13 AM
Subject: Re: [AI] About Cheque facility to Customers Using LTI.



Cheque is still compulsory for many activities like availing a bank
loan.  So it can not be dispensed away that easily.  And finger print
authentication has to be tested before implementing at a practical
level.  I think thats the reason  RBI is not making it compulsory.
One solution is to lodge complaint to the next level or on the on line
customer care channel which goes to the centralised team.  There is a
chance that people at the top are usually aware of the provisions for
the disabled.  Of course, we can not expect every blind person to know
about all these.  May be some NGO can write about the ways of
complaining to bank officials on their Braille magzines so that the
awareness can reach  more and more people.


On 3/15/17, Mahendra Galani <gal...@chello.at> wrote:

to avoid such insident, one should start useing other means.
and not inseest for cheque  book.
we can have ATM, Online transfar.

At 08:24 PM 3/15/2017 +0530, you wrote:

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 a

Re: [AI] About Cheque facility to Customers Using LTI.

[Vamshi. G]

Cheque is still compulsory for many activities like availing a bank
loan.  So it can not be dispensed away that easily.  And finger print
authentication has to be tested before implementing at a practical
level.  I think thats the reason  RBI is not making it compulsory.
One solution is to lodge complaint to the next level or on the on line
customer care channel which goes to the centralised team.  There is a
chance that people at the top are usually aware of the provisions for
the disabled.  Of course, we can not expect every blind person to know
about all these.  May be some NGO can write about the ways of
complaining to bank officials on their Braille magzines so that the
awareness can reach  more and more people.


On 3/15/17, Mahendra Galani <gal...@chello.at> wrote:
> to avoid such insident, one should start useing other means.
> and not inseest for cheque  book.
> we can have ATM, Online transfar.
>
> At 08:24 PM 3/15/2017 +0530, you wrote:
>>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 t

Re: [AI] About Cheque facility to Customers Using LTI.

[Mahendra Galani]

to avoid such insident, one should start useing other means.
and not inseest for cheque  book.
we can have ATM, Online transfar.

At 08:24 PM 3/15/2017 +0530, you wrote:

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,
>

Re: [AI] About Cheque facility to Customers Using LTI.

[Amiyo Biswas]

Yes, the bank officials may help us in more than one way if they wish. But 
they don't want to take any extra responsibility. If a sim dealer can verify 
finger impressions using android app, the bank managers can also do it, if 
RBI makes it compulsory.


I shall try to explain the situation to the bank officials. Let me see. I 
have the handbook of circulars from www.talkingatmindia.org


With best regards,
Amiyo Biswas
Cell: +91-9433464329

- Original Message - 
From: "George Abraham" <geo...@eyeway.org>
To: "'AccessIndia: a list for discussing accessibility and issues concerning 
the disabled.'" <accessindia@accessindia.org.in>

Sent: Wednesday, March 15, 2017 11:32 AM
Subject: Re: [AI] About Cheque facility to Customers Using LTI.



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 rega

Re: [AI] About Cheque facility to Customers Using LTI.

[sampath raj rao]

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.f

Re: [AI] About Cheque facility to Customers Using LTI.

[George Abraham]

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
>
> Register at the dedicated AccessIndia list for discussing 
> accessibility of mobile phones / Tabs on:
> http://mail.accessindia.org.in/mailman/listinfo/mobile.
> accessindia_accessindia.org.in
>
>
> Search for old postings at:
> http://www.mail-archive.com/accessindia@accessindia.org.in/
>
> To unsubscribe send a message to
> accessindia-requ...@accessindia.org.in
> 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
>
>
> Disclaimer:
> 1. Contents of the mails, factual, or other

Re: [AI] About Cheque facility to Customers Using LTI.

[Sachit Kumar Sahrawat]

Hi there!

I just explain you how to use cheques using LTI or RTI.  Many people
know this method!  You need to fill all the details in the cheque
except your signature or thumb impression, then you need to go to your
home branch and put your thumb impression in the presence of the
manager and he/she will verify with his/her signature and the employee
number that the thumb impression was put in his/her presence and then
you can give that cheque anywhere you wish.  This is the method by
which a cheque is issued!  Now I come to the unofficial method, if the
manager trusts you or you have a good relations with manager or you
can convince the manager, then the manager can verify more than one
cheque without filling any details on the cheque and later on you can
issue the cheque to anyone without visiting the branch for a
particular cheque.  Because what you need to issue the cheque with
thumb impression is the verification

If you need more light on the subject, feel free to call me.

 from the manager on the cheques.


