I always stand up for what I believe in and what is right even if it means standing alone...In life standing up for your rights is never easy but it is very important to embark on this Long and difficult path to enforce and protect your individual and consumer rights.We all must be aware of our rights.In exercising our rights are we truly free individuals.

I have won many long customer battles against Banks,Phone Companies, Airlines, Electronics Companies etc. I have devoted time and energy to demand positive resolutions for myself and people around me. I hate it when one is denied what every customer has a right to...and that is when I find it important to address it and complain about it. I know it takes time to escalate matters but somehow I prefer to address it no matter what. Having lived in America for sometime, I give a lot of importance to Individual Rights.

It is my nephew who inspired me to write this blog. He felt the importance of his rights and the need to address this subject in a blog very early in age when he was unhappy with the services of a certain Airline. It was then that he suggested that I should write a blog concerning such matters too.

Everyone has certain rights but we are usually not informed about them or do not exercise them. We have a right to be heard...and we must never forget that. There is One Right for All and None should be discriminated. One has the right to question and a right to information. With growing middle class touch 400 million and consumerism, Indian Companies need to become responsive to Consumer complaints and grievances. Ignoring such complaints could lead to big financial losses for the company on consumer complaints being upheld by Consumer Courts.

In this blog, I would like us to share our knowledge about how best to address our complaints effectively as a customer or consumer. It is also important to inform people about the poor customer services provided by reputed brand names. But I would also like to hi-light the names of companies and brands who have co-operated with customers and given positive responses. Please do share your experiences too.

You do not win every battle in life but you learn lessons from it and hopefully live to win it some day. Through this blog ,I would like to inspire people to stand up for their rights and if needed fight for it but the fight for your rights has to be fair and honest. I aim to create a direction and awareness for people who are not given their due rights as an individual first and then as a consumer. There are always solutions and there are way to reach those solutions or alternatives as customers through proper channels.

Whenever you have been able to get your rights heard, you should generously share that knowledge as how best to achieve that so that others could follow that too. Pay it forward ! We should share knowledge and in doing so we will learn more from each other. Alone you can stand up for your rights but with people behind you and with you , there will be more force in it and consumers and customers will not be taken for granted. United we stand in getting value for our hard earned money...United we stand in ensuring we get good customer service.

When there is a will there is a way. When you stand up for your rights and for others , somebody will listen to you sooner or later. Your voice will be heard ! But for that you have to speak out ! Silence can sometimes be mistaken as weakness or indifference. Always know your rights and request for those rights to be implemented but if they are not then demand that justice be served.


Always stand up for your rights...

Consumer Rights Consumer Might !

" Sadaa Haq Aithe Rakh ! "

"Manzil mushkil to Kya... Humhe to us rah par chalna hi hai..."


Wednesday, July 17, 2019

HDFC- You Did it Again !


HDFC Bank did it again ! Their rigid policies will just alienate more loyal customers leave alone attract new ones ! As it is their NRI services are pathetic ! They have no support for NRIs. Already NRIs were having issues with their log ins on internet banking from abroad and now this new ridiculous policy containing conditions for Imperia Banking even if you maintain the balances required.

And now their latest absurd policy is that even if one maintains the required balance for Imperia status, the services and privileges will be withdrawn on certain irrelevant conditions-

" Criteria for Private Banking Program 

  • Work together with your Private Banking Relationship Manager on understanding your risk profile and financial goals
  • Personally meet your Relationship Manager once in every two months or as per the agreed frequency to review your existing portfolio & to assist in the ongoing and future investment requirements
  • Based on your goals & risk appetite, implement the Investment solutions provided in collaboration with our SEBI registered, Investment Advisory Group (IAG). "

Now would someone please inform them that as NRIs it is impossible to meet the RM every two months in India !!!!! They better get their act straight !

Seriously I wonder what they are aiming to achieve with their unreasonable demands and continuously harassing customers and threatening to withdraw their benefits specially in their absences from the country. Many NRI customers are already so fed up of HDFC's services.

As it is their philosophy of sending RMs for so called "personal visits " to our homes holds no value in the age of internet banking and it is just an invasion of privacy for both Residents & NRI customers. Frankly such visits are just an excuse for the RMs to get entertained at our homes and is highly unprofessional. They never agree to meet at the Bank. While in some cases and situations this may work but I for one have experienced that these visits achieve nothing at all ! 

I like to set my own financial goals and understand my risk profile. These days everything is easily accessible and available on the internet. I like to connect with the RM over the phone or through emails and would bother him with a personal meeting only when absolutely necessary. Many feel the same way specially senior citizens, single women and busy professionals.    

HDFC seems to be blackmailing customers by coercing them to meet the RMs once in every two months to fulfill the so called frequency set by them to be eligible for the benefits. If one does not agree to meet then one loses the benefits. They are not even willing to give time to NRIs till their next visit home. They want our money but they do not want to give us benefits ! This just does not make any sense at all ! 

It is time to petition against them ! They are just turning into uncontrollable dictators who are not willing to bend at all. Instead of giving us the right to enjoy smooth and pleasant banking experience, they are making our lives miserable ! NRI customers will suffer the most ! The time has come to take your funds elsewhere ! 
 

https://www.facebook.com/1488537028142174/posts/2074949076167630/
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