Hi,
I have also faced problem created by Canara Bank. As I am a pensioner, so on 13 Jan 2009, I went to this bank to enquire about my pension arrears payment received vide my corrg PPO. Then, the associate of Bank informed me that they are not going to give you any arrears as they have no staff for pension table and also day by day pensioners are increasing so they are unable to provide pensions. Now pension work has been centralised and change your pension account in Punjab National Bank or others.
Then, I approached to asst manager to solve my problem. He told me that I should meet with Branch Manager about this. Then I visited to Branch Manager, he mischief me by saying that I should meet to asst manager about it. At last I have to raised my voice by saying that if bank is unable to provide service, close this Bank. Why are you harashing people for their own money and are you not aware that people have given you job, not the bank. Then manager asked me to wait for 05 minutes. I waited for 05 minutes and then Manger came in his cabin and asked me to meet. I met with Manager and he has taken a certificate that I should change my pension account within six months from canara bank. Then I asked manager to give me receipt of my certificate taken by manager. He told me to take xerox copy of it. And xerox copy was taken by me but it is not having any proof.
Is bank can ask any one to change bank account, once I am drawing pension for last 2 years in this bank?
However, I have been paid my arrears after one week. But I want to know that where is the communication skill which is being judged during the interview for higher posts like; Asst Manager/Manager. I think interviews parameters are made only for rejection of right candidate.
Thanks
Suresh Pal
On Sat, 24 Jan 2009 xavier prabhu wrote :
>Dear all,
>
>this is a fairly widespread issue which is not confined to sectors.
>
>here are a few have faced:
>
>- few years back without dispensing cash at its atm in richmond road was
>still debited the same from my account by citibank and they refused to
>accept any complaint as I did not have a receipt which needs to come from
>the same machine which had the issue
>- citibank once deducted excess amount from my account for loan emi even
>after the loan closure and had to fight to get that back with visits and
>mails and faxes
>- ICICI charges for internet banking password whether you receive the
>courier or not the moment you make the request; this year have paid 4 times
>despite not even once using it and now am fighting to have the bank credit
>it back; have no choice as it is mandatory for tax filing
>- Airtel has the worst call drop rates across Bangalore and have had
>hundreds of calls dropped right in the heart of Bangalore but still get
>billed for it
>- For my credit card payment will drop it in boxes provided by the bank but
>will still get billed late payment fee and interest many a time simply
>because the bank says they have not received it; by the way no bank provides
>a receipt for dropping it in the box and you are at their mercy (citibank,
>standard & chartered, american express), so it is not just one player
>- Had once couriered flight boarding passes that too overseas to Kingfisher
>center, it is a po box, I get no receipt and they said they could not do
>anything and post six months they said it is too late
>- Had miles in my air sahara account which could not access nor redeem, they
>got acquired by jet and asked jet to move it to my jet privilege account;
>simple answer - they had expired and they cannot do anything; that did not
>have any means or communication is on deaf ears
>
>it is a long list. and across sectors. particularly large companies.
>
>regards,
>
>xavier
>
>
>
>
>
>
>On 1/24/09, Raghavachari Desikan <raghavachari.
> >
> > Dear mr Srinivasan,
> >
> > This is not the first time such a response is generated by the banks. It
> > will not also be the last time such things happen. We have jumped into high
> > tech banking operations without putting in place answers to all glitches. It
> > is sad but true, we always put the cart before the bullocks. This happens in
> > every sphere of activity. And also, we learn to break the rule set forth by
> > regulators. Many RBI rules and instructions, I am told are not followed.
> > What RBI does to audit the banking institutions, including all branches is
> > not done.
> >
> > In the olden days even kings used to go in disguise to see if the system of
> > Governance worked. I am not suggesting that RBI officials disguise
> > themselves, and check. From the desk of senior officials, they can use an
> > instrument called PHONE, call a bank and check how effectively and
> > efficiently the Bank officials work.
> >
> > In the seminar we conducted on banking we opened the seminar with a live
> > recording of of how a customer is asked to press 1, 2, 3, 4 and again 1,or2
> > etc for a few minutes. These days when the cost of a call is based on the
> > seconds used, are the RBI, banks and others colluding with each other to
> > squeeze rupees out of consumers by lengthening phone calls. I fail to
> > understand.What is the use of a regulator, if impotent?
> > What is the use of a customer relations officer if he cannot speak honestly
> > to a consumer? In India we like to be personal, we like to talk to a living
> > voice on the other side of a telephone but not a cold, indifferent voice in
> > bad English or un-understandable Hindi.
> >
> > I would suggest that all you members of this group, write to as many
> > officials, including banking Minister, Secretary Finance, RBI governor and
> > his several deputies, the chairman of all banks.
> >
> > I am sure Srinivasan will be able to create an exhaustive list of bank
> > officials and allow you to use it.
> >
> > The only thing that seem to have effect in this country now is MASS
> > CONDEMNATION through every source of communication.
> > For your information we at Consumers Association of India (CAI) do attend
> > to all the complaints
> > Regards and all the best.
> > Raghavachari DEsikan
> > Founder
> > Consumers Association of India
> >
> >
> >
> > 2009/1/23 Prime Point Srinivasan <prpoint@gmail.
> >
> >> Private sector Banks promises sky. When a problem comes, they are
> >> unable handle the issue smoothly.
