Banks V/s Jagruk Janta, Who Wins?
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- Опубликовано: 27 июл 2024
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Chapters:
00:00 Intro
2:05 What happened with Manav?
5:00 How Manav won the case?
7:40 Strategies to save yourself
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Shot & Edited by: Money-Minded Mandeep, Naveen Agarwal, Rohan Agarwal
Presenter: Jagruk RJ, Money Minded Mandeep, Venika, Garima, Naveen, Anadi Andy
Shared by: Jagruk Subscriber Manav Motwani
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Story shared by Jagruk Subscriber : Manav Motwani
@LLA. BANK WALE LOAN LENE KE BAAD O APNA O APNA INTEREST INCREASE KR DIYE O AISA KYU KR RHA HAI. o bol rhe ki share gir rha
Hi LLA,
One incident happened with me also, I closed OneCard one month ago but they didn't credit my amount.
I warned them 3 times but they didn't credit. Then I warned them again in email by saying I will take help from RUclipsRS.
Then they credited the amount in same day.
Dearest Team @LabourLawAdvisor!
I was doing a bank transaction with SBI to SKMU, DUMKA (Jharkhand) but by mistake I entered the wrong registration number and made the payment of INR 3685/- towards it. Then, I contacted my bank and lodged a complaint there about the same. They assured me that it will be refunded to my bank account in few days. But, it has been 7 months since then. Even I complained to RBI Ombudsman but in vain. Please help me! 😢😢
Sir, I am a Pakistani so can you recommend me a RUclips channel because India and Pakistan have different laws?
@@Mr_Gamer17 due to increase in repo rate which is linked to interest rate as external benchmark
This is the most useful video. I am proud India has organisations like RBI who care about the common people. Thank you LLA.
😂
(after adani case) SEBI : 🗿
😂
RBI only cares special people not common man.
Don't be so happy. This guy got lucky. RBI is not that helpful for common man
As an RBI employee, I am feeling very proud of my organisation as well as happy for Mr. Manav.. ❤🥺
😂😂
RBI bhi sahi investigate nahi karta
Asst or Grade b sir ???
@@ankith1316 Office Attendant, brother.
@@bireshwardey007 which office
This is brilliant. We often are unaware of our rights and these corporations take advantage of this. Hats off. ❤
I had similar help from RBI during lockdown when HDFC put my loan into moratorium without my consent. I fought for 4 months and got it corrected.
How long did it take for RBI CMS complaint to close? 😓😓
As a banker myself, I would like to point out one more problem that happens with many people. They get offers of lifetime free credit cards but then bank charges them for the card. Then when the customer complains and deny to pay the charges, bank does not waive the charges but simply writes them off. Due to this, credit score of the customer gets impacted which they realise only when they apply for a loan.
Good point
How can one know whether those charges were waived off or written off?
@@udayteja4946 If they are charged it will appear on CC Bill and if not they wont appear on CC bill. That’s simple
@@radhamanohar2307 Thanks for the information.
Bank staff are full of frauds... Some staff are paid to fool people... Why you keep on calling customers.... Credit card Lelo.. credit card lelo....
As an Indian 🇮🇳 . Proud of RBI ❤ , If any employee of RBI is watching then please keep up doing this amazing work 😊
That's why I like this central govt. Our voices are now being heard
The same case happened to my father 😢 he was promised a lifetime free SBI elite card because he had done a certain amount of transaction in his SBI account and he filled the form and got the form but later in that month 5000 rupees were deducted from his account, he felt very bad , and i was also feeling bad for my poor father he was scammed by the banks, the same banks who are entitled to keep our money safe but they also scam people and the funny part is they think we are supposed to trust them. But later my father did complain in the bank but he refused by the bank by saying that it was your idea to fill the form to get the card. My father felt like his trust has been over with and he got scammed, but he doesn't know what to do hence he is still paying that God damn card. Even these government banks scan people too that is so frustrating.
why don't you close the credit card
Thank you... from proud rbi employee
@@SVG7717 😂😂
This is truly brilliant. It's remarkable how frequently we remain oblivious to our own rights, allowing these massive corporations to exploit that fact. My admiration knows no bounds. Kudos!
seriously itna great knowledge or kisi channel pe nhi mil sakta thankyou so much #LLA team.
