tag:blogger.com,1999:blog-42934827002237751282024-03-05T20:26:25.204+05:30J.P. SHAH BLOGSJ. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.comBlogger235125tag:blogger.com,1999:blog-4293482700223775128.post-44136737684275045842019-08-15T16:05:00.000+05:302019-08-15T16:10:46.285+05:30PENDENCY OF COMPLAINTS AT INSURANCE OMBUDSMAN [IO],AHMEDABAD & SUGGESTIONS<div dir="ltr" style="text-align: left;" trbidi="on">
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">J P SHAH,<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">202 Velamani
Residency,<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">9A Vrindavan
Park Soc, <o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">VADODARA
GUJARAT 390008<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">Email ID: </span></b><a href="mailto:jpshah50@yahoo.co.in"><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">jpshah50@yahoo.co.in</span></b></a><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;"> <o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">Cell:
9924106490<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">___________________________________________________________________<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;"><span style="mso-tab-count: 1;"> </span>SENIOR
CITIZEN WITH FATAL LIVER DISEASE<span style="mso-tab-count: 1;"> </span>DATE:<span style="mso-spacerun: yes;"> </span>15-08-2019<span style="mso-tab-count: 1;"> </span><span style="mso-tab-count: 1;"> </span><span style="mso-tab-count: 1;"> </span><span style="mso-tab-count: 2;"> </span><o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;"><span style="mso-tab-count: 9;"> </span><o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">To,<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">Chairman,<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">Executive Council of Insurers,<span style="mso-tab-count: 5;"> </span></span></b><b style="mso-bidi-font-weight: normal;"><u><span style="font-size: 14.0pt;">By email <o:p></o:p></span></u></b></div>
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<b><span style="font-size: 14.0pt;">3rd Floor, Jeevan Seva Annexe,</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;"><o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">S. V. Road, Santacruz [west]<span style="mso-spacerun: yes;"> </span>Mumbai 400054</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;"><o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">email ID: </span></b><a href="mailto:inscoun@ecoi.co.in"><b><span style="font-size: 14.0pt;">inscoun@ecoi.co.in</span></b></a><b><span style="font-size: 14.0pt;"><o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">Dear Sir,<o:p></o:p></span></b></div>
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<b><u><span style="font-size: 14.0pt;">PENDENCY OF COMPLAINTS AT INSURANCE OMBUDSMAN [IO],AHMEDABAD
& SUGGESTIONS<o:p></o:p></span></u></b></div>
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<b><u><span style="font-size: 14.0pt;">Greeting on INDEPENDENCE DAY. <o:p></o:p></span></u></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">I understand
per your RTI reply dated 22-07-2019 that nearly 2600 complaints are pending
with Insurance Ombudsman Ahmedabad [IOA for brevity] due to vacancy of post of
IOA since 21-07-2014, though there is visiting IO for few days in a month/fortnight.<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">2. Reckoning
that IOA decides 5-7 complaints per day on an average and works for 20 days a
month [excluding Sundays/Saturdays/Holidays/Leave etc], it will take nearly two
years to clear the backlog. In addition there will be equal number of new
complaints in these two years. Thus pendency will continue to be around 2500
equal to 2 year period against mandated 90 days as per IO rules. <o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">3. Many of
complainants may be senior citizens and this killing pendency is putting them
in financial and mental tension at the fag end of their lives. Some will
unfortunately not get decision/award during their life time. Thus the very
purpose of IO scheme of speedy and cost-effective disposal of complaints
against insurance companies is mercilessly butchered, more so for senior
citizen insureds in Gujarat. Most complaints will get time barred for complaints
under CPA 1986/2019 [if decision is not satisfactory] putting further loss to
insureds for no fault on their part and undue gain to insurance companies. <o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">4. Such
pendency also undermines Central and State Govt’s Insurance Covers to masses
under welfare measures initiated by Hon’ble Prime Minister.<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">5. This
being pitiable condition of IOA, while I am sure ECOI and IRDAI are capable to resolve
it in the interest of insureds, I humbly suggest that even after posting
permanent IOA latest by Aug 2019-end, the visiting IO should continue for few
days in a week/fortnight at Ahmedabad till pendency is reduced to 180 days if
not mandated 90 days as per IO Rules.<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">6.
Alternatively, I suggest that complaints of senior citizens should be
separately listed for priority hearing and disposal by IOA and 1 or 2 days in a
week/fortnight should be exclusively reserved for hearing and disposal of
complaints of insureds who are senior citizens at the time of filing. The life
time of senior citizens is fast running out.<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">7. Please
take suitable action urgently specially for AIO.<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">8. To make
IO Scheme more user friendly and effective, I also suggest: <o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">a] appeal
mechanism like Banking Ombudsman, <o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">b] on line
filing of complaints and video or audio hearing on mobile like CIC/some SICs [Digital
initiative of Central Govt and ease of living]. CPA will fully go online
shortly as per new CPA 2019 BILL.<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">c] Provision
of Internal Ombudsman [as prevailing in banks under RBI directives] for all
Insurance Companies. This is successful in Banking Sector. <o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">d] Circuit
benches at various places other than State capitals. <o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">e] President
or Chairman of two leading NGOs working in consumer protection be included in
Council of ECOI, as there is no representation of insureds at present in the
Council.<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">I hope you
will respect principle of “Ease of Living” as pronounced in today’s
independence speech by hon’ble Prime Minister. This was also quoted by hon’ble
Finance Minister in her budget speech of 2019.<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">Thanking
you, <o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">Yours
faithfully, <o:p></o:p></span></b></div>
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<b><span style="font-size: 13.0pt; line-height: 115%; mso-bidi-font-size: 11.0pt;">J P SHAH<o:p></o:p></span></b></div>
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<b><span style="font-size: 13.0pt; line-height: 115%; mso-bidi-font-size: 11.0pt;">Copies by
email to:<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">1. Insurance Regulatory and Development Authority of
India<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;"><span style="mso-spacerun: yes;"> </span>Gachibowli, <span style="mso-spacerun: yes;"> </span>Hyderabad – 500032 <span style="mso-spacerun: yes;"> </span> <o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">e-mail: </span></b><a href="mailto:irda@irda.gov.in"><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">irda@irda.gov.in</span></b></a>
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">–with a
request to kindly intervene in the interest of insureds, specially senior
citizens <o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">2. Secretary, Dept of Consumer Affairs, Ministry of
Consumer Affairs, food and public distribution, GoI, New Delhi Email: </span></b><a href="mailto:secy-ca@nic.in"><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">secy-ca@nic.in</span></b></a><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;"><o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">--Consumers of Insurance Cos are adversely affected.<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">3.<span style="mso-spacerun: yes;"> </span>Secretary,
Dept of Financial Services, Ministry of Finance, GoI, New Delhi <span style="mso-spacerun: yes;"> </span>Email: </span></b><a href="mailto:secy-fs@nic.in"><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">secy-fs@nic.in</span></b></a><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;"> <span style="mso-spacerun: yes;"> </span>-Please expedite solution.<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">4. </span></b><span style="mso-spacerun: yes;"> </span><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">Secretary,<span style="mso-spacerun: yes;"> </span>Dept of Social Justice and Empowerment,
Ministry of Social Justice and empowerment, GOI, New Delhi</span><span style="mso-spacerun: yes;"> </span></b><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">email: </span></b><a href="mailto:secywel@nic.in%20%20%20%20%20%20%20%20%20%20%20%20%20%20%20Please"><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">secywel@nic.in<span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>Please</span></b></a><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;"> intervene
as senior citizens<span style="mso-spacerun: yes;"> </span>are affected
adversely<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">5. Consumer Education and Research Centre, Thaltej,
Ahmedabad-380054<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">EMAIL: </span></b><a href="mailto:cerc@cercindia.org"><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">cerc@cercindia.org</span></b></a><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;"><o:p></o:p></span></b></div>
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J. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.com4tag:blogger.com,1999:blog-4293482700223775128.post-45091123295541774232019-04-15T15:26:00.001+05:302019-04-15T15:50:46.388+05:30FRAUDS AT BANK ATMs<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-size: large;">15-04-2019</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Please refer following link in connection with cash withdrawal at ATM without debit card:</span><br />
<span style="font-size: large;"><br /></span>
<a href="https://economictimes.indiatimes.com/wealth/save/heres-how-you-can-withdraw-cash-without-using-credit-or-debit-card-at-these-3-banks-atms/articleshow/68811216.cms?from=mdr"><span style="font-size: large;">https://economictimes.indiatimes.com/wealth/save/heres-how-you-can-withdraw-cash-without-using-credit-or-debit-card-at-these-3-banks-atms/articleshow/68811216.cms?from=mdr</span></a><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">This was suggested to RBI on 19-04-2015 by me and after long follow up RBI forwarded to NPCI and after my chasing RBI/NPCI to implement or show reasons why it cannot be implemented, it has been NOW implemented for three banks [may be on trial and to gain experience before all banks are made to follow], with minor changes to my suggestion. This system will stop ATM frauds by cloning of card and skimming PIN number. A OTP received on phone will ensure full safety of customers money.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">I reproduce first letter dated 19-04-2015 addressed to RBI:</span><br />
