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Date Posted: 23:06:34 01/06/11 Thu
Author: zenu (fhfhfg)
In reply to: Javed 's message, "QUESTION MANAGO, ANSWER BANA" on 21:34:52 08/30/07 Thu

>By Javed – 20 October 2006
>i need v much about journal knowlege plz help me

>Each government claimed easing the public life by
>simplifying the lengthy and complicated daily life
>office procedures. But in practice the life was made
>more difficult by those who were to implement these
>wishes of the Government. This is why whenever I hear
>such a slogan now I keep myself ready to face more
>hardship and expense. When Nawaz Sharif as Punjab
>Chief Minister raised a similar slogan immediately the
>sui gas authorities in his home town introduced a new
>condition that henceforth with application for a new
>connection the applicant would also need to attach a
>copy of his next neighbour’s paid gas bill. Recently
>a new Reforms Commission has been made under the
>chairmanship of ex Governor SBP Dr. Ishrat, the same
>Governor under whose tenure the bank profits to saving
>account holders went to minimum level, new services
>charges were introduced. I am shivering knowing about
>this commission.
>The Federal Ombudsman since its establishment in 1982
>was receiving complaints against Banks. The
>procedure was very simple. I myself filed many
>complaints, got relief in as much as that I got the
>new clauses included in the new Account Opening Form,
>amendment in some provisions of Foreign Exchange
>procedures/rules, standardization of receipt of share
>applications in Banks, order for issuance of bank pass
>books etc. A year back a separate banking ombudsman
>was established – what was the need of it at least I
>cannot understand. Does the authorities wanted to
>wrongly believe us that the Federal Ombudsman had
>failed to do proper job as far as banking complaints
>were concerned? To me Federal Ombudsman was doing a
>very fine job.
>When in July 2005 the Banking Mohtasib was established
>I felt it would more facilitate the common man. I
>could not believe some of the rigid provisions
>provided in the procedure. It is a common knowledge
>that Government departments including the Banks hardly
>give any written reply to account holders or domestic
>clients queries. General Zia on complaint from an
>audience stated they (bureaucrats) do not given answer
>even to their fathers.
>I addressed the Habib Bank Branch for about 2 years
>asking for non receipt of my six monthly statements.
>I wrote at least 6-8 reminders not to get even a
>single response. On the costly web system of HBL Head
>Office I filed my complaint with Head Office and
>repeatedly did this as reminders. Neither the Branch
>nor the Head Office cared to give any response.
>On establishment of banking mohtasib I filed a
>complaint against the attitude of HBL Head Office
>which is more serious than non response by a Branch.
>I could not believe when I was advised that as per
>procedure I would first have to write (again) to the
>Bank again this time invariably stating in my letter
>to the Bank that “in case I did not get any response
>in 90 days I will approach the Banking Mohtasib”. I
>could not believe in this 21st developed century that
>my 2 to two and a half year writing to the bank had no
>value. Giving an additional 90 days time to the bank
>just for a response to me as far as domestic saving
>account holders are concerned is just a sympathetic
>pat for the banking bureaucracy. This reminds me of a
>very old article entitled Bureaucracy Again. I was
>also advised to attach a prescribed Complaint Form
>without which my complaint cannot be registered. The
>complaint form contains information about complaint’s
>name, address, bank name, account number, nature of
>complaint etc. To me this Form was superstitious
>requirement as all this information is invariably
>given in the writing complaint. I do not remember out
>of some 20-30 complaints against Banks from 1982 to
>2000 I ever attached the similar complaint Form
>prescribed by the Federal Ombudsman. They did not
>insist though attaching of that Form also was a
>requirement with Federal Ombudsman.
>We are in modernized word. Our IT Minister talking
>with US Ambassador in Pakistan stated introduction of
>computerization in government offices in Pakistan
>would not only ease the public life but would also
>change the attitude of bureaucracy. Is it so? Senior
>columnist Irshad Ahmed Haqqani stated that west today
>gives reply and solve citizens problems in minutes and
>hours on the web whereas we have ‘badened the shape of
> even of it?
>As a common man I understand that Banking Mohtasib was
>established by the SBP and an appeal against any order
>of the Banking Mohtasib can be filed with the SBP.
>Taking the SBP as appealing authority, I recently
>highlighted to the SBP that giving a further 90 days
>margin to the bank in cases like domestic saving
>accounts holders whose problems only are non receipt
>of six monthly statement, late credit, non acceptance
>of utility bills, non issue of cheque books, hence
>this 90 days limit condition should be waived of. The
>answer from this appellant authority is not only
>interesting but also shows the attitude of todays
>web-loaded-bureaucracy towards common man. The
>Authority instead of replying me in a nice manner eg
>your suggestion was considered but it cannot be
>accepted at present, or thank you for your suggestion
>which will be considered at appropriate time etc the
>straight away reply was the Banking Mohtasib has not
>been established by SBP but under clause so and so
>under Companies Ordinance. This to me is answering
>banana to a question about mango.
>When I raised complaints with Federal Ombudsman eg
>against some provision in Foreign Exchange procedures,
>knowing well the Mr. Justice Sardar Iqbal the first
>Ombudsman Pakistan to whom recently a DAWN article
>termed as “so far unmatched for ombudsman”, the SBP
>never gave answer that these provisions were provided
>under Ordinance so and so rather gave to the point
>answers (my requested amendments were made).
>The other day a columnist well stated God has given
>special attention to we the Pakistanis to suffer, and
>suffering and keep suffering.

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