Watching since 2 year and now i am 18 and becoming jagruk after every video of LLA . You are doing great work thank you ❤.
Bhide bhai😂
@@sandeepkumarpatidar3719 mai bhi yahi comment karne wala tha xD
16 se yahi dekhra h ..you need more friends and hobbies
👍🏻
The same case happened to my father 😢 he was promised a lifetime free SBI elite card because he had done a certain amount of transaction in his SBI account and he filled the form and got the form but later in that month 5000 rupees were deducted from his account, he felt very bad , and i was also feeling bad for my poor father he was scammed by the banks, the same banks who are entitled to keep our money safe but they also scam people and the funny part is they think we are supposed to trust them. But later my father did complain in the bank but he refused by the bank by saying that it was your idea to fill the form to get the card. My father felt like his trust has been over with and he got scammed, but he doesn't know what to do hence he is still paying that God damn card. Even these government banks scan people too that is so frustrating.
This Man taught the Bank a solid lesson.
Namaste Labour Law Advisor ji,
Aapka channel dekh ke dil khush ho jaata hai! Aapki videos se lagta hai ki aap sach mein labour law ke kanoon ke Pandit hai.
Main aapse bahut kuch seekhna chahta hoon aur aapke saath kaam karna bhi. So please accept me as your shishya and guide me on the path of success.
Dhanyawaad!
Great job to you and your team, Labour Law Advisor! Your expertise and hard work are truly commendable. It's evident that you're dedicated to providing valuable insights and guidance in the field of labor law. Keep up the excellent work!
I had personally tried RBI ombudsman scheme and hat’s off they do great job..
Proudly to have these supervising bodies in our country
How long did it take for RBI CMS complaint to close? 😓😓
An incident happened with me. I have taken education loan from SBI, My course duration was 4 years but after 3 years they have started calling me for repay of loan, I have complained to rbi and then they have stopped the calling. So I give consent to close the complaint.
but now onwards mode of interest was changed from Simple to compound....
upto 3 yesrs of loan, type of Interest was Simple, but my course duration was of 4 years.
I have complained to bank about it but after 1 month they haven't resolved my problem then I moved to RBI ombudman and now I got compensation of 70k.
that was very good feeling...
Thank you so much for this insightful video! I recently found myself in a similar situation where I was misled by a bank representative regarding a credit card offer. Feeling lost and unsure of what steps to take, I stumbled upon your video and found it incredibly empowering. Following your guidance, I lodged a complaint against the bank and today, I am thrilled to share that justice has been served. My credit card has been rightfully termed as lifetime free, and the erroneous charges have been refunded. Your advocacy for consumer rights is truly commendable, and I cannot thank you enough for empowering individuals like me to stand up against corporate injustices. Keep up the excellent work!
Thank you LLA for making such type of videos that really educate people in this world full of scams ❤
I happy to say that I have subscribed to channel who not only upgrading our knowledge but parallelly saving our hard money
It’s superb
Mere sath bi ayse hua
But RBI ko CC me rakh kr conversations hue at least one month tk uske bad jakr full refund aya hai mera refund 92 hazar kuch rupiye tha
Ap hi k videos se knowledge hua or finally I’mh appy
Nice video, hats off for the excellent efforts to educate us !
Thank you LLA for making our lives more JAGRUK!. When I first discovered your channel a couple of months back I immediately knew this channel is worth subscribing and sharing.! More power to you!
Same thing happened to me for Axis Bank CC. After 2 months, thankfully they agreed that it was a mistake from their end but still I have paid the joining amount. They gave me the rewards which obviously of no use.
Wish I knew the RBI ombudsman at that time.
Thanks to you and LLA for this info.
HDFC bank agent called me and told for lifetime free millenium credit card for card to card activation offer. card to card means i have already SBI credit card on that basis they issued HDFC credit card.
is this genuin or fraud. i have recorded all calles and customer care verivication call also in deetail way.
plz guide
@@vivekiitb034 they regularly call people to sell their credit cards. That's not illegal.
