Big Helpers Community

Big Helpers Community - Blogs http://www.bighelpers.org/forum/blogs/ Community Social help to Indian Netizens en Fri, 03 Sep 2010 16:29:37 GMT vBulletin 60 http://www.bighelpers.org/forum/images/misc/rss.jpg Big Helpers Community - Blogs http://www.bighelpers.org/forum/blogs/ Hotel Licence http://www.bighelpers.org/forum/blogs/anand40/66-hotel-licence.html Thu, 31 Dec 2009 05:18:09 GMT Sir i want to know after the death of partner or Owner of land .The license of hotel will transfer to the partner or to the legal heir Sir i want to know after the death of partner or Owner of land .The license of hotel will transfer to the partner or to the legal heir ]]> anand40 http://www.bighelpers.org/forum/blogs/anand40/66-hotel-licence.html someone took mobile connection in my name? http://www.bighelpers.org/forum/blogs/kushal/46-someone-took-mobile-connection-my-name.html Sat, 05 Sep 2009 03:17:06 GMT I happened to meet one of the senior officer from Enforcement Directorate and raised the question as to how to prevent misuse of identity cards. ... I happened to meet one of the senior officer from Enforcement Directorate and raised the question as to how to prevent misuse of identity cards.

He suggested me following:

Always cross the photocopy of our xerox copy of the identity proof you give to Bank, Mobile company e.t.c. and write over it as 'GIVEN FOR BANK........FOR IDENTITY VERIFICATION ON THIS DATE........'

Make lot of sense. ]]> kushal http://www.bighelpers.org/forum/blogs/kushal/46-someone-took-mobile-connection-my-name.html Muthoot Finance: Do not believe in 5 minute loan approval media gimmick of Muthoot personal Loan http://www.bighelpers.org/forum/blogs/kushal/37-muthoot-finance-do-not-believe-5-minute-loan-approval-media-gimmick-muthoot-personal-loan.html Sat, 01 Aug 2009 17:15:54 GMT To check up the lovely advertisement i heard over Radio about getting loan in 5 minutes, and reading this thread... To check up the lovely advertisement i heard over Radio about getting loan in 5 minutes, and reading this thread, I gave a try by writing an email enquiring about personal loan. After one full day of non response I called up in their toll number which operates from 9 AM to 7 PM. True to being professional, exactly the call center opened up at 9 AM and took my call.

The help desk which was not at Delhi asked me the details and informed me that the nearest branch would call me up within next 24 hours.

I got a call after 6 hours, and on asking about personal loan, they informed me to read the brochure they would dispatch via courier. Waited for another 24 hours, and called up the help desk.

They lodged the complaint and informed that the local Muthoot center was wrong in sending brochure and they should have told the scheme over phone. Told me to wait for another 24 hours.

Next day I got a call from the local delhi center at Cannaught place and the lady was sounding very angry as to why I complained. When I insisted upon telling me the schemes, she told you need to give some more time for courier to come.

On further insistence, the lady told me that they only have one scheme running that is loan against the gold, and that I must read the brochure and then call up again.

You need to gather about them, from the experience I had with them. Till today I had not received any courier. Wonder what does 'approval in 5 minutes' mean when the pre-processing help is of this standard.

http://muthootfinance.com/ ]]> kushal http://www.bighelpers.org/forum/blogs/kushal/37-muthoot-finance-do-not-believe-5-minute-loan-approval-media-gimmick-muthoot-personal-loan.html What to do in case of Credit Card Misuse? http://www.bighelpers.org/forum/blogs/kushal/31-what-do-case-credit-card-misuse.html Wed, 06 May 2009 02:15:47 GMT Activate the SMS service for card and acted very promptly within 2-3 days of transaction. All users should learn from this. A stitch in time saves... Activate the SMS service for card and acted very promptly within 2-3 days of transaction. All users should learn from this. A stitch in time saves nine.

Here are the suggestions

1. You must first of all write to them physically about misuse of the credit card.
2. Ask for the complete details of the card transactions, item purchased and the details of the IP address from where the internet transaction has occurred.
3. For the safety purpose, block your credit card straight way and ask them to issue another Card.
4. Keep record of the credit card transaction always handy.

Do read the complete knowledge base article on credit card frauds here:
http://www.bighelpers.org/forum/bank...rd-frauds.html

Also given by K Shah in this post:

give a call to call center - explain the case and say, you are filing a dispute for this. note the time, date and person with whom you talked. Take the complaint number.
with complaint detail, number etc., write a letter to Credit Card Provider. If possible visit them personally and get an acknowledged copy back for you. If they don't give you acknowledgement, send via registered post.
Mention in your conversation and complaint letter - You are ready to co operate in case of police complaint. (I feel its a fraud with Credit card provider as you have filed a dispute within reasonable time, the Bank shall take a decision about police complaint)
Block the card.
As it is internet transaction, you will not be having much of documentation but keep credit card bill etc, SMS and any other information if you have for future reference.
Keep record of all communication you receive from Credit Card Provider (via phone, mail or person)

Wait for a week and send a reminder to Credit Card Provider about this. ]]> kushal http://www.bighelpers.org/forum/blogs/kushal/31-what-do-case-credit-card-misuse.html Income tax problem- it ombudsman http://www.bighelpers.org/forum/blogs/jps50/30-income-tax-problem-ombudsman.html Wed, 25 Mar 2009 10:43:28 GMT Income Tax dept has introduced scheme of INCOME TAX OMBUDSMAN for helping the tax payers since 2006. In addition to refunds, it deals with other... Income Tax dept has introduced scheme of INCOME TAX OMBUDSMAN for helping the tax payers since 2006. In addition to refunds, it deals with other related matters for individual assessees. The scheme is available at http://www.incometaxindia.gov.in/arc...6_08122006.pdf ]]> jps50 http://www.bighelpers.org/forum/blogs/jps50/30-income-tax-problem-ombudsman.html GOVT ASSISTED NGOs FOR CONSUMER PROTECTION http://www.bighelpers.org/forum/blogs/jps50/29-govt-assisted-ngos-consumer-protection.html Sat, 07 Mar 2009 14:22:24 GMT LIST OF GOVT ASSISTED OR FUNDED NGOs IS AVAILABLE AT www.cccindia.net/fm.asp (http://www.cccindia.net/fm.asp). CONSUMERS CAN SEEK THEIR ASSISTANCE... LIST OF GOVT ASSISTED OR FUNDED NGOs IS AVAILABLE AT www.cccindia.net/fm.asp.
CONSUMERS CAN SEEK THEIR ASSISTANCE IN SOLVING CONSUMER RELATED PROBLEMS ]]> jps50 http://www.bighelpers.org/forum/blogs/jps50/29-govt-assisted-ngos-consumer-protection.html Banking ombudsman scheme updated till feb 09 http://www.bighelpers.org/forum/blogs/jps50/28-banking-ombudsman-scheme-updated-till-feb-09.html Fri, 27 Feb 2009 09:43:49 GMT USEFUL WEBSITE [URL]

Pl visit http://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=159 for revised and updated scheme up to Feb 2009

http://www.rbi.org.in/scripts/AboutUsDisplay.aspx?pg=BankingOmbudsmen.htm for state-wise addresses of banking ombudsman
]]> jps50 http://www.bighelpers.org/forum/blogs/jps50/28-banking-ombudsman-scheme-updated-till-feb-09.html How to manage consumer problem http://www.bighelpers.org/forum/blogs/jps50/27-how-manage-consumer-problem.html Wed, 18 Feb 2009 13:13:09 GMT If you are having problem with goods or services, purchased by you, then you need to initiate following steps: 1. Make oral complaint to the... If you are having problem with goods or services, purchased by you, then you need to initiate following steps:

1. Make oral complaint to the local dealer and customer care contact number of the company, which is available on its website or with the local dealer. Note down name of person, date, time and complaint number.

2. If no satisfactory action is initiated in a week, lodge detailed written complaint with the company, by sending email/complaint with copy to the local dealer. Visit customer care or contact us link on the website of the company for address. In case of telephone, banks, insurance companies, address complaint to Nodal Officer at its H. O.

3. After 15 days, scale-up the complaint to Chairman of the Company with copy to local dealer and claim compensation for mental tension, agony in addition to refund of price of goods or services, with interest and expenses. Give him 15 days time for redressal. Invoke warranty/guarantee in complaint.

4. If the problem continues, write to national and local NGOs who are working for consumer protection and send copies to the Chairman of the company, its local dealer and consumer protection council which works under the District Collector at Collectorate Office.

5. Simultaneously post your complaint at www.corecentre.co.in or contact toll free No. 1800-11-4000 from bsnl/mtnl land line

6. If problem pertains to central govt department or public section undertaking, lodge complaint at www.pgportal.gov.in. If problem is pertaining to share or securities, email complaint to SEBI and NSE by visiting their websites.

7. Keep date-wise record of visit of technician or oral discussion with the dealer or customer care executive of service provider. In case if any paper is required to be signed by company representative, obtain a photocopy of the same, before signing.

8. If the problem still continues, you should file complaint with Ombudsman where-ever Ombudsman Scheme [banking, insurance, electricity etc] exists. For details visit websites of RBI, IRDA etc. This is fast, cost effective system.

