[AI] Difficulties in Banking

BHAWANI SHANKAR VERMA bsvermadurg at gmail.com
Wed May 26 10:38:30 EDT 2010


yes, nobody has right to defame the entire organisation,  as one or two 
cases are not in a favour of blind customer.
----- Original Message ----- 
From: "Subramani L" <lsubramani at deccanherald.co.in>
To: <accessindia at accessindia.org.in>
Sent: Wednesday, May 26, 2010 4:04 PM
Subject: Re: [AI] Difficulties in Banking


> Dear Kamal:
>
> Let us not argue for the sake of it. I am sure you know that there is a
> website that has a list of defaulters who have defaulted over one crore
> and above. The shame is, banks have lent to these people more on the
> basis of their social standing than their actual credit worthiness. Just
> because a few of them have defaulted, do you stop lending to people?
> When you refer to some blind person who knowingly defaulted the bank,
> banks cannot conclude all v I's asking for our rights are either
> ignoramus fools or conniving thieves who do not deserve the right to
> access a service available to all. For that matter, what about the
> credit card fraudsters who change names and addresses and cheat on
> Banks? Do you stop giving credit cards on this basis? On the contrary I
> get numerous calls from tele oprtors to take one credit card or the
> other.
>
>
> Subramani
>
>
>
> -----Original Message-----
> From: accessindia-bounces at accessindia.org.in
> [mailto:accessindia-bounces at accessindia.org.in] On Behalf Of Kamal Verma
> Sent: Wednesday, May 26, 2010 10:46 AM
> To: accessindia at accessindia.org.in
> Subject: Re: [AI] Difficulties in Banking
>
> The same was to be happend in case of Rajkumar Sahu in Bank of India
> regarding his overdraft account. After my interference it could resolved
>
> with great difficulty.
>
> Kamal Verma
> ----- Original Message ----- 
> From: "BHAWANI SHANKAR VERMA" <bsvermadurg at gmail.com>
> To: <accessindia at accessindia.org.in>
> Sent: Tuesday, May 25, 2010 6:09 PM
> Subject: Re: [AI] Difficulties in Banking
>
>
>> yes! this is a matter, if that anybody did a fraud with that blind
> person,
>> cheated him, then. my four or five colleagues will loose their job, if
>
>> that blind person stand before the court. who issued ATM card? the
>> employee who entered his card details on issue register, the employee
>> entered his details on CBS system. who will come to convince the court
>
>> that entire risk goes to that blind person?
>>
>> ----- Original Message ----- 
>> From: "AMEEN" <ameen.ettattu at gmail.com>
>> To: <accessindia at 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" <bsvermadurg at gmail.com>
>>> To: "B. R. Nautial" <brnautial at gmail.com>; "access india"
>>> <accessindia at 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" <brnautial at gmail.com>
>>>> To: <accessindia at 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" <kamalverma at pnb.co.in>
>>>>> To: <accessindia at 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" <rajeshasudani at rbi.org.in>
>>>>>> To: <accessindia at 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-bounces at accessindia.org.in
>>>>>>> [mailto:accessindia-bounces at accessindia.org.in] On Behalf Of
> Kamal
>>>>>>> Verma
>>>>>>> Sent: Monday, May 24, 2010 4:51 PM
>>>>>>> To: accessindia at 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" <maheshspanicker at gmail.com>
>>>>>>> To: <accessindia at 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 <kamalverma at 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"
>>>>>>>>> <maheshspanicker at gmail.com>
>>>>>>>>> To: <accessindia at 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 <bsvermadurg at 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.cherian at inclusiveplanet.com>
>>>>>>>>> > > To: <accessindia at 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
>>>>>>>>> > > <srinivasu at 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 <dineshshukla2815 at 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-request at 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
>>>>>>>>> > > > > Website: http://www.srinivasu.org
>>>>>>>>> > > > > Follow me on Twitter: http://twitter.com/sriniworld/
>>>>>>>>> > > > >
>>>>>>>>> > > > >
>>>>>>>>> > > > >
>>>>>>>>> > > > > To unsubscribe send a message to
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>>>>>>>>> > > > >
>>>>>>>>> > >
>>>>>>>>>
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> n
>>>>>>>>> > > > >
>>>>>>>>> > > > >
>>>>>>>>> > > >
>>>>>>>>> > > >
>>>>>>>>> > > > To unsubscribe send a message to
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>>>>>>>>> > > unsubscribe.
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>>>>>>>>>
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>>>>>>>>> > > >
>>>>>>>>> > >
>>>>>>>>> > >
>>>>>>>>> > >
>>>>>>>>> > >
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>>>>>>>>> > >
>>>>>>>>> > >
>>>>>>>>> >
>>>>>>>>> >
>>>>>>>>> > --
>>>>>>>>> > Mahesh S. Panicker
>>>>>>>>> > C123;
>>>>>>>>> > Dayanand Colony;
>>>>>>>>> > Lajpat Nagar4;
>>>>>>>>> >
>>>>>>>>> > New delhi india.
>>>>>>>>> >
>>>>>>>>> >
>>>>>>>>> >
>>>>>>>>> > To unsubscribe send a message to
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>>>>>>>>>
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>>>>>>>>> >
>>>>>>>>> >
>>>>>>>>>
>>>>>>>>>
>>>>>>>>>
>>>>>>>>> DISCLAIMER:
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>>>>>>>>>
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>>>>>>>>
>>>>>>>>
>>>>>>>> --
>>>>>>>> Mahesh S. Panicker
>>>>>>>> C123;
>>>>>>>> Dayanand Colony;
>>>>>>>> Lajpat Nagar4;
>>>>>>>>
>>>>>>>> New delhi india.
>>>>>>>>
>>>>>>>>
>>>>>>>>
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