If hdfc has sold you a card or deducted money from your account without your knowledge, then you have a right to complain to RBI ombudsman.
Such a great information man!! Thanks...😊
Happened with me as well. icici bank employee did it. I paid the 590 charges initially and then picked it up with customer support. Took me a whole 3 months to fight with 10 different people from the bank to finally reverse the charges in my statement.
Only financial RUclipsr whose video is worth watching 3 days before my jee exam😂
Best of luck, baad me dekhna lekin
- RJ
@@LabourLawAdvisor thank you inspiring rj
Jee advance hai kya bro
@@vabesvaradwaj nhi Mains h bhai
@@awakenharsh best of luck bro
Nice use of Short it helps to get traffic to videos.
Not shown any clip of video but still made us to view video.
I am saving this Short as a marketing tips
Great and informative AV. Tysm u rock
Ekdum mast information diya aapne! Dil khus ho gya....
Aise hi jagrukta failane ke is nek kam ko karte rahiye insa allah bhagavan aapko aur aapke parivar ko hamesha swastha aur sukhi rakhe...
Brilliant video! Explanation was right on the money. Thank you for bringing such sensitive topics for the common people.
This is what true community called LLA by sharing such example and keep us aware
Really appreciate your effort for spreading awareness ❤️
Most helpful video! Sooo informative!
Similar thing happened to me with HDFC Bank . I was then given an option either to make standing instruction to either pay ebill/ mobile bill monthly or spend above a certain amt. Otherwise pay 1500 plus gst .
I have one suggestion.
By default your dialer is set to google dialer so that app gives prior notification like "This call is now being recorded"
You can turn it off by changing that option, you check search on youtube and you will find tutorial for that.
Hence, that annoying voice of 'Recording started' can be removed!
And, thank you very much for your efforts in educating nation about finance and stuff.
Love you, team LLA ❤️
Can you please send the video link ?? I also want to remove Google dialer recording voice
Same problem has with me in my new mi 11 note pro+5g however after searching a lot i found others countrys like Indonesia, taiwan official rom has miui dailer which has automatically call recording without any announcement 😊
Can you please share the link for the video
Very useful video , thank you LLA 🙏, we (subscribers ) truely feel educated in this field by watching your videos .
Extremely useful and the way yiu share it is also very good. Thank you
Thanks for sharing the story in details along with proper solutions.🙏🙏
Nice one Rishabh, but one thing I want to add... In certain cases the card charges are not reflected in first month rather after a year as they ideally make it free for first year... And by the time you realise it's already late.
It's never too late. Just proceed with your complaint.
Can't thank you enough😊 you have done amazing job as always
Thank you for spreading awareness
Yes this is the most valuable information sir, thank you so much ❤
Excellent video. Hey, can you also cover on banks recanting on benefits touted during advertisement for their credit cards. Some cash back cards have started to withdraw benefits which they initially used to advertise, and that too within a span of less than a year.
Bohat acha laga story sunkar......❤❤❤❤
Hi Rishabh/Mandeep,
Plz make a video on the overdraft facility on the home loan. What are the pros and cons of this..and under what condition we should consider it or opt for a normal home loan.
Thanks 🙏
The most useful and informative video! 👍
Thanks a lot for the info . And letting us know what to do
This is exactly what happened with me recently by hdfc bank. But thankfully they did agree to fulfill their promise after heated arguments with bank manager.
But thanks for making this video to spread awareness and knowledge to take further steps if issue doesn't get resolved through bank end.
Same, hdfc disputes offered me LFT but I preferred just to surrender the card.
Which card?
Thanks a lot LLA for sharing such useful information with us. Truly grateful ❤
Very Useful, Plz keep up the good work
I love this channel and content delivered thank you
This is the great achivement manav, congraculation
This exact problem happened to me too. The employee in the bank said to me that if you spend 20000 in the first 30 days then there will be no annual charge. But in March of the following year 700+ Rupees was deducted. When I contacted the relationship manager they told me that I actually had to spend 50000 in the first 30 days.
Complaint if you have proofs
Very informative and properly researched...
