This scenario is one of the biggest fears that people have when dealing with credit cards, and handing this information off to other parties. You hand this off to a person purporting to come from a bank, and then find that charges are being piled on your credit card, and then have to run around in trying to clear yourself of these extra charges. It can get real frustrating and annoying for people to have to deal with such kind of problems. The normal tendency is to blame the bank for keeping such people on their rolls, for having such a process where misuse can happen, and for then being insensitive to the problems they are facing. Read more about the incident:

The manager of a Delhi-based private firm was arrested along with two accomplices on Friday on charges of allegedly making purchases using the credit card of an ICICI bank customer.
“We registered a case on the complaint of Atri and arrested Goyal from the Rohini branch of ICICI Bank. The other two were arrested at the instance of Goyal. During interrogation it was revealed that Goyal is the manager of i-process, an outsourcing private company of ICICI Bank, dealing with credit card users whereas accused Ashish Katyan and Dev Aggarwal were working as recovery agents in another collection agency,” said DCP (outer) Atul Katiyar. “The accused used to contact the customers and introduce themselves using a fake name. Then they used to send Ashish Katyan for collecting the card from consumers. Instead of blocking the cards, the three used to go shopping.

The basis for the information that these thieves come up with is information that the bank has revealed to them, so the bank should be the one to blame for this. In the process of reducing their costs by outsourcing this service, they have let such a thing happen, and hence need to be penalized. If this was a country with stronger implementation of privacy and data theft laws, the bank would be in serious trouble.

They sound like the answer to all your nightmares while driving. Normally, your car works fine, but consider the case when suddenly your car stops in the middle of the journey, leaving you totally helpless. This could be because of a puncture, could be because some other vehicle hit your car, or could be some other problem that is not yet diagnosed (at least, you don’t have the capabilities of a motor mechanic that you can quickly diagnose the problem). Now, you are stuck in the middle of nowhere, and you may not be able to figure out what is wrong with a car; you may not be even in a position that you can change the wheel of the car yourself. In such cases, there are now a number of car distress helplines that promise to help you quickly. Some of these (atleast in the Delhi / NCR region) are FastTrack, Race, Cross-Roads; and before you think that this is an advertising blog for them, this post is to point out a few problems in their functioning.
I have tried out a few of them, and performance has dipped badly in the last few years. Their promise is that they will be there within 30 minutes of filing a complaint; now the most common scenario is that of female family members and friends; if they get a puncture, it is not feasible for some of them to do the actual changing of the tyre. Further, you don’t know where it can happen, and if you have a service where you can get a tire replaced within 30 minutes, that is great.
Now, that was the promise. Unfortunately, the promise is not getting fulfilled. With 2 of these vendors (Race and CrossRoads), I have had a bad experience. In both case, there was a puncture, and a lady was waiting after calling them. They promised 30 minutes, but even 1 hour later, no trace. You call them again, and they were getting rude (Ma’am, they are coming, you need to wait). Finally, after 1.5 hours, we managed to make some local arrangements (the good part was that this happened at a place where it was crowded, so there was no safety issue). However, this is bad customer service - promising something that involved safety and convenience, and then not delivering. I will be very hesitant the next time they ask me for money for this service.
I wonder what the experience of other people with such kind of services has been like ?

Till some time back, the various Government run PSU’s and other departments always felt that they were not providing a service that could be challenged in court; that options such as consumer laws were only possible to be implemented if people had taken a service from a private company. It was only when they started getting castigated and losing cases in consumer forums and courts did the Government undertakings realize that they were also subject to the same laws and conditions as anybody else. And of course, as the economy opened up, and there was increased competition, this competition also drove the Government run departments to either shape up or lose out. The Railways has opened up somewhat and improved, but still there needs to be more improvement, as can be seen from this case:

AHMEDABAD: A consumer court has asked the Western Railway to pay Rs 6000 to a commuter for issuing journey ticket for wrong date and not cancelling the same. The court held that verification of details in ticket is primarily the railway staffers’ responsibility.
After hearing both the sides, member of the Forum, Jyotiben Jani concluded that it was the deficiency of service on part of railway authority, because despite mention of one date in requisition form, the booking clerk issued ticket of altogether different date. Hence, the Western Railway has been asked to pay Rs 400 as refund to ticket, besides Rs 600 for conveyance charges and Rs 5000 towards compensation for causing mental harassment to Malviya.

Overall this a good sign. Imagine the problem that would have been caused had the ticket not be cancelled, and been attempted to be used on the actual date of the journey. This would have revealed that the ticket was for a different date, and the person would have been left in a lurch, unable to make the journey.