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Found 15 results

  1. Hello, Sir i Want to know the Export Credit Guarantee Corporation of India Limited(ECGC) Conditions under Whole Turnover Packing Credit Guarantee(WTPCG) . I want to know that how much percentage ECGC are liable to pay Claims to banks on Packing Credit Limit And in which Conditions They are Liable And Not Liable to Pay the Claims.
  2. sharadphadke

    ATM failed Transactions.

    In order to withdraw some urgent money, I made one withdrawal from ATM on 18-10-2009. The first transaction failed and so I made a second try. This time, I got Rs.1000/- as demanded. The security person commented, “Your account shall be credited next day for this failed transaction.” But as a safety measure, I lodged an internet complaint for this failed transaction, took a “Print Screen” shots for complaint as well as receipt. Both this “Print Screen” shots helped me in all this failed transaction. On 1-12-09 while my pass book was updated I found there is no credit for Rs. 1000/- for failed transaction and since I was in bank, I made enquiries and I was told to lodge a second complaint. Accordingly second complaint was lodged on that day. On 1-1-2010 while updating my pass book I noticed, there is still no credit. On enquiries, I was told it takes about a month or some time more. But still visit 3rd floor and check in ATM section. The matter was left there only. This is the first part of the story, second part started on 6-1-2010 evening when I was visiting RBI web page to find Singapore $ rate. I found a link for common persons, where in there were many notifications and my eye caught a notification dated 17-7-2009 for ATM reconciliation. I downloaded the pdf. The link to this page is: Reserve Bank of India On reading this pdf I was rather shocked! It had stated, if the complaint is not solved within 12 working days, I was to be given Rs. 100/- per day as compensation. On next day, i.e. on 7-1-10, I took the print out of this notification and visited my bank at around 2 PM and showed it to the branch manager. The effect was very surprising and he promised to look in the matter and my residence received a call from bank staff that my account has been credited with Rs. 1000/- at around 5 PM. The message was also kept to call bank next day. I had high-lighted the condition of Rs. 100/- per day with high light marker. The Manager, Chief Manager and staff member started pleading some of the member from the branch shall be punished and he (Chief Manager) shall look in the matter and find the way. There was no action on his part for other 10 or more days. Since this being a very major issue, in the mean time I contacted an advocate and asked if a public interest litigation can be filed in High Court and get the order for all banks to act on this rule and give the compensation. He confirmed that this can be done but there has to be some evidence from different banks as they are also not following this rule. Hence he dictated an application under RTI and asked me to visit 2 days later to collect print out. That day he refused to take the case on the ground of time and refused to give the draft also. I thought of trying it my self and made application to: 1) Bank of Maharashtra, as the H.O. was in Pune where I stay. 2) Bank of Baroda, their Regional Office. 3) Dena Bank, in there Regional Office. 4) ICICI as they have ‘n number of ATM centers. 5) IDBI bank Mumbai. 6) Bank of India, Mumbai as my bank. These banks were selected as test case and have no specific reason. A separate application to RBI was also made since it was referred in there letter that they are receiving many complaints. Questions asked to 6 banks were: 1) How many complaints were received for wrongfully debited on account of “failed ATM transactions”? 2) In how many days the wrongfully debited amount was credited to the account of customer? You may give the answer as min and max days taken. 3) Do you have any stipulated period policy to solve this type of complaint? 4) If so, what is the maximum period you have specified? 5) Do you reimburse any amount as compensation, for the delay caused in above period to the aggrieved customer? 6) If yes, what is the amount you reimburse to the aggrieved customer? And how it is calculated? 7) Do you have any system, to review this failed ATM transactions, and keep them to the Board of Directors, indicating inter alia, the quantum of compensation given to customer, reasons thereof, and action taken to avoid this delay? 8) If yes, supply me the copy of this report. In the letter to RBI the questions were asked giving the reference to the directives they have sent to banks, given on web page and are as: 1) How many complaints you received in connection of ATM failure in 2008? Give the details bank wise. 2) How many complaints you received for above reason in 2009? 3) How many complaints you have received after 17-7-2009? 