Thank u sir to give most useful knowledge
i never miss a single short or video
Wish for 10M in 2024😇
Mithai khilani padegi sir ji dekh lena
I recently got the same from ICICI Bank for their Coral Credit Cards ; After watching this video I called the customer care and they confirmed all the things the sales guy claimed. So I think it depends if you are going to be scammed or not. BTW on the brochure he shared there is joining fee and annual fee mentioned, but the customer support said that you got this card in offer so they are waived off. I will be looking at my bank statements closely for next few weeks.
Thanks for the video, tu bahut acha kaam krta h re
HDFC bank agent called me and told for lifetime free millenium credit card for card to card activation offer. card to card means i have already SBI credit card on that basis they issued HDFC credit card.
is this genuin or fraud. i have recorded all calles and customer care verivication call also in deetail way.
plz guide
on what basis you got life time free card ?
Bhai icici be mera sath pehle fraud kra tha
@@vishalgaur7867 bharosa to nhi hota hai aaj kal mujhe bhi, let's se. I will be monitoring my account for few weeks
@@vivekiitb034 the sales person said it was on basis of my account history. ( I am also a premium customer)
Most useful and thanks for the RBI website and information.
Thank you so much :) This video is really helpful. Even I was given a lifetime free credit card from ICIC bank and later after 1 year, they started charging me. I had to cancel the credit card. I was not knowing all this. Thanks for sharing and making me more jagruk :) Appreciate your hard work a lot!
I did a similar thing with Zest Money as they spoiled my Cibil score for a transaction which I later cancelled. They even closed the loan on the app but actually submitted default to the credit score companies.
LLA as always educating us. ❤ from Kanpur, UP.
Thank you sir is tarah se hame jagruk rakhne ke liye...
Thanks for this 🙏🏻
Hey LLA team, can you also make a video on good free credit cards or whether it is worth it or checklist before buying a free credit card(this point is mostly covered in your current video)
I did the same thing, when the paytm postpaid service charges me a huge penality. I struggled for 4 months with postpaid customer care and lost cibil score by 120 points. But finally register my enquiry with RBI it resolved very quickly and peacefully.
Paytm postpaid is the worst
I think this the channel are really upgrading my day-to-day life knowledge. We need such influencer.🤟
The RBI's grievance management is great! I faced an issue with a prominent NBFC for a loan, and they were not responding to my complaints or escalations. Fast forward to raising a complaint to the banking ombudsman, my issue was resolved in 1 day!!
Same happened with me for hdfc card it was offered as free card, but I was charged 499+GST. When I complaint them they said card is chargeable and that card agent left the job, i have paid the charges but they are not providing any resolution. I don't have any proof right now.
If you don't have any proof then you can't do anything.
Hats off to manav.
Thanks to LLA for this wonderful story.
Dil Jeet Liya Sir What A Victory ✌️✌️
Very good work by LLA
Please keep informating us like this
Hello Sir, I was loosed my 2lakh by cyber fraud and I was complain against it also. But no response from bank side. So can I complain it RBI website ? Please 🙏
Thank you LLA Team for sharing information about RBI Ombudsman and how it can be helpful for resolving banking issues. Your video has been informative and helpful for those facing problems with their banks.
I recently opened a zero balance savings account with IndusInd Bank and requested a debit card through their official banking app. Although the app did not show any charges for the card, the bank deducted Rs. 2950 from my account for issuance charges. Despite complaining to the bank, I did not receive an appropriate response.
After watching your video, I have decided to register a complaint with the RBI Ombudsman to resolve this issue. Thank you for sharing this valuable information and helping people like me to seek justice.
Did you got your money back?
@@viniistfu yeah within 2 days
Very nice & informative video!!
Really great...❤️❤️
For me the credit card people charged Dec 2022 transaction on Mar 2023.
Even at that time they have charged some charges but when I called the customer care guy was rude and told me "BANK CAN CHARGE AT ANY TIME AND ITS THERE CHOICE"
I would like to express my gratitude to the LLA team and commend Manav for sharing his experience. Unfortunately, I also had an unpleasant encounter with SBI concerning a password reset issue on Yono. Despite several attempts, the bank failed to reset my password and I had to make multiple visits to the branch. To my disappointment, the manager was unable to provide a solution, leaving me feeling frustrated and helpless. Although I was angry, there was nothing I could do.
