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Editor-in-Chief Associate Editor Editor Designer & Research

Prof. Suresh Misra Shri. G.N. Sreekumaran Shri S. K. Virmani Shashi

( Project Director ) ( Consultant ) ( Project Manager ) ( Research Officer )

Monthly E– Bulletin of State Consumer Helpline Knowledge Resource

Management Portal (SCHKRMP), Centre of Consumer Studies, Indian

Institute of Public Administration (IIPA), New Delhi

Consumer Bulletin VOLUME-5 ISSUE-8

August’ 2016

Sh. Bhajan Lal (Complainant) vs. Municipal Corporation of Delhi (OP1) , and Life Insurance Corporation (OP2) in District Consumer Dispute Re-

dressal Forum (North) Delhi 2016 C.C.No.794/2008

Facts: Sh. Bhajan Lal (complainant) is working under the employment of O.P-1(MCD) as ‘Malaria Beldar’. It is alleged that the complainant is a policy holder with the O.P-2 vide policy No.112695232 dated 13.01.2001 for a sum assured of Rs.50, 000/-. It is further alleged that complainant has empowered the O.P-1 to pay the monthly installment of the said in-surance policy from the salary of the complainant regularly and continu-ously as such the O.P-1 had deducted the policy amount of Rs.330/- from complainant salary each and every month and to pay the same to

O.P-2. It is alleged that the complainant was shocked and surprised to receive a notice from the O.P-2 regarding the lapse of the policy due to non-payment of installments for the months i.e. for 23 in-stallments for March, 2001, April, 2001, June, 2001 to March, 2002, May, 2002 to August, 2002, Oc-tober, 2002 to January, 2003, August, 2004, November, 2004 and December, 2004. It is further al-leged that the complainant enquired about the gap in the payment of the installments from the O.Ps on a number of times and requested the O.P-1 to fulfill the gap installments of his insurance policy both in writing as well as verbal but no action has been taken so far. It is alleged that the action of the O.Ps for non-payment of the premium amount clearly shows negligence and deficiency in ser-vice on the part of the O.Ps. On these facts complainant prays that O.P-1 be directed to pay/ deposit the gap installments of the policy of the complainant and the O.P-2 may also be directed to issue the receipt thereof upto date and also to pay cost and compensation as claimed. O.Ps appeared and filed written statement OP-1 has stated that the complainant is not a consumer as per the definition mentioned in the Consumer Protection Act, 1986, because he is an employee of the MCD and no consideration has been paid or promised or partly paid and as such the present complaint is not maintainable and is liable to be dismissed.

Issue: Whether the complainant is a consumer as defined under Consumer Protection Act and whether there was deficiency in service by the opposite parties

Employer deducting insurance premium from the salary of an employee and not depositing with the insurer is deficiency in

service

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Advocacy– DHBVN is expected to stop charging of additional fee for online payment of electricity bills through debit cards/

wallets/cash cards Dakshin Haryana Bijli Vitran Nigam (DBHVN), a state PSU Electricity Distribution Company in Haryana has been charging additional amount for payment of electricity bills through their online payment system using credit/ debit and cash cards. The additional amount being charged is 1% of the bill amount if the consumer prefer to pay online using their debit cards and Rs.4/- for each transaction if the payment is made using internet banking services.

The charging of any additional amount for such transactions is in violation of order of Re-serve Bank of India issued vide No. RBI/ 2013-14/292 DBS CO.PPD No. 3578/11.01.005/2013-14 dtd. 17/09/2013

The matter has been brought to the notice of Reserve Bank of India by SCHKRMP vide Let-ter No. IIPA/SCHKRMP/ELECTRICITY/2016 dt. 17/08/2016. The matter is still under consideration of Reserve Bank of India.

