Re: [IAC#RG] CONFIDENTIAL: Fwd: Complaint No.201011014001145 against State Bank of India

To:
CGM/(CSD) RBI

22-June-2014

Dear Sir,

I would appreciate a formal reply clearly intimating why I have not
received a speaking order signed by any Dy. Governor of RBI on my long
pending grievance and the first appeal I preferred to him.

I am clearly informing you and putting RBI on notice that Dr
K.C.Chakraborty (former Dy. Governor/RBI) was a corrupt public servant
who had been bribed by State Bank of India not to process my formal
first appeal.

I am clearly informing you and putting RBI on notice that Mr. K.P.
John Kutty is a corrupt public servant who had been bribed by State
Bank of India not to allow my my formal first appeal to be processed.

I am clearly informing you and putting RBI on notice that the then
Banking Ombudsman Delhi who issued my order is a corrupt public
servant who had been bribed by State Bank of India to issue it.

I am clearly informing you and putting RBI on notice that the then
Secretary to Banking Ombudsman Delhi who issued my order is a corrupt
public servant who had been bribed by State Bank of India to issue it.

I look forward to any response the Reserve Bank of India wishes to
make on my long pending public grievance against SBI which only awaits
an order signed by any Deputy Governor of RBI to dispose of it
finally.

NB: That the facts of my complaint to the BO Delhi and my subsequent
appeal were true and correct is borne out from that RBI subsequently
directed all Banks to issue "Basic Banking Savings Accounts" solely
based on my grievance, but that does not absolve the above-named
officers to escape from their liability under the Prevention of
Corruption Act and also the Indian Penal Code for forgery, deception,
fraud and cheating etc. which I am increasingly inclined to pursue in
the face of RBI's inability to communicate with me.

Yours faithfully

Sarbajit Roy
National Convenor
India Against Corruption.
B-59 Defence Colony
New Delhi 110024

