World
War Veteran’s Widow on Deathbed Denied Cheque Book By Bank
Vancouver. BC, Aug 02, 2008
Ex JC-23212 Subedar Sohal Singh (Signals) put his life on the
line during World War II in North Africa, leaving his aged parents,
young wife and a small child behind at the mercy of others. He
fought for Democracy in which different people could live together
and enjoy freedom in peace. Whereas hundreds of thousands of Allied
Forces men and women sacrificed their valuable lives, he was lucky
to survive while fighting against Germans and Italians, in most
dangerous and trying conditions.
Years after his retirement, Subedar Sohan Singh and his wife
Smt Swarn kaur, being in their advanced ages, migrated to Canada
to spend final parts of their lives under the care of their children.
Unfortunately, Subedar Sohan Singh died on 27.11.1993. Intimation
to this effect was forwarded by Smt Swarn Kaur to all concerned
authorities. On receipt of numerous forms from Signals Records,
the Widow returned them duly completed in all respects. After
months of up and down correspondence, Smt Swarn kaur’s family
pension was sanctioned vide CCDA (P) Allahabad P P O No. F/NA/5413/96.
The Widow was asked to report to the Defence Pension Disbursing
Officer (DPDO) Hoshiarpur, with her Pension Book to draw her first
pension.
As luck would have it, 79 years old Smt Swarn kaur was admitted
in Burnaby Hospital in Canada on 19.2.1997 due to sudden attack
of paralysis, leaving her Left side paralyzed. Medical report
issued on her by Doctor Thakor Lal on 13.3.1997, declared her
“unfit to travel” until and unless she makes some
recovery, which was highly unlikely. A copy of her Medical Report
was forwarded to the D P D O Hoshiarpur. He transferred the widow’s
pension file to the State Bank of India, Jalandhar as the widow
had opened an N R O Saving Bank account in the State Bank of India,
Banga which falls under the jurisdiction of State Bank of India
Jalandhar.
A copy of the Medical Report on Smt Swarn Kaur was also forwarded
to the State bank of India, Jalandhar with a request to credit
her pension in her Saving Bank account with Banga Branch without
her personal appearance, as she was ’unfit to travel’
on medical grounds to come to India.
Unfortunately, Smt Swarn Kaur’s condition took a turn for
the worst. She was bed and wheelchair bound and unable to eat
herself. She was therefore, fed through a tube inserted in her
stomach. She was told clearly and unequivocally by her doctor
that she would never leave the hospital. While she was lying in
a precarious condition in hospital, all activities on her family
pension case were brought to a grinding halt by officials dealing
with it.
I had personally dealt with the family pension case of Smt Swarn
Kaur from the very beginning. After many years of my in vein efforts,
I got disappointed and decided to write personal letters to a
great many serving and retired friends, asking them to help the
bedridden poor widow on grounds of extreme compassion. I also
wrote letters to the Army Headquarters requesting them to intervene
in the matter. Since the Banking Industry comes under the Ministry
of Finance, I also wrote a letter to the Finance Minister giving
complete details of the case and requesting his intervention.
Sitting thousands of kilometers away from India, there was precious
little else, I could do in the matter.
I was pleased that the CCDA (P), State Bank of India, and other
officials dealing with Smt Swarn Kaur’s pension case, buckled
under the intensive pressure from the Army Headquarters and the
Finance Minister. As a result, the widow’s family pension
file started moving and picking up speed. Ultimately, on 12.8.2003,
the State Bank of India Banga informed the her that her family
pension including from 28.11.1993 has been credited to her Bank
account and her family pension effective 1.8.2002 onwards, is
being regularly credited.
With a view to operate her bank account from Canada, Smt Swarn
kaur requested her banker viz State Bank of India Banga, to supply
her a Cheque Book. Reply denying her request was as follows:-
“ We advise that as per Bank’s Rules, Cheque Book
is issued to a person who can sign on cheques. Thumb impression
is not accepted on cheques.”
It was pointed out to the State bank of India Banga that the
widow being an illiterate, used her thumb impression on all documents
/forms submitted by her in connection with her family pension.
Her thumb impression was accepted by all authorities including
her Bank officials. I view of this, the refusal by bank officials
to accept her thumb impression on cheques is not understood. Apparently,
the bank officials had a cavalier attitude to accept this particular
case. They did not care a hoot, nor bothered to reply to the above
reasoning.
All pleas from Smt Swarn Kaur and myself to State Bank of India,
Banga, requesting for issue of a cheque book to the widow, fell
on deaf ears of its officials. This amounted to nothing short
of disservice by the Bank not only to the widow of a World war
II Veteran, but also to the military pensioners at large. This
callous behavior on the part of Bank officials should not be accepted
under any circumstances. Both Smt Swarn Kaur and myself were disgusted
with the despicable attitude of the bank officials. Therefore,
I wrote another personal letter to the Finance Minister by name,
requesting for his personal intervention in the matter one more
time. I am pleased to say that under direct orders from the Finance
Minister, State Bank of India Banga dispatched a Cheque Book to
the Widow.
I regret to say that before poor sick Smt Swarn Kaur could physically
receive and use her long awaited cheque book, she breathed her
last on 24.4.2004. Intimation to this effect was sent by her son
Balwant Singh Parmar to all concerned.
It is of utmost annoyance that it took 10 full years of hectic
correspondence to get the family pension of World war II Veteran
late Subedar Sohan Singh’s widow in her bank account. Of
what good was that pension to her when she could not draw it in
her life time, in the absence of a cheque book? Is this the reward
Smt Swarn Kaur received for what her husband put his life on the
line during World war II? The widow lying on her deathbed, could
not draw and use even a penny of her pension? Thanks to the Bank’s
Rules. This is an injustice of the highest proportion. The undesirable
attitude of concerned individuals and bank officials for the inordinate
delay in paying the widow her pension and for not issuing a cheque
book, amounts to dereliction of duty. It essentially calls for
an inquiry and exemplary penalty to those found guilty.
I full well know, the pitiable and deplorable state of health
Smt Swarn Kaur was in, when lying on her deathbed in hospital?
Her stress had reached a critical level, “Seeing is believing”
as it cannot be explained in words. I wonder how many more widows
of World Wars Veterans are suffering like late Swarn Kaur in Canada
and other Countries of the world, where our military pensioners
have settled permanently. Remedial measures need be taken at the
highest level, to prevent such cases from occurring in the future.
Lt Col Pritam Singh Jauhal (Retd) World War II Veteran
Founding President Indian Ex-Service men Society British Columbia