Decision: At the outset, it need to be decided whether the complainant is a consumer or not as defined under Consumer Protection Act as O.P-1 has taken a categorical stand that complainant does not fall within the purview of consumer. Consumer ordinarily is a person who is availing any service or has taken goods for consideration. In the present case the complainant started availing the service provided by O.P-1 for having LIC policy executed by O.P-2. O.P-1 being employer of the complainant provided him service facility of LIC policy by deducting a particulars sum from his salary month wise, thus the complainant falls within the category of consumer. Whether the LIC policy lapsed due to deficiency in service on the part of O.P-1. Admittedly the complainant is an employee of O.P-1 who had instructed O.P-1 to pay premium of Rs.330/- per month towards the LIC policy executed by O.P-2. The grievance of the complainant is that due to non-payment of monthly installments towards LIC policy by O.P-1, O.P-2 issued him a letter stat-ing that there were 23 gaps in payment of premium till March, 2006 upon which complainant got verified about the payment of installments to O.P-2, there upon O.P-1 candidly admitted that there was lapse on its part to deposit the premium for the month of March, 2001 and April, 2001. The documents placed on record by the parties clearly demonstrate that O.P-1 was negligent in not deducting the monthly installments from the salary of complainant for the purpose of depositing the same with O.P-2 which resulted in 23 gaps of installment as pointed out by O.P-2. The O.P-1 has categorically admitted his mistake in not depositing the regular installments with O.P-2 and this amounted to deficiency in service. The O.P-1 is directed to make entire payment of its own including the penalty and revival expens-es, if any, within 60 days from the date of this order to O.P-2. O.P-1 is at liberty to deduct the ar-rear of installments towards LIC policy from the salary of the complainant in such a manner that the arrear are realized before superannuation of the complainant. The O.P-2 is directed to revive the policy within 30 days from the date of payment of entire ar-rears due to it. In the light of peculiar circumstances The District Consumer Forum also awarded Rs.5,000/- to be paid by O.P-1 towards harassment and litigation expenses to the complainant.

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Unethical business practices of activation of add-on channels by DTH operator without seeking consent of the subscribers

One of the under-privileged consumers in Delhi has brought to our notice that for the past several months she has been recharging Videocond2h connection for 30 days validity. However, the TV channels are being blacked out by DTH operator in 20 to 21 days. It raised a doubt as to one of the operator either DTH operator or the recharge op-erator is playing with such class of consumers for unethical considera-tions.

To confirm on such practices of the DTH Operator Videocond2h, The Project Manager SCHKRMP himself extended his assistance to get re-

charge done for 30 days validity using his own credit card and paid an amount of Rs. 285/- towards 30 days validity period of Super Gold Top package. The last recharge was done on 30

th July 2016.

Accordingly the validity of the recharge of 30 days package should have been 28th August

2016. Shockingly the consumer informed that the channels were blacked out on 23rd

August 2016 morning itself. The matter was taken up with the company through an email on 24

th August 2016 and

the response of the company dt. 25/08/2016 further surprised when the email stated activation of two add-on Channels which were not in the knowledge of the consumer subscriber.

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It substantiated that the company has been adapting not only the unethical business practices but also misleading the consumers by giving wrong information as the company keep on informing that the reduced validity is because of price increase in the packages. It is well appreciated more than 70% consumers fall in such categories.

The matter was taken up by SCHKRMP vide Letter No. IIPA/SCHKRMP/Videocon/2016 dt.26/8/2016 with a copy to The Chairman, Telecom Regulatory Authority of India. After a lot of follow up, Videocond2h confirmed removal of add-on channels and refund of the money so deducted from the subscriber’s account. The validity of the existing recharge was extended for two months.

News from Media

‘Don’t cap compensation for road accident victims in new Bill’ {Business Line, 1 August 2016}

New Delhi : With India accounting for the largest number of road ac-cident deaths globally, re-search body IFTRT has approached the Road Min-istry to make the acci-dent claim settlement pro-

cess simple, time-bound and least expensive for victims’ families and dependents.

Citing the recent decision of the Daily Lok Adalat of Punjab and Haryana High Court, allowing compensation of Rs.66.3 lakh in an accident death case, IFTRT said the amount was six times higher than that awarded by the Motor Accidents Claim Tribunal (MACT).

There is no upper limit defined in such cases, according to SP Singh, Senior Fellow, Indian Foundation of Transport Research and Training (IFTRT). The present criteria in MV Act is to fix the compensation to accident victims by relying on age, education, income and depend-ence, which is based on natural justice.

The judgement of the Lok Adalat of Pun-jab and Haryana High Court awarding higher compensation aims to oppose a move to cap under law the compensation to accident victims, as proposed in the Road Transport and Safety Bill.