On 5/24/14, Sarbajit Roy <sroy.mb@gmail.com> wrote:
> To:
> CGM/(CSD) RBI
>
> Dear Sir,
>
> What is the action status on my long pending grievance ?
>
> It is a certainly a matter of concern if Banks like SBI and ICICI Bank
> can get away without issuing no-frill accounts to financially
> disadvantaged persons like myself by corrupting RBI officers.
>
> Yours faithfully
>
> Sarbajit Roy
> National Convenor
> India Against Corruption.
> B-59 Defence Colony
> New Delhi 110024
>
> On 4/28/14, Sarbajit Roy <sroy.mb@gmail.com> wrote:
>> To:
>> CGM / CSD (RBI)
>>
>> Dear Sr
>>
>> I am given to understand that o/o former Dy Governor RBI Dr.KCC has fwded
>> my email to you today.
>>
>> Kindly note that I am still awaiting the formal appeal decision in my
>> first
>> appeal against of order of B.O. New Delhi, which is duly signed by a Dy.
>> Governor of RBI.
>>
>> I am aggrieved that some junior officer of RBI replied to me on my appeal
>> and thereafter Dr K.C.Chakraborty consistently ignored all my emails
>> asking
>> that I be given a formal reply under his signature covering all the
>> grounds
>> of my appeal.
>>
>> As this matter involves high level corruption inside RBI, I would greatly
>> appreciate that my long-pending appeal be decided by some other Dy
>> Governor
>> of RBI and the formal order is issued under signature of either some Dy.
>> Governor or the Governor of the Bank.
>>
>> NB: I re-eiterate that I never asked for any compensation whatsoever in
>> the
>> matter and the statement of the BO. Delhi that I asked for Rs. 1 crore
>> compensation is a blatant lie designed to cover up the high-level racket
>> and corruption within RBI.
>>
>> Yours faithfully
>>
>> Sarbajit Roy
>> National Convenor
>> India Against Corruption.
>> B-59 Defence Colony
>> New Delhi 110024
>>
>>
>>
>> On Wed, Apr 23, 2014 at 11:51 PM, Sarbajit Roy <sroy.mb@gmail.com> wrote:
>>
>>> To:
>>> Dr K.C.Chakravarty
>>> Dy Governor, Reserve Bank of India
>>>
>>> cc: Ms. Sucheta Dalal / Member RBI Committees on Customer Services
>>>
>>> BY EMAIL
>>>
>>> Respected Sir
>>>
>>> I am again constrained to inform you that I have not received of a
>>> written reply / appeal decision under your signature in the above
>>> cited matter where I had duly filed a formal FIRST APPEAL to yourself
>>> under B.O. scheme in 2010. Neither was I afforded an opportunity of
>>> the usual personal hearing (as I requested) and nor have I received a
>>> speaking order addressing the grounds (NUMBERING OVER 37 DISTINCT
>>> GROUNDS) of my appeal - which is quite strange and shocking for a
>>> banker of your experience.
>>>
>>> As I am given to understand from Ms. Sucheta Dalal's emails that you
>>> are soon to retire from RBI, I request you to kindly pass a proper
>>> order on all the grounds of my first appeal preferred to you and to
>>> stop acting as a sock puppet for rogue banks like SBI and ICICI, whose
>>> pocket you are widely whispered to be in.
>>>
>>> It is a great shame that while you were a Dy Governor/RBI, the largest
>>> banks like SBI and ICICI were allowed to get away from opening
>>> "no-frills" accounts to the disadvantaged sections, while the burden
>>> fell on those smaller banks who could not satisfy you.
>>>
>>> NB: I also hope that you have taken action against the officers in
>>> the Banking Ombudsman Office, Delhi, who had corruptly forged and
>>> fabricated some document that I had asked for Rs. 1 crore as
>>> compensation from SBI, when I had done no such thing. I am clearly
>>> saying that this document was corruptly forged to enable SBI to evade
>>> their statutory obligations under FI and your almost 3 year silence on
>>> my appeal strongly indicates your own personal corruption and
>>> involvement in this racket.
>>>
>>> With best wishes
>>>
>>> Sarbajit Roy
>>> (Expert on Financial Inclusion)
>>> Convenor - FIPS Forum (http://www.fipsforum.org) [forum for Financial
