Neeraj Jha
24 April 2017 at 10:41
Dear Experts,
One of my friend bought a scooty worth rate 51,000 in December 2014, after a month his scooty was theft and immediately he went to police station for FIR but police did not lodge FIR for 8 days then after much efforts police lodged FIR on 8th day of scooty theft. And due to multiple visits and lack of knowledge my friend had not informed the Insurance company for 38 days. when on 38th day he informed to insurance company, they had refused to claim.
After that my friend filed a case in lower court but lower court agreed with the term & conditions of insurance company and my friend lost his asset totally.
Now for revision purpose, I need to know if in any such similar case, in your knowledge there is any judgment passed by NCDRC or any SCDRC so that my friend can have relief on that???
Kesava kumar
22 April 2017 at 03:00
On behalf of my friend..
Security problem with Icici bank faced by My FRIEND.
Hi Friends
I have raised below complaint to ICICI Bank.
On 21 March,2017:
Dear Sir/Madam,
Sub: Request to enquire � unlawful withdrawal of 49,996/-amount from My account � ICICI Bank � Visakhapatnam � Reg.,
I am Kota BhanuMurthy, my salary being credited to my account no. � 036501523627 ever month at ICICI Bank, my home brach ICICI Visakhapatnam. I open my account Nov 2012, Till date
As per policy of my company I opened account with ICICI Bank, having facilities of Internet Banking. Normally each and every transaction will be informed to me to my mobile bearing No. 9293183057 by way of SMS. The Bank will provide password for internet Banking. Normally if anyone wants to operate Internet Banking, firstly we have to give a Customer ID & Customer ID password for open the account, after that for doing any transaction we have to enter transaction password and we have to furnish the number of details as they required we have to feed all the data as called for(Grid Numbers). So far I have followed all the secure way to make transactions for My Account.
Steps I have followed
1) I have not registered any emailed to My Account.
2) The mobile which I have used for this account was a CDMA basic mobile from which no one can capture any data.
3) Important point My Grid Numbers are not visible on the card for the past several months. Due to security reason, I have maintained the same.
As per my account an amount of Rs. 51,313/- was lying in my account as on 20.03.2017. While so, on 21.03.2017 I received a four SMS from ICICI Bank which I have seen them in early morning at 06:15 AM By seeing them in My mobile, I was almost fainted and did not understand what was happening with My Account. Immediately tried to login, but My credentials are not working.
Contents of four SMS in brief(on 21.03.2017)
1)3D Secure online txn PIN Generated on My Account at 03:01:18 AM
2) DEBIT Card purchase of INR 19,998/- was made on PAYTM at 03:01:29 AM
3) DEBIT Card purchase of INR 10,000/- was made on AIRTELMONEY at 03:23:09 AM
4) DEBIT Card purchase of INR 19,998/- was made on PAYTM at 03:43:20 AM
I have not shared my Pin, other details with anybody even to my blood relations
I have called several Toll-Free, Other emergency numbers and after multiple selections in the options finally got a chance to talk executive and blocked My Card and got confirmation of card blocking SMS at 08:09:33 AM. And finally left with the balance of INR 1,317/- in account.
Even after blocking the card, One more attempt was made towards fraud transfer which was notified by an SMS the content of the message in brief
� Dear Customer transaction of INR 10,000 using Debit card for Account xx3627 was declined on 21-Mar-17 due to insufficient funds in your account� at 09:48:09 AM
This message made me know the security of ICICI Bank, if I have another 10,000/- in my account then it would have been withdrawn easily by the culprit.
Later On I have rushed to ICICI Bank and Police Station and provided required documents which are needed by them. And Raised the complaint in ICIC Bank, Pheonix, cyber gateway, hyderabad with SR463246743 and complaint filed in cyber police station, Gachibowli, Hyderabad with CNO-665/CCPS/CYB/17
Every day I used to receive several calls for credit card, insurance, home loan, and personal loan from executives of ICICI.
After this incident till date(27.03.2017) I did not receive any call from ICICI about the progress of the incident occurred. Even we did not find any particular POC for the incident to get the update.
This made me know like Bank need only My money in all the ways. Not even simple common ethics of banking were being followed. If they need business they will come to My door and work it out. But when I was in real trouble, I should reach and submit all the needed documents.
I don�t understand what kind of humanity is being followed.
