Learned membres ofthe forum have given their valuable advice.
As a matter of fair practice code bank should have given you the copy of all docs/forms on which they obtained your signatures including account opening form.In place of supplying the docs copy banks e.g HDFC bank tears off a small slip on which forn number is printed from the account opening form and handsover to customer, whereas many banks provide nothing.
You can claim and demand these from the bank without any prejudice to your rights, at their cost and demand it supply with a reasonable time say 15 days by registered post.Bank does not supply by registred post unless you create enough heat.
Banks have not been supplying the chjange/updation/adittion to the terms ands conditions and even do not display it in the bank properly or at all.
Without any prejudice to your rights you can issue a notice and ask for supply of all communications by registered post and claim it is mandatory for the bank to obtain your written acceptance, and that idf this fair and upfront demand is not found fit bank may state in writing that it is not WORKABLE and hence rejected.
The rersponsibility of the bank is not posting only but to supply it to you under acknowledgment.Whereas bank disposes the responsibility by writing a line if not reported it shall be deemed to be delivered and accepted.Banl is not LORD AND MASTER TO CUSTOMER by any rule or by any law.
After the takeover of Centurian Bank by HDFC bank the AQB was raised to Rs.10000/ without any digestable logic since the number of branches increased and bank got trained and less paid staff from CBOP and a good clientale.HDFC bank got more than double money at its disposable by raising AQB for other sources of revenues e.g lending.
Bank created and grabbed another opportunity of earning i.e accounts which did not maintain AQB and due to signature on the account opening form withut obtaining any concurrence deducted the charges, and earned neat profit without any expense.While bank did not invest anythng on this.
As you can see happenning in the Bank, staff rather forcible obtains email id and adds in the data to send cmmunicatins by email.The opening of email costs to customer while due to heavy usage gets it manyfolds cheap compared to the cost to customer.
Bank adopted another tactics i.e mode of desptach is bank's discretion.To a persisitent customer cutomer courier is sent.Each barnch is made to tie up with a small agent of courier at the lowest rates, and the cost of courier to bank less thasn that of even normal post.Bank now uses National bill mail service which is even more economical.To an even more persistent and irate customer bank shall send registred post.
It is upto you how much heat you can create.Branch managers are not afraid of litigations since litigations are looked after by anothr teams of thickly skinned employees.
YOU NEED TO PERSIST WITH YOUR ABILITY OF REASONING AND KNOWLEDGE OF LAW,RULES,BASED WRITTEN COMPLAINTS, UNDER ACKNOWLEDGMENT,AND KEEP ON PONTING FAULTS AND LAPSES.
YOU SHALL HAVE TO ADDRESS COMPLAINTS TO BRANCH MANAGER ON PLAIN PAPER(AVOID INTERNAL CRM FORMS SINCE YOU MAY NOT GET REPLY AT ALL)MARK COPIES TO NGOC,SOCIAL FORUMS,LOCAL AGGRESSIVE MEDIA PLAYERS NEWSPAPERS AND MARK COPY TO MD CEO CS OF THE BANK AND BUILD PRESSURE.
The bank may relent and BM may reverse charges.
You may obtain the copies of all decisions of BO from their website,RBI rules ,and if possible all decisions of Consumer forum and frmae your complaints accordingly.If you find some useful decisions please post them on LCI forum, to benefit all.
The bigger ndustrialists business houses controle the bank and it has become the game of big bucks.
You shall have to shake not stir.