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..."


Monday, November 10, 2025

HDFC Bank-The Bank that has lost its professionalism & refined customer service

HDFC Bank’s services have drastically declined over the years particularly NRI and Imperia customer service. 

Their so called Relationship Managers are just not interested in building or preserving banking relationships with the clients unless you help them to meet their targets by investing only in the investments they choose for you. Earlier on the RMs used to be refined and knew how to deal with the customers and motivate them to invest correctly to match the customers’ needs. HDFC now has a crude approach to dealing with clients which lacks the professionalism expected from a reputed bank. 

Their complaint management is the worst amongst the Indian banks ! Their staff is just not equipped to handle escalation of complaints and ignore resolving complaints continuously in order to avoid taking ownership of their stand. What’s unprofessional is that the so called NRI branch and the RMs have a different version of their own services, policies and products which results in complicating matters more! 

A reference number is given to queries or complaints so that they could be addressed effectively and there’s a follow up. But HDFC Bank does not even address the complaints or provide a negative/positive resolution based on the assigned reference numbers so that they could be customer is not able to escalate it to other levels. The Sector-18, Noida branch in Ansal ‘s Fortune Arcade is the worst when it comes to customer interactions and complaint management! 

Their website has constant technical glitches which prevents one from completing Re KYC through Netbanking. HDFC’s upgraded website and Insta services have problems all the time. 

Most of their branches are not senior citizen friendly too in services and accessibility of locations. 

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