9. If nothing works for a month, lodge a complaint with District Consumer Forum for claims upto Rs.20 lakhs. Claim amount as per notice stated in para 3 above. You can yourself plead your case if amount is not substantial, otherwise it is advisable to have services of an advocate practicing in consumer protection. In Consumer Forum fees are nominal, procedure is simple and comparatively fast.

10. If the supplier of goods or service provider is a govt. department or undertaking, follow-up your complaint with The Right to Information Act 2005. For this, visit my article “Any thing pending with Govt?” posted in RTI label at my blog www.jps50.blogspot.com and at jps50 blog at www.rtiindia.org

11.. Following are websites which are useful for consumer protection:

01. www.fcamin.nic.in 02. www.corecentre.co.in 03. www.ncdrc.nic.in 04. www.consumerhelpline.in 05. www.cgsiindia.org 06. www.consumeronline.org
07. www.icrpc.org 08. www.consumer-voice.org
09. www.cai-india.org 10. www.cercindia.org
11. www.cccindia.net 12. www.ngpnet.org
13. www.core.nic.in 14. www.watchoutinvestor.com
15. www.consumercom.nic.in 16. www.pgportal.gov.in
17. www.bankingombudsman-rbi.org.in
18. www.confonet.nic.in 19. www.cag.org.in
20. www.investorhelpline.in 21. www.iepf.gov.in
22. www.sebi.gov.in 23. www.nse-india.com

LET US CHANGE THE WAY CONSUMERS ARE TREATED IN INDIA. PERSISTENCE PAYS. KEEP ON KEEPING ON. YOUR ONE HOUR PER WEEK FOR CONSUMER PRTOTECTION WILL MAKE A HUGE DIFFERENCE IN LONG RUN. GOOD LUCK.
_________________________________________________ ]]> jps50 http://www.bighelpers.org/forum/blogs/jps50/27-how-manage-consumer-problem.html Income tax refund-faq http://www.bighelpers.org/forum/blogs/jps50/26-income-tax-refund-faq.html Mon, 16 Feb 2009 10:09:51 GMT *www.tin-nsdl.com (http://www.tin-nsdl.com/) 15022009* *FAQ (http://incometaxindiapr.gov.in/incometaxindiacr/faq.jsp) » Refunds* _Q1 From... www.tin-nsdl.com 15022009

FAQ » Refunds

Q1 From which date the refund banker has been implemented?
A1 The refund banker has been implemented from January 24 2007.[Source : NSDL]
Q2 In which cities the refund banker has been implemented initially?
A2 The refund banker facility is initially operational for taxpayers assessed in specific charges in Delhi Patna Bangalore Chennai Mumbai and Kolkata.[Source : NSDL]
Q3 Are all the taxpayers in the cities where initially refund banker has been implemented being covered under refund banker scheme?
A3 Yes. All taxpayers (excluding corporate and exemption charge) of the six cities i.e. Delhi Patna Bangalore Chennai Mumbai and Kolkata are covered under the scheme.[Source : NSDL]
Q4 Who will send the refund to me?
A4 The State Bank of India (SBI) is the refund banker to the Income Tax Department (ITD). The Cash Management Product department of SBI (CMP SBI) processes the refunds under the refund banker scheme. Details of refunds are forwarded to CMP SBI by the ITD. CMP SBI processes the refunds and sends the refund intimation to the taxpayer.[Source : NSDL]
Q5 How will the refund be sent to me?
A5 There are two modes of refund; i.e. ECS and paper. If the taxpayer has selected mode of refund as ECS (direct credit in the bank account of the taxpayer) at the time of submission of income return and provided the correct account number along with the MICR code the refund will be effected through ECS by CMP SBI. A physical advice of refund credited will also be sent to the taxpayer by post. From May 2008 refund is also effected by National Electronic Fund Transfer (NEFT).

For taxpayers who have not opted for ECS refund will be disbursed by cheque or demand draft. The refund instrument will be dispatched by speed post by CMP SBI at the postal address mentioned in the income return.[Source : NSDL]
Q6 How can I know the status of my refund?
A6 The taxpayer can track the status of its refund from the NSDL-TIN website www.tin-nsdl.com by clicking on “Status of Tax Refunds.

Refund status can be tracked by entering the PAN and Assessment Year for which refund is to be tracked.

Status of the refund can also be tracked by contacting the help desk of SBI at 080-26599760. [Source : NSDL]
Q7 If I have shifted my residence whom should I contact for updating my correspondence address for receipt of refund?
A7 The tax payer should contact its Assessing Officer and inform about the change in the correspondence address.[Source : NSDL]
Q8 If my bank account has been closed how will I get refund credit into the account?
A8 In case of change or updation in the bank account number the taxpayer should provide the correct account number along with the MICR code where credit is to be effected to the Assessing Officer.[Source : NSDL]
Q9 I have received the physical ECS refund advice but my account has not been credited. Whom do I contact?
A9 In case credit is not effected in the taxpayer account through ECS but the refund advice has been received by the taxpayer the tax payer should contact the Assessing Officer and provide the correct account number and MICR code where credit is to be effected. The Assessing Officer will inform SBI to send a fresh refund cheque to the taxpayer.[Source : NSDL]
Q10 If the date of encashing the refund cheque expires whom should I contact?
A10 The tax payer should contact their Assessing Officer as well as CMP SBI at the below address:
Cash Management Product (CMP)
State Bank of India
SBIFAST
31 Mahal Industrial Estate
Off Mahakali Caves Road
Andheri (East)
Mumbai - 400 093.
Phone Number: +91-22-2687 4800 [Source : NSDL]
Q11 How do I rectify any mistakes in the name assessment year PAN account number printed on the refund cheque delivered to me?
A11 In case of any mistakes on the refund cheque delivered to you the following should be done:

i) Send the original refund cheque to CMP State Bank of India at SBIFAST 31 Mahal Industrial Estate Off Mahakali Caves Road Andheri East Mumbai - 400 093 Phone Number: +91-22-2687 4800 along with a letter informing the mistakes on the refund cheque.

ii) Send a copy of the letter along with a copy of the refund cheque to your Assessing Officer.

iii) Retain a copy of the letter and refund cheque with you. [Source : NSDL]
Q12 If somebody else„s refund cheque / advice is delivered to me what should I do?
A12 You should contact SBI at the following address and return the refund cheque / advice.
Cash Management Product
State Bank of India
SBIFAST,31 Mahal Industrial Estate
Off Mahakali Caves Road, Andheri (East)
Mumbai 400 093
Phone Number: +91-22-2687 4800 [Source : NSDL]
Q13 When will the next phase of refund banker commence and how many cities will be covered in that phase?
A13 The Income Tax Department will inform the same shortly.[Source : NSDL]
Q14 Is there any method available to know whether the refund record has been generated for the taxpayer?
A14 The taxpayer can track the status of its refund from the NSDL-TIN website www.tin-nsdl.com by clicking on “Status of Tax Refunds.

Refund status can be tracked by entering the PAN and Assessment Year for which refund is to be tracked.

Status of the refund can also be tracked by contacting the help desk of SBI at 080-26599760.[Source : NSDL] ]]> jps50 http://www.bighelpers.org/forum/blogs/jps50/26-income-tax-refund-faq.html List of websites for consumer related problems http://www.bighelpers.org/forum/blogs/jps50/25-list-websites-consumer-related-problems.html Tue, 10 Feb 2009 13:48:44 GMT 01. www.fcamin.nic.in (http://www.fcamin.nic.in/) 02. www.corecentre.co.in (http://www.corecentre.co.in/) 03. www.ncdrc.nic.in... 01. www.fcamin.nic.in
02. www.corecentre.co.in
03. www.ncdrc.nic.in
04. www.consumerhelpline.in
05. www.cgsiindia.org
06. www.consumeronline.org
07. www.icrpc.org
08. www.consumer-voice.org
09. www.cai-india.org
10. www.cercindia.org
11. www.cccindia.net
12. www.ngpnet.org
13. www.core.nic.in
14. www.watchoutinvestor.com
15. www.consumercom.nic.in
16. www.pgportal.gov.in
17. www.bankingombudsman-rbi.org.in
18. www.confonet.nic.in
19. www.cag.org.in
20. www.investorhelpline.in
21. www.iepf.gov.in
]]> jps50 http://www.bighelpers.org/forum/blogs/jps50/25-list-websites-consumer-related-problems.html Use of rti in consumer protection http://www.bighelpers.org/forum/blogs/jps50/24-use-right-information-consumer-protection.html Sat, 17 Jan 2009 12:42:20 GMT The Right to Information Act 2005 [RTI] enables a citizen to access information from government depts, offices and organisations. It also allows access to information of private entity through government authority.

To effectively present his case, the aggrieved consumer needs to have information and documents. For example if there are unauthorised or fraudulent debits to your account with a bank, you first should have details of such debits. If insurance claim is rejected, you must know not only reasons but also the process followed to arrive at decision of rejection. In case if your application to a government dept is not being attended, you should know why it is pending and what action has so far been taken. If a road is repaired by municipal corporation and the same gets washed away in first rains, you should be in a position to find out reasons thereof by getting details of contract and material actually used etc. If you get exorbitant electricity bills, you need to get all the details and causes for such bills from records of service provider. Without having necessary and authentic information and papers with you, it would not be possible to effectively exert your right as a consumer.