<span style="font-size: large;"><br /></span>
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<b><span style="font-size: large;">Date: 19-04-2015 by email and posted on website of RBI<o:p></o:p></span></b></div>
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<span style="font-size: large;"><br /></span></div>
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<b><span style="font-size: large;">To,<o:p></o:p></span></b></div>
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<span style="font-size: large;"><b><span style="background: white; font-family: "arial" , sans-serif;">Chief General Manager</span></b><b><span style="font-family: "arial" , sans-serif;"><br />
</span></b><a href="https://www.rbi.org.in/scripts/AboutUsDisplay.aspx?pg=Depts.htm#CEPD1"><b><span style="font-family: "arial" , sans-serif;">Consumer Education and Protection
Department</span></b></a><b><span style="font-family: "arial" , "sans-serif";"><br />
<span style="background: white;">Reserve Bank of India</span><br />
<span style="background: white;">1st Floor, Amar Building, Sir P.M. Road,<o:p></o:p></span></span></b></span></div>
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<span style="font-size: large;"><b><span style="background: white; font-family: "arial" , sans-serif;">Mumbai-400 001</span></b><b><o:p></o:p></b></span></div>
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<span style="font-size: large;"><b>Email: </b><a href="mailto:helpdoc@rbi.org.in"><b>helpdoc@rbi.org.in</b></a><b><o:p></o:p></b></span></div>
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<span style="font-size: large;"><br /></span></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: large;">Respected Sir,<o:p></o:p></span></b></div>
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<span style="font-size: large;"><br /></span></div>
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<b><u><span style="font-family: "arial" , "sans-serif"; font-size: large;">Subject: Suggestion
for Safety of ATM Transactions<o:p></o:p></span></u></b></div>
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<span style="font-size: large;"><br /></span></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: large;">For on line payment
by debit/credit cards customers get One Time Password [OTP] on registered
mobiles before making payment. I suggest that same system be adopted for ATM
cash withdrawals. Customers should send particular SMS message [say “ATM”] from
registered mobile to a particular number given by bank. In few minutes customer
should get SMS informing him of OTP, which should be valid for 15 minutes. Cash
should be dispensed only when OTP is keyed in ATM, in addition to PIN. This
will stop ATM frauds by cloning of cards and skimming of PINs.<o:p></o:p></span></b></div>
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<span style="font-size: large;"><br /></span></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: large;">I handled similar
fraud case of my friend and it took one year for SBI to refund the amount,
after prolonged correspondence from Branch up to Chairperson, 7 RTI
applications and three first appeals. Hence this suggestion.<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: large;">Yours faithfully,<o:p></o:p></span></b></div>
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<span style="font-size: large;"><br /></span></div>
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<span style="font-size: large;"><br /></span></div>
<span style="font-size: large;"><b style="text-align: justify;"><span style="font-family: "arial" , "sans-serif";">J P Shah</span></b>.</span></div>
J. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.com0tag:blogger.com,1999:blog-4293482700223775128.post-65273044737237749282019-03-14T11:17:00.003+05:302019-03-14T11:20:19.121+05:30VACANT POSTS OF INSURANCE OMBUDSMAEN<div dir="ltr" style="text-align: left;" trbidi="on">
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<b><u><span style="font-size: 14.0pt;">EMAIL<o:p></o:p></span></u></b></div>
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<b><span style="font-family: "aharoni"; font-size: 16.0pt;">To,<span style="mso-spacerun: yes;"> </span>Secretary General, ECoI,
<o:p></o:p></span></b></div>
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<a href="mailto:inscoun@ecoi.co.in"><b><span style="font-family: "aharoni"; font-size: 16.0pt;">inscoun@ecoi.co.in</span></b></a><b><span style="font-family: "aharoni"; font-size: 16.0pt;"><o:p></o:p></span></b></div>
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<b><span style="font-family: "aharoni"; font-size: 16.0pt;">consumerfeedback@@irda.gov.in<o:p></o:p></span></b></div>
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<b><span style="font-family: "aharoni"; font-size: 16.0pt;">VACANT POSTS OF INSURANCE OMBUDSMEN<o:p></o:p></span></b></div>
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<b><span style="font-family: "aharoni"; font-size: 16.0pt;">08-03-2019<o:p></o:p></span></b></div>
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<b><span style="font-family: "aharoni"; font-size: 16.0pt;">Above posts are
vacant at Ahmedabad, Bhubaneshwar, New Delhi, Kolkatta, Lucknow, Gautam Buddh
Nagar,<span style="mso-spacerun: yes;"> </span>Patna and Pune totaling to eight
posts as per your website. This causes delay and insured/claimant may lose
claim amount if claim becomes time barred at Consumer Forum due to delay if the
decision of Ombudsman is against him. I humbly request to kindly fill-in vacant
posts of Insurance Ombudsman to ensure “achhe din”<o:p></o:p></span></b></div>
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J. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.com0tag:blogger.com,1999:blog-4293482700223775128.post-59200375948072360682018-09-07T16:32:00.000+05:302018-09-07T16:32:36.580+05:30INTERNAL OMBUDSMAN [IO] SCHEME- SUGGESTION<div dir="ltr" style="text-align: left;" trbidi="on">
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<b><span style="font-size: 14.0pt;">Date: 06-09-2018<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">To,<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">Chief General Manager,<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">Reserve Bank of India,<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">Consumer Education and Protection
Dept<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">Sir P M Road, Mumbai
400001<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">Email: </span></b><a href="mailto:helpdoc@rbi.org"><b><span style="font-size: 14.0pt;">helpdoc@rbi.org</span></b></a><b><span style="font-size: 14.0pt;">.in<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">Dear Sir,<o:p></o:p></span></b></div>
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<b><u><span style="font-size: 14.0pt;">INTERNAL OMBUDSMAN
[IO] SCHEME- SUGGESTION<o:p></o:p></span></u></b></div>
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<b><span style="font-size: 14.0pt;">Under extant above scheme, the complainant has no
access to IO. Bank is supposed to invariably forward rejected/partly rejected
complaints to IO. The complainant is not even informed of reference to IO,
unless he resorts to RTI Act. This provision of scheme facilitates Bank’s lower
level officer not to refer complaints to IO.<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">In one of the complaints of my relative against PSB,
the matter does not appear to have been referred to IO, till receipt of RTI
application seeking interalia information on reference to IO. <o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">If complainant is not informed of reference to IO or
pending with IO, customer may proceed to BO/Consumer Forum, which will
frustrate one of the aims of above scheme.<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">My humble suggestions to make aforesaid scheme
effective and really customer-centric are as under:<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">1. Public should be informed of IO [name, designation,
postal address and email ID] through bank’s website/passbook or monthly
statement of account/notice board at branches.<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">2. Whenever GM/PNO refers complaint to IO, copy of
covering letter should be marked to complainant.<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">3. IO should provide opportunity for hearing [by
mobile/phone] or written submission of complainant. My relative had received
mobile call from IO when he was deciding the complaint.<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">4. Condition that customer can approach BO only after
complaint is decided by IO, be deleted. This is anti-consumer and restrictive.<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">5. Time limit be fixed for reference to IO by bank and
for IO to decide, or else complaint may be time-barred at BO level/consumer
forum.<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">6. Decision of IO should necessarily be signed by IO.<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">7.<span style="mso-spacerun: yes;"> </span>At present
Bank’s executive acts as IO.<span style="mso-spacerun: yes;"> </span>Retired
General Manager/Executive Director of <u>other Bank</u> or retired Judicial
Officer may be considered as IO to avoid conflict of interest. Such IO be paid
per complaint decided by him.<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">In the present form, the scheme will not be of any
effect nor enjoy confidence of public. It will be just one more layer in
grievance handling mechanism and cosmetic.<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">Please consider suggestions positively.<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">Yours faithfully,<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">J P Shah<o:p></o:p></span></b></div>
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J. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.com1tag:blogger.com,1999:blog-4293482700223775128.post-20748827124893756252018-02-19T09:57:00.000+05:302018-02-19T09:57:06.499+05:30DENTAL SURGERY IN DENTAL CLINIC AS DAY CARE PATIENT- INSURANCE COVER UNDER IBA GROUP POLICY FOR RETIREES<div dir="ltr" style="text-align: left;" trbidi="on">
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<u><span style="font-size: 16.0pt; line-height: 115%;">DENTAL SURGERY IN DENTAL CLINIC AS DAY CARE PATIENT- INSURANCE COVER UNDER IBA GROUP POLICY FOR RETIREES<o:p></o:p></span></u></div>
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<u><span style="font-size: 16.0pt; line-height: 115%;"> </span></u><span style="font-size: 16.0pt; line-height: 115%;"> <u>Guidance Note<o:p></o:p></u></span></div>
