District consumer forum orders HSBC Bank to pay Rs 25,000 for deficiency in service

The consumer forum directed the bank to issue a no-dues certificate to Delhi-resident Vinay Chola and to reconsider a fresh card for him. The forum also awarded him compensation of Rs25,000 towards litigation charges and harassment caused to him

The New Delhi District Consumer Disputes Redressal Forum has ordered Hongkong and Shanghai Banking Corporation (HSBC) to pay Rs25,000 as compensation to one of its former credit card holders for not getting his name removed from a defaulters list even after he cleared all his dues.


The consumer forum observed that once the card holder paid all the dues, the bank should have closed the accounts and informed the Credit Information Bureau (India) (CIBIL) that nothing was outstanding.


“We hold opposite party (HSBC Bank) deficient in service in not informing CIBIL of settlement of all outstanding dues of complainant...,” the bench presided by CK Chaturvedi said.


It directed the bank to issue a no-dues certificate to Delhi-resident Vinay Chola and to reconsider a fresh card for him. The forum also awarded him compensation of Rs25,000 towards litigation charges and harassment caused to him.


The order came on the complaint of Vinay who had alleged that his credit status with CIBIL showed him as a defaulter despite having cleared all his dues with the bank.


According to a settlement agreed upon with the bank, Vinay said, he had paid Rs25,000 in three separate instalments one of which was collected late by the recovery agents and the same was shown as outstanding by HSBC.


The bank, in its defence, had contended that the settlement amount was not paid within the agreed upon time.


The forum, however, rejected the contention saying its recovery agents collected the last payment late.

  • User



    7 years ago

    Foreign Banks in India run, for the most part, with Indians recruited off the streets and without the "apprentice" schemes of India's nationalized Banks. BUT, my former batch mates who are CGMs and above in SBI and have retired as CMD of PNB testify that the quality of employees, their trainability, commitment, and reliability have deteriorated sharply over the last few decades in faithful imitation of India's ruling scum.

    Should food and bedroll charges on Indian Railway trains be made optional?

    For a rail commuter, health is more important and therefore, an increasingly large number of railway passengers are playing it safe by bringing their own food and light bedding. So, why not make food and bedroll charges optional on Garib Rath trains?

    If you have ever booked a ticket on a “Garib Rath” class train on the Indian Railways, then you would have observed that the bedroll charges of Rs25 are an optional extra, to be paid for in advance if you want one. This guarantees you a set on these super-fast fully-air-conditioned fully AC-3Tier trains run on high-speed Rajdhani equivalent schedules. Likewise, in case they have ample bedrolls left unused, then you can pay onboard.


    Hot fresh cooked food is also supplied onboard, in casseroles picked up at origin and en-route stations, and is mostly ‘dry’ non-gravy. On some routes there is provision for hot water so that tea or coffee, sold separately with paper cups, can also be consumed. By and large, Garib Rath trains operate like low-cost no-frill airlines—and do away with the additional cost as well as liability of lugging a full pantry car along. This saving is then worked back into the ticket price—which makes the AC-3T option on a Garib Rath about the best way to travel by train in India.


    Moneylife Foundation recently conducted an event on Mumbai Railway: How to deal with accidents, corruption and chaos. Click here to read more…


    It also reduces the generation of waste and packaging material, thrown as garbage along the way, because the “dry hot cooked meal” is provided in simple cardboard boxes—without any of the usual plastic or foil.


    On the other hand, bedrolls are now part of the ticket price on all air-conditioned classes, and hot cooked food of the wet and gravy sort served at your berth or seat is part of the ticket price on Rajdhani, Duronto and Shatabdi class trains. This used to be a reasonable concept till a few years ago, but there are issues now, which make it essential that the Indian Railways take a fresh look at this whole concept.


    Starting with the bedrolls—as is perceived, it is apparent that the blankets don’t go for a dry-cleaning or suitable freshen up for 10-15 journeys. Pillows, likewise. Bed sheets appear to be re-used, especially in AC-3T while hand-towels appear to be fresh. There are simple economic reasons for this. However, as a rail user, that is of no consequence to me, since my health is more important. You can actually now buy a brand new half-way decent blanket with two bed-sheets for a couple of hundred rupees outside most railway stations, or you can bring your own from home, and use your own towel as a pillow. Anything would be, in most cases, better than what is supplied on our trains now.