I have lost My HARD EARNED money due to which my life was miserable. But there is no solution given in any manner.
After this incident I have registered My account with a emailId kota.bhanumurty@gmail.com to communicate with Officials of ICICI.
Therefore I request your good offices, kindly enquire into the matter and punish the persons who illegally withdraw the amounts from my account and kindly see that my hard earning amount was reimbursed to me.
Yours sincerely
K BhanuMurthy
cell: 9293183057,9912792148
On 27 March,2017:
Hi Team,
It was a week since I have raised the request, And got a sms to my Mobile like "the transactions are made using 3D pin" from ICICI.
Which was a very silly answer, Since I have mentioned it early like below
1)3D Secure online txn PIN Generated on My Account at 03:01:18 AM
2) DEBIT Card purchase of INR 19,998/- was made on PAYTM at 03:01:29 AM
3) DEBIT Card purchase of INR 10,000/- was made on AIRTELMONEY at 03:23:09 AM
4) DEBIT Card purchase of INR 19,998/- was made on PAYTM at 03:43:20 AM
Now I was asking you how can the culprit generate a 3D Pin.
I don't understand what ICICI Staff where doing for solving this for the past 7 days.
Please consider the below simple points to solve the issue
1)Find the IP Address,Location from which the transactions are made.
2)Since the amount made for fraud transactions against wallet recharges there would be some Cell number definitely involved trace it.
3)Even after blocking the card, One more attempt was made towards fraud transfer which was notified by an SMS the content of the message in brief
� Dear Customer transaction of INR 10,000 using Debit card for Account xx3627 was declined on 21-Mar-17 due to insufficient funds in your account� at 09:48:09 AM
This message made me know the security of ICICI Bank, if I have another 10,000/- in my account then it would have been withdrawn easily by the culprit.
Being a Biggest Bank in India. I don't understand what where the steps that you are following for this simple issue which could be solved by checking your server transaction details.
I was a customer to ICICI from 2012,felt like you would value the customer,This is the way you are showing the responsibility towards a poor customer who lost the money.
Therefore I request your good offices, kindly enquire into the matter and punish the persons who illegally withdraw the amounts from my account and kindly see that my hard earning amount was reimbursed to me.
Please understand My Pain In loosing money.
for more details follow SR Number: SR463876914
I have sent above two Mails to ICICI Officials like below,but till date no reply
care@icicibank.com,
antiphishing@icicibank.com,
chanda.kochhar@icicibank.com,
managingdirector@icicibank.com,
headbranchbanking@icicibank.com,
headservicequality@icici.com
For more details I have Transaction details, ICICI Bank Complaint, Police complaint acknowledgement documents
On 30 March,2017:
Hi Team,
I have not shared My 3D Pin/any sensitive data related to Account for any human/Living thing/non Living thing till date, which I have been mentioning several times.
I don't Understand which Language to be used ,for you to make it Understood.
@Team this is not good on your part,Since you need to reimbursement My money.Just diverting,Misleading the issue and finally blaming the Identity of Customer.This is not a matter of tens or Hundreds I was loosing thousands due to the loop holes in Bank Securities system.
Still My points are not addressed.
Please consider the below simple points to solve the issue
1)Find the IP Address,Location from which the transactions are made.
2)Since the amount made for fraud transactions against wallet recharges there would be some Cell number definitely involved trace it.
3)Even after blocking the card, One more attempt was made towards fraud transfer which was notified by an SMS the content of the message in brief
� Dear Customer transaction of INR 10,000 using Debit card for Account xx3627 was declined on 21-Mar-17 due to insufficient funds in your account� at 09:48:09 AM
This message made me know the security of ICICI Bank, if I have another 10,000/- in my account then it would have been withdrawn easily by the culprit.
Being a Biggest Bank in India. I don't understand what where the steps that you are following for this simple issue which could be solved by checking your server transaction details.
I was a customer to ICICI from 2012,felt like you would value the customer,This is the way you are showing the responsibility towards a poor customer who lost the money.
Therefore I request your good offices, kindly enquire into the matter and punish the persons who illegally withdraw the amounts from my account and kindly see that my hard earning amount was reimbursed to me.
On 30 March,2017:
Dear Mr. Kota,
We refer to your e-mail dated March 23, 2017 regarding your Savings Bank Account 0365XXXX3627.