RTI lays down a cost effective, time bound and simple procedure for extracting information, papers and samples from government authorities. It has confered a right to this effect in Indian citizen and it flows from fundamental rights guaranteed under article 19 of the Constitution of India.

RTI has been successful in reducing corruption to some extent. Any wrong doing by public servants can be exposed with simple application under RTI. Thus the public and consumers of govt services and goods are benefitted. RTI has also alerted government servants to attend citizens' work in prescribed time limit, lest questions will be asked under RTI. RTI has also made government machinery to efficiently discharge their duties, lest citizens will seek and divulge information pertaining to their dereliction of duties. A sense of accountability has been infused in government working through RTI, which has positive effect on users of government services.

Aggrieved consumers should resort to RTI for redressal of their consumer problems. In fact, RTI should precede action under Consumer Protection.

For information about RTI citizens can access www.rti.gov.in, www.cic.gov.in, www.rtiindia.org, www.prajanet.org or my blog at www.jps50.blogspot.com. ]]> jps50 http://www.bighelpers.org/forum/blogs/jps50/24-use-right-information-consumer-protection.html How to address problems with banks? http://www.bighelpers.org/forum/blogs/jps50/23-how-address-problems-banks.html Fri, 16 Jan 2009 05:19:28 GMT If you are having problem with any bank, initiate following steps: 1. Lodge a complaint on phone/mobile with the customer care helpline of the... If you are having problem with any bank, initiate following steps:

1. Lodge a complaint on phone/mobile with the customer care helpline of the bank and note down complaint number, date, time and name of the person who attended your call. Details of contact numbers of customer care can be had from website of the bank.

2. If nothing transpires to your satisfaction, send a detailed written complaint, with copies of papers held by you to the branch of the bank and obtain acknowledgement or send by registered/speed post ad. Simultaneously if possible, send an email by visiting bank’s website. Now most of the banks are having branch wise contact details and email IDs.

3. If no action is initiated or you are not satisfied with the reply, address the complaint to Nodal Officer at Head Office of the bank. Give details of your complaint to customer care and bank branch and their reply or no reply. Contact details are available on bank’s website under customer service/care icon. Send it by registered/speed ad post and also email the same.

4. If you do not get proper reaction within a month from the bank, file a complaint with banking ombudsman of your state by visiting www.bankingombudsman-rbi.org.in. Procedure is simple, cost effective and prompt.

5. You have one year time from date of cause of action to approach banking ombudsman. If you are not satisfied with the decision of banking ombudsman, you can file appeal to Dy. Governor of RBI at its H.O. in Mumbai.

6. If you are still not satisfied, you can resort to Consumer Protection Act. You have maximum two years time from date of cause of action.

7. If you are not having necessary papers, in case of nationalized banks you can simultaneously resort to The Right to Information Act for getting the papers.

8. You need not hire any advocate for approaching nodal officer or banking ombudsman. You can communicate in English, Hindi or regional language. Even for Complaint under Consumer Protection Act there is no need of advocate, but it is advisable if amount involved is substantial.

9. If possible, you can take assistance of a serving or retired officer of the bank for properly drafting the complaint.

10. You can also refer the matter to NGOs working for consumer protection in your area and also www.core.nic.in [central govt helpline]. They also take up the matter with banks on your behalf. You can get details of NGOs by searching on yahoo/google etc.

11. When ever you personally discuss your problem with bank officer, note down his name and designation with date, place and time of discussion. Send an email giving gist of discussion. This is necessary, as the officer cannot retract later on unless he refutes your gist sent by email by return post.

:laughing::laughing:All the best. ]]> jps50 http://www.bighelpers.org/forum/blogs/jps50/23-how-address-problems-banks.html HR Cost in taxation and social services must be fixed by Govt. http://www.bighelpers.org/forum/blogs/sngupta/22-hr-cost-taxation-social-services-must-fixed-govt.html Fri, 17 Oct 2008 06:16:05 GMT this is big question that Govt is sending Rs. one for social welfare and reaching to actual asprant only 5 paise. In taxation also there is no... this is big question that Govt is sending Rs. one for social welfare and reaching to actual asprant only 5 paise. In taxation also there is no control on expenditure. So many taxes are being collected for making payment to tax collection employees. we may discuss. ]]> sngupta http://www.bighelpers.org/forum/blogs/sngupta/22-hr-cost-taxation-social-services-must-fixed-govt.html Hike in interest rates will crash whole finance system. http://www.bighelpers.org/forum/blogs/sngupta/21-hike-interest-rates-will-crash-whole-finance-system.html Fri, 17 Oct 2008 06:07:30 GMT Man, Money and machine is main element of every business and now a days the cost of man is increasing day by day and the opportunity of income is... Man, Money and machine is main element of every business and now a days the cost of man is increasing day by day and the opportunity of income is decreasing day by day. In this situation if such a high rate of interest is being paid to money holders it will definately create crisis in market. May be so many other bank will bankrupt in coming days. In my opinion the interest cost must be maximum 6%. In case we are maintaining 6% we may able to face the cost of idle funds. I am sorry to say here that day by day professionalism is increasing but decisions are not being taken which may tell us professional decision. Please discuss.
]]> sngupta http://www.bighelpers.org/forum/blogs/sngupta/21-hike-interest-rates-will-crash-whole-finance-system.html Govt may stop retrenchment by making retirement age 55 http://www.bighelpers.org/forum/blogs/sngupta/20-govt-may-stop-retrenchment-making-retirement-age-55.html Fri, 17 Oct 2008 05:50:45 GMT We may discuss We may discuss ]]> sngupta http://www.bighelpers.org/forum/blogs/sngupta/20-govt-may-stop-retrenchment-making-retirement-age-55.html Reliance Broadnet: worst broadband service I have come across http://www.bighelpers.org/forum/blogs/kushal/19-reliance-broadnet-worst-broadband-service-i-have-come-across.html Sat, 16 Aug 2008 17:02:23 GMT Continuing my earlier blog about my continued correspondence with Reliance customer care, here is the brief: 1. I took Reliance broadnet on 19th... Continuing my earlier blog about my continued correspondence with Reliance customer care, here is the brief:

I took Reliance broadnet on 19th July 2008 and uptill 16th August 2008, I had paid them Rs 3178/- without making a single call from the phone.
From 3rd August 2008, my connection has been barred due to crossing of credit limit.

This is the email just received today from customer help desk:

Quote:

With reference to your mail regarding "Payment related", we would like to inform you that the payment of Rs.1877.20 is reflecting in our system.

Further to inform you that there is no any due amount in your account.

This is in reply to my earlier email:

Quote:

I called up again in the evening today your support desk who gave me the password over phone today on 16th August 2008. Thank You for all your support and help.
I have further requests:

1. I had paid the earlier bill on due date of Rs. 1848/-
2. My services still not restored which was disconnected 15 days back.
3. Customer help desk informed to pay 1310/- for unbilled amount for restoration. I had paid online the amount of Rs. 1310/-
4. I request you to kindly disconnect and stop my services from immediate effect and I do not want to continue using the reliance services anymore.

Would you care to reply to it?

Regards,

I wonder, when will I get fair dealing from the company....

The earlier blog regarding reliance connection:

]]> kushal http://www.bighelpers.org/forum/blogs/kushal/19-reliance-broadnet-worst-broadband-service-i-have-come-across.html reliance Broadnet: Never User it http://www.bighelpers.org/forum/blogs/kushal/18-reliance-broadnet-never-user.html Sat, 16 Aug 2008 14:55:27 GMT Reliance Broadnet, my personal experience says not to use it. Continuing from my previous experience in the blog where the reliance continued to... Reliance Broadnet, my personal experience says not to use it.

Continuing from my previous experience in the blog where the reliance continued to reply by not resolving my issue, here is the further correspondence.

Not hearing from them I wrote again on 16th August:

Quote:

I had not heard from your team from long and any telephone call asking for update about my issue ends up with another service request number. This time it is 74048285 as on 16th August 2008.
Would you be kind enough to update me about the progress of the complaint.
Regards,

and again after few hours:

Quote:

After some hours I got this reply:

Quote:

My "Online bill registration issue ", the service request ID 74048285 has been resolve and as per resolution you are successfully at kushal@officers.in and password is XXXXXXX.

Some thoughts:

1. From 3rd August 2008, Reliance disconnected my services pending high usage....Why did they not inform that?
2. Even because of mistake of Reliance for not resolving online bill payment issue, why did they not restore the services
3. On 13th August 2008, on due date I made the payment through cheque, but found that my services were not restored.
4. On confirmation found that I again need to pay 1310/- because I had exceeded the limit of my quota.
5. When my monthly plan is 1500/- per month, it means every 15 days my telephone would be barred from usage because of high unbilled usage....

I am waiting for my restoration, so that I disconnect my reliance services.

Really a bad policy and bad service provider....

Will update when I finally get the disconnection.