>>> Inclusion and Payment Systems]
>>> National Convenor "India Against Corruption" (
>>> www.indiaagainstcorruption.org.in)
>>>
>>> On 7/7/11, Sarbajit Roy <sroy.mb@gmail.com> wrote:
>>> > CONFIDENTIAL / PRIVATE / URGENT
>>> >
>>> > To:
>>> > Dr K.C.Chakravarty
>>> > Dy Governor, Reserve Bank of India
>>> >
>>> > cc: Ms. Sucheta Dalal / Member RBI Committees on Customer Services
>>> >
>>> > BY EMAIL
>>> >
>>> > Respected Sir
>>> >
>>> > I am again constrained to inform you that I have not received of a
>>> written
>>> > reply / appeal decision under your signature in the above cited matter
>>> > where
>>> > I had duly filed a formal FIRST APPEAL to yourself under B.O. scheme
>>> > LAST
>>> > YEAR.. Neither have I been afforded an opportunity of the usual
>>> > personal
>>> > hearing nor have I received a speaking order addressing the grounds of
>>> > my
>>> > appeal which is quite strange and shocking.
>>> >
>>> > I am given to understand from the latest issue of MONEYLIFE magazine
>>> > that
>>> > apparently mine is not a unique incident / complaint but there is a
>>> > rash
>>> of
>>> > such incidents all over India which the RBI is actively covering up. I
>>> > am
>>> > attaching herewith the URL to the concerned article concerning
>>> > Damodaran
>>> > Committee.
>>> >
>>> >
>>> http://moneylife.in/article/damodaran-committee-submits-report-after-hc-threat-to-summon-rbi-governor/17930.html
>>> >
>>> > I am accordingly constrained to call upon you to consider and pass a
>>> > speaking order on my actual FIRST APPEAL filed to RBI and long pending
>>> with
>>> > you. In the alternative my remedy would lie under sections 7 through
>>> > 13
>>> of
>>> > the Prevention of Corruption Act as I have every reason to believe now
>>> that
>>> > the very highest levels of RBI have been corrupted by the errant
>>> > banks
>>> to
>>> > the detriment of the small depositors like me who are not even being
>>> given
>>> > NO-FRILLS savings accounts by Banks like the SBI with your collusion,
>>> > connivance. and corruption.
>>> >
>>> > Yours faithfully
>>> >
>>> > Sarbajit Roy
>>> > New Delhi
>>> >
>>> > On Thu, Apr 28, 2011 at 9:00 PM, Sarbajit Roy <sroy.mb@gmail.com>
>>> > wrote:
>>> >
>>> >> CONFIDENTIAL / PRIVATE / URGENT
>>> >>
>>> >> To:
>>> >> Dr K.C.Chakravarty
>>> >> Dy Governor, Reserve Bank of India
>>> >>
>>> >> BY EMAIL
>>> >>
>>> >> Respected Sir
>>> >>
>>> >> Please find below an email chain. Since it concerns vigilance
>>> >> aspects,
>>> >> I
>>> >> am
>>> >> taking the liberty of sending a copy to your official email ID.
>>> >>
>>> >> I am concerned that your junior officers at Mumbai and New Delhi have
>>> >> suppressed my preferred appeal in the above cited matter from you so
>>> >> as
>>> >> to
>>> >> prevent your taking action on it.
>>> >>
>>> >> Most humbly
>>> >>
>>> >> Sarbajit Roy
>>> >> New Delhi
>>> >>
>>> >> ---------- Forwarded message ----------
>>> >> From: Sarbajit Roy <sroy.mb@gmail.com>
>>> >> Date: Thu, Apr 28, 2011 at 8:41 PM
>>> >> Subject: Re:
>>> >> To: "Johnkutty, K P" <kpjohnkutty@rbi.org.in>,
>>> >> kcchakrabarty@rbi.org.in
>>> >> Cc: "Singh, Tarun" <tksingh@rbi.org.in>
>>> >>
>>> >>
>>> >> 28-April-2011
>>> >>
>>> >> Dear Mr Kutty
>>> >>
>>> >> Kindly take careful notice as follows
>>> >>
>>> >> 1) I did not claim for Rs. 1 crore as compensation. It is a blatant
>>> >> lie
>>> >> on
>>> >> part of Banking Ombudsman Delhi to say so. This was ground "B" in my
>>> >> preferred Appeal which was never taken up by Dy. Governor
>>> >> K.C.Chakravarty.
>>> >> It is pertinent that the online BO complaint form has over 447
>>> >> serious
>>> >> HTML
>>> >> coding errors which I had listed in my appeal.
>>> >>
>>> >> 2) Ground "A" in my Appeal was that the Banking Ombudsman Delhi
>>> >> Office
>>> >> had
>>> >> corruptly dismissed my complaint under a section of the BO scheme
>>> >> which
>>> >> left
