HI Raj, Please be careful while forwarding private mails to a public forum like Access India. Not all would like to discuss their problems on a public forum.
Kindly forgive me if you had taken explicit permission from the concerned person before forwarding his/her mail to this forum. On 10/21/12, Raaj <[email protected]> wrote: > It seems this is for the list. Or someone can help him in this matter. > ----- Original Message ----- > From: "Silpa Mallipeddi" <[email protected]> > To: <[email protected]> > Sent: Sunday, October 21, 2012 9:12 PM > Subject: the banking ombudsman > > >>I would like to know banking opportunities for deaf blind. >> My hearing and vision are deteriorating slowly. >> >> Would be helpful for me if I come to know about any deaf blind mailing >> lists and any assistive devices for deaf blind people. >> >> Thanks and regards, >> Silpa. >> >> >> On 9/28/12, Raaj <[email protected]> wrote: >>> I can surely say with my experience, The banking ombudsman is not doing >>> anything in favour of physically handicapped people's complaints. >>> >>> I've lodged a complaint against my denial of internet banking and for >>> which >>> >>> they replied, Banks can differ with their decisions. All banks cannot be >>> >>> the >>> >>> same. After that, I've lodged my complaint with commissionar for >>> disabled, >>> now. >>> ----- Original Message ----- >>> From: "Harish Kapoor" <[email protected]> >>> To: <[email protected]> >>> Sent: Friday, September 28, 2012 12:39 PM >>> Subject: [AI] the banking ombudsman >>> >>> >>>> our accessindian friends are facing bank related problems. so I want >>>> share knolidge. may be it would b helpful to you. please read this >>>> topic. >>>> >>>> >>>> From procedural point of filing a complaint and the manner of dealing >>>> with it, this information is very important. The aspects on which a >>>> complaint can be filed are exhaustive and cover all of the services >>>> the bank offers to its customers. The grounds include some matters >>>> related to loans and advances also. Though there cannot be a complaint >>>> for not sanctioning a loan, it can be for non-observance of RBI >>>> directives, delay in decision, interest rate directives and >>>> non-acceptance of a loan application. In a broader sense, the aspects >>>> also cover what the customers expect from the bank about its declared >>>> services. For effectively dealing with the complaint the banking >>>> ombudsman has powers to call for information from the parties >>>> concerned. The complaint needs to be in writing and supported by >>>> documents and declarations as given in the scheme. The limitation >>>> period for filing a complaint is one year. >>>> >>>> GROUNDS OF COMPLAINT >>>> >>>> A complaint on any of the following grounds alleging deficiency in >>>> banking service may be filed with the banking ombudsman having >>>> jurisdiction: >>>> >>>> (i) non-payment/inordinate delay in the payment or collection of >>>> cheques, drafts, bills, etc; (ii) non-acceptance, without sufficient >>>> cause, of small denomination notes or coins tendered >>>> for any purpose, and for creating a charge of commission in respect >>>> thereof; (iii) non-payment or delay in payment of inward remittances; >>>> (iv) failure to issue or delay in issue of drafts, pay orders or >>>> bankers cheques; (v) failure to honour a guarantee or letter of credit >>>> commitments; (vi) failure to provide or delay in providing a banking >>>> facility (other than loans and advances) >>>> promised in writing by a bank or its direct selling agents; >>>> (vii) delays, non-credit of proceeds to parties accounts, non-payment >>>> of deposit or non-observance of the Reserve Bank directives, if any, >>>> applicable to rate of interest on deposits in any savings, current and >>>> other account maintained with a bank; (viii) delay in receipt of >>>> export proceeds, handling of export bills, collection of bills etc., >>>> for >>>> exporters provided that the said complaints pertain to the bank's >>>> operations in India; (ix) complaints form non-resident Indians having >>>> accounts in India in relation to their remittances >>>> from abroad, deposits and other bank related matters; (x) refusal to >>>> open deposit accounts without any valid reason for refusal; (xi) >>>> levying of charges without adequate prior notice to the customer; >>>> (xii) non-adherence by the bank or its subsidiaries to the >>>> instructions of Reserve Bank on ATM/ >>>> Debit card operations or credit card operations; >>>> (xiii) non-disbursement or delay in disbursement of pension (to the >>>> extent the grievance can be attributed to the action on the part of >>>> the bank concerned, but not with regard to its employees); (xiv) >>>> refusal to accept or delay in accepting payment towards taxes, as >>>> required by Reserve >>>> Bank/Government; (xv) refusal to issue or delay in issuing, or failure >>>> to service or delay in servicing or redemption >>>> of Government securities; (xvi) forced closure of deposit accounts >>>> without due notice or without sufficient reason; >>>> >>>> (xvii) refusal to close or delay in closing the accounts; (xviii) >>>> non-adherence to the fair practices code as adopted by the bank; >>>> (xix) any other matter relating to the violation of the directives >>>> issued by the Reserve Bank of India in relation to banking services. >>>> 2. Complaints concerning loans and advances may also be filed, only in >>>> so far as they relate to the >>>> following: >>>> (i) non-observance of Reserve Bank of India directives on interest >>>> rates. >>>> (ii) delays in sanction, disbursement or non-observance of prescribed >>>> time schedule for disposal >>>> of loan applications. >>>> (iii) non-acceptance of application for loans without furnishing valid >>>> reasons to the applicant, (iv) non-observance of any other directions >>>> or instructions of the Reserve Bank of India, as may be specified by >>>> it from time to time. >>>> 3. The banking ombudsman may also deal with such other matter as may >>>> be specified by the Reserve >>>> Bank of India from time to time in this behalf. >>>> >>>> PROCEDURE FOR FILING COMPLAINT >>>> >>>> 1. Any person who has a grievance against a bank relating to the >>>> banking services for reasons as >>>> detailed above, may himself or through his authorised representative >>>> other than an advocate make >>>> a complaint to the banking ombudsman within whose jurisdiction the >>>> branch or office of the bank >>>> complained against is located. Complaints arising out of the operation >>>> of credit cards shall be filed >>>> before the banking ombudsman within whose jurisdiction the billing >>>> address of the complainant is >>>> located. >>>> 2. The complaint shall be in writing, duly signed by the complainant >>>> or his authorised representative. >>>> The complaint shall be in a form specified in Annexure - A of the >>>> scheme and shall state clearly >>>> following particulars: >>>> (i) The name and address of the complainant >>>> (ii) The name and address of the branch or office of the bank against >>>> which the complaint is >>>> made >>>> (iii) The facts giving rise to the complaint (iv) The nature and >>>> extent of the loss caused to the complainant (v) The relief sought >>>> from the banking ombudsman >>>> 3. No complaint to the banking ombudsman shall lie unless >>>> (a) the complainant had before making a complaint to the banking >>>> ombudsman made a written >>>> representation to the bank and either the bank had rejected the >>>> complaint or the complainant >>>> had not received any reply within a period of one month after the bank >>>> concerned received >>>> his representation or the complainant is not satisfied with the reply >>>> given to him by the bank; >>>> (b) the complaint is made not later than one year after the cause of >>>> action has arisen as per >>>> Clause (a) above; >>>> (c) the complaint is not in respect of the same subject matter which >>>> was settled through the >>>> office of the banking ombudsman in any previous proceedings; >>>> (d) the complaint does not pertain to the same subject matter, for >>>> which any proceedings >>>> before any court, tribunal or arbitrator or any other forum is pending >>>> or a decree or award >>>> or a final order has already been passed by any such competent court, >>>> tribunal, arbitrator or >>>> forum; >>>> (e) the complaint is not frivolous or vexatious in nature; >>>> >>>> (f) It is made before the expiry of the period of limitation >>>> prescribed under the Indian Limitation Act 1963 for such claims. >>>> 28.4 POWER TO CALL FOR INFORMATION >>>> 1. The banking ombudsman may require the bank named in the complaint >>>> or any other related bank to >>>> provide any information or furnish certified copies of any document >>>> relating to the subject matter >>>> of the complaint that is or is alleged to be in the possession of such >>>> bank. In the event of the failure >>>> of a bank to comply the requisition without any sufficient cause, the >>>> banking ombudsman may >>>> draw the inference that the information, if provided or copies if >>>> furnished, would be unfavourable >>>> to such bank. >>>> 2. The banking ombudsman shall not disclose any information or >>>> document to any person except >>>> with the consent of the person furnishing such information or >>>> document. However, the banking >>>> ombudsman may disclose information or document furnished by a party in >>>> complaint to the opposite >>>> side of the complaint, to the extent considered by him to be >>>> reasonably required to comply with the >>>> principles of natural justice and fair play in the proceedings. >>>> >>>> Assistant Manager >>>> UCO BANK >>>> Delhi >>>> Email: >>>> [email protected] >>>> face book ID: >>>> [email protected] >>>> Mob: >>>> 08882289259 >>>> >>>> >>>> Search for old postings at: >>>> http://www.mail-archive.com/[email protected]/ >>>> >>>> To unsubscribe send a message to >>>> [email protected] >>>> with the subject unsubscribe. >>>> >>>> To change your subscription to digest mode or make any other changes, >>>> please visit the list home page at >>>> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in >>>> >>> >>> >>> >>> Search for old postings at: >>> http://www.mail-archive.com/[email protected]/ >>> >>> To unsubscribe send a message to >>> [email protected] >>> with the subject unsubscribe. >>> >>> To change your subscription to digest mode or make any other changes, >>> please >>> visit the list home page at >>> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in >>> >>> > > > > Search for old postings at: > http://www.mail-archive.com/[email protected]/ > > To unsubscribe send a message to > [email protected] > with the subject unsubscribe. > > To change your subscription to digest mode or make any other changes, please > visit the list home page at > http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in > > -- G. Vamshi Mobile: +91 9949349497 Skype: gvamshi81 www.retinaindia.org >From darkness unto light Search for old postings at: http://www.mail-archive.com/[email protected]/ To unsubscribe send a message to [email protected] with the subject unsubscribe. To change your subscription to digest mode or make any other changes, please visit the list home page at http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in