This blog is in continuity to this one:

http://www.bighelpers.org/forum/blog...-services.html ]]> kushal http://www.bighelpers.org/forum/blogs/kushal/18-reliance-broadnet-never-user.html Reliance Broadnet: the money fleecing Services http://www.bighelpers.org/forum/blogs/kushal/17-reliance-broadnet-money-fleecing-services.html Sat, 16 Aug 2008 14:43:45 GMT I highly recommend every new user of broadband to desist from using reliance broadnet services. I took the reliance broadnet connection which was... I highly recommend every new user of broadband to desist from using reliance broadnet services.

I took the reliance broadnet connection which was started on 19th July 2008 with 1499/- broardband plan which included 7.5 GB of Data transfer per month.

The 1st bill got generated on 23rd July on pro-rata basis and with a usage of 5 days I got a heft bill of 1878/-. Nobody to blame except me for not understanding the pro-rata basis...I used only 2.5 GB but that exceeded the pro-rata amount.

Within 2 days my phone was disconnected because of high usage and exceeding the credit limit.

I tired all efforts to register online but everytime it would return a pop-up error as "my Subscriber ID is not available"

I lodged complaint over phone :
73243067

It was promised that within 12 hours the issue would be resolved. Failing which I kept on calling them, who apolozised but never resolved.

So finally I wrote email:

Quote:

Hello,
I had taken the reliance broadband connection on 19th July 2008, and today on 3rd August 2008 my connection has been disconnected in pretext of over usage.
I had been trying to register to Online bill payment utility but could not get resolution even with many assurances from customer case. One of my complaint ID is:
73243067

Without the resolution, I am not able to pay for the amount, and without intimation my telephone has been connected.

Would you kindly resolve my matter, if that is not responded today, kindly consider my request for disconnection from today onwards. I am ready to pay for the balance amount, if your customer support takes up the matter immediately,
Regards,

PN: This is also an information that I would be using this as a public document for publishing at appropriate places.

The reply was as if I am a fool:
Stating that I my request has been registered under 73243067 ad that I should access the official website and enter the details.

On this reply I worte back:

Quote:

Hello,
Thank You for the reply. I had been complaining for the same and that is what I had written to you.

!!!KINDLY READ MY MAIL BEFORE YOU REPLY!!!

I am not able to register in the same URL from past 7 days, and all the time it gives me a message that 'my Subscriber ID is not available'. This is what I followed:
1. Visited http://rbill.relianceinfo.com/webapp/broadband/jsp/registration/RegisterUser.jsp
2. Entered this details:
CAN: 100109076990
email: kushal@officers.in
BAN: 100000109678515
Subscriber ID: 252150005113
3. The pop up returns that SUbscriber ID is not available with you.

I had even tried my username 'kushaaal' and also telephone number with STD Code: 1130232600 & also this: 01130232600

I hope this time you would read what problem I am facing and resolve and help me to resolve the issue.

Regards,

I also replied this on 4th August:

Quote:

Sorry to add this:
The URL you had mentioned http://www.rcom.co.in/webapp/Communications/rcom/index.jsp is returning this error:
Error 404: SRVE0190E: File not found: /rcom/index.jsp.

To which I got this reply on 5th August:

Quote:

Stating that I my request has been registered under 73243067 which is in process and will be resolved at the earliest.

I did not hear from the reliance upto 10th August so I wrote back:

Quote:

Hello,
It is past 6 days I have not got any reply to this ticket. Further because of non-resolution of this issue, I am not able to pay my bill and therefore your company had disconnected my telephone from past 10 days. It is causing harsh inconvenience to me and putting me at disadvantage by un-necessary harrasement.
May I request you to assist me
Regards

On 10th August I got this reply:

Quote:

My complaint regarding Online bill view issue has been registered under Service Request ID 73738681 and same would be resolved at the earliest. My complaint was documented and escalated the same to the concerned team who will review the same.

Not hearing from reliance, I wrote to them on 13th August:

Quote:

Hello,
Thank you for the support.
Its past 10 days and I had not heard from your regarding this issue. As I am not able to pay my dues online, your company had disconnected my phone:
1. Would I be charged rental and other charges whatsoever during this period of disconnection?
2. As you had accepted that it is your technical fault, therefore I am not able to pay my bills, and because of that my services have been disconnected by your company. Why don't you restore my connection on this reason.

Kindly reply to me on these two para meanwhile I wait for the technical resolution.
Regards,

I heard immediately on 13th August 2008:

Quote:

With reference to your mail regarding online bill payment registered under Service Request ID 73738681, please note that your complaint has been resolved with resolution that your need to register on the web

On this repeated wrong reply I wrote back on 14th August:

Quote:

Unfortunately the problem is not resolved but compounded.
1. Once I try to register now, it returns a pop-up that your account is already registered for online bill payment, and password has been sent at my email kushal@officers.in (See the attached screenshot)
2. I had not received any password email from your company
3. If I try to go to forgot password, it again returns the pop-up message as 'Your subscriber ID is not available with us' (See the screenshot)

I have called your customer helpdesk who again gave me a service request ID as 73942746 attended by Shri.Rahul.

4. Regarding restarting of service, I had requested you to consider your technical inability of not resolving my online payment problem to be waived off so that I continue using my services. If I am not able to pay the balance of Rs. 1877.20 through online payment, how can again you ask me to pay Rs. 1877.20 for restoration. You have put me on disadvantage and put me out of internet services which is affecting my business. KINDLY TAKE A NOTE OF THIS! I again request you to restore my services pending your resolution of reliance technical incompetence to resolve my problem from past 10 days and more.
5. "Further with your mail regarding waiver for down time, we would like to inform you that please revert us back once you will receive your next bill." Does it mean that I would be billed the full rental even though my services are disconnected because of your technical non-resolution? And that I would again need to contact for waiver of my undue bill?

Regards,

To which I got this reply on 15th August 2008:

My mail regarding Online bill registration issue, has already been registered under Service Request ID 73942746, which is in process and the same would be resolved at the earliest.

I think many more blogs need to be covered before the matter ends....or it would never?:angry:

Continued in this blog:
http://www.bighelpers.org/forum/blog...ever-user.html ]]> kushal http://www.bighelpers.org/forum/blogs/kushal/17-reliance-broadnet-money-fleecing-services.html Policing http://www.bighelpers.org/forum/blogs/ssen123/16-policing.html Tue, 08 Jul 2008 15:25:42 GMT Delhi is notorious for its crimes . Snatching incidences are quite common. If one goes to the police station, the Police do agree to write the FIR,... Delhi is notorious for its crimes . Snatching incidences are quite common. If one goes to the police station, the Police do agree to write the FIR, but they also caution that will one be ready to identify the criminal knowing full well the consequences? Right from petty crimes to big ones , people are afraid to be a witness. The justice is also so delayed that people lose hope . As a result the crimes are increasing in this country which is inevitable. Today in front of the police , Japanese tourists were molested and all their belongings snatched at Puri (a religious place). The tourists were so disgusted with the whole system that they had not lodged an FIR. Where is the protection from the criminals in this country? What a common man will do in this case , just helplessly see himself robbed and molested? Because law and the police are for the powerful people only. This is a country run by the powerful people , for the powerful people and of the powerful people. A common man is only a servant and a dispensable commodity of these power lobby? ]]> ssen123 http://www.bighelpers.org/forum/blogs/ssen123/16-policing.html Income Tax http://www.bighelpers.org/forum/blogs/ssen123/15-income-tax.html Tue, 08 Jul 2008 15:10:47 GMT It is an established fact that the builders are making abnormal profits from their business, at least at Delhi. Govt. is helping them to do so... It is an established fact that the builders are making abnormal profits from their business, at least at Delhi. Govt. is helping them to do so without keeping any caps or margins on pricing of properties. On connivance with government agencies they are bleeding the general public and is one of the main factor in spiralling inflation. My question is how much each builder is paying Tax to the Government? Is there any database available anywhere? ]]> ssen123 http://www.bighelpers.org/forum/blogs/ssen123/15-income-tax.html ABN AMRO Bank, Where are the Company Values? http://www.bighelpers.org/forum/blogs/kushal/14-abn-amro-bank-where-company-values.html Thu, 24 Apr 2008 18:21:34 GMT 1. http://www.bighelpers.org/forum/blog...ny-values.html (http://www.bighelpers.org/forum/blogs/kushal/9-abn-amro-credit-cards-company-values.html)...

The journey with ABN AMRO seems to be never ending and looks getting better and better...

Quote:

Thank You once again Shivani Bajaj for your kind information.
I am sure now I can fix the responsibility to the agent of your company who called me up and made my form filled up. Would you kindly do an investigation about how that executive (agent) got the information of my card from ICICI bank, as you have categorically told that your bank (Meaning your bank and Banking employees, or agents, correct me if I am wrong) indulge into spamming and farming of card details.

Would you kindly let me know the agents name and address who has booked the form for credit card at your company?

Also, kindly process the commitment you have made in earlier email " We request you to provide us with your date of birth to investigate your query with regard to sourcing of the card application. "

Thank You
Regards,
Kushal Pathak

Again 'Cardservices' came to talk to me on 19th April 2008:

Quote:

Dear Mr. Pathak,

This has reference to your email dated April 16, 2008.

We have taken a note of your request and the same has been forwarded to the concerned department.

We will revert to you shortly. We will appreciate your patience and co-operation in this regard.

Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.

Assuring you of our best services.

