I am entirely frustrated by the turn of events. It’s been two
years since I left my last employer and I am still struggling to get my PF.
What have I been doing for the last two years is what you ask? Yeah I had a
baby and he is going to be ten months old now, but in between all that I have
been communicating with either my ex employer or my bank to get things done.
Except when I was in the labor room.
This bank, basically a foreign bank, had a different name two
years back, when a sales guy thrust those documents in front of me and asked me
to sign them on my joining day at my ex employer’s. And lo and behold, I am an
account holder ! And right there was my debit card, a customer relationship
number, cheque leaves all neatly arranged in a file which looked as elegant as the Brittanica. All on the same day…or the same hour that I met them! I accepted
the account without questions- well why would I - when I all I care about is
the salary which has to get credited promptly by the end of every month.
Six months after I put down my papers, I randomly checked whether
all is well at my PF processing. Then suddenly those guys came up with an
excuse saying that the PF papers require a Rs.1 revenue stamp, signed across by
yours truly, which was not in my submitted forms. I clearly remember submitting
that when I was in India, and it was very obvious that these guys lost it. Then
it took a few ISD calls, hunting for Re.1 Indian revenue stamp in a different
country, signing it across and sending it by courier. Thankfully they acknowledged the
receipt of the stamp and as instructed, I waited again for two more months and
checked the status when they came up with a fresh excuse- cancelled cheque
leaves are required. This time, my head fuming with rage, I applied for a
cheque book to be delivered at my address. Then these bank guys said that the
cheque book returned undelivered (My foot!). I updated my address ( added a spacebar
to the existing one) and it got delivered the second time at the same address.
This process took a lot of emails, phone calls to customer service and more
importantly, two good months. Again the cheque leaves were sent to them and I ensured
that all the documents were in place.
I waited another four months.
Suddenly one fine morning my Papa called me and said sadly that my
account with this nasty bank is getting closed as there is no activity in it
for the last two years. How did Papa come to know? Interesting question. The so called super bank's primitive website does not allow country codes other than +91 to be entered in the mode of communication tab and so, I was forced to give Papa's number there. So these brainless monkeys at the bank were actually communicating with Papa on my behalf - now that's what we call a secure modern age banking.
I called these bank people,
wrote emails – crispy and lengthy, I posted grievances saying-please do not close my account, as my PF is getting processed and I have given this account number in it– nothing happened. They
said that as my salary stopped coming in, they converted my account into some
other type (wth !) in which it
required a minimum balance. How am I to know this, you bastards? They say they gave me a warning letter to my address, that account will be
closed- which wasn’t delivered (because you dint send it, you useless
creatures!). And one day they just closed it; which essentially also means that
my PF will never get credited. All my other efforts to get the PF went down the
drain.
I emailed the branch head, node head, communication manager,
everyone whom I could get an email of and pleaded them to reopen my account as
my PF will be credited into it. They replied saying no, not politely though,
with enough shameless lies about the phone calls and emails they sent which
never reached me. However the courier saying that the account is closed reached
me promptly…how madam? Your bank is just plain spiteful and I genuinely hope it
closes down and you roam down the streets begging with your resume, you know
that?
Anyway what lies ahead of me is a herculean task to download a
fresh set of forms, fill them, attach revenue stamp and cancelled cheque
leaves of a different account number. It will again take another year to get
processed. I do not know how much I have in my PF, but mind you worthless
fools, even if it is Rs.1, I am entitled to each and every paisa of it - as it
is the fruit of my toil - which you disoriented dumb heads wouldn't know a shit about. Then I will send you an email, my dear ex-banker. I will also come to
your office when I am in India, a couple of months from now, and give you an earful.