The court’s decision puts the spotlight back on the Centre’s proposal to cap the com-pensation to Rs.15-20 lakh, as stated in the draft version of Road Transport and Safety Bill, 2014, which was revised in 2015.

At a time when the law is be-ing strengthened for effectively mandating third party motor insurance policy and govern-ment looks to bring down the road accidents; the revenue of insurers should increase and their claim outgo should drop. If insurance companies invest in driver training and refresher cours-es regularly, the safe driving habits inculcated by them will further lower the compensa-tion outgo, it added.

The way forward should be to reform the procedure to settle the claim before MACTs and fix the mandatory timelines to pay the compen-sation on merit of each case.

In this context, IFTRT has called for a de-bate in the larger interest of hapless families of accident victims, many of whom have nothing to do with an insurance agreement between a ve-hicle-owner and the insur-er.“We trust government will review its present stance and oblige. The IFTRT is fully commit-ted to assist the government in this endeavor as any amendment in MV Act shall be brought before the Parliamentary Stand-ing Committee on Transport, Tourism and Cul-ture as well,” it added.

SBI offers new loan scheme for govt. employees {The Hindu 2 August 2016}

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State Bank of In-dia (SBI) has unveiled a new home loan scheme targeted at beneficiaries of the seventh pay com-mission recommenda-tions.

The loan can be repaid till the beneficiary attains 75 years of age as against 70 years of-fered under other schemes. Defence personnel are also eligible to apply. SBI has also waived the entire processing fee for home loans under this scheme

“The launch of ‘SBI Privilege Home Loan’ and ‘SBI Shaurya Home Loan’ products is timed with the notification of 7th Pay Commission rec-ommendations by the government. Surplus in-come can thus be utilised by government em-ployees and defence personnel towards pur-chase of new/better house,” according to a statement from SBI. Amid sluggish loan demand from corporate sector, banks are pushing retail credit to expand business.

According to the latest data from Reserve bank of India, home loans recorded a year-on-year growth of 18 per cent so far.

No relief for negligent build-er: HC { The Times of India, 2 August 2016}

Delhi : A builder whose property in south Delhi collapsed leading to death of a labourer will have to face criminal prosecu-tion, with the high court saying relief in

cases of negligence sends a wrong message to society .

Justice Vipin Sanghi dismissed the plea filed by the builder who claimed that he has paid a hefty compensation to the victim's family and settled the matter with the injured. The court said the police needs to examine if the fatal accident was a result of gross negligence and callous-ness on the part of the petitioner.

“In my view, quashing the FIR in question at this stage would certainly send a very wrong signal not only to the petitioner, but the whole society at large and particularly to other build-ers, contractors and other agencies engaged in undertaking construction work, that even if they are grossly negligent in taking preventive measures so as to prevent predictable acci-dents--which may lead to serious injury and even loss of life, they could get away by paying some compensation to the heirs of the injured deceased,“ HC observed while rejecting Bhajan Lal Sharma's plea to end criminal proceedings.

The court said that if the builder gets re-lief at this stage, “such contractors builders agencies may find it more economical to risk the lives of their workforce.

DERC issues subsidy rules {The Times of India, 2 August 2016}

Delhi : Delhi Electricity Regulatory Commission (DERC) has issued a public ad-visory for residents of cooperative group housing societies on how to avail subsidy benefits if their electricity consumption is within 400 units.

Residents of these societies have been eligible for subsidy from October 1 last year, as per directions of the Delhi government. The tariff fixed for cooperative housing societies is Rs.6 unit for common areas, while residents will be charged as per normal domestic tariffs.

There are over 300 such societies with common meters, located primarily in areas like Dwarka, where residents are able to claim subsidy as their power consumption is not billed individual-ly.

“The group housing society has to maintain con-sumption data of all individual residents. A sub-sidy form has to be filled out by each resident and submitted to the respective discom by the society, following which all those eligible will get subsidy benefits in their monthly bills,“ said a DERC official.

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“The group housing society also has to get the subsidy audited by a CAG empanelled auditor on yearly-basis and submit the results to the discom,“ the official added.

Hoping to encourage Delhiites to follow the Gurgaon model of multi-storey buildings and housing societies which have a single point de-livery supplier, the regulator had fixed the com-posite tariff for societies at Rs.6unit based on the average billing rate of domestic tariffs.

