Finance


There is a steadfast growth and increase in geometric progress of black money (unaccounted money) in Tamil Nadu. I am actually talking about rampant patronage of autos by the society and indifferent attitude of the government to place a check on them.

  1. Chennai autos are known for their notorious behavior of not using meters and charging exorbitant fares even for short distances.
  2. Most autos are owned by local dons, councillors, MPs and MLAs and sometimes by law enforcement people and then leased on daily basis to drivers.
  3. Most auto drivers have unions and have unholy nexus to force transport corporation to skip important stoppings so that they can squat there.
  4. Most vantage locations like Olympia Tech Park, DLF, Estancia near Sriperumbudur, SIPCOT entrance near Siruseri, Velachery Vijayanagar are squatted by auto drivers.
  5. Buses are often convoyed before and after by autos like 95/99 from E Tambaram to Thiruvanmiyur/Adyar.
  6. Buses are forced to skip stops and the auto drivers approach passengers in desperation with proposal for ride with exorbitant pricing.

For a ride of 1 KM they charge 40 rs (against 25 rs) a difference of 15 rs. So if we take average 20 kms per day for an auto they gain 300 rs in surplus.

With current Google statistics there are 17 million autos in Chennai. There is a whopping amount of 5,10,000 per day (unaccounted money) which goes to local bigwigs.

Petition Filed with Central Board of Direct Taxes vide CBODT/E/2015/04151

The most lucrative offering of Ministry of Railways (Railway Board) in India is the web presence called IRCTC. This is basically to facilitate online booking of railway tickets supposedly with ease for the customer. But in reality what actually happens with IRCTC. Here is the summary in nutshell:

  1. The bookings have been divided into two blocks for Tatkal. Higher reservations like AC starts at 10 and Sleepers starts at 11. But the agents and touts have sophisticated mechanisms and handy experience that the bookings get emptied in a matter of few minutes, faster than the flash sales of Flipkart.
  2. If the fare is 100, then payment gateway page will show 122 (PG Charges). Additionally your bank account might show up multiple debits and total debit might come as 130.
  3. Max booking per customer per month is capped at 6. Some people have 10 I believe. So exercise due diligence if you have weekly trips scheduled around.
  4. Cancelation of tickets is another nightmare. There is a very steep cancelation charges  online vis-a-vis the reservation counters.

I need to have my Savings Account for customer id xxx50 closed. Towards this I approached your Chennai branch. But I am not getting a reply for the following queries:

  1. How about sending a cheque to my address or NEFTing the interest earned till date (at the time of closing). They do not know how to do it.
  2. A statement of closing and a letter indicating no active relationships exist. They are mentioning they can tell it only orally and can not give anything as a printed document or send as courier.
  3. I tried to get the comment of call center but to no avail.

Looks like another Part II of this story.

HP in Chennai gives random mobile numbers for unrelated people and potentially selling cylinders in black market and grabbing the subsidy to their pockets. I am not HP subscriber but I am getting the following messages on my Airtel number from HP regularly. The bank account mentioned in one of the message is also not mine.

  1. Sender: DM-HPDBTL
    Message: Advance of Rs 222 transferred to ur acc xxx64 in Indian Bank against ur refill booking dt 22-Jul, Subsidy will be transferred on cyl delivery
    Sent on 26th July 2014 at 12:45:39
  2. Sender: DM-HPDBTL
    Message: If you want to avail LPG subsidy join PAHAL. Submit Aadhaar to LPG distributor and bank or if you do not have Aadhaar, submit bank a/c details to distributor.
    Sent on 13th July 2014 at 18:49:22
  3. Sender: AD-HPDBTL
    Message: Dear HPGAS Consumer, Join Nation Building by giving up LPG subsidy for benefit of poor and needy. To Give-up subsidy send SMS GIVEITUP to 9766899899.
    Sent on 08th June 2015 at 21:06:31

Reported to Ministry of Petroleum and Natural Gas via MPANG/E/2015/04320 on 26th July 2015

Response from Ministry:

The issue has been taken up with the concerned in HQO and the necessary corrections has been done in the system. Hence, wrong messages will not come in the customer’s mobile hence forth. Email dt 14/08/15 has been sent to the customer on the subject and closed. Email attached.
I have one similar observation where my room mate’s mobile phone is issued in the name of some one and Reliance refusing to investigate.
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One of my friend recently dined at Sri Vari Hotel located near Satyavedu, Tirupathi. The bill for dosa for INR 30 (without bill) and INR 35 (with bill). And adding to that they have designated counters for with and without bills.

