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ഒരു വർഷത്തിലധികം ഉപയോഗിക്കാത്ത ലോക്കറുകൾ ബാങ്കുകൾക്ക് പൊളിച്ചുമാറ്റാം Breaking open of unused bank lockers - article in Malayalam

ഒരു വർഷത്തിലധികം ഉപയോഗിക്കാത്ത ലോക്കറുകൾ ബാങ്കുകൾക്ക് പൊളിച്ചുമാറ്റാം 

സമ്പാദ്യം സുരക്ഷിതമാക്കാൻ ബാങ്ക് ലോക്കർ എടുക്കുന്നത് നല്ലതാണ്. ആഭരണങ്ങളും മറ്റു വിലപ്പെട്ട രേഖകളും അവിടെ സുരക്ഷിതമായി ഇരിക്കും. പക്ഷേ ഒരു വർഷത്തിലധികമായി ഉപയോഗിക്കാത്ത ബാങ്ക് ലോക്കറുകൾ ബലംപ്രയോഗിച്ച് പൊളിച്ച് തുറക്കാൻ ബാങ്കുകൾക്ക് അധികാരമുണ്ട്. 2007 ഏപ്രിൽ മാസം പുറത്തിറങ്ങിയ റിസർവ് ബാങ്കിൻറെ മാർഗനിർദേശങ്ങളിൽ അക്കാര്യം വ്യക്തമാണെങ്കിലും അധികം പേരും അത് ശ്രദ്ധിക്കാറില്ല. 

തുറക്കുന്നതിനു മുമ്പ് നോട്ടീസ് നൽകണം

ഉപയോഗിക്കാത്ത ലോക്കർ ബലംപ്രയോഗിച്ച് തുറക്കുന്നതിനു മുമ്പ് ഉപഭോക്താവിന് എന്തുകൊണ്ട് ഉപയോഗിക്കുന്നില്ല എന്ന കാരണം ചോദിക്കുന്ന നോട്ടീസ് ബാങ്കിൽനിന്ന് നൽകണം. ലോക്കർ കരാർ ഒപ്പിടുന്ന സമയത്ത് തന്നെ ഇത് സംബന്ധിച്ച വിവരങ്ങൾ ഉൾപ്പെടുത്തിയിരിക്കണം എന്നാണ് ചട്ടം. അതോടൊപ്പംതന്നെ ഉപഭോക്താവിന്റെ കെവൈസി വിവരങ്ങളും ലോക്കർ നൽകുന്ന സമയത്ത് തന്നെ ബാങ്കിന് ബോധ്യമായിരിക്കണം. ഇക്കാര്യത്തിന് ഉപഭോക്താക്കളെ ഹൈറിസ്ക് ഉപഭോക്താക്കൾ എന്നും മീഡിയം റിസ്ക് ഉപഭോക്താക്കൾ എന്നും രണ്ടായി തിരിച്ചിട്ടുണ്ട്. ഹൈ റിസ്ക്ഉപഭോക്താക്കൾ ഒരുവർഷമായി ലോക്കർ ഉപയോഗിച്ചില്ലെങ്കിൽ ഇത്തരത്തിൽ നടപടികൾ ആരംഭിക്കാം. മീഡിയം റിസ്ക് ഉപഭോക്താക്കൾ മൂന്നുവർഷം ലോക്കർ ഉപയോഗിച്ചില്ലെങ്കിൽ ആണ് നടപടി. നോമിനി ഉള്ള സാഹചര്യത്തിൽ നോമിനിക്ക് ലോക്കൽ തുറക്കാം. നോമിനി ഇല്ലെങ്കിൽ പിന്തുടർച്ചാവകാശികൾക്കാണ് അതിനുള്ള അധികാരം.

©  Sherry J Thomas 30.3.19

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