> >>
> >> A Chennai based journalist friend of mine Mr Judy (see his mail below)
> >> gets the salary through Kotak Mahendra Bank. Kotak Mahendra Bank
> >> permits their ATM card users to use other ATM Machines. He wanted to
> >> withdraw money from his account on 9th Jan 2009 and went to HDFC ATM
> >> machine. After inserting his ATM card, he wanted to withdraw
> >> 14,000/-. He got the slip debiting his account. But the cash did not
> >> come out.
> >>
> >> Immediatley, he lodged a complaint with Kotak Mahendra Bank, his
> >> banker. They had told him that it would take 45 days.
> >>
> >> When Judy telephoned to me this morning that even after 15 days, there
> >> is no response from Kotak Mahendra Bank, I accompanied him to the Bank
> >> to find out the problem. . The desk Manager is helpless. He could
> >> not give any convincing answer. They lack experience.
> >>
> >> Normally, as a matter of rules, all the Banks are required to display
> >> a notice board prominently furnishing the names of senior officers
> >> with whom, you can appeal for redressal of grievances. Since, I could
> >> not see any notice board there prominenty, I asked the Officer to show
> >> me the board.
> >>
> >> The board at their T.Nagar Chennai branch was displayed 10 feet from
> >> the ground, so that none could see the board. Also, the fonts were
> >> very small, one cannot read that. Mr Judy climed up and got the phone
> >> number of one Nodal Officer by name Milind Wagle (Mumbai) with his
> >> mobile number 9819466365. We spoke to him over mobile to know why
> >> there was a huge delay in settling the issue. He could not give
> >> proper answer. He was only telling that Judy was using HDFC ATM
> >> Machine, as if it was crime. We told him that only Kotak Mahendra
> >> Bank had been promotimng that customers could use other ATMs also. He
> >> was going on telling us "please understand our position". I was
> >> surprised, why a customer with a genuine grievance should understand
> >> their position, instea of the Bank understanding the problem of the
> >> customers.
> >>
> >> Normally, in any public sector banks, you can get the contact details
> >> of even the highest official like Chairman. When we asked them, who
> >> were the next higher authorities, they were unwilling to give any
> >> contact details.
> >>
> >> Though these banks like Kotak, HDFC and others promise sky and moon,
> >> when the customer gets into difficulties, they are unable to handle
> >> them well.
> >>
> >> On enquiry with other Public Sector Banks, we learnt that they were
> >> able to settle such claims within four or five days. Even if there is
> >> some problem, a customer can go up to the Chairman level by getting
> >> the details from the branch or from website.
> >>
> >> Now, after the introduction of NEFT (National Electronic Funds
> >> transfer) system by all the Indian Banks, one need not restrict to one
> >> bank for salary purposes. Your account can be credited to any Bank
> >> within India within few minutes.
> >>
> >> I am endorsing a copy of this mail to Kotak Nodal Officer. If they
> >> give any response, we will share in the group. I am endorsing copy
> >> of this mail to Ms Usha Thorat, Deputy Governor of Reserve Bank of
> >> India who is handling customer grievances for the entire country.
> >> (Members may recall that we had even published her speech in our
> >> podcast)
> >>
> >> Please read the mail sent by Judy to me. (given below)
> >>
> >> srinivasan
> >> Prime Point
> >> 94440 50273
> >>
> >> ---------- Forwarded message ----------
> >> From: judy franko <judyfranko@gmail.
> >> Date: Fri, Jan 23, 2009 at 6:24 PM
> >> Subject: Customer un-friendly Kotak mahendra Bank and HDFC Bank
> >> To: Prime Point Srinivasan <prpoint@gmail.
> >>
> >> The private sector banks often promises world class service and claims
> >> to offer the fastest banking solutions.
> >>
> >> I too believed in this theory until this incident happened to me
> >> couple of weeks ago.
> >> on january 9, 2008, I tried to withdraw Rs 1,40,00 from HDFC ATM on
> >> the Anna Salai by
> >> using my my Kotak Bank ATM card. Since Kotak has had given its
> >> customers the luxury
> >> of using the Kotak ATM card across the HDFC ATM centres with any
> >> additional charge,
> >> I approached the ATM to withdraw money but to my disapointment,
> >>
> >> the ATM machine did not vent out cash. Though the transaction got
> >> processed,
> >> and the money I wanted withdraw got debited from my balance, the ATM did
> >> not
> >> vent out the money instead the money got credited in the bank. When I
> >> apprached the bank saying that and narrated what happend, I was asked
> >> to give them formal complaint in writing which I did and the service
> >> manager at the T. Nagar branch of the bank said that that my case was
> >> not the first one and they had at lease two similar cases in the
> >> recent past and the HDFC bank usually take maximum of 45 days to
> >> solve issues like that. I was wondering like why should 45 days?
> >>
> >> Again I called the service manager after couple of days and he said
> >> that the HDFC
> >> would take would take 13 days to put the cash back to my account.
> >> However, when me and
> >> one of my friends approached the bank esquiring about the money and
> >> when it would be credited, the response from both the service manager
> >> and nodal officer, with whom I spoke over phone, was not positive.
> >> It's sad that that private sector banks which promises a lot fail to
> >> deliver in times of crises.
> >>
> >
> >
> >
 |
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