[Another how-to! But I couldn't find a detailed one elsewhere.]

It’s really no wonder that BSNL doesn’t make a rupee in profit. When your customer, since 25-plus years, lodges repeated complaints of a non-functional connection and you don’t do a thing about it, there’s no way you’re going to retain that customer. There’s no way you’re going to earn revenue when you treat loyal customers this way. I tried really hard to get my BSNL broadband service working though the lineman blamed everything starting from the exchange right up to the modem! At one point, he wanted me to take the day off, take the modem to the local exchange and have it checked-out! After 6-months of suffering, it had to end. If you too are suffering, here’s how you can end it.

How to surrender and close your BSNL Landline/Broadband Connection.

  • Take a photocopy of your latest telephone bill. It’s a good idea to already have paid the latest bill.

  • Staple the three documents together and hand them over at the local BSNL Customer Service Center (if you can find anyone at work!).

  • You’ll be made to run around to get information such as the amount of security deposit and outstanding dues (that’s why it’s a good idea to pay the latest bill a few days before you visit the office).

  • You’ll then be given an acknowledgement. Retain this till everything’s done with.

  • Finally, if you still have the energy and if you’re interested in saving Rs 220, take this acknowledgement along with your telephone instrument (any instrument will do) to your exchange and surrender the instrument. If you choose not to, then Rs 220 will be deducted from the final settlement (which I believe will be posted as a check to your mailing address).

That’s about it. As for me, I had Airtel come in and install a landline and broadband connection. It simply works!

That afternoon, an officer from BSNL called and told me that I should have complained to them in person and that they would have sorted things out. How’s that?


How to Close Your ICICI Bank Current Account?

by Vinaya HS on June 16, 2011

in Finance

At my previous job, salary was credited into a savings account while reimbursements were credited into a current account. The salary slip, however, combined both salary and reimbursements into a gross figure. Much chaos was caused when one needed to show proof of income/salary (for example when applying for a credit card) because the gross figure on the salary slip never matched the salary credit in the [savings] account statement and no one bought the story of the current account.

Thankfully, there is no such chaos at my present job and since one of my core personal financial principles is that “every financial account should justify its existence,” that current account had to go.

I did dilly-dally a bit but finally got around to closing it last week. That current account was with ICICI Bank and so the procedure below is specific to ICICI Bank.

How to close your ICICI Bank Current Account?

  • Edit the highlighted text with your specific details, print two copies, and sign them.

  • Submit one letter at your base branch and get an acknowledgement on the other.

That’s it.

Your account should be closed in about 2 to 3 working days. The current account didn’t come with a checkbook or ATM/Debit Card — so there’s no cut-these-up-into-pieces photo this time!

Note: Ensure that you transfer any remaining balance into your savings account before closing your current account. You should get a check even if you don’t, but you never can predict anything with these private banks. Why give them the chance?