3rd-party insurance premium may go up after new MV Act {The Times of India, 8 August 2016}

New Delhi :The premium for third party insurance for motor vehicles or this component in the comprehensive insurance that you take could increase by at least 10-15% once amend-ments to the Motor Vehicles Act are passed by both Houses of Parliament.

Third party insurance accounts for about 30% of the premium of comprehensive insur-ance. Only third party insurance is mandatory .

The primary reason for this is the substan-tial increase in compensation proposed in the amendments for accident victims. From the pre-sent Rs.25,000 compensation, it will be in-creased to Rs.2 lakh in case of death in hit and run cases.

For grievous injuries, the compensation proposed is Rs.50,000 against the present Rs.12,500. Similarly , there is a provision for payment of compensation up to Rs.10 lakh in road fatalities where the offending vehicle and the owner are identified. In case of grievous inju-ries, the compensation would be up to Rs.5 lakh.

As per the proposed amendments, insurance companies will pay the compensation amount within 30 days. “This is the minimum compensa-tion we have proposed and people must get the compensation quickly . But if the family members are not satisfied with this amount, they can ap-proach the tribunal for higher compensation,“ road transport minister Nitin Gadkari told TOI. He added that the main reason behind coming out with such a proposal was to provide quick relief to the families of those killed or grievously in-

jured in road crashes.

However, experts in the road transport sec-tor are not impressed. “Why should government get into the business of capping compensation? In the present law, police refer every case to the Motor Accidents Claims Tribunal and the com-pensation is calculated based on a set formula. The government should only bring reforms to en-sure that people get justice quickly from the tri-bunal,“ said S P Singh of IFTRT, a Delhi-based think tank on transport-related issues.

He added that there were several cases in the past where victims' families got higher com-pensation. Singh said the government seemed to be playing into the hands of insurance compa-nies and the transporters' lobby . “Let them make it public what consultations they did with road users before proposing such an amendment,“ Singh said.

But ministry sources said they had only put the best possible proposal and all aspects of the bill would be discussed in both Houses of Parliament. They added the penalty for driving a vehicle without insurance would be doubled from the present Rs.1,000 to Rs.2,000 to ensure that every vehicle on the road had insurance. “It's a deterrent fine,“ said a government official.

Banks still don’t buy cyber fraud covers {The Times of India,11 August 2016}

Chennai: Despite a spate of ATM and card frauds, several banks still don't insure them-selves against data breaches and cyber security attacks.

Lenders like the State Bank of India (SBI), Indian Overseas Bank (IOB) and Indian Bank have seen attacks on their ATMs since January. But according to sources, while all three banks have taken the mandatory `bankers indemnity' insurance cover, they have not insured them-selves against data breaches and cyber security attacks.

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SBI again saw a skimming attack at one of its ATMs in Thiruvanatha-puram on Monday, lead-ing to a loss of Rs.4.5 lakh. After the incident, where foreigners installed a card-reading device at

the ATM to read skim data, the bank said it will reimburse the victims.

Even IOB, after ATM frauds and phishing attacks in May and July , had reimbursed vic-tims. “Many banks, including Indian Bank, have taken a basic bankers' indemnity policy with us that insures financial institutions against burgla-ry, theft, fire, hold-ups, riot, strike, terrorism, property damage, and cash in transit and em-ployee fraud. But none of them have taken a cyber liability policy,“ said an official from a pub-lic sector insurer.

While the banker's indemnity policy pro-tects all the assets of the bank including its ATMs, it does not provide cover in case of mal-ware or a cyber attack on the ATM's switch. “Physical tampering or damage of the ATM is covered. But computer-related damage attack is not covered in a basic indemnity cover. Mass skimming of debit credit card details are protect-ed under a card protection policy that can be an add-on to the basic cover,“ says Suresh Nair, head of protect development, Bajaj Allianz.

In the latest incident, skimming was used to obtain card details. “Skimming, cloning of deb-it, credit cards occur because ATMs still use magnetic stripes to read a card. Now that the RBI has mandated that all banks should move to use EMV-chip encrypted cards, it is to be hoped that such instances of skimming debit cards be-comes rarer,“ said Nair.

The RBI is phasing out debit credit cards with magnetic stripes. The central bank has set a deadline of December 31, 2018 by which all of India should have migrated to EMV from mag-netic stripe.

