Home' Trinidad and Tobago Guardian : March 17th 2014 Contents A7
Monday, March 17, 2014 www.guardian.co.tt Guardian
Each week, the Guardian Angel col-
umn highlights complaints sent in by
you, the consumer, and provides solu-
tions or directs you to the appropriate
Problem: Boodhanie Barran, from Dow
Village, California, said she had been
receiving survivors benefits up until
Ms Barran said, "When benefits were
increased from March 4, 2013, my ben-
efit was reduced to $600 per month.
"I found this to be illegal and appealed
NIB s decision on August 3, 2013, only
to find that my benefit was cut off
entirely in September 2013.
"My life certificate is up to date and
the board is acting unlawfully to ter-
minate my benefit."
She said there was nothing in the law
which gives NIB the right to terminate
someone s benefit while an appeal is
Solution: Ms Barran s matter has been
expedited and all outstanding amounts,
including the increase, have been sent
to her bank.
Problem: Gasparillo resident Jattan
Ramdathsingh said he has complained
numerous times about an abandoned
lot of land on the eastern side of his
property, to no avail.
Mr Ramdathsingh said the land catch-
es fire several times during the dry sea-
"These fires destroyed trees on my
property which were over 30 feet tall and
also pose a threat to my home.
"The T&TEC 66KV line runs across
this plot and contractors working for
T&TEC always remove trees growing
below this line. Just over a week ago
contractors again felled trees on this
Mr Ramdathsingh said he had report-
ed this abandoned plot to all relevant
agencies and even had a Ministry of
Health site visit, but the problem of fires
during the dry season, as well as health
concerns, continued without relief.
He said he has wooden eaves and is
fearful his home could be burnt down.
Solution: T&TEC was contacted about
Mr Ramdathsingh s issue and the
Guardian Angel was told the contractor
is responsible for clearing any trees felled
while making transmission lines safe.
An engineer viewed the property last
Friday and the contractor will remove
the cut trees.
Changes in the local business
sector caused Republic Bank Lim-
ited to lose half a billion dollars in
profits over the last five years, its
managing director David Dulal-
Whiteway has said.
Speaking at the bank s annual
Long Service Awards and Recog-
nition Ceremony held on Saturday
the Hyatt Regency, Port-of-Spain,
Dulal-Whiteway said, "Five years
ago, our net interest margins were
closer to four-and-a-half per cent.
Today, it has fallen about one per
cent. Now you may say that one
per cent is nothing. The thing is we
have a very large balance sheet. We
have over $58 billion of funds under
management and that one per cent
represents $580 million. Five years
ago, I remember having to address
you and at that time, we just had
the Clico debacle and all the fallout
that took place. We have survived
that five-year period being stronger
today that we were in 2009."
He added, "The kind of market
place that we had five years ago,
we would have been making $500
million more today than we are
actually making. We also see situ-
ations where competition is chang-
ing. There are new players coming
to the market and we also have our
value systems being challenged by
change in technology--the need to
have things done quickly and imme-
diate. It s within that space that we
all have to operate and try to ensure
that Republic Bank continues for
another 200 years and more."
Within the present banking
space, he said, new changes were
taking place with respect to regu-
lation and technology. Despite these
changes, he said, relationship bank-
ing was critical for success.
"If we do not put focus on rela-
tionship banking what will happen
is we will lose our competitive edge.
We will lose our reason for existence
and therefore, our customers will
say, we may as well use technology
because we are not getting any
added benefits from this face-to-
face relationship. Building great rela-
tionship requires a serious focus in
service excellence. We also have the
mantra that service drives sales.
The strength of the organisation is
based on service and therefore if
we could provide excellent service
you find that sales wouldn t fall,"
Kathy Anne Sebro accepts her award for 40 years of distinguished service from David Dulal-Whiteway,
managing director, Republic Bank. Occasion was the bank's annual Long Service Awards and Recognition
Ceremony held at the Hyatt Regency on Saturday. PHOTO: SEAN NERO
RBL loses $.5b profit in five years
Even as you're encouraged to
take the appropriate routes for
addressing your complaints, the
Guardian Angel is here to assist
you. You can send the Guardian
Angel an e-mail about your
problem and what steps you took
to deal with the matter.
The Guardian Angel looks
forward to hearing from you and
bringing some relief to your
E-mail her at
Please include your name,
address and telephone number as
we'll need them to follow up with
Unfortunately, owing to the
volume of e-mails and limited
space, it is impossible to address
every complaint, no matter how
worthy, or acknowledge receipt of
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