Dear All , Anilkumarji,
If it so then bank must have taken action to rectify their computer system immediately. When they came to know by such complaint. Why the Bank if defending their Branch , Management and system?
Is this Safe Bank of India !!!!!!!!!!!! A ? mark for public at large!!!!
Without making any inquiry in to this affair properly , they say every thing is proper and no fraud. 1 When I have put up four question, When account was closed there must be some system of reporting closure of accounts in Friday Reporting , monthly returns, and some other way.!!
2. When EMI was fixed , why there was a gap in not debiting of EMI for 4 months , Branch is C B S since last 8 years, This has been a case of December ,2010.
3.After 4 months they wake up and started debiting Lesser amount of EMI. When computer is fed EMI is fixed , How can it be changed!!! Without any Authorization of any officer, Manager, Controlling authority??
4. How E MI fixed once @Rs 2704 , can be reduced and changed to Rs 2640, after 4 months gap!!
These Basic questions never replied and they say every thing is correct.
By way of not taking any action , not giving reply to customer , Bank Management is pampering the Staff starting from Branch Level to Managing Directors level!!!!!!!!!!!!1
C A Shah D J
USA
From: ANIL KUMAR S.C. <asc1957@gmail.com>
To: ICAI_CIRC_MEERUT_CA@yahoogroups.com
Sent: Saturday, 17 November 2012 10:11 PM
Subject: Re: {Amresh's CA's} Re: (CA Expert Team) Re: [aurangabad_ca] Question to ISA , CISA Members.
If it so then bank must have taken action to rectify their computer system immediately. When they came to know by such complaint. Why the Bank if defending their Branch , Management and system?
Is this Safe Bank of India !!!!!!!!!!!! A ? mark for public at large!!!!
Without making any inquiry in to this affair properly , they say every thing is proper and no fraud. 1 When I have put up four question, When account was closed there must be some system of reporting closure of accounts in Friday Reporting , monthly returns, and some other way.!!
2. When EMI was fixed , why there was a gap in not debiting of EMI for 4 months , Branch is C B S since last 8 years, This has been a case of December ,2010.
3.After 4 months they wake up and started debiting Lesser amount of EMI. When computer is fed EMI is fixed , How can it be changed!!! Without any Authorization of any officer, Manager, Controlling authority??
4. How E MI fixed once @Rs 2704 , can be reduced and changed to Rs 2640, after 4 months gap!!
These Basic questions never replied and they say every thing is correct.
By way of not taking any action , not giving reply to customer , Bank Management is pampering the Staff starting from Branch Level to Managing Directors level!!!!!!!!!!!!1
C A Shah D J
USA
From: ANIL KUMAR S.C. <asc1957@gmail.com>
To: ICAI_CIRC_MEERUT_CA@yahoogroups.com
Sent: Saturday, 17 November 2012 10:11 PM
Subject: Re: {Amresh's CA's} Re: (CA Expert Team) Re: [aurangabad_ca] Question to ISA , CISA Members.
Dear Sirs,
The Banks have their own systems of internal controls and checks, for their IS systems. Some times a loop hole is left open either by system developers or the system implementers. If such a loop hole is used by internal fraudsters, the first reaction of the Bank is to cover up the issue, so that this does not become public knowledge and the bank looses face. I think this is what has happened in your case. It may not be as simple as I have put, but I am sure a similar situation exists in the case being followed up by you.
--
Anil Kumar.S.C.
On Sat, Nov 17, 2012 at 8:32 AM, Dipak Shah <djshah1944@yahoo.com> wrote:
Dear All, and Annaji,
I with very much regret to say every effort is fruitless. When Fraudsters , and pampering fraud starting from Chairman to Lower levers are there.!!!!!!
Having informed about this fact , every body is involved in Band Wagon of Fraud. Chairman is not giveng any proepr reply for my four questions!!!
1. What trails for four months for not debiting to accounts EMI??!
2. After 4 months how E M I can be reduced from original amount of figure for loan amount feeded in Computer!!!This is a question mark for computer system auudit !!!
Surprisingly Banks higher Authority DGM Level giving , without giving any response for above matter, says every thing found in investigation very clear.C A Shah D JUSA
From: Ramachandran Mahadevan <ramachandran.mahadevan@gmail.com>
To: "ICAI_CIRC_MEERUT_CA@yahoogroups.com" <ICAI_CIRC_MEERUT_CA@yahoogroups.com>
Sent: Friday, 16 November 2012 4:07 AM
Subject: Re: {Amresh's CA's} Re: (CA Expert Team) Re: [aurangabad_ca] Question to ISA , CISA Members.