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<span style="font-size: 14.0pt; line-height: 115%;"> Large number of bank retirees are having doubt if dental surgery/treatment performed / taken in a private dental clinic [not hospital] under day care is covered by IBA Group Insurance Policy or not. In most of cases such claims are denied by TPA/Insurance Co as treatment is not taken in a hospital. My humble opinion is that such claims are payable even if treatment/surgery is taken/performed in a private dental clinic, subject to following conditions, based on clauses 2.9, 2.10 and 3.3 of insurance policy:<o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 115%;">01. Treatment /surgery should be administered/performed by a qualified and registered doctor [say BDS/MDS etc] <o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 115%;">02 Clinic should be registered with local municipal authorities, wherever it is legally required to register.<o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 115%;">03. It could be a department of a registered hospital rather than stand alone facility/unit.<o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 115%;">04. It should have qualified nurses.<o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 115%;">05. In-charge of Unit should be qualified in dentistry [say BDS/MDS].<o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 115%;">06. Unit should have fully equipped operation theatre of its own where surgical procedure is carried out.<o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 115%;">07. Unit should maintain daily record of patients which should be made accessible to Insurance Co staff.<o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 115%;">08. Medical treatment and surgical procedures are covered.<o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 115%;">09. Treatment/procedure should be done with local or general anesthesia.<o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 115%;">10. Treatment/procedure should be done in a dental clinic or day care centre. Dental clinics are treated as day care centre in my opinion.<o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 115%;">11. Treatment/procedure may require less than 24 hours due to technological advancements in medical treatment of diseases. Hence visits for treatment/procedure for few hours per day on various different days should be covered.<o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 115%;">12. But for technological advancements, the treatment/procedure/surgery would have required hospitalization of more than a day.<o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 115%;">13. Treatment taken as OPD patient will not generally be covered. <o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 115%;">14. List of treatment/procedure at clause No. 7 of insurance policy covers dental surgery.<o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 115%;">15. It is advisable to obtain attached certificate along with Form-B of claim form, self attested photocopy of treating doctor’s final degree certificate and municipal registration license of day care centre/clinic, whenever dental treatment is taken in a private dental clinic as day care patient.<o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 115%;">[Compiled for guidance of bank retirees by J P Shah, RTI & Consumer Activist]<o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 115%;">Blog: </span><a href="http://www.jps50.blogspot.in/"><span style="font-size: 14.0pt; line-height: 115%;">www.jps50.blogspot.in</span></a><span style="font-size: 14.0pt; line-height: 115%;"> 12022018<o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 115%;"> <o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 115%;">Format of certificate…………….<o:p></o:p></span></div>
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<u><span style="font-size: 14.0pt; line-height: 115%;"> </span></u><span style="font-size: 14.0pt; line-height: 115%;"> <o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;"> <u>CERTIFICATE<o:p></o:p></u></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;"> This is to certify that following patient has undergone dental treatment/surgical procedure in this clinic /day care centre for his dental disease:<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;">Name of patient: Gender & Age of patient:<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;">Address of patient: Patient No:<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;">Particulars of disease:<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;">Details of treatment /procedure:<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;">Period of treatment / procedure:<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;">Dates of visits to dental clinic/centre Arrival Time Period [in hours]<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;">a.<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;">b.<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;">c.<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;">Total amount charged as per details in bill: Rs.__________ <o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;">Treatment / procedure was administered/performed by a doctor qualified in dentistry, assisted by qualified nurses, under local anesthesia. He was day care patient for this day care centre/clinic and NOT out door patient. This centre/clinic is registered with municipal authorities.<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;">Rubber stamp: SIGNATURE OF TREATING DOCTOR<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;"> Name:<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;">Date: Qualifications:<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;">Countersign: Registration No: <o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;">In-charge Doctor of day care centre / clinic [if not treating doctor]<o:p></o:p></span></div>
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J. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.com2tag:blogger.com,1999:blog-4293482700223775128.post-88350461431662311842017-12-09T17:09:00.000+05:302017-12-09T17:13:17.155+05:30INDIAN BANK ASSOCIATION [IBA] UNDER RTI ACT: CIC<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><b>Central Information Commission has declared Indian Bank Association [IBA] as a public authority under RTI Act, vide its two orders No. CIC/MP/C/2015/000044 AND CIC/MP/C/2016/000103 both dated 13-11-2017. This is a landmark decision and unless there is stay order from Court, one can seek information from IBA under RTI Act 2005.</b></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><b>I am happy that I was closely associated with the complaint to CIC of Mrs Ita Bose of Lucknow along with other like-minded RTI activists. It was a herculean task of nearly 3 years by our team to collect information from various public sector banks and Ministry of Finance and from other sources, to prove that IBA is a public authority under RTI Act. </b></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><b>In all probability, these orders will be challenged in High Court and stay order would be prayed. </b></span></div>
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J. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.com0tag:blogger.com,1999:blog-4293482700223775128.post-42862772270693729712017-08-15T19:17:00.002+05:302017-08-15T19:22:44.199+05:30Collection of information by public authority from private entity<div dir="ltr" style="text-align: left;" trbidi="on">
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<b><u><span style="font-family: "arial black" , "sans-serif"; font-size: 14.0pt;">Collection of information by public authority from private entity<o:p></o:p></span></u></b></div>
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<b><span style="font-family: "arial black" , "sans-serif"; font-size: 14.0pt;">Section 2f of RTI Act 2005-Information of private entities [to which RTI Act is not directly applicable] to be provided by public authorities/Regulators which control such private entities. There are two contradictory judgments of Hon’ble Supreme Court. However later in date judgment should be effective.<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial black" , "sans-serif"; font-size: 14.0pt;">Some regulators especially RBI is quoting judgment dated 09-11-2011 to deny collection and supply of information held by a private entity. Subsequent judgement dated 07-10-2013 is bypassed as it is pro-information seeker.<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial black" , "sans-serif"; font-size: 14.0pt;">I am appending verbatim relevant paragraphs of two judgements and source of these paragraphs. Please make use of judgment dated 07-10-2013 in first or second appeal or as a note in RTI application itself.<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial black" , "sans-serif"; font-size: 14.0pt;">Source: <o:p></o:p></span></b></div>
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<b><span style="font-family: "arial black" , "sans-serif"; font-size: 14.0pt;">CENTRAL INFORMATION COMMISSION<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial black" , "sans-serif"; font-size: 14.0pt;">File No. CIC/BS/A/2013/000389+000421+000692/5281<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial black" , "sans-serif"; font-size: 14.0pt;">Date of Decision: 06 June 2014<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial black" , "sans-serif"; font-size: 14.0pt;">Mr. Akshay Kumar Malhotra v/s </span></b><b><span style="font-family: "arial black" , "sans-serif"; font-size: 14.0pt;">Telecom Regulatory Authority of India<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial black" , "sans-serif"; font-size: 14.0pt;">EXTRACT from following judgement dated 07-10-2013 in case of CIVIL APPEAL NO. 9017 OF 2013 (Arising out of SLP (C) No.24290 of 2012):<o:p></o:p></span></b></div>
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<b><span style="color: red; font-family: "arial black" , "sans-serif"; font-size: 14.0pt;">“Hon’ble Supreme Court in its subsequent decision dated 07.10.2013 in the case of Thalappalam Ser. Coop. Bank Ltd. and others versus State of Kerala, relevant extracts whereof are as hereunder:<o:p></o:p></span></b></div>
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<b><i><span style="font-family: "arial black" , "sans-serif"; font-size: 14.0pt;">“52. Registrar of Cooperative Societies functioning under the Cooperative Societies Act is a public authority within the meaning of Section 2(h) of the Act. As a public authority, Registrar of Co-operatives Societies has been conferred with lot of statutory powers under the respective Act under which he is functioning. He is also duty bound to comply with the obligations under the RTI Act and furnish information to a citizen under the RTI Act. Information which he is expected to provide is the information enumerated in Section 2(f) of the RTI Act subject to the limitations<o:p></o:p></span></i></b></div>
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<b><i><span style="font-family: "arial black" , "sans-serif"; font-size: 14.0pt;">provided under Section 8 of the Act…………………………………………<o:p></o:p></span></i></b></div>
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<b><i><span style="font-family: "arial black" , "sans-serif"; font-size: 14.0pt;">………………………………………….<o:p></o:p></span></i></b></div>