We have referred the case details to our Internal Ombudsman of the Bank (Appointed on the directive of Reserve Bank of India to look in to the complaints), who has examined the case and expressed that the reply being given by the Bank's internal grievance mechanism is in order.
We wish to inform you that on looking into your concern, we find as under:
You had complained that you have not authorized the transactions done in your bank account on March 21, 2017 total amounting to Rs. 49,996.00.
As per our discussion today, on the basis of your complaint, an investigation was conducted.
As per our findings, the transactions were made using 3D secure password. The transactions have undergone a 3D Secure authentication, which is a second level authentication specifically meant for online transactions done through merchant web sites. Please note that apart from the Card Verification Value (CVV) and Expiry Date on your Debit Card, your personal 6 digit 3D secure PIN was also required for effecting the transaction.
The debit card was registered for 3D secure authentication on March 21, 2017 at 3:01:17 AM. and the Internet Protocol (IP) address used for the mentioned disputed transactions is 172.16.64.128
As per our discussion today, based on your request your Debit Card 45727 XXXX XXXX 1206 has been deactivated permanently.
Hence, we will not be able to accede to your claims for refund of the disputed transactions. The 3D secure password is known only to the customer and not to anybody else.
We also wish to clarify that once the online transactions are initiated they cannot be stopped.
As per association guidelines, chargeback cannot be raised on 3D secured transactions. Hence, we request you to take up the issue with respective merchant for the retrieval of beneficiary's account details.
We would like to state that, no fraudulent online transaction is possible from the Bank�s Internet banking unless customer compromises on his personal identification parameters inadvertently or otherwise. We reiterate that the Card holder is responsible for the security of his/her Card along with his/her personal 3D Secure PIN and should therefore take all possible steps in ensuring the safe-keeping thereof.
You may get the matter inquired through the concerned statutory/regulatory authorities. We on our part assure our co-operation in the said proceedings.
In case you are not satisfied with our response and wish to further pursue the matter, you may write to the Office of the Banking Ombudsman, Reserve Bank of India of your region located at Hyderabad (contact details given below) for redressal of your grievances whose services are offered "free of cost". The scheme of Banking Ombudsman promoted by Reserve Bank of India is prominently displayed at all branches of ICICI Bank and their website.
Dr. N. Krishna Mohan
C/o Reserve Bank of India
6-1-56, Secretariat Road
Saifabad,
Hyderabad-500 004
Kindly treat this as final decision of Office of the Internal Ombudsman. A Copy of this response is being shared with Bank's internal grievance mechanism.
We affirm that ICICI Bank at all times acts with diligence, in good faith and in no manner prejudicial to the interests of its customers.
Sincerely,
Pratibha Ranpise
Senior Management Desk
arnab goswami
19 April 2017 at 19:44
My uncle has a partnership firm whose accounts and finance are handled by his partners long time accountant.His signature in the balance sheets from 2015 and 16 has been forged by the accountant and partner thereby increasing hispartners stake in owners equity to 85:15 from 55:45 in favour of his partner.Please suggest the procedure for prooving forgery and punishment under ipc and the way forward.Thanks in advance.
Aambedcar
19 April 2017 at 04:50
In the event a false case of sexual harassment have been filed against a company management, who is the ultimate authority to determine that the complaint is false?
If complainant have involved media, with the goal of defaming a company, what is the fastest way for an innocent accused to reclaim back its fame?
Jagdeesh
18 April 2017 at 11:06
Hi
I have joined a company in the month of August 2016 and I have also entered into a bond where in I have to work with the company for 2 years and if I quit the company within 2 years , I should pay an amount of Rs 1 lakh
Now in the month of September 2016, my salary for the month of August 2016 was credited on 14th September and salaries for the months of September 2016 and October 2016, salaries were credited 18 days later respectively
Since November 2016 salary is being lately credited by 25 days which has pushed me into huge financial crisis
So i have have resigned from the company in the month of Jan 2017 citing health reasons as I did not wanted to proceed legally, but my resignation letter was never acknowledged for 3 months and I once again sent a resignation letter citing that I have a better opportunity and now they have responded to my second mail asking me serve 2 months notice and pay an amount Rs 1 lakh and therefore my salary for the month of March 2017 is kept on hold and I have decided not to go to office since 14 th April post their confirmation, They are also not giving any sort of clarity on my relieving letter as I may get a job wherein I have to join in the 1st week of May 2017
Please suggest as what best can be done to get my relieving letter and salary for the months of March 2017
How do I proceed to obtain my relieving letter and no due certificate also which I have to submit in my new company
Member (Account Deleted)
17 April 2017 at 10:31
Please advice on this:
One of the shareholder of pvt company died in FY 14-15. But this fact was not know to Auditor and he prepared BS PL for FY 14-15 & 15-16. In Schedule of shareholders holding more than 5% he mentioned deceased name. On the basis of this annual filling of AOC 4 and MGT 7 for both the year filed.