On 3/15/17, Amiyo Biswas  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
>
> Register at the dedicated AccessIndia list for discussing accessibility of
> mobile phones / Tabs on:
> http://mail.accessindia.org.in/mailman/listinfo/mobile.accessindia_accessindia.org.in
>
>
> Search for old postings at:
> http://www.mail-archive.com/accessindia@accessindia.org.in/
>
> To unsubscribe send a message to
> accessindia-requ...@accessindia.org.in
> 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
>
>
> Disclaimer:
> 1. Contents of the mails, factual, or otherwise, reflect the thinking of the
> person sending the mail and AI in no way relates itself to its veracity;
>
> 2. AI cannot be held liable for any commission/omission based on the mails
> sent through this mailing list..
>


-- 
REGARDS


SACHIT KUMAR SAHRAWAT

OFFICE--:
PHONE : +911123903420
EMAIL : sac...@sspl.drdo.in

PERSONAL--:
PHONE : +919868849358 AND +919968849358
E-MAIL : sirsac...@gmail.com
FACEBOOK : HTTPS://WWW.FACEBOOK.COM/SACHITSAHRAWAT

DELHI
INDIA


Register at the dedicated AccessIndia list for discussing accessibility of 
mobile phones / Tabs on:
http://mail.accessindia.org.in/mailman/listinfo/mobile.accessindia_accessindia.org.in


Search for old postings at:
http://www.mail-archive.com/accessindia@accessindia.org.in/

To unsubscribe send a message to
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with the subject unsubscribe.

To change your subscription to digest mode or make any other changes, please 
visit the list home page at
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Disclaimer:
1. Contents of the mails, factual, or otherwise, reflect the thinking of the 
person sending the mail and AI in no way relates itself to its veracity;

2. AI cannot be held liable for any commission/omission based on the mails sent 
through this mailing list..

Re: [AI] About Cheque facility to Customers Using LTI.

[नूपुर जैन]

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
>
> Register at the dedicated AccessIndia list for discussing 
> accessibility of mobile phones / Tabs on:
> http://mail.accessindia.org.in/mailman/listinfo/mobile.
> accessindia_accessindia.org.in
>
>
> Search for old postings at:
> http://www.mail-archive.com/accessindia@accessindia.org.in/
>
> To unsubscribe send a message to
> accessindia-requ...@accessindia.org.in
> 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
>
>
> Disclaimer:
> 1. Contents of the mails, factual, or otherwise, reflect the thinking 
> of the person sending the mail and AI in no way relates itself to its 
> veracity;
>
> 2. AI cannot be held liable for any commission/omission based on the 
> mails sent through this mailing list..
>

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with the s

Re: [AI] About Cheque facility to Customers Using LTI.

[Kotian, H P]

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
>
> Register at the dedicated AccessIndia list for discussing 
> accessibility of mobile phones / Tabs on:
> http://mail.accessindia.org.in/mailman/listinfo/mobile.
> accessindia_accessindia.org.in
>
>
> Search for old postings at:
> http://www.mail-archive.com/accessindia@accessindia.org.in/
>
> To unsubscribe send a message to
> accessindia-requ...@accessindia.org.in
> 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
>
>
> Disclaimer:
> 1. Contents of the mails, factual, or otherwise, reflect the thinking 
> of the person sending the mail and AI in no way relates itself to its 
> veracity;
>
> 2. AI cannot be held liable for any commission/omission based on the 
> mails sent through this mailing list..
>

Register at the dedicated AccessIndia list for discussing accessibility of 
mobile phones / Tabs on:
http://mail.accessindia.org.in/mailman/listinfo/mobile.accessindia_accessindia.org.in


Search for old postings at:
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Disclaimer:
1. Contents of the mails, factual, or otherwise, reflect the thinking of the 
person sending the mail and AI in no way relates itself to its veracity;

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through this mailing list..



Caution: The Reserve Bank of India never sends mails, SMSs or makes calls 
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Re: [AI] About Cheque facility to Customers Using LTI.

[Asudani, Rajesh]

It is not a convenient argument, it is a realistic argument by the bankers.
Despite all hallabulla about digital India, biometrics is yet to be implemented 
across the board, except for unlocking the phone in advanced devices, smile..

But, there is an old CCPD judgment to the effect that a blind person may get 
the LTI/RTI attested on the chequebooks at the time of issuance and then use 
them.
Bankers also will not face any problem in verification as Thumb impression will 
be pre attested.
 