Allow mobile registration from any bank's ATM: RBI {The times of India, 31 Ausgust 2016}

Lenders Told Not To Insist On Home

Branch Visit

With cellphones becoming a crucial part of banking, the RBI has made it mandatory for banks to allow customers to register their mobile numbers through any ATM. Banks have also been told not to insist that customers visit only their home branch to get their mobile numbers regis-tered and to have this fa-cility for customers across branches. In addition, banks have also been asked to make available mobile registration through internet banking.

Registering mobile numbers (linking num-bers to bank accounts) is important because it facilitates SMS alerts for every transaction and helps curb fraud. Mobile numbers are also used to send one-time passwords (OTPs) in transac-tions where the credit card is not present. Banks also require online remittances to be authenticat-ed with OTPs.

According to credit card companies, SMS alerts and OTPs have substantially brought down frauds in banking. Banks also require cus-tomers to register their mobile numbers to avail of services like `missed call banking' and mobile banking. A registered mobile number is a prereq-uisite for using a mobile banking application.

Earlier this month, the RBI had made it mandatory for banks to get customers registered for alerts for electronic banking transactions. This was part of its draft guidelines on limiting liability of customers in fraudulent electronic banking transactions. Under these guidelines, the longer the time taken to notify the bank, the higher will be the risk of loss to the customer. To facilitate early reporting, banks were asked to provide 24x7 access through multiple channels for re-porting fraudulent transactions.

HC: Consumer is king, can't stop discounts by Ola & Uber {The times of India, 31 August 2016}

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- New Delhi :The Delhi high court reminded taxi operators on Tuesday that “consumer is king“ when they protested against discounts being offered by app-based cab providers.

Justice Manmohan said if a company gave discounts, it was the custom-ers who benefited. So, if operators such as Ola and Uber wished to increase their customer base by giving them attractive discounts, the courts couldn't step in.

His remark came while hearing an applica-tion by a taxi association which alleged that the app-based cab service providers were flouting the court's August 11directions on surge pricing and also failed to follow the rates prescribed by the Delhi government.

Manmohan said if the government did not want to fix any minimum fares, it was their deci-sion and he couldn't ask them to do so. The counsel appearing for the government told HC that after the August 11 directions, they have not received any complaint regarding surge pricing by these app-based cab services providers.

“Suppose somebody wants to give dis-counts, can you (taxi association) say that con-sumers should not be given the benefit? Ulti-mately, consumer is the king,“ the court said. To-day, 4G prices have been cut by 40% by a tele-com company .Shouldn't consumers be given benefits? The state government's notification does not say discounts cannot be given to the consumers. This court cannot say that less charges should not be levied by them. After all, the consumers should be benefited.The court cannot exercise this power,“ Manmohan said.

He fixed the matter for further hearing on No-vember 21 and asked the government to file an affidavit.

“Does the notification (on fares) by govern-

ment say that they cannot give discounts to the consumers? Have they fixed the minimum fares? The way in which the industry works is very , very different, especially in case of app-based industries.Its valuation is by the number of hits.

These people are not only interested in profit, they are after the number of hits. They operate on a different principle. Dichotomy of app based companies and taxi operators are different,“ the court said.

The HC had earlier this month clamped down on the surge pricing by app-based cab ser-vice providers and set August 22 as the deadline after which such entities and other taxi operators cannot charge passengers more than the rates fixed by the government. The August 22 deadline was fixed after Uber had said it needed 10 days to make changes to its software.

Ola had told the court it has already stopped charging passengers more than the notified rates.

स्वतंत्रता दिवस के मदे्दनजर दिल्ली पलुलस ने चलाया अलियान, नौकर और ककराएिारों का सत्यापन नही ंकराने पर सजा और जुमााने का प्रावधान है ककराएिार का सत्यापन नही ंकराया तो 50 पर एफआईआर {Hindustan, 4 August 2016} नई दिल्ली : स्वतंत्रता दिवस के मदे्दनजर दिल्ली पुललस द्वारा ककराएिारों के सत्यापन का अलियान चलाया जा रहा है। इस िौरान जजन मकान माललकों ने सत्यापन नहीं कराया है उनके खिलाफ प्राथलमकी िजज की जा रही है। अब तक करीब 50 एफआईआर िजज की जा चकुी हैं। दिल्ली में नौकर और ककराएिारों का सत्यापन पुललस द्वारा कराना जरूरी है। नहीं कराने पर सजा का िी प्रावधान है।स्वतंत्रता दिवस पर आतंकवािी ितरों के मदे्दनजर पूरी दिल्ली और िासतौर पर पुरानी दिल्ली के इलाके में सत्यापन अलियान व्यापक स्तर पर चलाए जा रहे हैं। इसके बारे में मंदिर और मजस्जि के लाउडस्पीकर से लोगों को जानकारी िी िी जा रही है।डीसीपी परमादित्य ने बताया कक यह अलियान 15