Yours sincerely,

Cardservices

Finally new twist.

On 23rd April 2008, Shivani Bajaj wrote to me again:

Quote:

Dear Mr. Pathak,

This is in reference to your email dated April 16, 2008 .

We would like to reiterate that the ABN AMRO bank is fully committed to customer's privacy & information and we always ensure that there is no compromise to it.

We would further express our inability in providing you any information in this regard.

We would also request you to contact ICICI directly regarding the same.

Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.

Assuring you of our best services.

Yours sincerely,

Shivani Bajaj

ABN AMRO committed to me following:

Return of the Forms I submitted
Investigate the matter about who was the source of my application
Protect my privacy that no further calls will be made

In all I got the reply that they cannot do anything now for me and I should better contact ICICI bank for the matter purely concerned with ABN AMRO Credit card.

I think it was not just the end they thought, on 22nd of April 2008, I got a call during my meeting from an agent that he is from ABN AMRO Bank and that I was using ICICI Gold Credit card and that his back would give me ABN AMRO Platinum Credit card.

I had informed ABN AMRO Credit card, and now for sure I am not going to rest.. here is the content of the email:

Quote:

Hello Shivani Bajaj,
Thank You again for the information. I understand why you cannot make things transparent at your end. However, one of your outsourced agency 'KINGS SOLUTIONS', kirti Nagar agent again called me yesterday to offer me ABN AMRO Credit card because I am having ICICI Credit card. When I asked him how did he get my mobile number and that he knows about my holding of ICICI credit card, he told that the ABN AMRO Bank Senior Officials send them via 'net' to them.

I failed to understand why your bank allows such blatant disregard to citizen privacy, more so when you had promised that no calls would be received further regarding credit card. Also I fail to understand why your repeated statements of customer's privacy is not followed in spirits.

The details of the call made to me during my meeting hours were:

Name of Agent: Shri. Rahul Sharma
Mobile Number: 9971693082
Agency Name: Kings Solutions, Kirti Nagar
Time and date of Call: 4.32 PM, 22/04/2008

May I insist upon your clarification.
Thank You
Regards,
Kushal Pathak

On 24th April 2008, today I got reply from 'cardservices'.... and I guess you know by know what is the content:

Quote:

Dear Mr. Pathak,

This is in reference to your email dated April 23, 2008.

We have taken a note of your request and the same has been forwarded to the concerned department.

We will revert to you shortly. We will appreciate your patience and co-operation in this regard.

Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.

Assuring you of our best services.

Yours sincerely,

Cardservices

]]> kushal http://www.bighelpers.org/forum/blogs/kushal/14-abn-amro-bank-where-company-values.html Are the ABN AMRO Credit Card good? The Company Values-V http://www.bighelpers.org/forum/blogs/kushal/13-abn-amro-credit-card-good-company-values-v.html Thu, 24 Apr 2008 18:18:29 GMT 1. http://www.bighelpers.org/forum/blogs/kushal/9-abn-amro-credit-cards-company-values.html 2....

Here is what Shivani Wrote to me:

Quote:

Dear Mr. Pathak,

This is in reference to your email dated March 29, 2008 .

We regret the inconvenience caused in this regard.

We request you to provide us your date of birth and mailing address to enable us retrieve your application and to send them back at your preferred mailing address.

Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.

Assuring you of our best services.

Yours sincerely,

Shivani Bajaj

Without waisting a single day in replying back I wrote a long letter back to them

4th April 2008

Quote:

Thank You Shivani Bajaj for the email and your kind consideration. As your team had already told me about your policy of non-returning of the submitted forms, I would like to retreate that I do not have any issues of your company not returning the same to me. However, I insist that you kindly supply me the following information I have been requesting. I am quoting again the same question to you for reference:

However, I have not got reply to any of the above questions raised by me, specifically

As I had no relation with ICICI Lombard, nor have I taken up any insurance policy, I need to know how my telephone number and that I had taken the Credit card from ICICI was revealed to your company marketing executives?

"As part of our constant endeavour to provide our customers with excellent service, we keep introducing new products and services. To make our customers aware of the same, we convey such information via phone, letter or e-mail.'

With New Products and Services, you mean the ABN AMRO Credit card?

Would you be kind enough to tell me if you have a signed agreement wherein ICICI would reveal the credit card customers telephone numbers? As I had not signed any paper/document/deed/decree with ICICI to reveal my telephone number, I would like to also take up the matter with ICICI.
"We would request you to view this incident in isolation and not representative of the services we strive to provide. "

Also, that I was not just called by one marketing executive but by many during that time and it cannot be construed that ABN AMRO Bank senior executives are not aware about this happenings and that the incidence can be viewed in isolation.

May I request you again to provide me with para wise information so that I take up this matter with ICICI Lombard and ICICI credit card company.

Also with utmost sincerely, I would like to inform you that I would be putting the content of this discussions on all approachable web forums deemed fit.

Thank You!

Most Respectfully,
Dr. Kushal Pathak

As an interim reply 'cardservice' came back:

Quote:

Dear Mr. Pathak,

This has reference to your email dated April 4, 2008.

We have taken a note of your request and the same has been forwarded to the concerned department.

We will revert to you shortly. We will appreciate your patience and co-operation in this regard.

Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.

Assuring you of our best services.

Yours sincerely,

Cardservices

9th April Shivani Bajaj reverted back to me with this reply:

Quote:

Dear Mr. Pathak,

This is in reference to your email dated April 4, 2008 .

Please note we do not share our database with any other organisation as per the policy.

We request you to provide us with your date of birth to investigate your query with regard to sourcing of the card application.

Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.

Assuring you of our best services.

Yours sincerely,

Shivani Bajaj

This time I took a little time to reply as I was bubbling inside with callous replies.

This is what I wrote back on 11th April 2008:

Quote:

Thank You Shivani for the information. In reply to my repeated query as to how the data of mine residing with ICICI credit card was being used by the BPO Marketing executive of your esteemed company and who kept on calling me for three occasions, you had replied with " Please note we do not share our database with any other organisation as per the policy."
To my understanding this is not the proper reply in any legal sense, where in I had been asking how and under which policy other company data was utilized and not sharing your database! Should I consider that after my months of insistence to get the fact of the matter, I have been replied with this reply and is what your company is to say?

Also may I know the legal status of yours, whether you are replying to me as an authorized person to handle such high level complaint?

My Date of birth is 23rd November 1972

Thank You once again for continued replies.
Regards,
Kushal Pathak

Cardservice was again there to help me on 12th April 2008

Quote:

Dear Mr. Pathak,

This is in reference to your email dated April 11, 2008.

We have taken a note of your request and the same has been forwarded to the concerned department.

We will revert to you shortly. We will appreciate your patience and co-operation in this regard.

Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.

Assuring you of our best services.

Yours sincerely,

Cardservices

16th April 2008, Shivani wrote back to me

Quote:

Dear Mr. Pathak,

This is in reference to your email dated April 11, 2008 .

We would like to inform you that the ABN AMRO bank is fully committed to customer's privacy & information and we always ensure that there is no compromise to it.

Please note that we have not shared any information with any organisation as per the bank's policy.

Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.

Assuring you of our best services.

Yours sincerely,

Shivani Bajaj

It looks my battle for transparency was never going to end...:angry:

]]> kushal http://www.bighelpers.org/forum/blogs/kushal/13-abn-amro-credit-card-good-company-values-v.html ABN AMRO Credit Cards-Titanium Card: The Company Values-IV http://www.bighelpers.org/forum/blogs/kushal/12-abn-amro-credit-cards-titanium-card-company-values-iv.html Thu, 24 Apr 2008 18:15:10 GMT Read the earlier Posts: 1. http://www.bighelpers.org/forum/blogs/kushal/9-abn-amro-credit-cards-company-values.html 2.... Read the earlier Posts:

Quote:

Thank You once again Shveta Gupta for the elaborate response.
However, I have not got reply to any of the above questions raised by me, specifically

As I had no relation with ICICI Lombard, nor have I taken up any insurance policy, I need to know how my telephone number and that I had taken the Credit card from ICICI was revealed to your company marketing executives?
"As part of our constant endeavour to provide our customers with excellent service, we keep introducing new products and services. To make our customers aware of the same, we convey such information via phone, letter or e-mail.'
With New Products and Services, you mean the ABN AMRO Credit card?
Would you be kind enough to tell me if you have a signed agreement wherein ICICI would reveal the credit card customers telephone numbers? As I had not signed any paper/document/deed/decree with ICICI to reveal my telephone number, I would like to also take up the matter with ICICI.
"We would request you to view this incident in isolation and not representative of the services we strive to provide. "

Also, that I was not just called by one marketing executive but by many during that time and it cannot be construed that ABN AMRO Bank senior executives are not aware about this happenings and that the incidence can be viewed in isolation.

May I request you again to provide me with para wise information so that I take up this matter with ICICI Lombard and ICICI credit card company.
Also with utmost sincerely, I would like to inform you that I would be putting the content of this discussions on all approachable web forums deemed fit.
Thank You!

Most Respectfully,
Dr. Kushal Pathak

On 14th March 2008, 'Cardservice' again came back :p and replied to me:

Quote:

Dear Mr. Pathak,

This has reference to your email dated March 12, 2008.