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Social Media URL: https://www.facebook.com/photo.php?fbid=10201707330459769&set=a.1718828685290.2095157.1075462631&type=1&theater

A report has been sent to the following team for an appropriate action:

  1.  “cct@apct.gov.in” <cct@apct.gov.in>
  2. “spl_cct@apct.gov.in” <spl_cct@apct.gov.in>
  3. “secy_cct@apct.gov.in” <secy_cct@apct.gov.in>
  4. “addl_enft2@apct.gov.in” <addl_enft2@apct.gov.in>
  5. “addl_policy@apct.gov.in” <addl_policy@apct.gov.in>
  6. “addl_legal@apct.gov.in” <addl_legal@apct.gov.in>
  7. “addl_gen@apct.gov.in” <addl_gen@apct.gov.in>
  8. “addl_dmstat@apct.gov.in” <addl_dmstat@apct.gov.in>
  9. “jc_legal@apct.gov.in” <jc_legal@apct.gov.in>
  10. “jc_legaff@apct.gov.in” <jc_legaff@apct.gov.in>
  11. “jc_enft1@apct.gov.in” <jc_enft1@apct.gov.in>
  12. “jc_enft2@apct.gov.in” <jc_enft2@apct.gov.in>
  13. “jc_allact_dmu@apct.gov.in” <jc_allact_dmu@apct.gov.in>
  14. “jc_adt@apct.gov.in” <jc_adt@apct.gov.in>
  15. “jc_comp@apct.gov.in” <jc_comp@apct.gov.in>
  16. “dc_srstat@apct.gov.in” <dc_srstat@apct.gov.in>
  17. “dc_pmt@apct.gov.in” <dc_pmt@apct.gov.in>
  18. “dc_services@apct.gov.in” <dc_services@apct.gov.in>
  19. “dc_staff@apct.gov.in” <dc_staff@apct.gov.in>
  20. “dc_policy@apct.gov.in” <dc_policy@apct.gov.in>
  21. “dc_dmu@apct.gov.in” <dc_dmu@apct.gov.in>
  22. “ac_comp@apct.gov.in” <ac_comp@apct.gov.in>
  23. “ac_enft1@apct.gov.in” <ac_enft1@apct.gov.in>
  24. “ac_enft2@apct.gov.in” <ac_enft2@apct.gov.in>
  25. “ac_enft3@apct.gov.in” <ac_enft3@apct.gov.in>
  26. “ac_enft4@apct.gov.in” <ac_enft4@apct.gov.in>
  27. “ac_enft5@apct.gov.in” <ac_enft5@apct.gov.in>
  28. “ac_enft6@apct.gov.in” <ac_enft6@apct.gov.in>
  29. “ac_enft7@apct.gov.in” <ac_enft7@apct.gov.in>
  30. “ac_enft8@apct.gov.in” <ac_enft8@apct.gov.in>
  31. “ac_enft9@apct.gov.in” <ac_enft9@apct.gov.in>
  32. “ac_general@apct.gov.in” <ac_general@apct.gov.in>
  33. “ac_pmt@apct.gov.in” <ac_pmt@apct.gov.in>
  34. “ac_vat@apct.gov.in” <ac_vat@apct.gov.in>
  35. “ac_allact@apct.gov.in” <ac_allact@apct.gov.in>
  36. “ac_cru@apct.gov.in” <ac_cru@apct.gov.in>
  37. “ac_la@apct.gov.in” <ac_la@apct.gov.in>

A couple of days back I had one interesting telephone call from some one called Abhirami pretending to be from ICICI Bank. The calls were received on the following occasions:

  1. Abhirami (91 78718 81507) on 28th April 2012 at 11.30
  2. Arun (91 98840 00975) on 28th April 2012 at 14:59

The narration of the call is as below. The worst part is that these calls landed as an International Roaming which I am planning to invoice ICICI for reimbursement of the same.

Abhirami is asking for some one called ‘XXX’ abusing my parents for some outstanding credit card due since 2004 claiming around 15,000 balance in that. When we asked who she wanted to talk, she was telling the name as ‘XXX’ and when we asked the address she replied ‘XXX’ from Saidapet. Our address is not in Saidapet and when we asked her to read the complete address she appeared to be scratching the heads and arse and replied ‘2, Naidu Street, Saidapet’. When we asked the account number/card number and her identity proof that she was indeed calling from ICICI she hung up the call immediately telling that she would call later.

In the afternoon some one called Arun called me asking for ‘XXX’ and he introduced himself calling me to give the details about credit card due payment.  We told him that we didn’t call them but some unsolicited call from lady who called regarding some unknown credit card balances. This person was telling about some 20,000 dues and he gave the name as ‘EggsEggsEggs’ but he was spelling out the same Saidapet address.

He was telling that the account started in the year 2000 and the credit card due is from the year 2004. This guy contradicted himself telling that he is calling from Saidapet and Ambattur and some how managed to cover up the story as the collection agent is based in Ambattur. When we asked him to send the credit card/account number and statement by email and sms text he agreed but he has not sent it till now which clearly shows that he is a fraud.

A few research results:

  1. I don’t think I ever got a ICICI Credit Card till 2002 and I believe the presence of ICICI till 2001 in Chennai was also not significant.
  2. Also these numbers are not listed in http://www.icicibank.com/Personal-Banking/pdf/DSMG_agency_list.pdf and hence I think the two duo are just but another set of scammers out of the box.

I would like to share the incident with others here so that people and ICICI can be wary of these scammers before they wreck havoc on more customers. A report has been sent to ICICI Customer Care and Head Service Quality but has not been commented upon or actioned as of this time.

Note: Other than the offender’s names, all other names have been masked for privacy purposes.

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