This is a stray incident.
Anything can be misused, including blindness.
So, what?
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: accessindia-boun...@accessindia.org.in
[mailto:accessindia-boun...@accessindia.org.in] On Behalf Of Kamal Verma
Sent: Wednesday, May 26, 2010 12:23 PM
To: B. R. Nautial; accessindia@accessindia.org.in
Subject: Re: [AI] Difficulties in Banking
In case of Rajkumar Sahu, staff/customer in Bank of India, availed an
overdraft facility. He enjoyed the facility completely. When the account
became out of order, he blamed that being a blind person, he could not
read/understand the documents/statements and the manager should have
verbally told him the status of the account from time-to-time. He made a
complaint to the higher authorities and the authorities viewed it seriously
and fixed the responsibility of the Manager. After great difficulties, I
could convince the complainant to get the complaint back and the problems
was resolved. Here, I would like to clarify that I belong to PNB.
Thanks.
Kamal Verma
----- Original Message -----
From: "B. R. Nautial" <brnaut...@gmail.com>
To: <accessindia@accessindia.org.in>
Sent: Wednesday, May 26, 2010 9:41 AM
Subject: Re: [AI] Difficulties in Banking
> no sir, I am not agree with you at all. here, nobody is favoring to the
> bankers but because many of us have been working in the different banks
> for the last several years so we are fully aware with the technical
> problems may accurse. may be many of us are not aware of them at all.
> its easy to criticize anyone here without knowing the facts/technical
> issues really the bankers are facing in daily routine work but I request
> to all of you, please be patience because bankers are also the part of
> society and their objections are also genuine but more or less, these
> facilities are quite dangerous for the blind persons. this is also
> important that if any blind person ask for all these facilities, the
> undertaking must be given by the accountholder, not by the parrents. this
> is quite illogical at all because only accountholder has a right to take
> any decision about his own account but this undertaking must be taken in
> presence of his nominee of the same account.
> Thanks
> With Regards
> B. R. Nautial
> Mobile: +919915073368
> ----- Original Message -----
> From: "Viraj Kafle" <vka...@gmail.com>
> To: <accessindia@accessindia.org.in>
> Sent: Wednesday, May 26, 2010 7:48 AM
> Subject: Re: [AI] Difficulties in Banking
>
>
>> Why is it that the banks are so firm in denying us our due rights? In
>> fact, it is our right not only to have accounts and subsequent facilities
>> (check book-ATM card-netbanking etc.), but also to have proper and smooth
>> access to these facilities. The authorities, ranging from the local to
>> the national, have appeared more or less unwilling to provide us
>> accessibility measures. Denial, thus, has become a easy means of escape
>> for the authorities. Bank managers can join our struggle, in fact, by
>> coming out of this escapism and advocating, with all their capacities,
>> our due rights. It is quite unfortunate that instead of doing so, our
>> friends here claiming to represent the banker's perspective are
>> advocating things that are quite retrogressive in nature. The solution is
>> to facilitate access instead of denying us our rights. The bank managers
>> can either be partisans to our rights or remain neutral and follow the
>> guidelines and the law of the land. Denial, in any case, must not have
>> any place in the entire debate.
>> ----- Original Message -----
>> From: "Mahesh Panicker" <maheshspanic...@gmail.com>
>> To: <accessindia@accessindia.org.in>
>> Sent: Tuesday, May 25, 2010 9:07 PM
>> Subject: Re: [AI] Difficulties in Banking
>>
>>
>>> going by some of the argument from a bankers perspective, the best
>>> option seems to be depriving the visually challenged from availing any
>>> banking facility, including an account itself. the entire argument of
>>> bank being concerned about the possible risk for the visually
>>> challenged, the best way of helping the person from their point of
>>> view is to tell him or her not avail any banking facility. in when you
>>> work your salary goes to your bank account or is processed through a
>>> bank. since you are blind you might be cheated at some point. so it is
>>> better you don't work at all so that you don't have to deal with a
>>> bank.
>>> sorry, but that logic is absolute nonsense.
>>>
>>> On 5/25/10, Subramani L <lsubram...@deccanherald.co.in> wrote:
>>>> If I were to follow Bhavani's rationale, my bank manager is more
>>>> worried
>>>> about my money's safety than I am. So concerned he is that he would
>>>> never let me take the money in the easiest way I can. Wonderful. First
>>>> of, pl get this clear. I can't see, but I am capable of deciding for
>>>> myself whether the person I am going with to the ATM is trustworthy
>>>> enough or not. Ok, even if I were to lose some money, it would allrt me
>>>> of not getting myself in that situation again. That is how we all
>>>> learn.