>>> >> me no appeal option. I had further stated here that this corrupt
>>> >> action
>>> >> was
>>> >> done at the behest of State Bank of India officers who had bribed the
>>> >> Banking Ombudsman Delhi or his officers. Significantly Dy Governor
>>> >> Chakravarty had not considered this ground either or any of the 37
>>> >> other
>>> >> grounds of my preferred appeal.
>>> >>
>>> >> 3) In the circumstances, it appears to me that corrupt officers
>>> >> within
>>> >> RBI
>>> >> have conspired to ensure that Dy Governor Chakravarty was prevented
>>> >> from
>>> >> actually reading my preferred appeal. Instead these corrupt officers
>>> have
>>> >> trumped up letters based on my reminder email to EVADE the
>>> >> consideration
>>> >> of
>>> >> my first appeal. I say this has been done so as to allow State Bank
>>> >> of
>>> >> India
>>> >> to derive huge financial profit by evading providing no-frills
>>> >> accounts
>>> >> to
>>> >> financially disadvantaged citizens like myself.
>>> >>
>>> >> 4) Your point about other grievance redressal authorities is very
>>> >> well
>>> >> taken. If I do not receive a decision on actual preferred appeal
>>> >> within
>>> >> 15
>>> >> days I intend to initiate vigilance action against each and every
>>> dealing
>>> >> officer / Governor of RBI be he ever so high. I would therefore
>>> >> strongly
>>> >> advise you to ensure that Dy Governor Chakravarty receives this
>>> >> email.
>>> >>
>>> >> Warmly
>>> >>
>>> >> Sarbajit Roy
>>> >> New Delhi
>>> >>
>>> >>
>>> >>
>>> >>
>>> >>
>>> >>
>>> >> On Thu, Apr 28, 2011 at 4:02 PM, Johnkutty, K P
>>> >> <kpjohnkutty@rbi.org.in>wrote:
>>> >>
>>> >>>
>>> >>>
>>> >>>
>>> >>> *ž¸¸£·¸ú¡¸ ¹£{¸¨¸Ä ¤¸ÿˆÅ*
>>> >>>
>>> >>> _______________________RESERVE BANK OF INDIA_______________________
>>> >>> www.rbi.org.in
>>> >>>
>>> >>> CSD/BOS/
>>> >>> /13.23.02/2010-11 April 28,
>>> >>> 2011
>>> >>>
>>> >>> * *
>>> >>>
>>> >>> *Shri Sarbajit Roy*
>>> >>>
>>> >>> *B-59 Defence Colony *
>>> >>>
>>> >>> *New Delhi - 110 024*
>>> >>>
>>> >>>
>>> >>>
>>> >>> Dear Sir,
>>> >>>
>>> >>>
>>> >>>
>>> >>> *Appeal against the decision of the Banking Ombudsman (BO), New
>>> >>> Delhi
>>> >>> *
>>> >>>
>>> >>> *Complaint No.201011014001145 against State Bank of India*
>>> >>>
>>> >>> _________________________________________________________
>>> >>>
>>> >>>
>>> >>>
>>> >>>
>>> >>>
>>> >>> Please refer to your e-mail dated 24.04.11 on the above subject.
>>> >>>
>>> >>>
>>> >>>
>>> >>> 2. We forward herewith a copy of our letter CSD/BOS/7750
>>> >>> /13.23.02/2010-11
>>> >>> dated 03.03.2011 which is self explanatory.
>>> >>>
>>> >>>
>>> >>>
>>> >>> 3. As the compensation of Rs one crore claimed by you is beyond the
>>> >>> scope
>>> >>> of the BO Scheme, there is no remedy available under the scheme. The
>>> >>> jurisdiction of the Appellate Authority is the same as that of the
>>> >>> BO.
>>> >>> He
>>> >>> can also do not handle the complaint under the Scheme. Hence, as
>>> >>> indicated
>>> >>> in our letter referred to above, you are left with no remedy under
>>> >>> the
>>> >>> Scheme. You are at liberty to approach any other grievance redressal
>>> >>> authority in accordance with the law.
>>> >>>
>>> >>>
>>> >>>
>>> >>> 4. *No further correspondence will be entertained in future in this
>>> >>> regard. *
>>> >>>
>>> >>>
>>> >>>
>>> >>> Yours faithfully,
>>> >>>
>>> >>>
>>> >>>
>>> >>>
>>> >>>
>>> >>> (K.P.John Kutty)
>>> >>>
>>> >>> Deputy General Manager
>>> >>>
>>> >>>
>>> >>>
>>> >>>
>>> >>>
>>> >>>
>>> >>>
>>> >>>
>>> >>>
>>> >>> *KPJohn Kutty*
>>> >>>
>>> >>> *Deputy General Manager*
>>> >>>
>>> >>> *Reserve Bank of India*
>>> >>>
>>> >>> *Customer Service Department*
>>> >>>
>>> >>> *Central Office*
>>> >>>
>>> >>> *Mumbai*
>>> >>>
>>> >>> *Tel 22641202*
>>> >>>
>>> >>>
>>> >>>
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>>> >>
>>> >>
>>> >>
>>> >
>>>
>>
>