-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.
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
>
> Register at the dedicated AccessIndia list for discussing accessibility of
> mobile phones / Tabs on:
> http://mail.accessindia.org.in/mailman/listinfo/mobile.
> accessindia_accessindia.org.in
>
>
> Search for old postings at:
> http://www.mail-archive.com/accessindia@accessindia.org.in/
>
> To unsubscribe send a message to
> accessindia-requ...@accessindia.org.in
> 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
>
>
> Disclaimer:
> 1. Contents of the mails, factual, or otherwise, reflect the thinking of
> the person sending the mail and AI in no way relates itself to its veracity;
>
> 2. AI cannot be held liable for any commission/omission based on the mails
> sent through this mailing list..
>

Register at the dedicated AccessIndia list for discussing accessibility of 
mobile phones / Tabs on:
http://mail.accessindia.org.in/mailman/listinfo/mobile.accessindia_accessindia.org.in


Search for old postings at:
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Disclaimer:
1. Contents of the mails, factual, or otherwise, reflect the thinking of the 
person sending the mail and AI in no way relates itself to its veracity;

2. AI cannot be held liable for any commission/omission based on the mails sent 
through this mailing list..



Caution: The Reserve Bank of India never sends mails, SMSs or makes calls 
asking for personal information such as your bank account details, passwords, 
etc. It never keeps or offers funds to anyone. Please do not respond in any 
manner to such offers, however official or attractive they may look.


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Re: [AI] About Cheque facility to Customers Using LTI.

[sweety.bhalla]

A solution is that when u r issuing a cheque to a 3rd party, u take the
number of the person who looks into the matters of cheque clearing. You may
call him to clear your cheque as he is aware and can give the instructions
to the concerned agency by mail or phone. I generally use this method in my
case.
With regards

-Original Message-
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On Behalf
Of Aruni Sharma
Sent: 15 March 2017 09:47
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
>
> Register at the dedicated AccessIndia list for discussing 
> accessibility of mobile phones / Tabs on:
> http://mail.accessindia.org.in/mailman/listinfo/mobile.
> accessindia_accessindia.org.in
>
>
> Search for old postings at:
> http://www.mail-archive.com/accessindia@accessindia.org.in/
>
> To unsubscribe send a message to
> accessindia-requ...@accessindia.org.in
> 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
>
>
> Disclaimer:
> 1. Contents of the mails, factual, or otherwise, reflect the thinking 
> of the person sending the mail and AI in no way relates itself to its 
> veracity;
>
> 2. AI cannot be held liable for any commission/omission based on the 
> mails sent through this mailing list..
>

Register at the dedicated AccessIndia list for discussing accessibility of
mobile phones / Tabs on:
http://mail.accessindia.org.in/mailman/listinfo/mobile.accessindia_accessind
ia.org.in


Search for old postings at:
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2. AI cannot be held liable for any commission/omission based on the mails
sent through this mailing list..


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Re: [AI] About Cheque facility to Customers Using LTI.

[Aruni Sharma]

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  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
>
> Register at the dedicated AccessIndia list for discussing accessibility of
> mobile phones / Tabs on:
> http://mail.accessindia.org.in/mailman/listinfo/mobile.
> accessindia_accessindia.org.in
>
>
> Search for old postings at:
> http://www.mail-archive.com/accessindia@accessindia.org.in/
>
> To unsubscribe send a message to
> accessindia-requ...@accessindia.org.in
> 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
>
>
> Disclaimer:
> 1. Contents of the mails, factual, or otherwise, reflect the thinking of
> the person sending the mail and AI in no way relates itself to its veracity;
>
> 2. AI cannot be held liable for any commission/omission based on the mails
> sent through this mailing list..
>

Register at the dedicated AccessIndia list for discussing accessibility of 
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1. Contents of the mails, factual, or otherwise, reflect the thinking of the 
person sending the mail and AI in no way relates itself to its veracity;

2. AI cannot be held liable for any commission/omission based on the mails sent 
through this mailing list..

[AI] About Cheque facility to Customers Using LTI.

[Amiyo Biswas]

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

Register at the dedicated AccessIndia list for discussing accessibility of 
mobile phones / Tabs on:
http://mail.accessindia.org.in/mailman/listinfo/mobile.accessindia_accessindia.org.in


Search for old postings at:
http://www.mail-archive.com/accessindia@accessindia.org.in/

To unsubscribe send a message to
accessindia-requ...@accessindia.org.in
with the subject unsubscribe.

To change your subscription to digest mode or make any other changes, please 
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Disclaimer:
1. Contents of the mails, factual, or otherwise, reflect the thinking of the 
person sending the mail and AI in no way relates itself to its veracity;

2. AI cannot be held liable for any commission/omission based on the mails sent 
through this mailing list..