Grahakjago (S.K.Virmani)©

I have already brought out an article quoting copy of the complaint sent to Reserve Bank of India to intervene in the matter of unfair banking practices by the commercial Banks in India on account of SMS alert charges. The title of the article posted on the blog on 07/10/2015 is: Need for intervention of Reserve Bank of India to put a stop on the unfair business practices of the Commercial Banks on a/c of SMS Alert Fee amounting to estimated Rs. 5,000 crores in a year I have been raising the matter through use of RTI Act also. Two series of RTI applications, CPO responses, First Appeal to First Appellate Authorities of SBI is brought out on my another blog. The link to the two articles is given below: 1 . http://skvirmani-rtijago.blogspot.in/2015/10/is-state-bank-of-india-adapting-unfair.html Is State Bank of India adapting unfair trade practices- RTI reveals more than 300 crores being earned unethically from consumers  2. http://skvirmani-rtijago.blogspot.in/2015/1...

Need for intervention of Reserve Bank of India to put a stop on the unfair business practices of the Commercial Banks on a/c of SMS Alert Fee amounting to estimated Rs. 5,000 crores in a year This is in continuation to my article titled " Unethical business revenue by banks on account of charging SMS Alert Services" was brought out on this blog on 5th April 2014 and 28th August 2014. The link to the article is: http://skvirmani-jagograhak.blogspot.in/2014/08/unethical-business-revenue-by-banks-on.html  Subsequent to the article, Reserve Bank of India has now been requested vide my letter dtd. 03/08/2015 to intervene in the matter and direct all Banks to refund amount to the account holders earned out of unethical business business in violation of RBI regulations. A copy of the letter requesting RBI and other Departments is quoted below: " Date: 03/08/2015 Chief General Manager Reserve Bank of India Consumer Education and Protection Department, Central Office, ...

I have brought an article titled  जब रेस्टोरेन्ट वाला सर्विस चार्ज बिल में लगाता है तो फिर आप टिप क्यों दें । in my blog on 13th December 2012. The link to the article is http://skvirmani-jagograhak.blogspot.in/2012/12/blog-post.html  An email was mailed to Hotel Association of India and Hospitality India to seek their views on 17/11/2014 followed by a reminder on 17/04/2015. Both have preferred not to respond with their views on the charges. Surprisingly the email ids stated on website of Hospitality India are wrong and was again mailed to email ids of other officials which again remained unresponsive. The content of the email is reproduced: " The hotel and restaurants apparently are not following a standard procedure to levy VAT, Service Charges and Service Taxes and the eaters generally get confused. We shall be grateful if you could abreast us with the nature of such charges and the rates at which these gets added into the bills. Please also state whether th...

I have been a subscriber of MTNL Dolphin mobile connection. The choice of having MTNL connection was basically that the PSUs operator cannot adapt to unfair trade practices. However my belief shattered for the first time when it came to the notice that BSNL was charging migration fee for migrating from one plan to another. As per regulation of TRAI (an authority in India to protect the interest of telecom consumers) the migration fee is not allowed to be charged. BSNL was violating the same which made me to believe that when it comes to the talk of unfair trade practices, PSUs are not lagging behind. BSNL was charging the same till December 2011. Surprisingly BSNL withdrawn such unethical charges being charged from consumers only after intervention of TRAI. Failed to understand why intervention of TRAI was required. Had it been charged inadvertently, the same would have been withdrawn immediately when it was brought to their notice. Coming back to the topic of MTNL (Mahanagar T...