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<b><i><span style="font-family: "arial black" , "sans-serif"; font-size: 14.0pt;">Consequently, apart from the information as is available to him, under Section 2(f), he can also gather that information from the Society, to the extent permitted by law. Registrar is also not obliged to disclose those information if those information fall under Section 8(1)(j) of the Act</span></i></b><b><i><span style="font-family: "arial black" , "sans-serif"; font-size: 14.0pt;">.<o:p></o:p></span></i></b></div>
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<b><i><span style="font-family: "arial black" , "sans-serif"; font-size: 14.0pt;">…………………………………………………………………………<o:p></o:p></span></i></b></div>
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<b><i><span style="font-family: "arial black" , "sans-serif"; font-size: 14.0pt; line-height: 115%;">……………………… But the demand should have statutory backing”<o:p></o:p></span></i></b><br />
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<b><span style="font-family: "arial black" , "sans-serif"; font-size: 14.0pt;">EARLIER SC JUDGEMENT EXTRACT:<o:p></o:p></span></b></div>
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<b><span style="color: red; font-family: "arial black" , "sans-serif"; font-size: 14.0pt;">The Supreme Court in <i>CBSE vs. AdityaBandopadhyay, (2011) <o:p></o:p></i></span></b></div>
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<b><i><span style="color: red; font-family: "arial black" , "sans-serif"; font-size: 14.0pt;">SCC 497, [ decided on 09-08-2011 IN CIVIL APPEAL NO.6454 OF 2011[Arising out of SLP [C] No.7526/2009]] </span></i></b><b><span style="color: red; font-family: "arial black" , "sans-serif"; font-size: 14.0pt;">has held as under:-<o:p></o:p></span></b></div>
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<b><i><span style="font-family: "arial black" , "sans-serif"; font-size: 14.0pt;">63. At this juncture, it is necessary to clear some misconceptions about the RTI Act. The RTI Act provides access to all information that is available and existing. This is clear from a combined reading of Section 3 and the definitions of “information” and “right to information” under clauses (f) and (j) of Section 2 of the Act. If a public authority has any information in the form of data or analysed data, or abstracts, or statistics, an applicant may access such information, subject to the exemptions in Section 8 of the Act. But where the information sought is not a part of the record of a public authority, and where such information is not required to be maintained under any law or the rules or regulations of the public authority, the Act does not cast an obligation upon the public authority, to collect or collate such non-available information and then furnish it to an applicant. A public authority is also not required to furnish information which require drawing of inferences and/or making of assumptions. It is also not required to provide “advice” or “opinion” to an applicant, nor required to obtain and furnish any “opinion” or “advice” to an applicant. The reference to “opinion” or “advice” in the definition of “information” in Section 2(f) of the Act, only refers to such material available in the records of the public authority. Many public authorities have, as a public relation exercise, provide advice, guidance and opinion to the citizens. But </span></i></b><b style="text-align: left;"><i><span style="font-family: "arial black" , "sans-serif"; font-size: 14.0pt;">that is purely voluntary and should not be confused with any </span></i></b><b style="text-align: left;"><i><span style="font-family: "arial black" , "sans-serif"; font-size: 14.0pt;">obligation under the RTI Act.”</span></i></b></div>
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<b><span style="font-family: "arial black" , "sans-serif";">Note: Please refer my article “Private Party under RTI” in my blog www. jps50.blogspot.in at </span></b><a href="https://jps50.blogspot.in/search/label/RTI?updated-max=2009-01-24T18:54:00%2B05:30&max-results=20&start=133&by-date=false"><b><span style="font-family: "arial black" , "sans-serif";">https://jps50.blogspot.in/search/label/RTI?updated-max=2009-01-24T18:54:00%2B05:30&max-results=20&start=133&by-date=false</span></b></a><b><span style="font-family: "arial black" , "sans-serif";"><o:p></o:p></span></b></div>
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<b><span style="font-family: "arial black" , "sans-serif";">15082017<o:p></o:p></span></b></div>
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J. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.com0tag:blogger.com,1999:blog-4293482700223775128.post-35369149154809297482017-07-07T22:13:00.000+05:302017-07-07T22:13:17.281+05:30PROTECTION OF BANK CUSTOMER AGAINST DIGITAL FRAUDS<div dir="ltr" style="text-align: left;" trbidi="on">
I am happy to note that after filing RTI to know status of above issue with RBI and addressing letter dated 29-06-2017 to Dy. Governor RBI with copy to Ministry of Fiance, Dept of Financial Services [which is uploaded on this blog], RBI has issued operative circular dated 06-07-2017 and is uploaded on its website at:<br />
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https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11040&Mode=0<br />
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Citizens have to be alert and chase patiently govt, its department and regulators for sensitizing.</div>
J. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.com0tag:blogger.com,1999:blog-4293482700223775128.post-13166528451896309222017-06-29T12:13:00.000+05:302017-06-29T12:13:27.405+05:30PROTECTION OF CUSTOMERS FROM DIGITAL BANKING FRAUDS<div dir="ltr" style="text-align: left;" trbidi="on">
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Date: 29-06-2017 By Email<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Dy. Governor,<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Reserve Bank of India<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Shahid Bhagat Singh Rd,<o:p></o:p></span></b></div>
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<a href="mailto:helpdbod@rbi.org.in"><b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">helpdbod@rbi.org.in</span></b></a><b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;"><o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Respected Sir,<o:p></o:p></span></b></div>
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<b><u><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Subject: Customer Protection – Limiting Liability of Customers in Unauthorised<o:p></o:p></span></u></b></div>
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<b><u><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Electronnic Banking Transaction.<o:p></o:p></span></u></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">I thank RBI for initiating various steps to protect common customers and ensuring fair treatment to them. However of late I feel process is slowed down to the detriment of common Indian who is now forced to resort to digital banking, with no cover for his protection. Even frauds above Rs.10000 up to Rs.100000/- have been absolved from police complaint/FIR by bank branches, vide CVC circular No. 06/06/17 dated 14-06-2017, if staff is not involved.<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">RBI had issued <u>draft circular</u> No DBR. No.Leg.BC/09.07.0005/2016-17 dated 11-08-2016 for public consultation. Due to digital India initiative of Central Govt and in absence of proper education in digital banking, such frauds have multiplied many folds, specially against house wives, senior citizens, villagers, illiterate or semi literate citizens and those who are not tech-savvy. Lack of protection umbrella to said strata of population will have serious consequences for middle and lower class which may ultimately puncture digital initiative.<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Hence above initiative is need of the hour. However though draft circular was issued in Aug 2016, policy and operative circulars have not been issued by RBI. Vide my enclosed RTI application and its reply, it is clear that RBI is still in process of finalizing the issue. Such delay has already caused financial loss in crores to common citizens and digital frauds in banks are multiplying at alarming rate. I am enclosing two paper cuttings just for your reference. In addition, I know net banking frauds of nearly 80.00 lakhs committed in Rajkot and for Rs.78.00 lakhs in Vadodara [this fraud is reported in Gujarati news papers yesterday and also today]<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">This inordinate delay in issuing policy and operative circular is causing immense tension in using digital banking despite near-compulsory mandate of Govt. for digital financial transactions. I have guided many citizens who lost money due to digital frauds. My experience with Banks had been horrible.<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">I humbly urge to expedite the matter and ensure that system is put in place so that liability of customers for unauthorized electronic banking transactions is reduced to zero.<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Thanking you<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Yours faithfully,<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">J P Shah<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Encls: a/a<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Copy by email to: Addl Secretary [Banking],<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;"> Dept of Financial Services, MoF, New Delhi <o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Email: as-dfs@nic.in<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">–with a request to sensitize RBI for urgent action <o:p></o:p></span></b></div>
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J. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.com1tag:blogger.com,1999:blog-4293482700223775128.post-74839470758790268852017-06-19T17:27:00.001+05:302017-06-19T17:32:08.303+05:30REPORTING OF FRAUDS IN BANKS- CVC DIRECTIVES<div dir="ltr" style="text-align: left;" trbidi="on">
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Date:
19-06-2017<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">To,<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">1.
Central Vigilance Commission, New Delhi<o:p></o:p></span></b></div>
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<a href="mailto:cenvigil@nic.in"><b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">cenvigil@nic.in</span></b></a><b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;"><o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">2.
Reserve Bank of India, Dept of Banking Supervision, Central Office, Mumbai<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">[
on https://www.rbi.org.in/Scripts/helpdesk.aspx]<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Dear
Sirs,<o:p></o:p></span></b></div>
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<b><u><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Subject:
Frauds in Public Sector Banks above Rs.10000 and Below Rs.100000/-<o:p></o:p></span></u></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Vide circular No.
