Saturday, April 20, 2013

Banks In India , pl spare widows, heirs and already harrassed citizens ......

The Finance Minister,
The RBI Governor,
Indian Bankers Association,
All banks.
As most of you are aware I am running senior citizens organisation for last abt 10 years. Many different cases/ issues / request come to me for guidence/ assisatnce. I try to help them free of charge / no obligations/ and even offer them a cup of tea.
Recently a widow gujrati lady in her 50's came to me. Where her husband had died recently. She informed me that he had three bank accounts and two FD's. All five deposits in different banks. He had left a will but did not keep 2nd holder or nominee.
As per his last will the ney had to go to her son but who was just 15 years of age and was preparing for exams.
I consulted my friend and helpful person Ad Sandeep Jalan who advised for bank accounts heirs do not need will to be probated in high court. So she straight away saved on time and money which would have been spent on securing probate. Thanks to Ad Sandeep Jalan ( any one who needs his mobile no. for any legal help may pl. write to me as he specialises in will, probate and writ petitions).
Now the real sufferings: Demised person had his three acconts in fort area. After his death there is no one who is familiar with that area/ those bank branches. The widow is unable to go all that far specially when there r three children and one ailing mother inlaw of age 79 yrs. Just to help her out I approached these banks and narrate in brief the expirience:
1. Bank of Baroda: They said here is a claim form but claiment must get two surities who are having account with this branch. For her it was difficult to get such a surity while she had other very well placed relatives willing to stand surity but did not have account in BOB. The surity draft was not having enough space to write like to write address they gave an inch of space. They asked for franking surity bond with rs 200/- . Some otherbank aske for Rs 100/- . Are laws different for different banks in one contry?
2. ICICI bank, Fort. : Since they claim to be a very advance bank I searched for farms on their web site. I did not get it there. Then I sent an email to them requesting them to send forms by mail. After having no response I went to near by branch of ICICI. They insisted that I must go to fort branch to collect forms. Thsi was ridiculous. These forms are just stationery and sholud be made availble anywhere easily. My attept tp convince that I am not lodging a claim here I just want form and we will lodge claim only at base branch. But to no avail.
3. Bank of India has another requirement besides other requirements. They will lodge your accont in pipeline ccount etc etc..
I am still to visit rest of the banks. We r not entering here in issues like why this person did not have nominee or why he had so many accounts. Probably at this age of 50's he never realised that he will die in an accident and hence must have thought he has time to do needful later. It is amazing that atleast he had kept a will or esle the formalities would have been much lenghtier.
All forms are differnt in language and contents though they mean same thing.
TO RBI, IBA, Finance ministry:
Sir/ Madam,
We Indian common men are already harrassed citizens. Suffering everywhere. How it helps you in seeing our life further getting worst?
RBI/ IBA can have one common draft for such formalities hosted on net, with Q and A for guiding account holders on each steps and allowing them to submit claim at nearest branch from where the forms can go to base branch.
I wonder if some one is on transfferable job and recently transfeerd more then once and had accounts in different cities then will such widow heirs have to first travel only to collect forms. Then will they have to hunt for surities from same branch.
If the banks decide to have common forms then one has to help such claiment for filling only one form and reast they can manage but presently all banks have their own formats.
Here I thank AMFI/ IRDA who have made many common forms really common to be used easily by anyone by just loggiong in to any one fund house.
Hope wisdom and compassion will prevail and things will be made easier for account holders.
Thanks and Regards,
Alok Tholiya,

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Thursday, April 18, 2013

researching for veg capsules.

Alok Tholiya 
3:27 PM (0 minutes ago)
to Jain, bcc: Abhishek, bcc: Activist, bcc: Activist, bcc: Activists, bcc: Ad, bcc: Ad, bcc: Ad, bcc: Ad, bcc: Ad, bcc: Adhyatm, bcc: ajay.m.prakash, bcc: ajay.prakash, bcc: ajitjain, bcc: akhilesh, bcc: ALOK, bcc: amit, bcc: amitjn2005, bcc: ANIL, bcc: Anil, bcc: Anuj, bcc: anuraag, bcc: Archu_jain143, bcc: Banglore, bcc: Bharatiya
See following reply. It tells that most capsules are non veg. And I will be compelled to have same. I wonder when there r so many vegetarians then why some one is not interested in researching for veg capsules. 