Dear Members20 years fraud at a bank branchHow many customers and our members can get affectedIf fraud is in more than one account.Let us wait patiently to protect ourselves our familiesOur friends. For Shri Dipakji to disclose theName of the bank without mentioning the branch.RegardsRamachandran M
Sent from my iPadDear Shri Ram,
All the words u used , I do not have faith at all " 'honesty pays',( It is credit balance in your life account, does not pay in life ) 'justice prevails' ( You fight and fight till you die) 'satyameva jayate'" ( words are deterred in life, I have evidence ) etc. Work hard some thing will come out. Be after it. Be after your Goal. The words are just only in Books.
I have not committed any innocence . One poor fellow did. He is uneducated , no knowledge of Life and Law and Process. I am just helping him to get back the money stolen by Bankers in collusion , starting from Cashier , Head Cashier, Cash Officer, Loan Officer, Branch Manager , Deputy General Manager, and last but not least , Chairman of the big Bank of India concur with no fraud , without any investigation in to the matter fully , truly and also giving the reply for reasoning of not debiting the EMI for 4 months , who closed the account 4 months back, how EMI was turned down to a lesser amount???!! No proper answer to the Question!!!! And concurring the Certificate every thing is correct!!!!! This is under CBS , totally computerized branch. Who will have faith in such bank?
One day will come out this fact with the name of the bank , branch , to you all.
For your information this branch if full proof of frauds only. Customer had experience . Every time documentation had to be given. Then they inquire. But without simply say nothing can be wrong at Branch level.!!!! If you produce documents to fraud then they will do some thing. But no inquiry. Without, going through the books , ledgers , inquiry they will say every thing is correct!!!!!!!!!!!!!!!I would say this Branch is full of fraudsters for last more than 20 years?!!!!Sorry for hard words.C A Shah D JUSA
From: RAMKUMAR SRINIVASAN <ramauditor@gmail.com>
To: ca_expert_team@yahoogroups.com
Sent: Wednesday, 14 November 2012 4:00 AM
Subject: Re: (CA Expert Team) Re: [aurangabad_ca] Question to ISA , CISA Members.
Hi all,
It is nice to see innocent people like you. You still have faith in our system.
My experience has helped me add a few more faiths like, 'honesty pays', 'justice prevails' 'satyameva jayate' etc to my existing list of superstition.
Any way let your innocence be your bliss.
Ram
On Mon, Nov 12, 2012 at 8:23 PM, Dipak Shah <djshah1944@yahoo.com> wrote:
Dear Shri Muley,I think you are the only one DISA and CISA Member have given response to my question. Hats off to you.I know one Prof Mr B M Muley who is Professor of Economics in Ahmedabad. R u related to him?
Thanks for suggestion. But every thing is failed. As far as I know Banking ombudsman is totally corrupt department. It is run by R B I , but Financed by Indian Bank Association. They take the side of Bank only...!!!!! As many as 40 channels have been forwarded of the Bank at All India level staring from Chairman of the Bank to Branch manager.!! All are in collusion and concurring , nothing wrong in system!!! But no reply as to non debit of EMI for 4 months, Reduction in EMI etc. No reply. Even then every thing is correct!!!My further question is How the account was diactivated for 4 months? How it was activated after 4 months with Lesser amount of EMI??!! Would this transaction Log in available! They have managed from all angles. That is why they from Branch to DGM level say every thing is correct!!!!!!!!!!!!!! How they are confident. Banks management is also totlally corrupt. My own Dictionary meaning of Corruption " Not to take any action amounts to corruption"I think in short span I will have to come out with Name of the Bank and Branch name with all trails of e mail starting from 15 days a go and time to time till this date.Thanks for immediate reply,
Regards,
C A Shah D J
USA
From: sagar muley <sagarmuley@yahoo.com>
To: aurangabad_ca@yahoogroups.com
Cc: djshah1944@yahoo.com
Sent: Monday, 12 November 2012 12:17 AM
Subject: Re: [aurangabad_ca] Question to ISA , CISA Members.
CA SAGAR R.MULEY,
FCA,DISA,CISA,
M.NO.9422209707
--- On Sun, 11/11/12, Dipak Shah <djshah1944@yahoo.com> wrote:
From: Dipak Shah <djshah1944@yahoo.com>
Subject: [aurangabad_ca] Question to ISA , CISA Members.
