Monday, March 20, 2017

OTP FOR ONLINE TRANSACTION BY DEBIT/CREDIT CARDS

I have made following suggestion to RBI:

I understand that 3D secure is compulsory for online payments through debit/credit card. I am facing problem of not getting OTP for many of payments on my mobile. At times mobile may not be handy or net may not be available or not charged or under repair etc. Hence I suggest that 3D secure be made optional for transactions up to Rs.1000/- each. Instead ATM PIN be keyed-in for such small amount transactions [[like at merchant shops POS]. 3D secure for small amount payment online is irritating also. Please consider positively in the interest of common citizen who uses online for small payments.

Wednesday, March 01, 2017

RTI PUSH FOR UNREPLIED/UNATTENDED REPRESENTATION TO BANKS

THE RIGHT TO INFORMATION ACT 2005

    APPLICATION FOR OBTAINING INFORMATION

____________________________________________________________         _____

Date: ________                                                        By hand delivery/Speed AD post

To      

Asstt Central Public Information Officer [ACPIO]//Branch Head,

Name of Bank: _____________

Name of Branch: ___________

Address of Branch__________


1. Name of Applicant:  
  

2. Address of applicant with mobile number and email ID [if any]:


3. Particulars of information required:  As per list annexed.

4. Payment of filing fees

IPO/s No: ________________ total for Rs.10 in favour of your bank payable at place

where this application is submitted/mailed to.
.
5. I am a citizen of India. Please rush information to me by speed / registered
   
Post only.  Please reply in English. I am retired employee of your Bank with

employee No. _________



Encls: as above                                                                 Signature of Applicant
__________________________________________________________________     

List of information required relating to my representation/s dated _______ [self attested photocopies enclosed] and reminders dated ______,_______[self-attested photocopies attached]connected to ____________ [mention subject]

01. Dates of receipt of my representation and reminders by its addressee office and inward numbers.

02. Daily progress from dates of receipt till date of this RTI application.

03. Names, designations, office addresses, email IDs, official mobile numbers of officers with whom my said representation/s and reminders were pending during above period and date wise period with each officer and details of action taken by him/her.

04. Number of days within which matter of representation should have been resolved according to circulars rules or citizens charter or any other order or public service guarantee enactment. Please also provide  certified photocopy thereof limiting to relevant paragraphs.

05. Details of action taken by controlling authority against erring officials, if officials have not adhered to prescribed time limit mentioned..

06. If no action has been initiated as above, reasons on record with names, designations and contact details of controlling authority of these officials. [Ref: section 4.1.d of RTI Act]

07. Present status and date by which this matter will be completely resolved.

08. File notings held on my said representation.

09. Name, designation and address of Nodal Officer designated to receive and decide on notices under section 80 of CPC relating to your office.

10 Reasons on record for undue delay in deciding on my representation/s and reminders [section 4.1.d]

11.  Please permit me inspection of relevant records with assistant of my choice.


Name of applicant_________________                              Signature of Applicant


Short guidelines for applying [not to be attached to RTI application]:

1. Do not ask questions but seek information.

2.  Following banks have facility of accepting RTI applications and appeals by their branch heads:

State Bank of India, Bank of India, Dena Bank, Canara Bank, Andhra Bank, Oriental Bank of Commerce, Central Bank of India, Punjab National Bank, State Bank of Travancore, State Bank of Mysore, State Bank of Hyderabad, Reserve Bank of India. IDBI Bank,
State Bank of Indore, Union Bank of India,

Submission at branch will save postal charges.

 3. Following banks have ACPIO/CPIO at Regional Office or Zonal Office or Circle Office only and branch heads are not in picture for RTI matters:

United Bank of India, Syndicate Bank, Bank of Baroda, UCO Bank, Punjab & Sind Bank, State Bank of Patiala, Indian Bank, Corporation Bank, Bank of Maharashtra, Allahabad Bank. Vijaya Bank.

For these banks RTI application has to be mailed/submitted to nearest R.O./Z.O./H.O. Details are in RTI link of website of bank. If you do not know or get details simply mail by post to nearest R.O. or Zonal Office

4. ACPIO/Br Head will decide where concerned CPIO is posted and mail application within 5 days to CPIO under advice to you.

5. Since majority of matter of retirees pertains to retiral benefits, it is advisable to directly address RTI application and mail by post to CPIO at HO. It can be addressed and mailed as under:

To,
Central Public Information Officer,
Name and address of Bank HO.

No need to mention any department at HO. This CPIO at HO will collect information requested by you from its locations and provide to you or alternatively he may advise CPIOs at R.O./Z.O to provide from their end to you under advice to CPIO, HO

6. IPO [Indian postal order available at post offices] should be as per details at clause 4 of RTI application. If mailing by post to HO, IPO should be payable at place of HO

7. Retain photocopy of entire set including IPO etc mainly for appeals.

8. Track delivery of envelope, if RTI application is mailed by post by visiting www.indiapost.gov.in and copy results of tracking on computer.

9. If delivered to branch head, obtain dated acknowledgement with rubber stamp on photocopy of RTI application.

10. RTI application can be delivered to any branch of your bank and not necessarily to branch connected to subject of representation. If not possible to visit personally, it can be mailed by local speed/registered post to addressee branch head

11. Pay additional charges to CPIO when requested by him by bank draft/pay order/IPO towards photocopying charges @Rs.2/- per A-3/4 size paper if you have asked for copies of record etc. Information on CD will cost Rs.50/- per CD. Postage above Rs.50 is chargeable.

12. If you do not receive reply within 40 days from mailing, including postal time of 10 days-both sides, prepare to file first appeal. You have 30 days time from the date when information should have reached you, for filing first appeal. For first appeal please refer RTI link in my blog at www.jps50.blogspot.in. 

 If you receive reply and are not satisfied with it, then within 30 days of receipt of reply by you, you should file first appeal as above pointing defect in reply by CPIO query-wise.


13. You can now also e-file RTI applications to few banks by visiting www.rtionline.gov.in. Some banks have facility of e-filing in their websites. You may just attach above RTI application in link provided for e-filing. Rs.10 can be paid by debit/credit card or net banking. Remaining banks are in process of adding them to online-RTI portal. There is facility to attach papers in pdf format to uploaded RTI application.

14. It Is advisable to send at least 2 reminders to representation in gap of 30 days, before invoking RTI Act.

_______________________________________________________________________