[aaykarbhavan] Re: [TaxFinSoft] Re: [aurangabad_ca] Question to ISA , CISA Members.

Dear Shri Rajkumarji,
                                 Thanks for your comments. This case is not for debit of charges . But a question of Integrity of Bank Management. Where in Custoemr paid the amount of loan in full. Thrown a way the counter foil , material document. EMI was fixed at the time of when loan was sanctioned About Rs 2704/. When account was closed it was fixed. When Bank people came to knw that the person left for USA. They all managed every thing after 4 months. Next EMI after 4 months started deducting Rs 2640. This is very complicated. In CBS branch can you believe that it can be reduced automatically!! Not only this but they are not divulging an information and explanations to this.

How their computer system audit works it a question. This is not a ordinary bank like Bank of Maharashtra as you stated. This is one of the founded bank and also back bone of Faith and Ethics, moral, principle  standards, where from Chairman and down to Branch Manager do not hear and give any reply!!!!!!!!!!!!!! This is the state of affairs of a big Bank.

Please note that I am writing this on behalf of one person retired from Defense.

Thanks for reply,

C A Shah D J

USA

---

From: rajkumar dugar <rajkumardugar@yahoo.com>
To: sagar muley <sagarmuley@yahoo.com>; "aurangabad_ca@yahoogroups.com" <aurangabad_ca@yahoogroups.com>; Dipak Shah <djshah1944@yahoo.com>
Cc: 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>
Sent: Saturday, 17 November 2012 1:31 AM
Subject: Re: [TaxFinSoft] Re: [aurangabad_ca] Question to ISA , CISA Members.

Dear Mr. Shah My experience with BOM is totally different from you. I have got the credit of charges wrongly debited by the bank with the help of BOM. So please go ahead with BOM if bank will dispute the matter you will get an opportunity in person or yourself or by authorised representative to present your case. Thanks         --- On Mon, 12/11/12, Dipak Shah <djshah1944@yahoo.com> wrote: From: Dipak Shah <djshah1944@yahoo.com> Subject: [TaxFinSoft] Re: [aurangabad_ca] Question to ISA , CISA Members. To: "sagar muley" <sagarmuley@yahoo.com>, "aurangabad_ca@yahoogroups.com" <aurangabad_ca@yahoogroups.com> Cc: "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: Monday, 12 November, 2012, 8:23 PM   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. Dear D.J. Shah   Just ask for Transaction logs and Access logs for such transactions and also file your complaint under Banking Ombudsman scheme of Reserve Bank of India, you will definately get a result.   Regards 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 USA SHortly all details wih the name of the Bank and Branch would be

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