To: "AAYKARBHAVANGOOGLE" <aaykarbhavan@googlegroups.com>, "aaykarbhavan" <aaykarbhavan@yahoogroups.com>, "ahmedabadcas@yahoogroups.com" <ahmedabadcas@yahoogroups.com>, "ALWAR CA GROUP" <ALWAR_CHARTERED_ACCOUNTANTS@yahoogroups.com>, "aurangabadcas" <aurangabad_ca@yahoogroups.com>, "C A Bhupendra Shah Mumbai" <GlobalIndianCAs-owner@yahoogroups.com>, "C A Dipak Jain" <djain128@gmail.com>, "C A Krishanlal Bansal" <klbansal@gmail.com>, "C A Madhusoodan Kakkad." <camnkakkad@gmail.com>, "C A of Thane" <ThaneCAs@yahoogroups.com>, "C A Pune Groupd" <casofpune-subscribe@yahoogroups.com>, "CA News" <CANEWS@yahoogroups.com>, "ca expert team@yahoogroups.com" <ca_expert_team@yahoogroups.com>, "cacscw india group" <cacscwaindia@yahoogroups.com>, "cacscwaindia@yahoogroups.co.in" <cacscwaindia@yahoogroups.co.in>, "CAForumHyd@yahoogroups.com" <CAForumHyd@yahoogroups.com>, "Chartered Secretaries" <chartered_secretary@yahoogroups.com>, "Chartered_accountant@egroups.com" <Chartered_accountant@egroups.com>, "chartered accountant" <Chartered_accountant@yahoogroups.com>, "Company Secretaries Yahoo.Groups" <aicsc@yahoogroups.com>, "Company Secretary" <company_secretary@googlegroups.com>, "Company Secretary" <company_secretary@yahoogroups.com>, "CS A Rengarajan" <csarengarajan@gmail.com>, "CS" <cs_companysecretaries@yahoogroups.com>, "CS_MYSORE GROUP" <csmysore@googlegroups.com>, "Finpros Furum" <finpros@yahoogroups.com>, "ghaziabadca" <ghaziabad_ca@yahoogroups.com>, "icai-circ_ meerut" <ICAI_CIRC_MEERUT_CA@yahoogroups.com>, "itaxusers" <itaxusers@googlegroups.com>, "Jaipur CA" <Jaipur_CA@yahoogroups.co.in>, "JAIPUR CA JAIPUR CA GROUP" <jaipurca@yahoogroups.com>, "Jalgaon ICAI" <jalgaon@icai.org>, "Jalgaon C A" <jalgaoncas@googlegroups.com>, "lawprofessional Moderator" <lawprofessional-owner@yahoogroups.com>, "lucknow C A Group" <lucknow-ca@yahoogroups.com>, "lucknow" <Lucknowca_reinvented@yahoogroups.com>, "New Delhi CA forum" <new_delhi_ca@yahoogroups.com>, "nicsi@yahoogroups.co.in" <nicsi@yahoogroups.co.in>, "Panipat_CA@yahoogroups.com" <Panipat_CA@yahoogroups.com>, "CA RUNGTA PD" <pdrungta@gmail.com>, "Ranchi_Chartered_Accountants@yahoogroups.com" <Ranchi_Chartered_Accountants@yahoogroups.com>, "sensitiveadvisor2008@yahoogroups.co.in" <sensitiveadvisor2008@yahoogroups.co.in>, "taxfin" <taxfinsoft@yahoogroups.com>
Date: Sunday, 11 November, 2012, 5:43 AM
Dear All Members,I have one question to help one Defense Personal, Retired, now in USA , returning back shortly, where in cash fraud was occurred. The fact is as under.Some time back in December 2010 he paid the amount in cash in to account. After three months he came to USA for visit. This known to the Branch Staff . All Officer , Cashier, Loan Officer, Head cashier , Assistant manager, Senior Manager, all in collusion with did some thing that the amount was not credited to his loan account. !! Former debit of amount was amount Rs 2704 . After four months they started debiting the amount Rs 2606/- to his pension account!!!. This amount was different than the original which was being debited to his loan account for 2 to 3 years.I think they have in collusion with all togather even D Y G M at higher level did something . !!! It is very much surprised that how this has happened after 4 months. All people are not giving any reply for this postponement of installments for 4 months? How it was not done for gap of four months!! At all levels they do not give any reply for this gap and how debit of installments were not done 4 months and also in reduction of EMI.!!!Can any body give fullest clue of system audit trails from where we can find out the fraud!!I have asked them specifically that who authorized new installments? How it was reduced ? Who gave closure of the account ? Authorized by whom? Who initiated the closure , Who authorized the Lesser amoutn of Installments? Since this is branch under C B S for more than 5 years.
But from the chairman;s office is also silent over this matter ??!! Their office is just asking Lower People RGM, D G M to take action. But they are silent in giving proper reply. They only say that all records inspected and all are correct!!!!!!!!!!!!No body is giving proper reply for this Gap of 4 Months and lesser amount of EMI, Why there was not installments debited for 4 months. This being a CBS branch every such installments automatically debited to accounts. There can not be any lapse for not debiting account in any case??!! No reply in this aspect by any body from 40 persons starting from Chairman and all directors , Lower up to Branch Level!!!?
After some time I will be sending all correspondences to all members ......
Regards,
C A Shah D J
USASHortly all details wih the name of the Bank and Branch would be
--
Thanking You,
Cordially Yours,
RAMKUMAR SRINIVASAN94440 25089
Anil Kumar.S.C.
Anil Chandraghatgi & Co.,
Chartered Accountants, 75, Vijaya Sadan.Savalanga Road, Jayanagar.
SHIMOGA - 577201.
__._,_.___
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