We would like to inform you that your query has been referred to the concerned department and will revert back to you shortly.

Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.

Assuring you of our best services.

Yours sincerely,

Cardservices

Though this time Human was there to give me automated reply:

Quote:

Dear Mr.Pathak,

This is in reference to your email dated March 12, 2008 .

We would like to inform you that we have referred your complaint to the concerned department and will revert to you shortly on the status of the same.

We appreciate your cooperation in this regard.

Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.

Assuring you of our best services.

Yours sincerely,

Rohit Wattal

Well by 29th March I did not get any reply from either the Human or Machine of ABN AMRO Credit card. So I bumped the email on 28th March 2008

Quote:

Hello,
May I wish to bring to your notice that I have not received any reply from the past 10 days. Would you be kind enough to supply me the requisite information, as detailed in the mail below.
Thank You
Regards,

So seeing my concern, the machine 'Cardservice' came to my rescue on 1st April 2008

Quote:

Dear Mr. Pathak,

This is in reference to your email dated March 29, 2008.

We would like to inform you that your query has been referred to the concerned department and will revert back to you shortly.

Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.

Assuring you of our best services.

Yours sincerely,

Cardservices

By 4th April 2008, I think Shivani got fed up by my refusal to forget and dissipate the issue, agreed to send me back my Application. I wonder after suffering for 2 months getting the replies from ABN AMRO Bank, why would I be satisfied with getting my application back.

]]> kushal http://www.bighelpers.org/forum/blogs/kushal/12-abn-amro-credit-cards-titanium-card-company-values-iv.html ABN AMRO Credit Cards Review: The Company Values-III http://www.bighelpers.org/forum/blogs/kushal/11-abn-amro-credit-cards-review-company-values-iii.html Thu, 24 Apr 2008 18:12:09 GMT Read my Earlier Blog Sequence in this regard here: 1. http://www.bighelpers.org/forum/blogs/kushal/9-abn-amro-credit-cards-company-values.html 2.... Read my Earlier Blog Sequence in this regard here:

As if ABN AMRO had decided to make my life missearble and complicated in respect of ABN AMRO Credit card, they wrote me back with reply which created many new issues:

On 8th March 2008

Quote:

Dear Mr. Pathak,

This is in reference to your email dated March 3, 2008 .

We would like to inform you that the ABN AMRO in coordination with ICICI Lombard is offering health insurance to there credit card customers.

As part of our constant endeavour to provide our customers with excellent service, we keep introducing new products and services. To make our customers aware of the same, we convey such information via phone, letter or e-mail.

Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.

Assuring you of our best services.

Yours sincerely,

Shivani Bajaj
****************
QUICK TIP
*************************************************************************************************************************************************************************************
Access Cardsonline & request for a balance transfer or a draft on your card ! Visit www.abnamro.co.in and make banking simple & hassle free!
**************************************************************************************************************************************************************************************
Cards Online - You may log on to CardsOnline & get details on your credit card. This option will enable you to view / print your statements and also check your payments and account history. In a nutshell you will be in a position to access details on your credit card account from anywhere - anytime. Log on to www.abnamro.co.in and register now !
***************************************************************************************************************************************************************************************
* Bank By Phone service - Delhi & Noida 95124 411 1111, Mumbai 2491 4001, Kolkata 4434 1111, Chennai 2821 5151, Tirupur 9282021111, Pune 664 21111, Hyderabad 6666 1234, Vizag 9540 - 6666 1234, Bangalore 4124 5555, Mangalore 300 1500, Ahmedabad 98249 02224,Vadodara 6619999 Surat 98249 02224,Lucknow 398 2500 , Gurgaon 411 1111, Chandigarh, Ludhiana , Jalandhar 92165 01111 , Jaipur 92143 01111 , Kerala 92494 21111 , Nagpur, Kanpur , 011 3900 2224 or 1800 11 2224 , Nasik 9223321111 ,Coimbatore 92820 21111,Toll free 1800112224
***************************************************************************************************************************************************************************************

Atleast I was happy that now 'Cardservice' automated person was not responding. But How did ICICI Lombard come into picture? I had been asking for ICICI Credit card and they responded by telling me ICICI Lombard :shocked:

I had to reply back with this email:
8th March 2008

Quote:

Thank You very much Shivani Bajaj for the information.
1. As I had no relation with ICICI Lombard, nor have I taken up any insurance policy, I need to know how my telephone number and that I had taken the Credit card from ICICI was revealed to your company marketing executives?

"As part of our constant endeavour to provide our customers with excellent service, we keep introducing new products and services. To make our customers aware of the same, we convey such information via phone, letter or e-mail.'

2. With New Products and Services, you mean the ABN AMRO Credit card?
3. Would you be kind enough to tell me if you have a signed agreement wherein ICICI would reveal the credit card customers telephone numbers? As I had not signed any paper/document/deed/decree with ICICI to reveal my telephone number, I would like to also take up the matter with ICICI.

I am impressed by your responses and level of customer support.

Once again Thank you for all the information.

Regards,
Kushal Pathak

Here was the reply from ABN AMRO on 12th March 2008:

Quote:

Dear Mr. Pathak,

This is in reference to your email dated March 08, 2008.

We are concerned to read the contents of your email and would like to assure you that errors described by you are not indicative of the standards of customer service provided by ABN AMRO Bank.

We wish to reiterate that ABN AMRO bank is fully committed to customer's privacy & information and we always ensure that there is no compromise to it.

We would request you to view this incident in isolation and not representative of the services we strive to provide.

Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.

Assuring you of our best services.

Yours sincerely,

Shveta Gupta

Unsatisfied by yet another response, I wrote them again on the same day: 12th March 2008

]]> kushal http://www.bighelpers.org/forum/blogs/kushal/11-abn-amro-credit-cards-review-company-values-iii.html ABN AMRO Credit Cards: The Company Values-II http://www.bighelpers.org/forum/blogs/kushal/10-abn-amro-credit-cards-company-values-ii.html Thu, 24 Apr 2008 17:15:56 GMT Continuing my earlier blog http://www.bighelpers.org/forum/blogs/kushal/9-abn-amro-credit-cards-company-values.html, I applied for the card without... Continuing my earlier blog http://www.bighelpers.org/forum/blog...ny-values.html, I applied for the card without actually going into who's who. The agents collected my card from my office, and I got the confirmation call. I was happy to experiment with a new card named 'ABN AMRO Credit Card', though I already had existing plethora of cards.

Unfortunately the trouble started when I got an email from ABN AMRO that my application has been rejected because I did not meet the credit policy of their Bank.

Here is the email I received from them:

Quote:

Reference Number : 080552124

Date : 26/02/2008

Dear MR KUSHAL K PATHAK,

This is with reference to your application for an ABN AMRO Bank Credit Card.

We have reviewed your application and regret to inform you that we would not be able to issue an ABN AMRO Credit Card to you at this stage, as you do not meet the credit policy as specified by the Bank.

We would like to take this opportunity to thank you for your interest in the ABN AMRO Credit Card.

Assuring you of our best services always.

Warm Regards,

ABN AMRO Bank "Active Alert" Services

This is an automated message, please donot reply to this.

Though it stated, it's an automated message, I thought to talk with the automated machine with a bleek hope of getting a reply.

My prime worry at that time was:

As my personal details were floating around with credit card companies, I suspected sleepless calls from agents offering me credit cards, and I wanted to secure my information as fast as possible.

So I wrote back to the automated mail:

26th February 2008:

Quote:

Thank you for the confirmation. May I request you to kindly return back the documents submitted by me to the executive at the earliest.
Regards,
Kushal Pathak

To this next day I got the prompt reply:

Quote:

Dear Mr. Pathak,

This has reference to your email dated February 26, 2008.

We wish to express our inability to return the documents submitted along with the credit card application.

We will appreciate your patience & cooperation in this regard.

Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.

Assuring you of our best services.

Yours sincerely,
Cardservices

****************
QUICK TIP
*************************************************************************************************************************************************************************************
Access Cardsonline & request for a balance transfer or a draft on your card ! Visit www.abnamro.co.in and make banking simple & hassle free!
**************************************************************************************************************************************************************************************
Cards Online - You may log on to CardsOnline & get details on your credit card. This option will enable you to view / print your statements and also check your payments and account history. In a nutshell you will be in a position to access details on your credit card account from anywhere - anytime. Log on to www.abnamro.co.in and register now !
***************************************************************************************************************************************************************************************
* Bank By Phone service - Delhi & Noida 95124 411 1111, Mumbai 2491 4001, Kolkata 4434 1111, Chennai 2821 5151, Tirupur 9282021111, Pune 664 21111, Hyderabad 6666 1234, Vizag 9540 - 6666 1234, Bangalore 4124 5555, Mangalore 300 1500, Ahmedabad 98249 02224,Vadodara 6619999 Surat 98249 02224,Lucknow 398 2500 , Gurgaon 411 1111, Chandigarh, Ludhiana , Jalandhar 92165 01111 , Jaipur 92143 01111 , Kerala 92494 21111 , Nagpur, Kanpur , 011 3900 2224 or 1800 11 2224 , Nasik 9223321111 ,Coimbatore 92820 21111,Toll free 1800112224
***************************************************************************************************************************************************************************************

As you can see that I cannot be satisfied with this response, so I wrote them back on 27th Feb 2008 itself:

Quote:

Dear cardservices,
Thank You for writing to me.
As you had mentioned that the documents cannot be sent back to me, kindly ensure and confirm to me in writing that my documents would not be exposed and that I should not be contacted by any of ABN AMRO executive about Card issues from now onwards.
Also I would like to know how my telephone number was farmed by the BPO executives from the ICICI bank, with a promise that 'as I am customer of ICICI bank credit card, I would be given ABN AMRO Titanium credit card"? Kindly let me know the policy of harping mobile numbers from other credit card companies, and the managerial level who controls them.
Thank You for cooperation.
Regards,

The card service responded to me on 29th Feb 2008

Quote:

Dear Mr. Pathak,

This has reference to your email dated February 27, 2008.

