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
----- 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
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: 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.in
> > > > >
> > > >
> > > > --
> > > > Sent from my mobile device
> > > >
> > > > Best regards,
> > > >
> > > > Srinivasu Chakravarthula
> > > > Mobile: +91 990 081 0881
> > > > Website: http://www.srinivasu.org
> > > > Follow me on Twitter: http://twitter.com/sriniworld/
> > > >
> > > >
> > > >
> > > > To unsubscribe send a message to
> > 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.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
> >
http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in
> >
> >
>
>
> --
> 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
>
>
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
--
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
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
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
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
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
http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in
