By mere administrative orders (though not maintainable in law), IBA has been, , on several instances deliberately over ruled/ by passed/violated the provisions/clauses of the settlements made under ID act depriving a meagre section of the retirees, like us, of their legitimate claims. Obviously, with the “tacit approval” of the UFBU, that goes without saying. It is unfortunate sir, to bring it to your kind notice that neither the bank Managements represented by the IBA, nor the unions represented by UFBU have been serious to resolve our burning issues despite our hue and cry through various forums. In fact, they both have gone to the extent of saying that – we the retires cease to have any relationship with the employers and have no contractual obligations whatsoever and refused to have any dialogue with the organisations representing us for the redress of our legitimate grievances stated supra, vide their “Record Note” dated 25th May, 2015, which reminds us of the historical “MAGNACARTA” signed by themselves , to leave our fates to destiny forever. Thus, we have been treated as “untouchables” both by the IBA and the Unions as well. Under the circumstances, we have been left with no other option but to knock the doors of justice for the redress of our legitimate grievances – -though burdensome, frustrating and time consuming......." https://www.change.org/p/hon-ble-prime-minister-of-india-sri-narendra-modi-plight-of-the-bank-retirees-urgency-to-constitute-banking-pay-commission?source_location=minibar We are therefore, forced to necessarily bank upon the time-consuming legal recourse which needs to be expedited simultaneously together with other organisational efforts like dharnas, CLC meetings, etc. In this regard, the pains-taking efforts of the leadership of AIBRF (All India Bank Retirees Federation- An apolitical organisation representing us ) are indeed Laudable. In this process, I can just imagine their plight in encountering a few instances of humiliating /frustrating experiences – be it with IBA or UFBU -- just for the sake of the lamenting lot of the fraternity of bank pensioners.