Thanks and Regards,
Alok Tholiya,

---------- Forwarded message ----------

From: Dr.Jayanta <>
Date: Thu, Apr 18, 2013 at 9:13 AM
Subject: RE: Post a Question

Dear Mr. Tholiya

Thanks for your question. Unfortunately we don’t have any product with 300 mg CoQ10. We have a product QGold in combination with other vitamins and minerals with CoQ10 100 mg. That will need one capsule thrice daily for a 300 mg CoQ10. This is a drug so no question for veg and nonveg arises.

Honestly, all such products will have a non-veg mark if dietary, because the capsule shell is always from nonveg source. To my knowledge, there is no product in the market that has a vegetarian capsule shell.

Hope this clears the matter.

Please feel free to revert back for any questions.


Dr. Jayanta Jana
Vice President
Medical Affairs
Pharmed Limited  

From: Administrator []
Sent: Wednesday, April 17, 2013 5:41 PM
Subject: Post a Question

Contact Us

First Name : Alok
Last Name : Tholiya
Your Email :
Mobile : 919324225699
Comments : Respected Sir/ Madam,

I had gone to Sankara Netralaya Chennai for consultation and investigation for my right eye affected due to Optic Neuritis.

They have prescribed CO Q 300. It seems it is a co enzyme CO Q 10 in potency of 300 mg.

But Co Q 300 offered by Sanofi Healthcare is a non veg. capsule and I hv been to best of my knowledge pure veg/ Jain. I hv tried and talked to officers in Sanofi but they say they do not know any alternative in veg. Can you pl. help me by guiding for alternative veg. product.
Address : Tholiya Bhavan, 10th rd, Santacruz East, Mumbai 400055

Submitted by

Wednesday, April 17, 2013

I shall fight unjust courts and other govt depts......Alok

निर्णय आपको करना है ?
निर्णय आपको करना है ?
  • You and Ashish Gohil like this.
  • Alok Tholiya I believe in this strongly. But so called wise people insist that we must compromise and surrender before unjust system.

Tuesday, April 16, 2013

the scientists and industrialists have to offer better alternative to leather........Alok

Like ·  ·  · 4 hours ago · 
  • Alok Tholiya Give alternatives , better looking products at lower prices.
  • Alok Tholiya Atleast suggest alternatives. When I try to buy a non leather belt I am unable to get good quality and in good brand. Animal lover industrialists have to offer alternative to leather products and a activist like u hv to suggest alternatives.I purchsed a Godrej brand costly sofa set as same was not having leather cover. But now in summer inspite of AC being on person sitting on this sofa starts sweating where ever one is in contact with artificial leather. So lot of research is required to avoid use of leather. However I appreciate your call.

Monday, April 15, 2013

Recently I read somewhere abt new charges on sms alerts by HDFC bank

Recently I read somewhere abt charges on sms alerts

I duly protest on unreasonable charges unilaterally levied once we have opened an account with you. And when HDFC finds that we are stuck up with you.  

I feel like mobile portability RBI must now introduce norms for bank account portability so one can easily switch to other bank and does not get  sucked like milch cow. 

On one hand govt gives so much of freedom to banks , electric suppliers,milk suppliers  taxi, autos, PUC booths ( they started with Rs 20/ per vehicle few years back and now charging Rs 100/-) , pay and park ( started with Rs 3/- are now Rs 100/- per 3 hours) years    etc etc who  hike their charges as and when they like but old property landlords 
coming under rent act of 1950's are not allowed to even charge Rs 1 extra. 

 I am still getting Rs. 30 per month per room from my tenants who are happily paying for cable TV/ DTH Rs 450 per month, paying Rs 42 per liter of milk, paying Rs 250 per plate in a hotel, paying Rs 80 per litre of petrol but but same tenants represented by Murli Deora , Ad D C Mehta says are poor and can not afford increase in rent. And double standard courts and govt allows them. 

Sir, I will not tolerate in new charges on my account and as it is while u were charging 10% on LAS accounts as interest now u charge 14% +. All unilaterally. On these charges top bank officials thrive and make millions by making us poor. 

And poor landlord are not allowed to levy a single paisa. And they say equality??? Ad D C Mehta who was charging very low fee 20 years back  is now charging in  lacs but wants landlords to get peanuts. So be it banks , politicians , media or advocates all want to be rich at the cost of innocent citizens especially poor landlords... the shelter providers. 

.Thanks and Regards,
Alok Tholiya,