>>>> The problem with bankers not letting us use ATM is that they are posing
>>>> a bigger problem to me than the problem I already face. For instance, I
>>>> have to stand in the queue to withdraw the money, where I have to fill
>>>> in the withdrawal form -for which I have to rely on a stranger- and
>>>> then
>>>> collect the cash and count the currency in front of many strangers then
>>>> expect to get back to my office hoping not to be mugged by miscreants
>>>> who may be following me from the bank to my office. This is safer than
>>>> ATM according to my bankers. Of course, now I know that they are
>>>> worried
>>>> about their job and their safety.
>>>>
>>>> Subramani
>>>>
>>>>
>>>>
>>>> -----Original Message-----
>>>> From: accessindia-boun...@accessindia.org.in
>>>> [mailto:accessindia-boun...@accessindia.org.in] On Behalf Of Mukesh
>>>> Sharma
>>>> Sent: Tuesday, May 25, 2010 6:58 PM
>>>> To: accessindia@accessindia.org.in
>>>> Subject: Re: [AI] Difficulties in Banking
>>>>
>>>> Give me one such case.
>>>> When issuing ATM card, the bank in their pure diplomatic language
>>>> express
>>>> "NO RISK of the BANK" on the misuse of the Card and the undertaking has
>>>> to
>>>> be signed by the customer and I guess that is sufficient to save your
>>>> job!
>>>> This is what should be done for every customer irrespective of the so
>>>> called
>>>> disability or ability to see or even use ATM independently.
>>>> The bread and butter is forcing you to stand by bankers approach but
>>>> what
>>>> about your personal opinion.
>>>> Or let's do it other way, suppose you are a customer and I am a BM,
>>>> explain
>>>> me why I shouldn't issue a ATM Card to you, if you can not, then help
>>>> in
>>>> your capacity to get every individual to enjoy facility equally be it
>>>> of
>>>> ATM
>>>> or Cheque Book.
>>>> A BM is there to make life of customer easier and not difficult else
>>>> the
>>>> scheme of banking would have not been possible for illiterate and BPL
>>>> customer.
>>>> Thanks
>>>> Mukesh
>>>>
>>>> -----Original Message-----
>>>> From: accessindia-boun...@accessindia.org.in
>>>> [mailto:accessindia-boun...@accessindia.org.in] On Behalf Of BHAWANI
>>>> SHANKAR
>>>> VERMA
>>>> Sent: Tuesday, May 25, 2010 6:09 PM
>>>> To: accessindia@accessindia.org.in
>>>> 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" <ameen.etta...@gmail.com>
>>>> To: <accessindia@accessindia.org.in>
>>>> 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" <bsvermad...@gmail.com>
>>>> > To: "B. R. Nautial" <brnaut...@gmail.com>; "access india"
>>>> > <accessindia@accessindia.org.in>
>>>> > 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" <brnaut...@gmail.com>
>>>> >> To: <accessindia@accessindia.org.in>
>>>> >> 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 begin_of_the_skype_highlighting +919915073368
>>>> >>> end_of_the_skype_highlighting
>>>> >>> ----- Original Message -----
>>>> >>> From: "Kamal Verma" <kamalve...@pnb.co.in>
>>>> >>> To: <accessindia@accessindia.org.in>
>>>> >>> 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" <rajeshasud...@rbi.org.in>
>>>> >>>> To: <accessindia@accessindia.org.in>
>>>> >>>> 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 begin_of_the_skype_highlighting 09420397185
>>>> >>>>> end_of_the_skype_highlighting
>>>> >>>>> O: 0712 2806676 begin_of_the_skype_highlighting 0712
>>>> >>>>> 2806676 end_of_the_skype_highlighting
>>>> >>>>> Res: 0712 2591349 begin_of_the_skype_highlighting 0712 2591349
>>>> >>>>> end_of_the_skype_highlighting
>>>> >>>>>
>>>> >>>>>
>>>> >>>>>
>>>> >>>>> -----Original Message-----
>>>> >>>>> From: accessindia-boun...@accessindia.org.in
>>>> >>>>> [mailto:accessindia-boun...@accessindia.org.in] On Behalf Of
>>>> >>>>> Kamal
>>>>
>>>> >>>>> Verma
>>>> >>>>> Sent: Monday, May 24, 2010 4:51 PM
>>>> >>>>> To: accessindia@accessindia.org.in
>>>> >>>>> 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" <maheshspanic...@gmail.com>