We have taken a note of your request and the same has been forwarded to the concerned department. We will revert to you shortly.

We will appreciate your patience and co-operation in this regard.

Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.

Assuring you of our best services.

Yours sincerely,

Cardservices

First time a Human appeared after so many replies from cardservice. I wonder if it was in fact human :crazy:

On: 3rd March 2008:

Quote:

Dear Mr. Pathak,

This has reference to your email dated February 27, 2008.

ABN AMRO bank is fully committed to customer's privacy & information and we always ensure that there is no compromise to it.

We however wish to express our inability to return the documents submitted along with the credit card application.

We will appreciate your patience & cooperation in this regard.

Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.

Assuring you of our best services.

Yours sincerely,

Rahul Bhatia

Not satisfied with the partial and and superficial reply to cover up most of my questions I wrote back the same day:

Quote:

Thank You Rahul for the reply, and I appreciate your response.
Unfortunately I did not get the reply to my query dated 27th Feb 2008, wherein I asked "Also I would like to know how my telephone number was farmed by the BPO executives from the ICICI bank, with a promise that 'as I am customer of ICICI bank credit card, I would be given ABN AMRO Titanium credit card"? Kindly let me know the policy of harping mobile numbers from other credit card companies, and the managerial level who controls them."

I want to proceed legally on to this issue and request you to provide me with the requisite information. If the need be, I can provide you with the mobile and other telephone numbers, the number of times I was called and the nature of conversation. I am sure you would be having all this information with you already.

Thank You for the detailed reply.
Regards,

Again cardservice came to reply to this:

Quote:

Dear Mr. Pathak,

This has reference to your email dated March 03, 2008.

We have taken a note of your request and the same has been forwarded to the concerned department. We will revert to you shortly.

We will appreciate your patience and co-operation in this regard.

Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.

Assuring you of our best services.

Yours sincerely,

Cardservices

I have many months to continue this blog series, as ABN AMRO always obliged me with staggered replies, hoping for my short term memory...

The correspondence is stalled to continue in next sequel.. part-III

]]> kushal http://www.bighelpers.org/forum/blogs/kushal/10-abn-amro-credit-cards-company-values-ii.html ABN AMRO Credit Cards: The Company Values http://www.bighelpers.org/forum/blogs/kushal/9-abn-amro-credit-cards-company-values.html Thu, 24 Apr 2008 16:49:52 GMT I am fighting a long and protracted battle with ABN AMRO Credit card, and as my blog will display the email correspondence I am having from the past... I am fighting a long and protracted battle with ABN AMRO Credit card, and as my blog will display the email correspondence I am having from the past 2 months or more, there is seriously a question of Company Values.

The story starts from the day an agent called me to give Platinum Credit Card because I was having ICICI Gold Credit Card.

How did he got my Mobile Number?:confused:
How did he know my name?:p
How did he knew that I had 'Gold' Credit Card' of ICICI Bank?:shocked:

]]> kushal http://www.bighelpers.org/forum/blogs/kushal/9-abn-amro-credit-cards-company-values.html My Tryst with Samsung AC http://www.bighelpers.org/forum/blogs/kushal/8-my-tryst-samsung-ac.html Thu, 03 Apr 2008 14:35:59 GMT Just stretching my legs in the cool breeze of Samsung Moderato Split AC after a long time. It feels as if the true AC comfort in Delhi Summer is... Just stretching my legs in the cool breeze of Samsung Moderato Split AC after a long time. It feels as if the true AC comfort in Delhi Summer is mine.

Not long though I had been struggling to get it's temperature down, but it appeared to me that Samsung Moderato never respects my body temperature. I need to put the temperature to 16 degrees to get the cooling effect of 25 degrees.

The problem to me was malfunctioning of thermostat which would incorrectly show the room temperature less. For example if the temperature it is detecting of room is 20 degrees, keeping the AC temperature to 20 degrees would trip it's compressor. if the thermostat is faulty it wrongly detects the temperature of the room to be 20, instead of 28-30 degrees.

From the past 8 months or so I had been struggling with this issue, and raised a complaint with the customer care. They were kind enough to send the service engineer dot on time. As usual they were highly polite, and cordial.

That's it!

The engineer won't budge a bit and would justify the issue by making me realize that I do not understand anything of cooling phenomenon. He was also sure that the room temperature after cooling kept at 16 degrees was correct even though he was sweating.
:mad:

The 2007 summer passed and we closed the AC for yet another hot summers to face for 2008.

However, this time I was sure not to have samsung India have it's own way.

As usual, this year too the service engineer came, but were more hell bent on doing the service of the AC than correcting the problem of temperature. When I came back from office, the AC was shinning and my wife was very happy that Service engineer had cleaned everything from the AC. She also scolded me that "Why you are not so good in cleaning the AC as they are"? :o

Taking all those Samsung shinning, I started the AC only to fade the shine in sheen. The AC started detecting room temperature as 21 degrees and the same old story...

I made another call and complaint to samsung regarding the issue, and they were prompt enough to send the service engineer the same day.

This time I decided to beat him in his logic. I was surprised that the service engineer kept the cool all through this time, perspiring, but adamant on the issue that I do not understand how cooling is. He made me feel stupid all though this time.

I insisted on him to kindly escalate the matter to the right person, if he is unable to solve it. He would immediately respond by accepting my request, but would always end the statement as 'I'll call other engineer, but there is nothing can be done. And that you need to change your view point'.

Finally I decided to write a complaint via email. Here is the content:

Quote:

Hello Support,

My AC detials:
Model: Samsung Moderato
Serial No: 0509 PAJP 300018
Model: AS 18 MSAN
Date of purchase: 18/05/2007
Online registration NO: 46905

I had complaint last year August 2007 about the thermostat defect of the AC, for you your company was kind enough to send the service engineer. Unfortunately the service engineer justified that there is no problem, and went with correcting it. I ran the AC last summer with the problem persisting and continuing this year too.

The issue: The room temperature the electronic panel is displaying is way below to what is the actual temperature. For example if the room temperature today is 29-30 (approx.) it is displaying 22-23 Degrees. Now to get the cooling of around 23-24 degrees, I had to shift the AC temperature to 16-17 degrees (because the thermostat is detecting the room temperature to be 22 degrees to start with). If I keep the temperature in auto mode which try to maintain the temperature of 24-25 degrees, with this defective AC system, the compressor will never start.

Now the Service engineer has been trying to convince me that there are different layers of temperature in the room, and therefore you will have to keep the temperature at 20 degrees always to get the desired cooling. in effect he tried to convince once again today that everything is normal.

My Service call request number is: BP:8405914380

May I request you to help me correct the issue with and if my contention if proved right, kindly compensate my mental agony and harassment caused to me by taking appropriate action against the service engineer immediately.

For You information: I will use this email and consequent replies in appropriate public forums.

Thank You!

With Kind Regards,

This was the reply I had received.

Quote:

Dear Customer,
Thank you for patronizing Samsung product.
Without any prejudice we regret the inconvenience caused to you. We have forwarded your mail to our service department.Our concern person would get in touch with you shortly. Please bear with us till then.
Assuring you of best services always.

Customer Satisfaction Team
Samsung India Electronics Pvt. Ltd

.

This time sane person came and detected the problem to be 'Thermostat', which was changed and problem got rectified.
]]> kushal http://www.bighelpers.org/forum/blogs/kushal/8-my-tryst-samsung-ac.html Punjab National Bank NEFT transaction, things you must know! http://www.bighelpers.org/forum/blogs/kushal/6-punjab-national-bank-neft-transaction-things-you-must-know.html Thu, 07 Feb 2008 15:03:23 GMT To start with I had fairly good experience with PNB and their proactive approach at the managerial level. I must congratulate them for being better... To start with I had fairly good experience with PNB and their proactive approach at the managerial level. I must congratulate them for being better than Private Sector Banks. They add lot of personal touch at the highest of level. I mean it is much easier to approach senior level than is possible with any Private sector Bank. It may not be exactly because of them becoming accessible but others (especially) Juniors making them run for the job.

I am not sure if any body of you had been treated with cups of tea and snacks by no other than Chief General Manager just to get your personal saving bank account opened.

I did NEFT transaction to transfer some amount to my other bank account. It got debited from my PNB Bank account the next day, but would not show up for another day into my other bank account.

I decided to call the Help desk to get the status of my transaction. As usual, the Help desk was over polite but empty in knowledge. He let me hold the call for sizable amount of time only to return some verbose Sorries. And of course he was satisfied when he returned back with 2 Mumbai office telephone number.