❤
😂😂
Facing similar issue with RBL bank, I was thinking to write to LLA for suggestions. Then yesterday came across this video.
Great work Team LLA
I got call from bajaj finance for rbl credit card, free for 1year. Should i go for it or not
@@Softheart15 you have take that in some written form. Last year when I took the card they told me the same and later I found out there is no such offer. Even I thought maybe I heard something wrong so didn't follow up.
They do make such falls offers
@@manishgupta-pg7so sure. Thanks for advice. I'll record everything and tell him to give me written info.
I am literally going through this right now!! Thanks for doing this video
Omg... Great work done by himmm
Great stuff LLA team!
Is there anything like RBI Ombudsman for retail stores like lenskart/Myntra/Amazon/flipkart, etc ?
Consumer complain at umang app.
Lok Adalat
990 rs kam price hai! 😂! LLA v chipka raha hai
Thats a great video and about that this call is getting recording msg that can also be stopped there is an app called TTS to stop that that's very helful.👍
Best of One 🙏🏼
Similar case happened with me with SBI PULSE credit card. The guy said it will be LTF but after I got the card they charged me annual fee + GST. I raised a complaint in SBI gave the agent's number and everything and they said I had aggred to pay the charge and closed my ticket. Then I raised the complaint again and this time I talked a bit aggressively and they said I am reverting the charges and told me to use the card for one year and later I can decide if i want to keep or not. I didn't use this card a single time after it was issued. Few days ago I raised the request to close this card and now my card is closed.
And I still get calls from some agent selling LTF sbi cards. I simply say no and cut the call. Now I stay aware and if i find any LTF cards I go to the banks official website to check the offer. If i find then only I apply like recently I got axis Bank my zone and bank of baroda premier for LTF which I applied from the banks website itself.
Can You make a video about this ? Or share with official proof in social media So I can share the details to Cyber Cop whom I personally know.
@@SpunkyMaster i have deleted numbers and recordings now. This happened a while back in Nov22. Didnt knew back then what to do.
But the same is happening in SBI and HDFC CREDIT CARDS also. Also they are following unfair practices to issue cards for the users. This is just another addition.
@@SpunkyMaster I wanted to share this incident with LLA team and wrote this in one of their previous shorts but didn't knew how to contact them.
@@IFennecYouCODM check the about section on their RUclips channel. They have an email listed to contact them.
HDFC bank agent called me and told for lifetime free millenium credit card for card to card activation offer. card to card means i have already SBI credit card on that basis they issued HDFC credit card.
is this genuin or fraud. i have recorded all calles and customer care verivication call also in deetail way.
plz guide
POV: Salesman be like ab tho resign karna hi padega 😥
Year ago, Exactly happened with me by SBI CC. 😒
Useful video,,Thanks
I also have a similar experience with vehicle insurance and fought with the Insurance team and finally lodged a complaint with the insurance ombudsman, finally, I won the case and the justices were served by Ombudsman. Happy to share my experience in case if it helps for a larger audience
That exact thing happened to my father last month. I'm so thankful that your video came right on time. I just have 5 days to pay the illegal "annual fee" that was supposed to be free. 🙏
(The bank was HDFC and card was indian oil fyi.)
Bro, in HDFC you have to spend 30000 within 90 Days to get it for lifetime free. Read your joining letter carefully, it will be written there.
@@truthprevails7766In my case, hdfc manager said after 3 months of card activation it will turn to lifetime free card. Thought it is not written on paper, but because of my company name in their list, this offer will get valid for me. Now its 7 months of usage let's see what happens after 12months.