4) What mechanism you have set to enforce the Payment and Settlement System Act 2007, (Act 51 of 2007)? (Section-18) 5) Is there any facility given on web site which gives the acknowledgement to the complaint via net? 6) If not why? I think answers from RBI are very funny and vague. The answer given by the Reserve Bank is as follows: 1) Information is not available with this department readily, since ATM related complaints are categorized along with credit / debit card complaints in our Complaint Tracking System. As per our records, we have received 17648 complaints relating to ATM cards, Debit cards and Credit cards during the year 2008-09. 2) – do - 3) – do – 5) The web site has no such provision 6) The information is not available with this dept. 4) Answer to my (4) was from different dept. and the answer is “For regulation of payment system, the bank lays down policies and issues directions under Section 18 of Payment and settlement systems act 2007 as and when necessary.” It also states I can appeal against this reply to so and so…. From the banks, the response is as below: 1) ICICI : We are not covered under TRI and referred CIC order dated 9-8-2007 2) IDBI : No of complaint-73700 and follows rules of RBI. Min-2 days max. 12 days, follows RBI guideline and pay 100/- p.d. Answer to Q-8 can not be given under sec. 8(1)(d) of RTI act. 3) Bank of Maharashtra : No. of complaint=40010 and follows RBI directions and “there was no such occasion of delay by card cell” Answer to Q-8 – Not applicable. 4) Bank of Baroda replied “as all information called for is maintained by corporate office and we are forwarding your application to them” 5) Dena Bank : One Branch Manager from nearer branch visited my house but house was locked and hence he kept a message requesting to call on his mobile. So far there is no reply from them so far. 6) Bank of India : There is no reply so far. I had sent one more RTI letter asking bank why my account was not credited with Rs.6500/- on 7-1-2010 along with Rs.1000/- and the account was credited 0n 25-2-2010 for Rs.6500/- The second letter was to separate Public Interest Litigation keep me away from one of beneficiary in the case. Now, I want your guidance in this case for archiving the goal on all India basis. I wish each and every one who is deprived from this compensation part should get the money. And to get it for them how do I precede with current status. Now on each and every move is important because millions and millions are involed in this case.
  3. Hello, Please tell hoe can i check my name in cibil. and how to make payment to know.
  4. READING THE FOLLOWING PASSAGE AMPLY HOLDS THAT THE CIBIL IS A PUBLIC AUTHORITY PROMOTED BY THE GOVERMENT OF INDIA AND THE RESERVE BANK OF INDIA AS A COMPANY UNDER HE COMPANIES ACT 1956 INCORPORATED IN YEAR 2000 The role of Credit Information Bureau India Limited (CIBIL) in Credit Rating: Credit Information Bureau (India) Limited (CIBIL), incorporated in the year 2000, plays a very vital role in credit ratings in India. CIBIL – India’s first credit information bureau- is a repository of information, which contains the credit history of commercial and consumer borrowers. CIBIL provides this information to its Members in the form of credit information reports. The establishment of CIBIL is an effort made by the Government of India and the Reserve Bank of India to improve the functionality and stability of the Indian financial system by containing NPAs while improving credit grantors’ portfolio quality. CIBIL provides a vital service, which allows its Members to make informed, objective and faster credit decisions. CIBIL’s aim is to fulfill the need of credit granting institutions for comprehensive credit information by collecting, collating and disseminating credit information pertaining to both commercial and consumer borrowers, to a closed user group of Members. Banks, Financial Institutions, Non Banking Financial Companies, Housing Finance Companies and Credit Card Companies use CIBIL’s services. Read more: All about Credit Rating in brief | Tax Guru
  5. I would like to know if RTI can be used in credit card frauds. My credit card was unauthorizedly used to pay 3 Bharti Airtel biils for an identical amount. When I reported the fraud to the bank, they dilly dallied and did not sound convincing that they would enquire into the fraud. That is when I thought RTI could help. I would appreciate information and help on this
  6. Dear RTI admin !! My name is aman i am from faridabad i am facing problem due to credit card of HDFC Bank, What the matter is? I have used credit card of HDFC Bank in the last year 2010 but due to some of my personal problem i was not able to use of that card and was not able to pay amount of Rs 9000 approx. in the last year one of bank executive from rajouri garden new delhi had visited my place for the payment purpose on that time i spoke to his manager from collection team at rajouri garden that time i asked him for settle down my total amount and FNF for my credit card but that person said have to pay only 5000 rs for settlement and i have to pay 1500 Rs now and rest of amount in 3 EMI's which i have to pay. I said Ok What I Did I write one application on one paper same matter i write on that paper after that i asked to sign that paper to executive and i already mentioned executive name and phone number with signatures and ID Card number on that paper Now bank executive who had called up on my number said i have to pay entire amount kindly suggest me what i have to do now??
  7. sushant_singhal