    Food—what used to be often a memorable meal on trains, especially the Rajdhanis, is now more like a “eat and be done with it” experience, especially in AC-2T or 3T. Sure, the hot soup is welcome, but after that—the breadsticks have started tasting of maida gone bad, yellow salted butter is not good for us, the “chocolate éclairs” are made of hydrogenated oils, the curries are watery at best and the “ice-cream” is what is known as “frozen dessert” or coloured flavoured vanaspati. About the rotis and rice, the less said the better.


    Indian Railways looks at toilets as a way of making money!


    For that, and for the pleasure of serving a fresh cooked meal to the VIPs in AC-First, some of these Rajdhani Express trains now lug two full pantry cars on their journeys. Apart from the huge cost incurred, there is also the risk to passengers on trains, of accidents and fires caused because of this.


    It is about time food and bedrolls were made optional extras on these trains, with a higher charge levied to set off better quality, for those who want to eat onboard. There is an increasingly larger and growing number of railway passengers who are playing it safe, by bringing their own food and light bedding, who would also benefit.


    (Veeresh Malik had a long career in the Merchant Navy, which he left in 1983. He has qualifications in ship-broking and chartering, loves to travel, and has been in print and electronic media for over two decades. After starting and selling a couple of companies, is now back to his first love—writing.)

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    7 years ago

    The article shows that either Mr Veeresh Malik is not a regular commuter of our railways and prefer aerial ways only or he uses rail for vanity purpose. Otherwise for a regular commuter of rail even these small bedrole & pantry is a real boon in long distance journey. As a armed forces member for last 27 year, i still remember those days when we had to carry a huge bed holder for our 2-3 days travel time or fend for the food from some obscure stations hawker.
    At least this maida/hyd oil/waterry curry is hygienically prepared compare to that hawkers curry prepared by the side of some urinal/high-drain.
    Mr Malik before writing some eye-ball catching article, think in totality. We have immense respect for you. You have a fantastic knowledge across the field. Don't abuse your strong points for the sake of earning some cheap popularity by writing any thing and everything against the government. We need this rail with some minimum & decent facilities. It took more than 30 years to reach the standard of rail to this stage, kindly don't destroy it with your tactical ranting.

    Bharat Joshi

    7 years ago

    We never touch the food although paid for. Should be made optional on all trains. Recently they found a rat in rice on a train to Surat.

    Assistant GM of Maruti dealer, two sales executives arrested

    The high in demand Maruti Swift and Dzire models booked by prospective customers were delivered without booking after taking black amount about Rs50,000 to Rs70,000 in each car delivery case

    Chandigarh: Chandigarh Police has arrested three senior officials, including an Assistant General Manager of a leading dealer of Maruti Suzuki on charge of delivering Swift and Dzire cars to customers without booking, reports PTI.


    The high in demand Swift and Dzire models booked by prospective customers were delivered without booking "after taking black amount about Rs50,000 to Rs70,000 in each car delivery case," Chandigarh Police said in a release here.


    Deputy Superintendent of Police (DSP) CID Anil Joshi told PTI that the racket came to light after the purchasers who got delivery of the cars without booking could not get the vehicles registered with the "fake documents" provided to them as they were different from original documents generated in the name of the original buyers in the online booking and delivery system of Maruti.


    Five such cases of sale of cars have so far come to light and further investigations were on, Joshi said, adding those arrested were AGM Sukhwinder Kanth and Sales Executives - Vikrant Thakur and Pankaj Sharma.


    "More arrests are expected soon and the role of the dealer's management is also being probed," the DSP said.


    Managing Director of the firm Ranjeev Dahuja was not contactable and the Chief General Manager Rajiv Handa declined to make any comment.


    The release said all three accused have been arrested under various sections of the IPC in the case registered at Police Station Industrial Area, UT, Chandigarh.


    "They managed to prepare fake insurance and temporary registration number to the customers with the help of other colleagues," it said.


    The three who have been arrested were involved "in providing Maruti Swift/Dzire cars to the urgent/needy customers by preparing forged documents like fake insurance cover notes and temporary registration numbers," the release said.

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