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तक चलेगा। अलियान के तहत करीब 50 मकान माललकों के खिलाफ एफआईआर िजज हो चकुी हैं।

साइबर कैफे माललकों के खिलाफ िी मामला िजा पुललस साइबर कैफे की िी सघनता से जांच कर रही है। कैफे संचालकों को यह ननिेश दिए गए हैं कक उपयुक्त पररचय पत्र के बबना इंटरनेट के प्रयोग की अनुमनत न िें। जांच में एक साइबर कैफे द्वारा इस ननयम का उल्लंघन करते हुए पाया गया जजसके बाि पुललस ने कैफे संचालक के खिलाफ मामला िजज कर ललया है। सत्यापन नही ंकराने पर एक माह की सजा ननयमों के अनुसार एक महीने के अिंर ककराएिार का सत्यापन कराना मकान माललक के ललए जरूरी होता है। अगर ककराएिार का सत्यापन नहीं कराया तो उसमें एक माह की सजा या िो सौ रुपये का जुमाजना है। कुछ मामलों में िोनों सजा िी िी जा सकती है। यह आरोपी की जस्थनत पर ननिजर करता है।

‘शनू्य रेद गं वाली कारें सबसे ज्यािा ितरनाक’ {Hindustan, 6 august 2016}

नई दिल्ली : सेफ्टी पर काम करने वाले संगठन कंज्यूमर वॉयस ने शून्य रेदटगं वाली कारों को बेहि ितरनाक बताया है। इस तरह की गाड़ियों में पांच लोकप्रप्रय िारतीय कारें िी

शालमल हैं। चचतंा का प्रवषय यह है कक इन सबके बावजूि ये कारें जमकर बबक रही हैं। संगठन के सीईओ आलशम सान्याल ने शुक्रवार को एक प्रेसवाताज में बताया कक इनमें ककसी िी तरह की बुननयािी सुरक्षा व्यवस्था नहीं है। वाहन ननमाजता कंपननयां हर गा़िी में सुरक्षा उपकरण लगाएं, यह ननयम 2017 से

स्वैजछछक तौर पर लाग ूहोगा, जबकक अननवायज रूप से यह 2020 स ेअजस्तत्व में आएगा। सान्याल ने बताया कक जीएनसीएपी पररणामों में पांच लोकप्रप्रय िारतीय कारों को शून्य स्टार रेदटगं लमली थी। िेश में इन कारों की बबक्री एवं िरीि चचतंा का प्रवषय है। इसे नजरअिंाज ककया जा रहा है। चचतंाजनक बात यह है कक प्रवश्व की चौथी सबसे ब़िी आटोमोबाइल माकेट होने के बावजूि िारत में बबकने वाली 60 प्रनतशत कारें बुननयािी सुरक्षा सुप्रवधाओं जैसे एयरबैग व एबीएस से युक्त नहीं हैं। ये ऐसे उपकरण हैं, जजनसे िघुजटना होने पर कार में मौजूि लोगों की जान बच सकती है।

बबना सचूना उडान रि लमलेगा हजााना {Dainik Jargon, 20 August 2016}

नई दिल्ली, प्रेट्र : बबना सूचना के फ्लाइट रि करने के मामले में प्रविेशी एयरलाइंस को हजाजना िरने का आिेश सुनाया गया है। राष्ट्ट्रीय उपिोक्ता प्रववाि

ननवारण आयोग ने सुनवाई करते हुए कुवैत एयरवेज कॉरपोरेशन याची िंपती को हजाजना िेने का आिेश सुनाया है। कंपनी िंपती को िसूरी एयरलाइंस के दटकट पर लगे 59,516 रुपये वापस