What would be the possible consequences under company act on company and auditor?
Jagdeesh
14 April 2017 at 11:33
Hi
I am working at a middle level management position at a ltd company joined in the month of August 2016
My salary is not credited on time ( getting delayed by 24 days ) since i have joined this company and i am into a bond with this company
The bond states that
The said employee has to serve the company for a minimum period of 24 months from the date of appointment and shall be at liberty to resign his employment at any time thereafter by giving to the company 2 months notice in writing of its intention to do so. In case , if the trainee resigns prior to the said period of service, trainee has to pay a sum of Rs 100000/- to the company as without any demur
I have resigned this company on 3rd Jan 2017 on health grounds but there was no acknowledgement from them for more than 3 months, so i have sent a separate resignation once again on 7th April citing that i want to move out as i have an opportunity with a new company
They have replied back to my second resignation asking me to pay rs 100000/- and also to serve a notice period of 2 months
I have replied back stating that i have resigned in the month of Jan 2016 and they should reply back to my first resignation mail and asked them to pay my March 2017 salary and i have clearly mentioned that i shall withdraw my services with immediate effect which is on 11th April 2017
As all these months the salary getting delayed created a financial mess and i cannot pay Rs 100000/- and also my PF was never credited on time, TDS not deducted by the employer, Form 16 not shared, Salary Slips not shared
Request your valuable suggestions on the next steps as they are stopping my March and April 2017 salary and are not willing to take company provided SIM card and Employee ID card and also they are not confirming on relieving letter
Regards
Syed Faisal
13 April 2017 at 16:31
Can crediter freeze public goverment teacher salary bank account.
kainat
07 April 2017 at 11:53
Hi All,
I was given a position of associate software engineer in a reputed mnc in the month of september of 2013. My whole batch was made to sign 2 bonds 1st one stated that i would be eligible to pay a sum of 1 lakh rupees to the company incase of breaking it with my father being the guarantor. The 2nd one stating that i being a girl working in noida have no issues in working at late hours at night at times as and when required by the company (was mandatory to sign) .
Post 1 month of training, i was given a project. After introductions the manager told me that i would need to come in night shifts only for complete 2 years at least , this was not informed to me earlier during my first interview with company HR. I refused and stated the same to the hr head of that time -the hr refused to help me and said point blank that i have to work like this only as i have signed a bond.
After 3 months of working in the company i left it without informing any one and recieved the email which stated that the company now considers me as an absconded employee in march 2014.
In between i did recieve 2-3 notices stating legal action that will be taken against me.
I had even replied twice stating my reasons
My today i have recieved a post mail from a retired high court judge of M.P. who was the sole arbitrator
Stating that :
"
The since none of the non-applicant (i.e. me n my father) were present. Non applicants are now declared exparte.
The case is fixed for ex parte evidence by the way of an affidavit on 20th april 2017 at 4 :30 pm "
Kindly explain the importance of the statement above in term of indian law
Also please advise as to what course of action can i take now.
P.s : i was a fresher when i was offered this job.
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Recover unsecured loan given to the company.
Hi,
I have given Rs200000/- unsecured loan to a pvt. limited. company (one of my relatives) in 2012 at an interest of 18% per annum which is duly acknowledged in the balance sheets of the company till date (Principal Amount only). But I don't have any document for the interest committed by the directors. Now, the directors of the company are not paying the interest. They are even denying the payment of Principal amount on account of financial position of company although directors are drawing a salary of Rs100000/- per month which is also mentioned in the balance sheets filed with MOC. The loan given by me is still acknowledged in the balance sheet filed with MOC i.e. FY 15-16. I want to know what are the legal remedies I can exercise to recover my loan amount?