06/06/17 dated 14-06-2017, CVC has advised public sector banks not to report
above frauds to State Police if staff is not involved, in view of practical difficulties
faced by PSBs. This has been decided by CVC in consultation with RBI. Only
internal enquiry is to be conducted by Banks.<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Such a decision will encourage
and facilitate online fraudsters to defraud small depositors in banks
committing each fraud below Rs.100000/- and get immunity from police action,
except if the account holder files complaint or FIR with State Police. Such a
complaint by common man is not taken seriously by Police [practical difficulty
of common man], However, if complaint or FIR is filed by Central Govt entity,
usually it is taken little seriously. With digital India initiative of Govt, such
cyber frauds will increase many folds in near future and common account holder
will be looted without any help. I am attaching two news paper cuttings as
examples. RBI is yet to come out with policy and operative guidelines for zero
liability of victim of fraud. Common man cannot be made to lose his hard earned
money for convenience of Banks.<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Only police has powers
to question transferee banks/wallets of defrauded amount. Similarly only police
can get information of mobile SIM, which is used to get OTP/CVV/password and
details of debit card. PSB has no such power to get the information of accounts
or stop further transfer of defrauded amount. Only police can stop further
transfer or withdrawal from transferee bank/wallet. In absence of this
information fraudsters cannot be located. Hence name, address etc of fraudster
will never come to light and common citizen will not get back amount.<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">This decision is not
in the interest of common account holders and I request CVC and RBI to review
the same. I shall be shortly seeking from CVC and RBI information, which lead
to such anti-citizen decision, under RTI Act<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Copy to: Dept of Fiancial Services, Ministry of Finance, GoI, New Delhi</span></b></div>
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J. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.com1tag:blogger.com,1999:blog-4293482700223775128.post-21935818302013185062017-06-09T13:16:00.002+05:302017-06-09T13:23:08.017+05:30Auto-Renewal of Term Deposit Receipts – Suggestion <div dir="ltr" style="text-align: left;" trbidi="on">
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Date: 07-06-2017 by email <o:p></o:p></span></b></div>
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<b><span style="font-size: 12.0pt;">TO CGM, RBI CONSUMER EDUCATION AND PROTECTION DEPT MUMBAI </span></b><br />
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<b><span style="font-size: 12.0pt;">To,<o:p></o:p></span></b></div>
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<b><span style="background: white; font-family: "arial" , sans-serif; font-size: 12pt;">Chief General Manager</span></b><b><span style="font-family: "arial" , sans-serif; font-size: 12pt;"><br />
</span></b><a href="https://www.rbi.org.in/scripts/AboutUsDisplay.aspx?pg=Depts.htm#CEPD1"><b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt; text-decoration: none;">Consumer Education and Protection Department</span></b></a><b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;"><br />
<span style="background: white;">Reserve Bank of India</span><br />
<span style="background: white;">1st Floor, Amar Building, Sir P.M. Road,<o:p></o:p></span></span></b></div>
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<b><span style="background: white; font-family: "arial" , sans-serif; font-size: 12pt;">Mumbai-400 001</span></b><b><span style="font-size: 12.0pt;"><o:p></o:p></span></b></div>
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<b><span style="font-size: 12.0pt;">Email: </span></b><a href="mailto:helpdoc@rbi.org.in"><b><span style="font-size: 12.0pt;">helpdoc@rbi.org.in</span></b></a><b><span style="font-size: 12.0pt;"><o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Respected Sir,<o:p></o:p></span></b></div>
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<b><u><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Subject: Auto-Renewal of Term Deposit Receipts – Suggestion <o:p></o:p></span></u></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">I have experienced that very few banks convey details of auto-renewal of term deposits to customers either by email or SMS or hard copy. The system of the bank auto-renews as per standing mandate at the time of initial deposit, without giving details of auto-renewed deposit receipt as to rate of interest, maturity value, next due date etc. Thus depositors are in dark as to details of auto renewed term deposit receipts to the customer. Such a situation is anti-consumer and breaches right to know. RBI too will not appreciate such secrecy by banks, when money belongs to depositors and on which banks survive.<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">I humbly suggest that Banks should be advised to mandatorily advise vital information of auto-renewed term deposit by email or SMS or in hard copy. <o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Thanking you,<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Yours faithfully,<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;"> </span></b><b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">J P Shah</span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Copy by email to:<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Consumer Education and Research Centre, Ahmedabad.<o:p></o:p></span></b></div>
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J. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.com0tag:blogger.com,1999:blog-4293482700223775128.post-27236036847394078802017-03-20T16:30:00.002+05:302017-03-20T16:30:56.313+05:30OTP FOR ONLINE TRANSACTION BY DEBIT/CREDIT CARDS<div dir="ltr" style="text-align: left;" trbidi="on">
I have made following suggestion to RBI:<br />
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<b><span style="font-size: 14.0pt; line-height: 115%;">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.<o:p></o:p></span></b></div>
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J. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.com1tag:blogger.com,1999:blog-4293482700223775128.post-24345544824684163132017-03-01T22:29:00.001+05:302017-03-01T22:29:23.299+05:30RTI PUSH FOR UNREPLIED/UNATTENDED REPRESENTATION TO BANKS<div dir="ltr" style="text-align: left;" trbidi="on">
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<b><u><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">THE RIGHT TO INFORMATION ACT 2005</span></u></b><b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><br />
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<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"> APPLICATION FOR OBTAINING INFORMATION<br />
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<b><span style="font-family: "Arial","sans-serif";">____________________________________________________________<u> _____</u><o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">Date: ________ <u>By hand delivery/Speed AD post</u><br />
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<b><span style="font-family: "Arial","sans-serif";">Asstt Central Public Information Officer [ACPIO]//Branch Head,<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">Name of Bank: _____________<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">Name of Branch: ___________<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">Address of Branch__________<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";"><br />1. <u>Name of Applicant</u>: <o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";"> <o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">2<u>. Address of applicant with mobile number and email ID [if any]:<o:p></o:p></u></span></b></div>
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<b><u><span style="font-family: "Arial","sans-serif";">3. Particulars of information required</span></u></b><b><span style="font-family: "Arial","sans-serif";">: As per list annexed.<o:p></o:p></span></b></div>
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<b><u><span style="font-family: "Arial","sans-serif";">4. Payment of filing fees</span></u></b><b><span style="font-family: "Arial","sans-serif";">: <o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">IPO/s No: ________________ total for Rs.10 in favour of your bank payable at place <o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">where this application is submitted/mailed to.<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">.<br />5. I am a citizen of India. Please rush information to me by speed / registered <o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";"> <o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">Post only. Please reply in English. I am retired employee of your Bank with<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">employee No. _________<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">Encls: as above Signature of Applicant<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">__________________________________________________________________</span></b><b><span style="font-size: 14.0pt;"> <o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">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]<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">01. Dates of receipt of my representation and reminders by its addressee office and inward numbers.<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">02. Daily progress from dates of receipt till date of this RTI application.<br />
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<b><span style="font-size: 14.0pt;">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.<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">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.<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;"><br />05. Details of action taken by controlling authority against erring officials, if officials have not adhered to prescribed time limit mentioned.. <o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">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]<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">07. Present status and date by which this matter will be completely resolved.<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">08. File notings held on my said representation.<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">09. Name, designation and address of Nodal Officer designated to receive and decide on notices under section 80 of CPC relating to your office.<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;"><br />10 Reasons on record for undue delay in deciding on my representation/s and reminders [section 4.1.d]<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">11. Please permit me inspection of relevant records with assistant of my choice.<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt;">Name of applicant_________________ Signature of Applicant<o:p></o:p></span></b></div>
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</span></b><b><u><span style="font-family: "Arial","sans-serif";">Short guidelines for applying [not to be attached to RTI application]:<o:p></o:p></span></u></b></div>
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<b><span style="font-family: "Arial","sans-serif";">1. Do not ask questions but seek information. <o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">2. Following banks have facility of accepting RTI applications and appeals by their branch heads:<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">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, <o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">State Bank of Indore, Union Bank of India, <o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Submission at branch will save postal charges.<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt;"> 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:<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">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.<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">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<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">4. ACPIO/Br Head will decide where concerned CPIO is posted and mail application within 5 days to CPIO under advice to you.<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">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:<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Central Public Information Officer,<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">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<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">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<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">7. Retain photocopy of entire set including IPO etc mainly for appeals.<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">8. Track delivery of envelope, if RTI application is mailed by post by visiting <a href="http://www.indiapost.gov.in/">www.indiapost.gov.in</a> and copy results of tracking on computer.<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">9. If delivered to branch head, obtain dated acknowledgement with rubber stamp on photocopy of RTI application.<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">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<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">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.<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">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. <o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";"> 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. <o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">13. You can now also e-file RTI applications to few banks by visiting <a href="http://www.rtionline.gov.in/">www.rtionline.gov.in</a>. 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.<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">14. It Is advisable to send at least 2 reminders to representation in gap of 30 days, before invoking RTI Act.<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">_______________________________________________________________________<o:p></o:p></span></b></div>