करेगी। िंपती को हुई असुप्रवधा के ललए िी हजाजना िंपती को 50 हजार रुपये िेने होंगे। बीसी गुप्ता की पीठ ने कहा कक फ्लाइट रि होने की जस्थनत में कंपनी की जजम्मेिारी थी कक वह िंपती को सूचचत करती और उनकी लशकायत पर उचचत कारजवाई करती। राजस्थान के

अजय गुप्ता ने फ्रैं कफटज से नई दिल्ली के ललए 18

अप्रैल, 2010 की िो दटकट ली थीं। एयरलाइंस ने बबना सूचना के फ्लाइट रि कर िी। इस कारण उन्हें जमजनी में तीन दिन अनतररक्त रुकना प़िा। बाि में वह गल्फ एयर से दिल्ली आए।

10

STATE CONSUMER HELPLINES

State Consumer Helpline Knowledge Resource

Management Portal (SCHKRMP) Room No. – 7

Indian Institute of Public Administration (IIPA)

I. P. Estate, Ring Road,

New Delhi - 110002

Phone - (011)-23705054/55

Fax - (011)-23705054

W E ’RE O N TH E WE B !

http://consumereducation.in/

http://consumeradvice.in/

The Department of Consumer Affairs, Govern-ment of India in partnership with the Centre for Consumer Studies, Indian Institute of Public Ad-ministration, New Delhi has set up a National Nodal Agency known as the State Consumer Helpline Knowledge Resource Manage-ment Portal (SCHKRMP). The Knowledge Resource Management Portal will coordinate and monitor the activities of State Consume Helpline’s, (SCH) provide solutions and advisory services to these helplines, maintain knowledge and database, build capacity of the SCH’s personnel and provide for integration and convergence.

STATE CONSUMER

HELPLINES

HARYANA

MANIPUR

SIKKIM

GRAHAK SUVI-

DHA KENDRA

ANDHRA PRADESH 1800 -180 -2087 1800-345-3821 1800-345-3209,3236 BIHAR

1800-425-0082,2977 HIMACHAL PRADESH MIZORAM TAMIL NADU (0612)-2525222

ARUNACHAL PRADESH 1800 -180– 8026 1800 -231 -1792 044-28592828 GUJARAT

1800-345-3601 JHARKHAND NAGALAND TELANGANA (079)-27489945/46

ASSAM 1800-3456-598 1800-345-3701 1800-425-00333 KARNATAKA

1800-345-3611 KARNATAKA ODISHA TRIPURA 9711579585

BIHAR 1800-425-9339 1800-345-6724,6760 1800-345-3665 RAJASTHAN

1800 -345- 6188 KERALA PUDUCHERRY UTTAR PRADESH (0141) - 4015395

CHHATTISGARH 1800-425-1550 1800-425-1082,1083 1800-1800-300 WEST BENGAL

1800 -233 -3663 MADHYA PRADESH 1800-425-1084,1085 WEST BENGAL (033)-233-42786, 48786

GUJARAT 0755-2559778 / 155343 RAJASTHAN 1800-345-2808

1800-233-0222 MAHARASHTRA 1800 -180- 6030

079-27489945 / 46 1800-2222-62

-ककसी िी ATM से जमा करें पसेै {NBT, 28 August 2016}

यदि आपका बैंक अकाउंट आंध्रा बैंक, यूननयन बैंक ऑफ इंडडया या पंजाब एंड महाराष्ट्ट्र को-ऑप बैंक में है तो

आप इन बैंकों में से ककसी के िी एटीएम पर लगी कैश डडपॉजजट मशीन से पैसा जमा कर सकते हैं।

नैशनल पेमेंट कॉपोरेशन ऑफ इंडडया (एनपीसीआई) ने इस सेवा को गुरुवार से शुरू कर दिया है। अिी इस सप्रवजस में केवल इन तीन बैंकों को जो़िा गया है। आन ेवाले वक्त में इस सप्रवजस को सिी बैंकों के एटीएम और ब्ांचों में लगी कैश डडपॉजजट मशीन पर शुरू ककया जाएगा। कफलहाल बैंक के एटीएम में उसी बैंक िातों के पैसे जमा ककए जाते हैं।