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Filed RTI after complaint brushed aside by RBI Ombudsman

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Walter White

Walter White

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If anyone has tried it before, want to know if this gonna work? @TechnoFino

Filed a complaint against PNB for not disclosing their terms on mandatory requirement of ITR for credit card. I have a RBI circular stating that ITR is not mandatory. The mandatory ITR thing is not mentioned by PNB even on their website. Brushed aside by bank executives stating internal policy. Rejected by BO for falling outside their jurisdiction. RTI seems to be the last resort.
 
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Walter White said:
If anyone has tried it before, want to know if this gonna work?

Filed a complaint against PNB for not disclosing their terms on mandatory requirement of ITR for credit card. I have a RBI circular stating that ITR is not mandatory. The mandatory ITR thing is not mentioned by PNB even on their website. Brushed aside by bank executives stating internal policy. Rejected by BO for falling outside their jurisdiction. RTI seems to be the last resort.
Click to expand...
Bold step.

Keep us updated on the outcome.
 
Walter White said:
If anyone has tried it before, want to know if this gonna work?

Filed a complaint against PNB for not disclosing their terms on mandatory requirement of ITR for credit card. I have a RBI circular stating that ITR is not mandatory. The mandatory ITR thing is not mentioned by PNB even on their website. Brushed aside by bank executives stating internal policy. Rejected by BO for falling outside their jurisdiction. RTI seems to be the last resort.
Click to expand...
how is an rti going to help? shouldn't you be approaching consumer forum? rti is filed when information is not being shared with you.
 
ltf4ever said:
how is an rti going to help? shouldn't you be approaching consumer forum? rti is filed when information is not being shared with you.
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I want the information stating that ITR is mandatory. It's not mentioned on the website at the first place. A public sector bank cannot brush aside this thing stating internal policies.
 
Walter White said:
I want the information stating that ITR is mandatory. It's not mentioned on the website at the first place. A public sector bank cannot brush aside this thing stating internal reasons.
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did you get it confirmed from the pno of the bank? it happens that branch employees give out random information if they don't want to work. if pno confirms that itr is required, then you can't do much.
it's going to be a long battle, consider if it is worth your time. at least they haven't cheated you of your money i guess. and pnb is not the kind of Bank that gives a damn about their public image or customer satisfaction levels.
 
ltf4ever said:
did you get it confirmed from the pno of the bank? it happens that branch employees give out random information if they don't want to work. if pno confirms that itr is required, then you can't do much.
it's going to be a long battle, consider if it is worth your time. at least they haven't cheated you of your money i guess. and pnb is not the kind of Bank that gives a damn about their public image or customer satisfaction levels.
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All the mails to PNO are forwarded to their credit card department. I even attached the SS of the website where it is clearly mentioned that either of ITR or bank statements along with salary slips are acceptable. Still, everytime they come up with the generic reply of internal policies without giving out any information.

If it was mandatory, why was this not clearly mentioned on the website so that anyone who wishes to apply for the card can see it?
 
ltf4ever said:
how is an rti going to help? shouldn't you be approaching consumer forum? rti is filed when information is not being shared with you.
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The word "Internal Policy" has a broad interpretation.😉😉😉 I have filed more than 20 complaints over the past few months, and each time, the RBI has stepped up to help me.

I have come to understand that dealing with the RBI can be a daunting task, and it requires a certain level of expertise and knowledge.
 
can we use this if the bank reject our credit card application without giving any proper reason (other than ITR) ?
 
hakunamatata said:
He is the man of RBI who helps us getting any bank on track if they are not being reasonable.
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There is an ombudsman for many types of services, such as banking, insurance and maybe others.

Think of it as a private court where you can fight for yourself and be assured that if you have been wronged, you will get justice. A sort of consumer forum which deals in special cases related to its jurisdiction or a specific area of its operations.

There are a few prerequisites before you can approach the ombudsman.

1. Your case must not be more than a year old.
2. You should have sufficient documentary evidence to support your case, such as a complaint number or the like. Verbal proof may not be acceptable.
3. You should have directly approached the bank or company for your resolution. You should have gotten a reply rejecting your claim or it must be more than 30 days before you hear from the offending party before filing a case with the Ombudsman.
4. You should not have approached any consumer forum or another court with regard to that case. The Ombudsman should be the first court which you approach to file your case. Else they will not accept your case.

I won a simple case when an insurance company wrongly deducted some portion of my claim amount. They were ordered to pay me the wrongly deducted amount. I got the amount in 7 days after the ombudsman passed the order.

Thats all folks.
 
theglobalinvestor said:
Why don't you just submit your ITR? What is the issue in giving ITR? I fail to understand the big deal.
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I don't have one. How can I produce an ITR if I was in college for the past 2 years? I didn't file one as I barely earned anything apart from my internship stipends in FY 21-22.

Wouldn't have even applied had they already mentioned it on the website.
 
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