Thursday, January 05, 2017

FIRST APPEAL ADDENDUM

The RIGHT TO INFORMATION ACT 2005


FROM:
Name of Appellant:
Address of Appellant:
Mobile No:
Email ID [if any]: ________________________________________________________________

Date: ________                                                                   Speed Post and email      

To,
Designation of FAA: __
Address of FAA:
Email ID [if available]:

Dear Sir,

Subject: RTI APPLICATION DATED ________ First Appeal Addendum

I had submitted captioned RTI application to CPIO, ____________,  Since I did not receive information within stipulated time, I filed first appeal dated __________ to you for deemed refusal. I received information after mailing first appeal for deemed refusal on _______[date], vide CPIO reply No. ______ dated ______.

2. Being aggrieved by CPIO’s reply dated ________, I file this addendum to first appeal dated ________, based on quality and quantity of information supplied, for your kind adjudication based on following averments:

Query No. __

{Mention query-wise deficiency in information supplied}

My first appeal dated ________for deemed refusal has not been replied so far.

3. I add that under section 19.5 of RTI Act the onus to justify replies rests with CPIO.  Under section 20.1 the burden of proving that CPIO acted reasonably and diligently is enjoined on CPIO. He should be put to strict test to this effect in hearing of this appeal. Please provide me minutes of hearing of this appeal.

 4. Prayers:

a. Please supply or order to be supplied correct, relevant and complete information as sought by me free of cost.

b. CPIO be required to justify under Service Rules transgression of law passed by Parliament. In addition to transgression of duties statutorily clamped on CPIO under RTI Act 2005, CPIO violated my human rights [pursuant to United Nation’s Universal Declaration of Human Rights dated 10-12-1948, to which India is one of the signatories], fundamental right under article 19.1.a as well as consumer rights under The Consumer Protection Act 1986 [section 2.1.o].

c. I be compensated Rs. _______/- for avoidable delay, inconvenience, mental and emotional agony in supply of information.

d. Please refer decisions of CIC as under:

CIC/WB/A/2010/000826 dated 05-01-2011
CIC/SM/A/2011/001199/SG/15056 dated 05-10-2011
CIC/DS/A/2011/004412 dated 27-08-2012
CIC/MP/A/2014/001340 dated 18-05-2015 [DFS-MoF]
CIC/SA/C/2014/000363 dated 26-03-2015 [DFS-MoF]

5. Hearing: I do not intend to attend hearing and decision may be taken based on material on record and my above averments.

6. I am enclosing self attested photocopies of:

 A] RTI application B] First appeal for deemed refusal C] Reply of CPIO

Yours faithfully,

[_______________]

Encls: as above



Monday, January 02, 2017

Safety of ATM Transactions-DIGITAL INDIA

Date: 30-12-2016                 REMINDER-IV                                              by email

To,
Chief General Manager
Consumer Education and Protection Department
Reserve Bank of India

Mumbai-400 001

Respected Sir,

Subject: Suggestion for Safety of ATM Transactions-DIGITAL INDIA

This bears reference to Oct 2016 massive cyber attack/data breach in banking system mainly ATMs of premier banks. Huge amount has been defrauded at ATMs. I had made suggestion as per my attached letter dated 19-04-2015 [reminded on 01-03-2016, 10-07-2016 and 20-10-16]. I hope suggestion, if it would have been implemented by RBI/NPCI, could have saved crores of rupees of customers using ATMs. Now most of premier banks will force customers to approach consumer fora and wait for years to get back amount defrauded if they are lucky enough. I am sure RBI and NPCI are still studying my suggestion and hope it will be implemented in near future for safety of ATM transactions. This may kindly be treated as FOURTH reminder in the interest of public.

I am sure with Digital India initiative of Hon’ble Prime Minister, large number of citizens [including illiterate/semiliterate customers and villagers] would be using ATMs. Present security is open to large number of frauds and banks will make such customers run from pillars to posts for being lucky to get their money back, including compensation mandated by RBI. A small change in system will save common citizens from being defrauded and mostly such customers will stand to lose as Govt system in our country is not yet customer-centric at ground level at least for common Indians. Bank officers are enjoying predicament of defrauded customers. I have been helping such customers and my experience is not at all happy when dealing with Banks.


I may add that banks have such OTP system for online payments through debit/credit cards. In addition recently yahoo mail has also implemented it for password. Gmail is also providing such security by sending OTP if one desires such security.  My suggestion may be made optional for ATM withdrawals.

Please consider my suggestion at the earliest before large number of citizens loses their hard earned money.

I wish you happy and prosperous 2017.


Yours faithfully,
J P Shah

Copies to: 

1. National Payments Corporation of India
C-9,8th Floor  RBI Premises,
Bandra-Kurla Complex,
Bandra (East), Mumbai-400 051
.
2. Secretary
Department of Financial Service,
Ministry of Fiance,
3rd Floor, Jeevan Deep Building,
Sansad Marg, New Delhi-110001
Email: secy-fs@nic.in 
 – I hope you would be in a position to sensitize RBI and NPCI in this matter



Thursday, October 27, 2016

ATM FRAUD

Date: 27-10-2016                                             by email and posted on website of RBI

To,
Chief General Manager
Consumer Education and Protection Department
Reserve Bank of India
1st Floor, Amar Building, Sir P.M. Road, Mumbai-400 001

Respected Sir,

Subject: Suggestion for Safety of ATM Transactions

This bears reference to recent massive cyber attack/data breach in banking system mainly ATMs of premier banks. Huge amount has been defrauded at ATMs. I had made suggestion as per my attached letter dated 19-04-2015 [reminded on 01-03-2016 and 10-07-2016]. I hope suggestion, if it would have been implemented by RBI/NPCI , could have saved crores of rupees of customers using ATMs. Now most of premier banks will force customers to approach consumer fora and wait for years to get back amount defrauded. I am sure RBI and NPCI are still studying my suggestion and hope it will be implemented in near future for safety of ATM transactions. This may kindly be treated as THIRD reminder in the interest of public.
Yours faithfully,
J P Shah

Copy to:  National Payments Corporation of India
C-9,8th Floor  RBI Premises, Bandra-Kurla Complex,
Bandra (East), Mumbai-400 051 [on its website.]


Tuesday, October 18, 2016

RTI ACTIVIST IN MUMBAI SHOT DEAD

It is advisable to obtain from his family members RTI applications filed by him which lead to killing and post on social media and email to at least 25 RTI activists all over India from different States, with a request to file similar RTIs to same public authority and on receipt of information, upload on social media and by emails to activists. Thus next time killers of RTI activists will think twice, as information will be made public on social media sooner or later. Let us not expect govt to take initiative to ensure that in case of murder or physical harm to RTI applicants, information should be uploaded on website of public authority and SIC/CIC. Majority politicians and senior bureaucrats are hand in glow with such antisocial elements.

Friday, October 14, 2016

NEW WEBSITE OF CIC

To, Secretary CIC                                       Date: 14-10-2016
Further to my feedback dated 07-10-2016 posted on new website, I bring to your kind notice that in new website, decisions get downloaded when “view pdf” is clicked. Thus all decisions are required to be necessarily downloaded by visitor. In old website, there was option of downloading or not after perusing decision. My additional suggestion would be to continue to provide option to visitor to download or not [only read] after  opening decision. Downloading requires time and cost to visitors.

14-10-2016
-Posted on feed back link of new website of CIC