Banking on Your Bank ? ? Read This Carefully >>>>>>

This morning, went to my ATM for some money.
As usual, checked my "balance" - since I am now retired (jobless, if you please!) -
and found that a very strange thing had occurred :-

My Bank, which proudly advertises its "Convenience of Anywhere Banking" was
charging me a cool 200 I.Rs.(5 $ U.S approx.) by a simple trick of DEFERRING
it's own responsibility of carrying out my request for "transferring money from my
FIRST account to the OTHER account held in another branch of their bank.

As it is , the need to make this transfer had arisen BECAUSE another very reputed
INTERNATIONAL BANK could not agree to maintaining my previous instruction
relating to LOAN - ECS. They insisted that they would now source their payment
from my OTHER account, notwithstanding the fact that , for eleven months, money
was being received (their INSTALMENT = I.Rs.4618) from my FIRST account at
the abovesaid "my bank"
This , they insisted, was in accordance with their PROCEDURES and there would 1!
be a longwinded process involved in acceding to my request.
And then, they had "absolutely valid" reasons for deferring my ECS by 48 hours to
the specific period when my OTHER account would fall short of balance for about
a day. MIND YOU, shortage in the OTHER account was solely because "my bank"
would not TRANSFER MY MONEY TO ME unless their PROCEDURES were 2!!
duly honoured.

Both the banks were in possession of my money, and between them, they contrived
to "charge" me a neat sum for their "services" - ones which I had neither asked for /
nor expected.
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ALL BANKS are collectively guilty of one grave misdoing.
The credit card statements invariably mention a "Last Day of Payment" with the onus
of delay on the customer. I'm sure most of my friends out there have experienced this
ONE TRICK :

If the cheque is dropped on the "Last Day" as specified, the credit in statement shows
up two/three days later & is duly accompanied by a "Late Fee + Taxes". Granted that
these are reversed on request BUT what about the clients who fail to notice / request
for reversal ?

With all their collective EXPERTISE in CUSTOMER SERVICE and PROCEDURES 3!!!
OF BANKING, why do they simply not advance the "Last Date of Payment" to cover
their requirement of time ( CLEARING of Cheques is what they call it ! ) ???

It is really SIMPLE, guys - they will then lose out on a Tidy Sum that they are collecting
under the garb of "Late Fees" and "Service Charges" - the amount involved runs into
MILLIONS whether you see it as U.S. $s or any other currency.

Will any banker, whosoever happens to read this blog, kindly explain this to me and the
BLOGGERS' COMMUNITY at large ???

sanjeevsuri.ws
http://www.agloco.com/r/BBDG8800