BMC is working really hard to ensure you aren’t stuck & inconvenienced. Follow @mybmc for updates and tweet to us, we’re here for you. #AskMyBMC
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Complaints for Banking Services
If you have a complaint for deficiency in service by bank unresolved for a month, it may help to visit Banking Ombudsman bankingombudsman.rbi.org.in for help.
Alternatively, you may give a missed call to 14440 for further action
INCOME TAX ON CELL TOWER RENT WHICH IS ILLEGAL UNDER BYE LAW 169
Many cooperative societies have rented a portion of their respective terrace for cell tower installation. In the income tax such earning should be shown as income from house and not from other source of income. in income return one should show the cell tower space rent as “income from house property” and can get 30% set off in computation of taxable income. In case cell tower rent is shown as “Income from other sources” or “income from business” the 30% set off will not be allowed. Since terrace is a portion of “house”, such income from House property is justified.
However, Bye Law 169 prohibits renting of common areas, therefore, such earning are illegal earning. Therefore, an offence.
Audit of many societies are in progress. Take proper care for computation of taxable income.
Dr P K Banerjee drpkbanerjee@hotmail.com
982 097 4449 / 8850 771 660
Bank transfers ₹48k to wrong account, held guilty for ‘careless’ transaction
Holding Canara Bank guilty of carrying out a careless real-time gross settlement (RTGS) transfer through which Rs. 48,000 was sent to the wrong account, the state consumer commission recently said it cannot solely depend on the account number and transfer amounts without cross-checking names of the beneficiary, branch and city where the branch is.
Pradeep Tripathi, from Parel, found that the money he wanted transferred to the account of a business supplier in Chandigarh was sent to the account of an unknown person in Hyderabad. The bank was recently ordered to refund the amount along with a compensation of around Rs32,000.
A district forum had ruled in Tripathi’s favour in June 2018. But the bank moved an appeal before Maharashtra State Consumer Disputes Redressal Commission.
The commission upheld the district forum order. “The forum rightly held that the correct account number was written by the complainant (Tripathi) on the RTGS transfer slip but opponent (Canara Bank) did not verify before making the transfer and had done it carelessly, and transferred the amount to a different account. The forum correctly held that the complainant was not responsible for the mistake by the bank and it was guilty and responsible for the deficiency in service,” the state commission said.
Tripathi told the commission that after he realised his money was wrongly transferred, he informed the bank, and told it to credit the amount back in his account, but it was not done. Tripathi said he moved the district forum in 2015 after his efforts for a favourable solution from the banking ombudsman failed.
The bank claimed Tripathi provided the wrong account number, which was clear from the RTGS slip. But the state commission said it had gone through the main copy of the slip and found that the number ‘6’ in the account number seemed to have been corrected as ‘8’ by overwriting. It observed that there was no initial or authentication for the correction.
“In normal case, the bank never accepts such overwriting without any initial or authentication. Therefore, the overwriting or correction is done subsequently, and not by the complainant,” the commission said.
It said this was obvious from the acknowledgement slip given to Tripathi with the bank stamp and seal, which showed the wrong account number without any correction or overwriting.
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Patient can seek refund if clinic is shifted
Chain clinics usually open branches throughout the city on premises taken on lease. If a clinic is shifted, can the patient be compelled to continue treatment at another branch or would the patient have the right to demand a refund? This unique case was recently decided by the Maharashtra State Commission.
Metropolis Healthcare Ltd, having its main office at Worli, had set up a chain of clinics. In 2011, Aziz Ahmed Jadwet took his children Maryam and Kauser to the Mantralaya centre for orthodontic treatment.
After consulting Dr. Neesu, Jadwet was advised to deposit Rs 41,000 for Maryam and Rs 36,000 for Kauser, which he did.
Meanwhile, the Mantralaya centre shut down. On making inquiries, Aziz was told Dr Neesu would treat the children at the Goregaon centre. Since this was inconvenient, Aziz sought a refund, but his request was rejected.
Aziz filed a complaint before the Central Mumbai District Forum, which held Metropolis guilty of deficiency in service and ordered it to refund the deposit along with 9% interest from November 24, 2015 onward along with Rs 10,000 compensation and Rs 10,000 litigation costs.
Metropolis appealed against this order. Jadwet, who appeared in person, argued the distance between the two centres was about 35 km, and it would be inconvenient for his school going children to travel to Goregaon. The Maharashtra State Commission concurred with Jadwet. It agreed with the District Forum’s view that the failure to refund money constituted a deficiency in service.
By its order (March 5), delivered by justice A P Bhangale along with Dr. S K Kakade, the State Commission upheld the Forum’s order and dismissed the appeal with further Rs 5,000 cost payable by Metropolis to Jadwet Impact:A patient cannot be compelled to travel long distances to a clinic. If the change in location is inconvenient, a demand for refund is justified.
Jehangir B Gai
ePaper, The Times of India, Bombay, Monday, April 8, 2019, Page 8:
(The author is a consumer activist and has won the Govt. of India’s National Youth Award for Consumer Protection. His email is jehangir.gai.columnist @outlook.in )
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Must watch she really nailed it and what total vision she has given …incredible 👍🏻
Want to know where your Aadhaar number has been used? Here’s how to check Aadhaar authentication history
The Unique Identification Authority of India (UIDAI) website allows Aadhaar holders to check their authentication history. You can carry out this process all by yourself.
how to check Aadhaar authentication history online
New Delhi: The government has made Aadhaar linking to various instruments in order to benefit from schemes. The Unique Identification Authority of India (UIDAI) website allows Aadhaar holders to check their authentication history. You can carry out this process all by yourself, nobody else can authenticate on your behalf.
If you come across a transaction which was not carried out by you then contact AUA (authentication user agency). You can raise the issue with UIDAI by calling 1947 or by mailing about the suspicious transaction to help@uidai.gov.in.
Aadhaar✔@UIDAI
If you have your Aadhaar Registered Mobile number, you can check your Aadhaar authentication history online from: https://resident.uidai.gov.in/notification-aadhaar …. #AddMobileInAadhaar
Here is the step by step process to check Aadhaar Authentication History online-
1. Go to UIDAI’s official website- uidai.gov.in
2. Under my ‘My Aadhaar’ tab, go to Aadhaar Services and then click ‘Aadhaar Authentication History’.
3. On the Aadhaar Authentication History page, enter your 12 digit UID and then mention your security code. Click ‘Send OTP’.
4. The one-time password (OTP) so generated, is sent to your registered mobile number.
5. In the next step, select the Authentication Type such as demographic, biometric, OTP, biometric and OTP, demographic and OTP, and demographic and biometric, date range, number of records you wish to be displayed and enter OTP. Click the ‘Submit’ button.
6. On the page opened, you will be able to see the authentication history along with authentication modality, date, time, the name of the AUA.
One important point to note here is that you can see a maximum of 50 records at a time of the past six months. In case you wish to find a specific transaction, select the specific authentication type and the relevant date range.
Consumer Resources 