I decided to settle my apprehension as it was my lunch hour. So I made the call at 022-22627523. The gentle man was gentle enough to mis-interpret my query and looked very confidant in explaining to me that my transaction had been reverted back.

On my repeated insistence for allowing me to explain the nature of my issue, he was happy to tell me that it was not his department to handle this. He was handling transaction above 100000 RTGS transfers. He discussed with the colleague which I was able to overhear, that the other employee was responsible for the NEFT settlement.

But he finally decided not to hand over phone to the one who was sitting around him, but insisted that I call NEFT department at this number: 022-22627529 where Mr. Sethi would solve the problem. (who was sitting beside him)

I decided to give a try, but to my dismay, the phone was never picked up. To check up if the phone was not dead, I called up another time to RTGS dept number 022-22627523 and simultaneously at 022-22627529 and I could hear the other bell ringing. This made me sure that the phone was not dead, that 529 was near to 523.

This time 523 Employee was happy to give me another numbers:

022-22627519: Engaged for infinity
022-22627521: Who again redirected me to 529
022-22662421: He re-directed me to 22627518
022-22626372: He was sitting on another floor, and was quick to respond that he is from Foreign exchange office.

Disgusted that my lunch time was running out, and that I was becoming restless I now decided to escalate the issue.

The re-directed Gentle man was very polite and informative, I suspected him to be in supervisory level.
He first told me to call at 629, 619 which I had already done so. Seeing my anxious nature, he was quick to tell me the fax number : 022-22673797 and insisted me that if you want to get the job done, fax it here.

I was in no mood at that time to write a letter and than fax it, so I asked him the telephone number of Chief General Manager, and I got that in a jiffy.
022-22627511

After 3 attempts, a Lady picked up who showed complete helpless ness in either connecting to Chief General Manager, or in understanding my issue.

When I asked the mobile number of CGM, I could not believe, I had it in fraction of second.

So I decided to call Shri. Mehtani, CGM on his mobile. He decided to cut it out my landline numbers. So I called him from mobile number which also was pressed with 'Red' Button.

I again gave a try at 22627523 (RTGS) and the employee picked up to listen to my query as to why the other number beside you is not been picked up? Hearing this he again politely and in one sentence asked me to keep on trying. He put down the phone in the cradle and without knowing that I am still at hold, he put the mouthpeice on the side of the phone so that I do not disturb him. I had the chance to hear the after talks.

The other employee to the Employee who picked up the phone: " Who was he"?
The employee who picked up the phone to other (Probably NEFT department Mr. Setti): "The man was asking why the phone was not picked up. Ha ha ha!"

It was past 2 PM, and hunger and anger was overwhelming me. But not to stop is what I learned in Civil Service carrier.

So finally I decided to write a fax letter, where my subject line read 'Not picking up of phone number 22627529 and 22627519' instead of my transaction complaint. I had made sure this time to display my Official Post with full details. I faxed to them with plea to call me back at my mobile immediately and asking for the explanation as to why my call has not been picked up.

I also made sure that, I faxed the letter at least thrice so to make sure the impact.

I finally made an attempt to call Mr. Mehtani, CGM from yet another mobile, which was this time picked up by him.

He was prompt enough to call in his chamber, Mr. Setti even without knowing my designation. Mr Setty noted down my issue and was prompt enough to call me back with satisfactory explanation.

He then asked me if I was the one who had faxed the letter, and was hell bent on asking me for pardon.

When I narrated his laughter, that he did not pick up the phone:

"Sir, I am alone, many of staff are on leave. I had to do so many authorization of NEFT, so tell me Sir, how can I pick up the phone".

I think my Fax made some impact and I again got a call from CGM, who had already helped me on my earlier call. He explained to me the points I had raised on the fax that, 'Mr. Meghani on his mobile had also not picked up the phone', that he was busy in the meeting and that he responded to me once he came out. ]]> kushal http://www.bighelpers.org/forum/blogs/kushal/6-punjab-national-bank-neft-transaction-things-you-must-know.html <![CDATA[How to Use 'Add a Social Issue for Wiki' at Big Helpers Project tools]]> http://www.bighelpers.org/forum/blogs/kushal/5-how-use-add-social-issue-wiki-big-helpers-project-tools.html Tue, 05 Feb 2008 03:24:52 GMT The Project tool "Add a Social Issue for Wiki" is meant for all of the Members of Big Helpers to raise an issue of common Social Importance. Once the issue is raised, it need to be voted upon by all of us stating if that issue is really important to be covered under Wiki segment.

The Issue can also be discussed in there by providing basic input the issue. Once we have enough material and links available with that Project, we would assign the work to one or many of our Team Members or 'Site Contributors'
, who would then undertake the writing of the wiki article.

So sum up, project tool is used to

Raise an issue
Decide about its utility, whether to be incorporated in our wiki
Gathering and posting of material. We call it alpha phase of wiki development.
Assigning and taking up of the issue by Member for writing it up, would be called as 'Wiki Author (s)'
Follow-up with more resources and links if found, for the Wiki Author (s) to help him incorporate it in the Wiki.
Once incorporated, the Project would be marked 'incorporated'.

]]> kushal http://www.bighelpers.org/forum/blogs/kushal/5-how-use-add-social-issue-wiki-big-helpers-project-tools.html Who are Site Contributors and Pioneer Members at Big Helpers http://www.bighelpers.org/forum/blogs/kushal/4-who-site-contributors-pioneer-members-big-helpers.html Thu, 22 Nov 2007 15:43:29 GMT Hello, As a policy decision we took, all our first 500 members would be our Pioneer Members and would carry a special Label below their name always.... Hello,
As a policy decision we took, all our first 500 members would be our Pioneer Members and would carry a special Label below their name always.
This is the label:

However, those Pioneer Members who remain in-active for a long period would be reverted back to normal Membership.

To decide about the days of inactivity, we are yet to take the decision though.

Those members who post articles at our wiki segment and those chosen by our Management would be designated as 'Site Contributor'.

For us Site Contributors are very important and and they are the ones specialized in their fields.

The Site Contributors would work in close coordination with our 'Big Helpers Team' and would assist in Wiki Article developments. The Site Contributors can be assigned any of our Projects and would then work on them.

During our initial days we had decided to focus more on Wiki Article building through Project tools and also contributing to Wiki Segment. ]]> kushal http://www.bighelpers.org/forum/blogs/kushal/4-who-site-contributors-pioneer-members-big-helpers.html Projects and Wiki at Big Helpers http://www.bighelpers.org/forum/blogs/kushal/3-projects-wiki-big-helpers.html Mon, 19 Nov 2007 10:52:32 GMT I would like to draw attention of our team and members of our most important focus area of the Big Helpers. 1. Projects: The Projects tool are... I would like to draw attention of our team and members of our most important focus area of the Big Helpers.

Projects: The Projects tool are supposed to be used for building concept and following it up.
- Currently we have two categories of the project tools:
- Add a Social Issue for Wiki
- Big Helpers development
- In Ask for Social Issue for Wiki, you simply raise an important question affecting our society and which need to be answered in an article form. It is not meant for discussions but for full proof article which will help citizens of India in understanding and solution of the issue. Once the Wiki is created, it can then be improved upon, edited upon by members and then discussed upon.
- Similiarly you can post new features or bug about the website here Big Helpers development
Wiki: This is meant to create wiki like article which can be edited and improved upon by collective knowledge base of the community. When the wiki article is created by member, it becomes his article and all those who edits, add, delete, format it becomes the article contributor. This way by community effort we can build upon the solution to common questions which have been consolidated at the Project tools.

The forums can be used for any discussions and help, and sometimes when the topic is really relevant it would be shifted or copied down in the wiki segement too.

Rest to follow.... ]]> kushal http://www.bighelpers.org/forum/blogs/kushal/3-projects-wiki-big-helpers.html Launch of Big Helpers http://www.bighelpers.org/forum/blogs/kushal/2-launch-big-helpers.html Thu, 15 Nov 2007 20:27:50 GMT As always is with our websites, today we are launching our first public release of website 'Big Helpers' on 16th November 2007 on 'World Tolerance Day'.

We have made many customization features to suit the need of the website. many would find pretty similarity with the 'RTI India' Website, however there are way to many difference which only regular member would come to realize.

One of the important feature of the site is the wiki (Knowledge base) section, where the important topics can be operationalize with the collective wisdom of the Big Helpers Community.

Similarly 'Project' tools have been added so that we take up some important issues to its logical conclusion. ]]> kushal http://www.bighelpers.org/forum/blogs/kushal/2-launch-big-helpers.html Development Blog of Big Helpers.org http://www.bighelpers.org/forum/blogs/kushal/1-development-blog-big-helpers-org.html Sat, 27 Oct 2007 19:08:52 GMT The idea has been concieved by me to start a website where based on the community strenght we will help common netizen to solve social issues. We... The idea has been concieved by me to start a website where based on the community strenght we will help common netizen to solve social issues.

We would also start area for emotional help in the coming days.

Keep track! ]]> kushal http://www.bighelpers.org/forum/blogs/kushal/1-development-blog-big-helpers-org.html