Well this is regarding a small win i had with Banking Ombudsman a body deployed by RBI to attend and mediate the harassment and related issues faced by customers from banks.The Office of Banking Ombudsman has considerable powers http://www.bankingombudsman.rbi.org.in/
The Banking Ombudsman (BO)Office is housed in the RBI building at Sansad Marg. The case was that in 2006 i had made a final settlement of my credit card payment with ICICI bank to their agents and got a full and final settlement receipt from them. After 4 years, last September i found my saving bank account in the same bank impacted by some Lein charges notified to me by regular post hardcopy mail. The bank had charged my savings account to claim Rs 8000 against their self proclaimed dues against the surrendered credit card without any prior notification or my approval.. I immediately wrote to the branch manager of the GK branch with the scanned copy of the receipt. For first few times he did not acknowledge my mail giving some excuse or the other finally when he did that he asked me to reach his debt department, he even in undertones tried to warn me that i should not be aggressive giving me some lame excuse. After first few calls he stopped answering my phone and the person in debt department did the same. This was a very frustrating experience. I reached out to a friend who is well versed with registering complaints regarding consumers and he told me about Banking Ombudsman.
Mid November after 1.5 months of following up with the bank i reached BO office through a mail putting my case and scanned copy of my documents. They laised with bank and i received a response from Bank in Feburary through the BO office which i contested. The bank was again quoting their rule book completely glossing over the receipt and the gap in their communication with their collection agency. I charged them with cheating me of the trust i had in putting my money in their saving account and they impacting it to recover funds they deem fit without my approval. The BO office called for a face to face meeting at the RBI office. I went there to present my case with all original receipts.
Guess what before i could enter the BO room the ICICI representative a 55 - 60 yrs old gentleman reached me in the reception area and told me that he was sorry and that they were losing a lot of customers because of the credit card department and that we should settle the case outside without the presence of the BO. He asked me what i wanted i informed him i wanted my money credited back and my account closed with ICICI for good. He gave it to me in written to remit my money back within 4 days and helping me close the account. The written agreement was shown to the BO and i was told that in case the bank does not comply i should reach back to the BO office again. The concerned debt officer was also present and the only answer she had for BO was that she receives 200 calls a day and she cannot attend all unmindful of the 5 months and botheration the customer went through.
I am wondering how many of us keep receipts that long and how many of the customers the bank must be cheating. Not many people bother to reach BO office or really know that one exists. In the meanwhile the bank simply meets its accounts by hook or by crook.
Wednesday, March 10, 2010
Sunday, March 7, 2010
Good learning experiences in the last three weeks
Hi !
Well starting 3rd week of Feb till the first week of March i have taken two trainings. The first one the Landmark Forum an exhaustive 3.5 full day workshop gifted by my dear sister and the second one a two day workshop on Stephen R Covey's book " 7 Habits of Highly effective people" which i opted for with IBM learning.
Landmark Forum provided insights into unleashing the potential each one of us have in us to be able to accomplish ANYTHING we dream by showing ways to remove the self constructed mental obstructions which hinder us from experiencing and expressing Life and relationships to the fullest. Further they hold us all with ONE binding value that is INTEGRITY. We all suffer because we compromise on our integrity to ourselves in some way or the other, the emphasis to live in the Present, to examine incidents separate from ones own interpretation of it, the world we create by our word and the value of living our word. Any change that takes place takes place in a moment and that moment is ALWAYS NOW. The moment we truly resolve to do it and live to the commitment of our spoken word. Very experiential training not aimed at adding on or changing oneself but aiming to transform ones self through awareness of how one is right now, take responsibility of ones words and actions. Also this enables one study the behavior of others why they behave the way they do.
The second training on " 7 Habits.." well this one identifies the 7 steps put character as the foundation of all. Character which is hidden forms 80% of the whole being only 20% is visible as personality to others as a tip of the iceberg. Identifies personal trustworthiness which radiates from center of self to the periphery and affects ones interpersonal managerial and organizational performance. It basis relationships at the heart of our success.Living to the Principles one sets for oneself is the basic edifice on which all the rest is built. the significance of emotional bank account and the Maturity continuum in relationships.
Both the trainings pointed to the same things in different ways - all blocks are in our own thinking and we create our own perception and realities and then go and live it. Integrity and character form the heart of EVERYTHING, if that is in place all will fall in place sooner or later and one can achieve anything. The reason for all misery is our own compromise on these. We all are responsible for our own state whatever good, bad, ugly and we all have the potential to make our lives a MASTERPIECE only if learn to be true to ourselves, live our own principles to the letter and keep watching ourselves every moment all the time as we create possibilities every moment, all the time and the moment is now.
Its wonderful to visit ones self once in a while - checkout and dust the cobwebs :)
Well starting 3rd week of Feb till the first week of March i have taken two trainings. The first one the Landmark Forum an exhaustive 3.5 full day workshop gifted by my dear sister and the second one a two day workshop on Stephen R Covey's book " 7 Habits of Highly effective people" which i opted for with IBM learning.
Landmark Forum provided insights into unleashing the potential each one of us have in us to be able to accomplish ANYTHING we dream by showing ways to remove the self constructed mental obstructions which hinder us from experiencing and expressing Life and relationships to the fullest. Further they hold us all with ONE binding value that is INTEGRITY. We all suffer because we compromise on our integrity to ourselves in some way or the other, the emphasis to live in the Present, to examine incidents separate from ones own interpretation of it, the world we create by our word and the value of living our word. Any change that takes place takes place in a moment and that moment is ALWAYS NOW. The moment we truly resolve to do it and live to the commitment of our spoken word. Very experiential training not aimed at adding on or changing oneself but aiming to transform ones self through awareness of how one is right now, take responsibility of ones words and actions. Also this enables one study the behavior of others why they behave the way they do.
The second training on " 7 Habits.." well this one identifies the 7 steps put character as the foundation of all. Character which is hidden forms 80% of the whole being only 20% is visible as personality to others as a tip of the iceberg. Identifies personal trustworthiness which radiates from center of self to the periphery and affects ones interpersonal managerial and organizational performance. It basis relationships at the heart of our success.Living to the Principles one sets for oneself is the basic edifice on which all the rest is built. the significance of emotional bank account and the Maturity continuum in relationships.
Both the trainings pointed to the same things in different ways - all blocks are in our own thinking and we create our own perception and realities and then go and live it. Integrity and character form the heart of EVERYTHING, if that is in place all will fall in place sooner or later and one can achieve anything. The reason for all misery is our own compromise on these. We all are responsible for our own state whatever good, bad, ugly and we all have the potential to make our lives a MASTERPIECE only if learn to be true to ourselves, live our own principles to the letter and keep watching ourselves every moment all the time as we create possibilities every moment, all the time and the moment is now.
Its wonderful to visit ones self once in a while - checkout and dust the cobwebs :)
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