@@apz7645 Still, I advise to stay safe by doing any transaction like LIC premium or bills to spend Rs.30000
The same case happened with me 2 weeks back I was miss selled with a lifetime free Yes CC but received a AMC one so I registered a complaint but there was not resolution so I just closed the card. Should have gone with RBI 😂
thanks aap bhaut logo ki help kr rhe hoo you tube par aur koi aisa nhi kr rhaa aap ki team ko 👍👍👍👍👍
Thank you for jagruk information❤
A similar incident happened with me , I followed each and every step and finally got 2500 Rs as a penalty from SBI for a delay in the reversal of the amount for failed UPI transaction
#LabourLawAdvisor I made two separate EMI purchases from Amazon India using ICICI credit card, both of which were later on cancelled, but I was charged both the EMIs fully, wherein the bank cited the reason that Amazon India hasn’t cancelled the transactions…
Can I make a complaint with RBI today, even after three years?
First launch the complain with bank.
Go with Mail and write the complain.
If the bank customer care not listen, then write a mail to Nodal officer then to principal nodal officer.
Most complain are resolved by principal nodal officer
No need to involve with Rbi as it is the last option.
@@vectorlive4507 OK, will try…
First check for the Evidences you have...then follow up with the Bank, then you can go with RBI
Same scenario was happened with me also, I've escalated it as much I can, then I've canceled the card, if I've watches this video before, I would definitely gone for ask lifetime free wala option 😅. Anyway thanks man you guys are doing very good job, knowledge is power 💪 @LLA 🙏
मेरे साथ भी ऐसा हुआ था एक्सिस बैंक की तरफ से कॉल आया और बोला की लाइफटाइम फ्री क्रेडिट कार्ड मिलेगा लेकिन कार्ड डिलीवर हुआ तो जोइनिंग फीस 599 और GST लगी तो मैंने एक्सिस बैंक वालो को मेल किया तो 15 दिन के अंदर मेरी प्रोब्लम सॉल्व कर दी गई फीस रिफंड कर दी और कार्ड लाइफटाइम फ्री कर दिया गया 😊
Sir I was really searching about this on your channel for a few days and didn't get any video. I'm very thankful to you for the information you gave.
Sir, I want to tell you my I problem in which I am stuck from few days, and I know only you can help me.
I opened a Savings bank account on Punjab National Bank on 2014 and for some reason I left the account on 2015 (thinking that It will close automatically). Now on 21 March 2023 I received a payment which was sent using Adhaar Enabled Payment System, My bad luck that the Adhaar payment was linked with PNB bank account so the payment was credited to the same.
Now the problem comes, According to RBI Guidelines passed on 20 November 2014 (It should be ensured that the balance in the savings account does not turn into negative balance solely on account of levy of charges for non-maintenance of minimum
balance.)
The bank got my Bank account to a negative balance and deducted the charges of around Rs. 8000 after the money being credited. They are not even listening to this and saying that nothing could happen now.
Please help me what should I do, also please tell me if they are wrong or not
Complaint with the customer helpline number, ask them do they had any automatic account closing policy or you only research about it. And then if you are not satisfied with resolution given by the bank then please contact the RBI Ombudsman within 20-30 days of the complaint!!
I likes mandeep's style he is very funny that's why I like to watch his finances videos
The same thing happened with me for axis bank credit card. but due to lack of call recording i was not able to do anything. I closed my credit card at the end. Very useful video.
Hi Rishabh,
Thanks for sharing the story with us we have learnt good tactics in it.
I'm following this channel form the last 2.5 years and wanted to know if you guys have updated the hax to save the tax course as I'm seeing this course promotion form that time only, now why I'm asking this is because as you know now the government has introduced the new tax regime, wanted to have full understanding on the tax.
Again thanks for all the videos you guys make, those videos are very informative.
It's 1 year old course. Updated regularly
I hate finance, i hate tax and definitely hate investments
But obviously it's a necessary evil
Thanks to you and the team and your honest reviews atleast now i know what to do
And you guys also made tax and investments so easy however i still won't like to do on my own but would try to understand.
I watched two ads and The timer can I get A ❤.
Ab aapko VRS scheme k tahat RUclips se paise aayenge
@@AshishKumar-no9ns aapko mil Gaye na utna kafi hai mujhe nahi chahiye Aap hi Lelo 😂😂😂
Good video, thanks!
Hi this channel needs to be shared more…keep it up