    Bank not providing information

    I had applied for credit card with HDFC bank and i got referance number on 22/11/2010. But i still haven't recieved the credit card. When i called at customer care of the bank they told me, my name is marked with CIBIL for non payment of other credit card. But i don't have any other credit card and this is the first time i have applied for it. When i asked them to tell me due to which other Bank's credit card account i have been listed in it, they refused to provide me the information. What should i do?
  8. Dear Sir, ICICI CREDIT CARD : 4477 4681 9033 1004 HSBC CREDIT CARD : 4384 5999 8231 1556 I have paid all the claims made by ICICI BANK & HSBC BANKS Accordongly their demand. They were fully satisfied with my correspondances . Even they were ready to give me Credit cards and Loan to build a House. Please I requst you very humbly to arrange to remove my Name from the List of Deafaulters from CIBIL and don't be obstacle in my growing career . Sincerely Your's Trupti ShaH
  9. I approached my credit card issuing Bank (Multi-national Private Bank) at their branch in Bangalore with the intention of settling my card. They refused to talk regarding any settlement at all. All they are telling me is to contact customer support over phone. Alternatively they asked me drop the cheque / make payment by cash and just leave the branch. No person in the branch will answer my queries regarding my credit card settlement procedures / processes. My question is, IS IT WITHIN THE RIGHT OF THE BANK TO DO AS WHAT THEY DID. IS IT NOT NECESSARY FOR BANKS TO HAVE A CREDIT CARD CELL IN MAIN BRANCH IN MAJOR CITIES LIKE BANGALORE, WHO CAN TALK TO THE CUSTOMER AND EXPLAIN THE RULES AND PROCEDURES ? IS THERE ANYTHING SPECIFIED AS PER RBI NORMS, BECAUSE OF WHICH THEY ARE HIDING UNDER A TELEPHONE NUMBER ?
  10. kinjalchaudhary

    Credit card

    Dear Sir, I used ICICI Bank credit card in the year 2004 -05 . My name on ICICI record is wrongdue to their mistak. In that time I also informed to the bank But they did not take that seriously.Few days back I applied for credit card through my ICICI bank in which I am having my salary A/C.Credit card division called my mobile no which is registered with bank. but I did not reply .Now pl let me know whether they can debit due amount from my salary a/c or not only name is not matching rest information is same . How i ca find my name in credit card defaulters list. Thank
  11. Having been bed ridden for nearly two years and thereby financial resources getting in really pitiable condition, it is hard to pay up accumulated debt amount on my credit cards. Repated calls from the recovery agents add insult to injury.They just would not lisyen to my precarious conditions , but would emphasise only on the amount to be settled forthwith.What possible options could be relied in debt settlement of this sort?
  12. I had applied for a credit card from ICICI Bank 15 days back. I got a message from the bank that my application has been rejected. This is despite the fact that only a month back, they upgraded my account status from normal to esteemed customer status. When I asked the banking officer for the reason I was told that i could not be told. I am sure there is some hurdle, but i wish to know what it is. As a respectable citizen of this nation serving in the armed forces, why have I been denied a credit card?
  13. Hi, 3 months back all of sudden I received several threatning calls from ICICI bank (ICICI bank third party vendor) regarding payment of purchases made through credit cards which I have never applied or never received. I had raised my concerns to various department (Customer Care, Head Service Quality, Grievance Cell, etc) in ICICI bank but to no resolution from the bank. I have filled a application in the Banking Ombudsman Offices, Consumer court also . Can anyone guide how can I file a RTI against ICICI bank, to get a resolution to my problem with ICICI bank or also any other possible way where I can get the bank to answer my queries.
  14. vijaya.krishna

    Issue Reg. Credit Card

    Hi, I have a some xx bank credit card. While getting that card, marking person told that “Life time free Card”. When a got that card, that xx bank given 30000 of Loan on card. Loan Condition is Like “ If you paid back that Loan with in three months, No interest will be add to the principle”. So, then I was taken that Loan and I paid back within three months. So now, one person made call form that xx bank and he is asking me to pay thee thousand rupees more. So, now what should I do…. Can any one please help me. Thanks, Vijay.
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