>>>> >>>>> To: <accessindia@accessindia.org.in>
>>>> >>>>> 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 <kamalve...@pnb.co.in> 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"
>>>> >>>>>>> <maheshspanic...@gmail.com>
>>>> >>>>>>> To: <accessindia@accessindia.org.in>
>>>> >>>>>>> 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 <bsvermad...@gmail.com>
>>>> 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"
>>>> >>>>>>> > > <rahul.cher...@inclusiveplanet.com>
>>>> >>>>>>> > > To: <accessindia@accessindia.org.in>
>>>> >>>>>>> > > 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
>>>> >>>>>>> > > <sriniv...@srinivasu.org>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 <dineshshukla2...@gmail.com>
>>>> >>>>>>> > > > > 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 >
>>>> >>>>>>> > > accessindia-requ...@accessindia.org.inwith
>>>> >>>>>>> > > > > > 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
>>>> >>>>>>> > > > > begin_of_the_skype_highlighting +91 990 081 0881
>>>> >>>>>>> > > > > end_of_the_skype_highlighting
>>>> >>>>>>> > > > > Website: http://www.srinivasu.org
>>>> >>>>>>> > > > > Follow me on Twitter: http://twitter.com/sriniworld/
>>>> >>>>>>> > > > >
>>>> >>>>>>> > > > >
>>>> >>>>>>> > > > >
>>>> >>>>>>> > > > > To unsubscribe send a message to
>>>> >>>>>>> > > accessindia-requ...@accessindia.org.inwith 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
>>>> >>>>>>> > > 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.i
>>>> n
>>>> >>>>>>> > > >
>>>> >>>>>>> > >
>>>> >>>>>>> > >
>>>> >>>>>>> > >
>>>> >>>>>>> > >
>>>> >>>>>>> > > To unsubscribe send a message to
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>>>> >>>>>>> > > unsubscribe.
>>>> >>>>>>> > >
>>>> >>>>>>> > > To change your subscription to digest mode or make any
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>>>> >>>>>>> > > changes,
>>>> >>>>>>> please
>>>> >>>>>>> > > visit the list home page at
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>>>> >>>>>>>
>>>> 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
>>>> >>>>>>> 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.i
>>>> n
>>>> >>>>>>> >
>>>> >>>>>>> >
>>>> >>>>>>>
>>>> >>>>>>>
>>>> >>>>>>>
>>>> >>>>>>> DISCLAIMER:
>>>> >>>>>>>
>>>> >>>>>>>
>>>> >>>>>>> The Information transmitted in this email is solely for the
>>>> >>>>>>> addressee.
>>>> >>>>>>> It
>>>> >>>>>>> is
>>>> >>>>>>> confidential and may be legally privileged. Access to this
>>>> >>>>>>> email
>>>> by
>>>> >>>>>>> anyone
>>>> >>>>>>> else is unauthorized. Any disclosure, copying, distribution or
>>>> any
>>>> >>>>>>> action
>>>> >>>>>>> taken by anyone other than by the intended recipient is
>>>> prohibited
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>>>> >>>>>>> be unlawful. If you are not the intended recipient then kindly
>>>> >>>>>>> delete
>>>> >>>>>>> the
>>>> >>>>>>> mail from your system. Any opinion or views expressed in this
>>>> mail
>>>> >>>>>>> may
>>>> >>>>>>> not
>>>> >>>>>>> necessarily reflect that of Punjab National Bank. The bank
>>>> considers
>>>> >>>>>>> unencrypted email as an insecure mode of communication.
>>>> >>>>>>>
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>>>> >>>>>>> To unsubscribe send a message to
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>>>> n
>>>> >>>>>>>
>>>> >>>>>>
>>>> >>>>>>
>>>> >>>>>> --
>>>> >>>>>> Mahesh S. Panicker
>>>> >>>>>> C123;
>>>> >>>>>> Dayanand Colony;
>>>> >>>>>> Lajpat Nagar4;
>>>> >>>>>>
>>>> >>>>>> New delhi india.
>>>> >>>>>>
>>>> >>>>>>
>>>> >>>>>>
>>>> >>>>>> To unsubscribe send a message to
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>>>> >>>>>>
>>>> >>>>>>
>>>> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.i
>>>> n
>>>> >>>>>>
>>>> >>>>>
>>>> >>>>>
>>>> >>>>>
>>>> >>>>> DISCLAIMER:
>>>> >>>>>
>>>> >>>>>
>>>> >>>>> The Information transmitted in this email is solely for the
>>>> addressee.