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J. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.com0tag:blogger.com,1999:blog-4293482700223775128.post-71788193372552209682017-01-05T19:39:00.001+05:302017-01-05T19:39:16.437+05:30FIRST APPEAL ADDENDUM<div dir="ltr" style="text-align: left;" trbidi="on">
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<b><u><span style="font-family: "Arial","sans-serif";">The RIGHT TO INFORMATION ACT 2005<o:p></o:p></span></u></b></div>
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<b><span style="font-family: "Arial","sans-serif";">FROM:<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">Name of Appellant:<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">Address of Appellant:<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">Email ID [if any]: ________________________________________________________________<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">Date: ________ Speed Post and email <o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">To,<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">Designation of FAA: __<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">Address of FAA:<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">Email ID [if available]:<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">Dear Sir,<o:p></o:p></span></b></div>
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<b><u><span style="font-family: "Arial","sans-serif";">Subject: RTI APPLICATION DATED ________ First Appeal Addendum<o:p></o:p></span></u></b></div>
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<b><span style="font-family: "Arial","sans-serif";">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 ______. <o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">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:<o:p></o:p></span></b></div>
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<b><u><span style="font-family: "Arial","sans-serif";">Query No. __<o:p></o:p></span></u></b></div>
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<b><u><span style="font-family: "Arial","sans-serif";">{Mention query-wise deficiency in information supplied}<o:p></o:p></span></u></b></div>
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<b><span style="font-family: "Arial","sans-serif";">My first appeal dated ________for deemed refusal has not been replied so far.<o:p></o:p></span></b></div>
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<b><i><span style="font-family: "Arial","sans-serif";">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.<o:p></o:p></span></i></b></div>
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<b><span style="font-family: "Arial","sans-serif"; mso-bidi-font-family: "Times New Roman";"> </span></b><b><u><span style="font-family: "Arial","sans-serif"; mso-bidi-font-family: "Times New Roman";">4. Prayers:</span></u></b></div>
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<b><span style="font-family: "Arial","sans-serif"; mso-bidi-font-family: "Times New Roman";">a. Please supply or order to be supplied correct, relevant and complete information as sought by me free of cost. <o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; mso-bidi-font-family: "Times New Roman";">b. CPIO be required to justify under Service Rules transgression of law passed by Parliament. </span></b><b><span style="font-family: "Arial","sans-serif";">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]. <o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; mso-bidi-font-family: "Times New Roman";">c. I be compensated Rs. _______/- for avoidable delay, inconvenience, mental and emotional agony in supply of information.<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; mso-bidi-font-family: "Times New Roman";">d. Please refer decisions of CIC as under:<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">CIC/WB/A/2010/000826 dated 05-01-2011<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">CIC/SM/A/2011/001199/SG/15056 dated 05-10-2011<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">CIC/DS/A/2011/004412 dated 27-08-2012<o:p></o:p></span></b></div>
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<b><span style="font-family: Courier10PitchBT-Bold; mso-bidi-font-family: Courier10PitchBT-Bold; mso-bidi-language: GU;">CIC/MP/A/2014/001340 dated 18-05-2015 [DFS-MoF]<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-bidi-language: GU;">CIC/SA/C/2014/000363 dated 26-03-2015 [DFS-MoF]</span></b><b><span style="font-family: "Arial","sans-serif";"><o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; mso-bidi-font-family: "Times New Roman";">5. Hearing: I do not intend to attend hearing and decision may be taken based on material on record and my above averments.<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; mso-bidi-font-family: "Times New Roman";">6. I am enclosing self attested photocopies of:<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; mso-bidi-font-family: "Times New Roman";"> A] RTI application B] First appeal for deemed refusal C] Reply of CPIO<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; mso-bidi-font-family: "Times New Roman";">Yours faithfully,<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; mso-bidi-font-family: "Times New Roman";">[_______________]<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; mso-bidi-font-family: "Times New Roman";">Encls: as above<o:p></o:p></span></b></div>
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J. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.com0tag:blogger.com,1999:blog-4293482700223775128.post-34502523649997972702017-01-02T15:02:00.001+05:302017-01-02T15:06:44.494+05:30Safety of ATM Transactions-DIGITAL INDIA<div dir="ltr" style="text-align: left;" trbidi="on">
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Date: 30-12-2016 REMINDER-IV by email <o:p></o:p></span></b></div>
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<b><span style="font-size: 12.0pt;">To,<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , sans-serif; font-size: 12pt;"><span style="background-color: white;">Chief General Manager</span><br />
</span></b><a href="https://www.rbi.org.in/scripts/AboutUsDisplay.aspx?pg=Depts.htm#CEPD1"><b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt; text-decoration: none;">Consumer Education and Protection Department</span></b></a><b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;"><br /><span style="background-color: white;">Reserve Bank of India</span></span></b><br />
<b><span style="background: white; font-family: "arial" , sans-serif; font-size: 12pt;">Mumbai-400 001</span></b></div>
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<b><span style="font-size: 12.0pt;">Email: </span></b><a href="mailto:helpdoc@rbi.org.in"><b><span style="font-size: 12.0pt;">helpdoc@rbi.org.in</span></b></a><b><span style="font-size: 12.0pt;"><o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Respected Sir,<o:p></o:p></span></b></div>
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<b><u><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Subject: Suggestion for Safety of ATM Transactions-DIGITAL INDIA<o:p></o:p></span></u></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">This bears reference to Oct 2016 massive cyber attack/data breach in banking <u>system mainly ATMs of premier banks</u>. Huge amount has been defrauded at ATMs. I had made suggestion as per my attached letter dated 19-04-</span></b><b><span style="font-family: "arial" , "sans-serif"; font-size: 14.0pt;">2015 </span></b><b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">[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.<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">I am sure with <u>Digital India initiative of Hon’ble Prime Minister</u>, 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. <o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">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.<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Please consider my suggestion at the earliest before large number of citizens loses their hard earned money.<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">I wish you happy and prosperous 2017.<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Yours faithfully,<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">J P Shah<o:p></o:p></span></b></div>
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<br /></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Copies to: <o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">1. National Payments Corporation of India<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">C-9,8th Floor RBI Premises, <o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Bandra-Kurla Complex, <o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Bandra (East), Mumbai-400 051 <o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Email: <a href="mailto:seethalakshmi.v@npci.org.in">seethalakshmi.v@npci.org.in</a> <o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">.<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">2. Secretary <o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Department of Financial Service, <o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Ministry of Fiance,<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">3rd Floor, Jeevan Deep Building, <o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Sansad Marg, New Delhi-110001<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;">Email: secy-fs@nic.in <o:p></o:p></span></b></div>
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<b><span style="font-family: "arial" , "sans-serif"; font-size: 12.0pt;"> – I hope you would be in a position to sensitize RBI and NPCI in this matter <o:p></o:p></span></b></div>
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J. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.com0tag:blogger.com,1999:blog-4293482700223775128.post-37735791634373435982016-10-27T12:37:00.000+05:302016-10-27T12:37:05.623+05:30ATM FRAUD<div dir="ltr" style="text-align: left;" trbidi="on">
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<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Date: 27-10-2016 by email and posted on website of RBI<o:p></o:p></span></b></div>
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<b><span style="font-size: 12.0pt;">To,<o:p></o:p></span></b></div>
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<b><span style="background: white; font-family: Arial, sans-serif; font-size: 12pt;">Chief General Manager</span></b><b><span style="font-family: Arial, sans-serif; font-size: 12pt;"><br />
</span></b><a href="https://www.rbi.org.in/scripts/AboutUsDisplay.aspx?pg=Depts.htm#CEPD1"><b><span style="color: windowtext; font-family: "Arial","sans-serif"; font-size: 12.0pt; text-decoration: none; text-underline: none;">Consumer Education and Protection Department</span></b></a><b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><br />
<span style="background: white;">Reserve Bank of India</span><br />
<span style="background: white;">1st Floor, Amar Building, Sir P.M. Road, Mumbai-400 001</span></span></b><b><span style="font-size: 12.0pt;"><o:p></o:p></span></b></div>
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<b><span style="font-size: 12.0pt;">Email: </span></b><a href="mailto:helpdoc@rbi.org.in"><b><span style="font-size: 12.0pt;">helpdoc@rbi.org.in</span></b></a><b><span style="font-size: 12.0pt;"><o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Respected Sir,<o:p></o:p></span></b></div>
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<b><u><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Subject: Suggestion for Safety of ATM Transactions<o:p></o:p></span></u></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">This bears reference to recent massive cyber attack/data breach in banking <u>system mainly ATMs of premier banks</u>. Huge amount has been defrauded at ATMs. I had made suggestion as per my attached letter dated 19-04-</span></b><b><span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">2015 </span></b><b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">[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.<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Yours faithfully,<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">J P Shah<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Copy to: National Payments Corporation of India<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">C-9,8th Floor RBI Premises, Bandra-Kurla Complex, <o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Bandra (East), Mumbai-400 051 [on its website.]<o:p></o:p></span></b></div>
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J. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.com1tag:blogger.com,1999:blog-4293482700223775128.post-43991248071980206122016-10-18T11:28:00.002+05:302016-10-18T11:29:13.681+05:30RTI ACTIVIST IN MUMBAI SHOT DEAD<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="background-color: white; color: #222222; font-family: "verdana" , "arial" , "tahoma" , "calibri" , "geneva" , sans-serif; font-size: 13px;">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 </span>case<span style="background-color: white; color: #222222; font-family: "verdana" , "arial" , "tahoma" , "calibri" , "geneva" , sans-serif; font-size: 13px;"> of murder or physical harm to RTI applicants, information should be uploaded on </span>website<span style="background-color: white; color: #222222; font-family: "verdana" , "arial" , "tahoma" , "calibri" , "geneva" , sans-serif; font-size: 13px;"> of public authority and SIC/CIC. Majority politicians and senior bureaucrats are </span>hand<span style="background-color: white; color: #222222; font-family: "verdana" , "arial" , "tahoma" , "calibri" , "geneva" , sans-serif; font-size: 13px;"> in glow with such antisocial elements.</span></div>
J. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.com0tag:blogger.com,1999:blog-4293482700223775128.post-658594857696888042016-10-14T19:20:00.002+05:302016-10-14T19:20:42.069+05:30NEW WEBSITE OF CIC<div dir="ltr" style="text-align: left;" trbidi="on">
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<b><u><span style="font-size: 14.0pt; line-height: 115%;">To, Secretary CIC</span></u></b><b><span style="font-size: 14.0pt; line-height: 115%;"> Date: 14-10-2016<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt; line-height: 115%;">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.<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt; line-height: 115%;">14-10-2016</span></b></div>
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<b><span style="font-size: 14.0pt; line-height: 115%;">-Posted on feed back link of new website of CIC<u><o:p></o:p></u></span></b></div>
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J. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.com0tag:blogger.com,1999:blog-4293482700223775128.post-12800940070724060192016-10-14T18:52:00.000+05:302016-10-14T18:52:06.433+05:30NEW WEBSITE OF CIC<div dir="ltr" style="text-align: left;" trbidi="on">
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<b><u><span style="font-size: 14.0pt; line-height: 115%;">To, Secretary CIC</span></u></b><b><span style="font-size: 14.0pt; line-height: 115%;"> 07-10-2016<u><o:p></o:p></u></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 14.0pt; line-height: 115%;"><br /></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 14.0pt; line-height: 115%;">Thanks for refurbishing website of CIC. <o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 14.0pt; line-height: 115%;"><br /></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 14.0pt; line-height: 115%;">However new decisions from 03-09-2016 uploaded at </span></b><a href="http://164.100.161.46/cicapp/cause-list-report-web/view-decision"><b><span style="font-family: "Arial","sans-serif"; font-size: 14.0pt; line-height: 115%;">http://164.100.161.46/cicapp/cause-list-report-web/view-decision</span></b></a><b><span style="font-family: "Arial","sans-serif"; font-size: 14.0pt; line-height: 115%;"> do not contain name of public authority. It contains interalia address of appellant/complainant which is not of much use to common visitor of website for decisions. Old website also mentioned name of public authority in addition to name of appellant /complainant. I could not locate recent decision [may be between 03-10-2016 to 05-010-2016] of Hon’ble M Shridhar Acharyulu, IC against University Grant Commission, which has appeared in print media, since it involved downloading all decisions between above dates. This is cumbersome for public. I suggest that instead of address please include name of public authority for easy access, which is one of the main purposes of RTI.<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 14.0pt; line-height: 115%;"><br /></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 14.0pt; line-height: 115%;">[Filed under feedback link of website of CIC on 07-10-2016 at 7.40pm]<o:p></o:p></span></b></div>
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J. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.com0tag:blogger.com,1999:blog-4293482700223775128.post-41328305711339402862016-09-26T12:24:00.000+05:302016-09-26T12:24:20.356+05:30SHORT NOTE ON GUJARAT [RIGHT OF CITIZENS TO PUBLIC SERVICES] ACT 2013<div dir="ltr" style="text-align: left;" trbidi="on">
It is posted at following link:<br />
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<b><span style="font-size: 14.0pt;">https://www.dropbox.com/s/dobr5o1dfyqnijd/WRITE%20UP%20250916.docx?dl=0<o:p></o:p></span></b></div>
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J. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.com0tag:blogger.com,1999:blog-4293482700223775128.post-75176577522387689542016-09-15T08:42:00.002+05:302016-09-15T08:52:08.369+05:30Gujarat Right of Citizens for Public Services<div dir="ltr" style="text-align: left;" trbidi="on">
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;"> Rs. 20/- court fee stamp<o:p></o:p></span></b></div>
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<b><u><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">The Right
to Information Act, 2005<o:p></o:p></span></u></b></div>
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;"> FORM A [See
rule 3(1) ]<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;"> <u>Application for obtaining
information<o:p></o:p></u></span></b></div>
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<b><u><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">___________________________________________________________________<o:p></o:p></span></u></b></div>
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;"> <o:p></o:p></span></b></div>
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;"> Date: _____ </span></b><br />
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">By
speed post/hand delivery <o:p></o:p></span></b></div>
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">Public
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">Collector
Office, ____________<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">OR<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">Public
Information Officer<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">________________
Municipal Corporation<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">Address:
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">Sir,
<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">I
want to obtain following information from you under the Right to Information
Act, 2005. The details are as under.<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">1.
Applicant's Name: _____________________<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">2.
Address of the applicant: <o:p></o:p></span></b></div>
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">____________________________________________<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;"> Mobile No: ______________<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.
Information required: I thank Gujarat Govt for finally operationalzing </span></b><b><u><span style="font-family: "calibri" , "sans-serif"; font-size: 11.0pt;"> </span></u></b><b><u><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">GUJARAT
[RIGHT OF CITIZENS TO PUBLIC SERVICES] ACT 2013 w.e.f 01-04-2016, </span></u></b><b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">In
this connection,<u> </u>kindly provide following information as on date of this
RTI application <u>relating to your office:<o:p></o:p></u></span></b></div>
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.1
List of services which have been covered u/s 4 of your office and time limits
for delivery of each service and copy of forms prescribed for each service to be submitted to Designated
Officer.<o:p></o:p></span></b></div>
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<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.2
Designations, office addresses, email IDs and official mobile numbers of
following officers designated in your office:<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">a.
Designated Officer [DO]<o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">b.
Grievance Redressal Officer [ GRO]<o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">c.
Designated Authority [DA]<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.3
Details of availability of forms prescribed under this act, digitally so that
same can be downloaded by citizens. [Digital India Initiative]<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.4
Number of complaints received under this act from 01-04-2016 till date of this
application.<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.5
Complaints pending as on 31-08-2016 with DO, GRO and DA and top 5 reasons on
record for pendency.<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.6
Name, designation, office address, email ID of State Appellate Authority
created u/s11 applicable to your office<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.7
Contents of notice board affixed as per section 4 of Rules 2014 made under
above act.<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.8
Website link [URL] as mandated u/s 3 of Rules 2014 made under above Act.<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">4.
I have affixed court fee stamps of Rupees Twenty.<o:p></o:p></span></b></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">5.
Please rush information by registered post. I am an Indian citizen. <o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">Signature
of applicant<o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;"> <o:p></o:p></span></b></div>
<br />
<div class="MsoNormal">
<br /></div>
</div>
J. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.com0tag:blogger.com,1999:blog-4293482700223775128.post-37111494293602989112016-09-15T08:42:00.001+05:302016-09-15T08:50:59.987+05:30Gujarat Right of Citizens for Public Services<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;"> Rs. 20/- court fee stamp<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-left: 1.0in; text-indent: .5in;">
<br /></div>
<div class="MsoNormal" style="margin-left: 1.0in; text-indent: .5in;">
<br /></div>
<div class="MsoNormal" style="margin-left: 1.0in; text-indent: .5in;">
<br /></div>
<div class="MsoNormal" style="margin-left: 1.0in; text-indent: .5in;">
<b><u><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">The Right
to Information Act, 2005<o:p></o:p></span></u></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;"> FORM A [See
rule 3(1) ]<o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;"> <u>Application for obtaining
information<o:p></o:p></u></span></b></div>
<div class="MsoNormal">
<b><u><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">___________________________________________________________________<o:p></o:p></span></u></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;"> <o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;"> Date: _____ </span></b><br />
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;"><br /></span></b>
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">By
speed post/hand delivery <o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">To, <o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">Public
Information Officer<o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">Collector
Office, ____________<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">OR<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">Public
Information Officer<o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">________________
Municipal Corporation<o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">Address:
__________________________________<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">Sir,
<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">I
want to obtain following information from you under the Right to Information
Act, 2005. The details are as under.<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">1.
Applicant's Name: _____________________<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">2.
Address of the applicant: <o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">____________________________________________<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;"> Mobile No: ______________<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.
Information required: I thank Gujarat Govt for finally operationalzing </span></b><b><u><span style="font-family: "calibri" , "sans-serif"; font-size: 11.0pt;"> </span></u></b><b><u><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">GUJARAT
[RIGHT OF CITIZENS TO PUBLIC SERVICES] ACT 2013 w.e.f 01-04-2016, </span></u></b><b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">In
this connection,<u> </u>kindly provide following information as on date of this
RTI application <u>relating to your office:<o:p></o:p></u></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.1
List of services which have been covered u/s 4 of your office and time limits
for delivery of each service and copy of forms prescribed for each service to be submitted to Designated
Officer.<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.2
Designations, office addresses, email IDs and official mobile numbers of
following officers designated in your office:<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">a.
Designated Officer [DO]<o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">b.
Grievance Redressal Officer [ GRO]<o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">c.
Designated Authority [DA]<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.3
Details of availability of forms prescribed under this act, digitally so that
same can be downloaded by citizens. [Digital India Initiative]<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.4
Number of complaints received under this act from 01-04-2016 till date of this
application.<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.5
Complaints pending as on 31-08-2016 with DO, GRO and DA and top 5 reasons on
record for pendency.<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.6
Name, designation, office address, email ID of State Appellate Authority
created u/s11 applicable to your office<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.7
Contents of notice board affixed as per section 4 of Rules 2014 made under
above act.<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.8
Website link [URL] as mandated u/s 3 of Rules 2014 made under above Act.<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">4.
I have affixed court fee stamps of Rupees Twenty.<o:p></o:p></span></b></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">5.