>>>> >>>>> It is confidential and may be legally privileged. Access to this
>>>> email
>>>> >>>>> by anyone else is unauthorized. Any disclosure, copying,
>>>> distribution
>>>> >>>>> or
>>>> >>>>> any action taken by anyone other than by the intended recipient
>>>> >>>>> is
>>>> >>>>> prohibited and may be unlawful. If you are not the intended
>>>> recipient
>>>> >>>>> then kindly delete the mail from your system. Any opinion or
>>>> >>>>> views
>>>> >>>>> expressed in this mail may not necessarily reflect that of Punjab
>>>> >>>>> National Bank. The bank considers unencrypted email as an
>>>> >>>>> insecure
>>>>
>>>> >>>>> mode
>>>> >>>>> of communication.
>>>> >>>>>
>>>> >>>>>
>>>> >>>>>
>>>> >>>>> To unsubscribe send a message to
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>>>> n
>>>> >>>>>
>>>> >>>>> Notice: This email and any files transmitted with it are
>>>> confidential
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>>>> whom
>>>> >>>>> they
>>>> >>>>> are addressed. If you are not the intended recipient, any
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>>>> >>>>> contained in this e-mail message and/or attachments to it are
>>>> strictly
>>>> >>>>> prohibited. If you have received this email by error, please
>>>> notify
>>>> >>>>> us
>>>> >>>>> by return e-mail or telephone and immediately and permanently
>>>> delete
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>>>> and
>>>> >>>>> any attachments for the presence of viruses. The Bank accepts no
>>>> >>>>> liability for any damage caused by any virus transmitted by this
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>>>> >>>>>
>>>> >>>>>
>>>> >>>>>
>>>> >>>>> To unsubscribe send a message to
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>>>> >>>>>
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>>>> n
>>>> >>>>>
>>>> >>>>
>>>> >>>>
>>>> >>>>
>>>> >>>> DISCLAIMER:
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>>>> >>>>
>>>> >>>> The Information transmitted in this email is solely for the
>>>> addressee.
>>>> >>>> It
>>>> >>>> is confidential and may be legally privileged. Access to this
>>>> >>>> email
>>>> by
>>>> >>>> anyone else is unauthorized. Any disclosure, copying, distribution
>>>> or
>>>> >>>> any
>>>> >>>> action taken by anyone other than by the intended recipient is
>>>> >>>> prohibited
>>>> >>>> and may be unlawful. If you are not the intended recipient then
>>>> kindly
>>>> >>>> delete the mail from your system. Any opinion or views expressed
>>>> >>>> in
>>>>
>>>> >>>> this
>>>> >>>> mail may not necessarily reflect that of Punjab National Bank. The
>>>> bank
>>>> >>>> considers unencrypted email as an insecure mode of communication.
>>>> >>>>
>>>> >>>>
>>>> >>>> To unsubscribe send a message to
>>>> accessindia-requ...@accessindia.org.in
>>>> >>>> with the subject unsubscribe.
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>>>> n
>>>> >>>
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>>>> >>> with the subject unsubscribe.
>>>> >>>
>>>> >>> To change your subscription to digest mode or make any other
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>>>> >>>
>>>> >>>
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>>>> n
>>>> >>
>>>> >>
>>>> >>
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>>>> >> To change your subscription to digest mode or make any other
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>>>> n
>>>> >
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>>>> >
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>>>> n
>>>>
>>>>
>>>>
>>>>
>>>>
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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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>>>> n
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>>>>
>>>>
>>>>
>>>> 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
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>>>> n
>>>>
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>>>>
>>>> To unsubscribe send a message to accessindia-requ...@accessindia.org.in
>>>> with the subject unsubscribe.
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>>>> To change your subscription to digest mode or make any other changes,
>>>> please visit the list home page at
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>>>>
>>>
>>>
>>> --
>>> Mahesh S. Panicker
>>> C123;
>>> Dayanand Colony;
>>> Lajpat Nagar4;
>>>
>>> New delhi india.
>>>
>>>
>>>
>>> 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
>>
>>
>>
>>
>> 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
>
>
>
>
> 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
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>
DISCLAIMER:
The Information transmitted in this email is solely for the addressee. It is
confidential and may be legally privileged. Access to this email by anyone else
is unauthorized. Any disclosure, copying, distribution or any action taken by
anyone other than by the intended recipient is prohibited and may be unlawful.
If you are not the intended recipient then kindly delete the mail from your
system. Any opinion or views expressed in this mail may not necessarily reflect
that of Punjab National Bank. The bank considers unencrypted email as an
insecure mode of communication.
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
Notice: This email and any files transmitted with it are confidential and
intended solely for the use of the individual or entity to whom they are
addressed. 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 email by error, please notify us by return e-mail or telephone
and immediately and permanently delete the message and any attachments. The
recipient should check this email and any attachments for the presence of
viruses. The Bank accepts no liability for any damage caused by any virus
transmitted by this email.
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