Please rush information by registered post. I am an Indian citizen. <o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">Signature
of applicant<o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;"> <o:p></o:p></span></b></div>
<br />
<div class="MsoNormal">
<br /></div>
</div>
J. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.com0tag:blogger.com,1999:blog-4293482700223775128.post-24830268423418729262016-09-15T08:42:00.000+05:302016-09-15T08:49:43.349+05:30Gujarat Right of Citizens for Public Services<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;"> </span></b><br />
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;"> Rs. 20/- court fee stamp<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-left: 1.0in; text-indent: .5in;">
<br /></div>
<div class="MsoNormal" style="margin-left: 1.0in; text-indent: .5in;">
<br /></div>
<div class="MsoNormal" style="margin-left: 1.0in; text-indent: .5in;">
<br /></div>
<div class="MsoNormal" style="margin-left: 1.0in; text-indent: .5in;">
<b><u><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">The Right
to Information Act, 2005<o:p></o:p></span></u></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;"> FORM A [See
rule 3(1) ]<o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;"> <u>Application for obtaining
information<o:p></o:p></u></span></b></div>
<div class="MsoNormal">
<b><u><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">___________________________________________________________________<o:p></o:p></span></u></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;"> <o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;"> Date: _____ </span></b><br />
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;"><br /></span></b>
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">By
speed post/hand delivery <o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">To, <o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">Public
Information Officer<o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">Collector
Office, ____________<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">OR<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">Public
Information Officer<o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">________________
Municipal Corporation<o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">Address:
__________________________________<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">Sir,
<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">I
want to obtain following information from you under the Right to Information
Act, 2005. The details are as under.<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">1.
Applicant's Name: _____________________<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">2.
Address of the applicant: <o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">____________________________________________<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;"> Mobile No: ______________<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.
Information required: I thank Gujarat Govt for finally operationalzing </span></b><b><u><span style="font-family: "calibri" , "sans-serif"; font-size: 11.0pt;"> </span></u></b><b><u><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">GUJARAT
[RIGHT OF CITIZENS TO PUBLIC SERVICES] ACT 2013 w.e.f 01-04-2016, </span></u></b><b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">In
this connection,<u> </u>kindly provide following information as on date of this
RTI application <u>relating to your office:<o:p></o:p></u></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.1
List of services which have been covered u/s 4 of your office and time limits
for delivery of each service and copy of forms prescribed for each service to be submitted to Designated
Officer.<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.2
Designations, office addresses, email IDs and official mobile numbers of
following officers designated in your office:<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">a.
Designated Officer [DO]<o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">b.
Grievance Redressal Officer [ GRO]<o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">c.
Designated Authority [DA]<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.3
Details of availability of forms prescribed under this act, digitally so that
same can be downloaded by citizens. [Digital India Initiative]<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.4
Number of complaints received under this act from 01-04-2016 till date of this
application.<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.5
Complaints pending as on 31-08-2016 with DO, GRO and DA and top 5 reasons on
record for pendency.<o:p></o:p></span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.6
Name, designation, office address, email ID of State Appellate Authority
created u/s11 applicable to your office<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.7
Contents of notice board affixed as per section 4 of Rules 2014 made under
above act.<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">3.8
Website link [URL] as mandated u/s 3 of Rules 2014 made under above Act.<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">4.
I have affixed court fee stamps of Rupees Twenty.<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">5.
Please rush information by registered post. I am an Indian citizen. <o:p></o:p></span></b></div>
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;">Signature
of applicant<o:p></o:p></span></b></div>
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<b><span style="font-family: "arial narrow" , "sans-serif"; mso-bidi-font-size: 12.0pt;"> <o:p></o:p></span></b></div>
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J. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.com0tag:blogger.com,1999:blog-4293482700223775128.post-64675066888759232622016-09-08T19:52:00.002+05:302016-09-08T19:52:38.383+05:30OTHER CHARGES UNDER RTI BY RAILWAYS<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">J.
P. Shah 202 Velamani Residency <o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">M.
Com., LL.B. 9A
Vrindavan Park Soc Ex-Bank Manager, New
Sama Road,<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">RTI
& Consumer Activist Vadodara
Gujarat 390008<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">Mobile:
09924106490 </span><a href="mailto:jpshah50@yahoo.co.in"><span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">jpshah50@yahoo.co.in</span></a><span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;"> <o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">___________________________________________________________<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">Date:
08-09-2016 By
email <o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">To,<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">Adviser (PG)
& F.A.A. (Central Coordination)<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">RTI
Cell, Railway Board, <o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">New
Delhi -110001<o:p></o:p></span></div>
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<a href="mailto:edpg@rb.railnet.gov.in"><span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">edpg@rb.railnet.gov.i</span></a><span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">n<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">Dear
Sir,<o:p></o:p></span></div>
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<br /></div>
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<u><span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">Other
Charges for Reservation Chart and PNR details under RTI Act<o:p></o:p></span></u></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">I
enclose my suggestion emailed to you on 20-01-2016. <o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">I
shall be happy to know decision of railways on the above subject, more so in view of CIC decision dated
15-01-2016.<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">My
postal address has changed as above.<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">Yours
faithfully,<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">J
P Shah<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">Encl:
as above<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">J.
P. Shah B-12, Amrapali, <o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">M.
Com., LL.B. Gandhigram, Ex-Bank Manager, JUNAGADH<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">RTI
& Consumer Activist [Gujarat]
362001<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">Mobile:
09924106490. </span><a href="mailto:jpshah50@yahoo.co.in"><span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">jpshah50@yahoo.co.in</span></a><span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;"><o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">___________________________________________________________<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">Date:
20-01-2016 COPY By
email <o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">To,<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">Adviser (PG)
& F.A.A. (Central Coordination)<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">RTI
Cell, Railway Board, <o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">New
Delhi -110001<o:p></o:p></span></div>
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<a href="mailto:edpg@rb.railnet.gov.in"><span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">edpg@rb.railnet.gov.i</span></a><span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">n<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">Dear
Sir,<o:p></o:p></span></div>
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<u><span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">Subject:
Other Charges for Reservation Chart and PNR details under RTI Act<o:p></o:p></span></u></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;"> <o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;"> At present Railways is
charging Rs.1000/- per page of reservation chart and Rs.750/- for each PNR
details depending upon details of status of passenger having travelled or not.
This amount is exorbitant and unreasonable in addition to being against RTI
Act/rules.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;"> I invite your kind attention
to Railway Commercial Circular No. 65 of 2011 and recent decision No.
CIC/SA/C/2015/901116 dated 15-01-2016 of Central Information Commission.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNoSpacing" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;"> I request you to kindly take
necessary action for reducing other charges in conformity with RTI Act /rules
and aforesaid decision of CIC.<o:p></o:p></span></div>
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<br /></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">Yours faithfully,<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">J P Shah<o:p></o:p></span></div>
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J. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.com0tag:blogger.com,1999:blog-4293482700223775128.post-52013896889553911722016-07-17T17:18:00.001+05:302016-07-17T17:18:25.968+05:30SIGNED COPY SUBMISSION ABOLISHED BY CIC <div dir="ltr" style="text-align: left;" trbidi="on">
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<b><span style="font-family: "Arial","sans-serif";">THE RIGHT TO INFORMATION ACT 2005<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";"> APPLICATION FOR OBTAINING INFORMATIONP<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";"> <o:p></o:p></span></b></div>
</div>
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<b><span style="font-family: "Arial","sans-serif";">Date: 17-07-2016 e-filed
<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">To,<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">Central Public Information Officer<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">Central Information Commission, New
Delhi <o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">1. Name of Applicant: J. P. Shah<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">2. Address: B-12 Amrapali, Gandhigram, Junagadh [Guj]
362001. <o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">Email: </span></b><a href="mailto:jpshah50@yahoo.co.in"><b><span style="font-family: "Arial","sans-serif";">jpshah50@yahoo.co.in</span></b></a><b><span style="font-family: "Arial","sans-serif";">.
Cell: 9924106490<o:p></o:p></span></b></div>
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<b><u><span style="font-family: "Arial","sans-serif";">3. Particulars of information
required: <o:p></o:p></span></u></b></div>
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<b><span style="font-family: "Arial","sans-serif";">I attach copy of news
appearing in The Economic Times dated 15-03-2016 regarding abolishing practice
of seeking signed copy of second appeals/complaints filed online, by new Chief
Information Commissioner. However, I witness that still CIC is seeking signed
copy for registration of online second appeals/complaints. In this reference
please provide me following information:<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">3.1. Certified copy of press note
issued by CIC leading to above news. <o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">3.2. Certified photocopies of notification/circular
issued by CIC abolishing signed copy requirement.<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">3.3 Reasons held on record for not
uploading such important decision on website of CIC [section 4.1.d]<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">3.4 Reasons on record for CIC still
insisting for signed copy [ for example in SA/UG/16/94919u7 dated 17-04-2016
which is held up for signed copy]<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">3.5 File notings photocopies of record
leading to decision of abolishing requirement of signed copy.<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">4. Payment of filing fees: Rs.10 is paid
by debit card <o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">5. Please rush information to me by
speed/registered post. I am an Indian citizen. Please reply in English.<br />
<br />
Signature of Applicant<u><o:p></o:p></u></span></b></div>
</div>
J. P. SHAHhttp://www.blogger.com/profile/03424347912232783519noreply@blogger.com1