Monday, May 14, 2007

How I quit the crowds and learned to love late fees

For the last year I have been at war with the electricity board of Tamil Nadu. I chalk it up to cultural miscommunication, they chalk it up to me being an all around non-bill paying delinquent. Every two months on the 15th a meterman drops by my apartment snoops around the electrical box and makes a note of how much electricity that I have used. He is supposed to write it down on an government issued electricity ration card so that I have a record of the reading, but more often than not I am not home to give it to him and my aging and mostly blind guardsman never picks it up from me. The ration card stands in for a what I consider a normal electricity bill--the kind that arrives in the mail--and without a notation there is nothing to tell you when you actually have to pay. And I usually don't. At least not on time.

Instead of bill dates, everyone just seems to know that you need to run across town to the electricity board building and pay them in cash before the 15th of the next month. If you don't the next time the meter man drops by he will cut your power. This happened to me in September (and every month thereafter) when my first fights with the electric company began.

Paying the bill at the electricity board is no easy task. Invariably when I show up there is a line that stretches around the block and it can easily take four house in the hot sun just to give a man behind a glass window money.

So after about six months of trial and error I've finally figured out the trick for paying the electricity bill with as little hassle as possible. It involves a few late charges, a little expertise as an electrician and a sneaky way to avoid the insurmountably long lines.

While I am never able to catch the meter man when he is on the premisis, I am invariably home when he ends up cutting my power. Since power outs are common in this part of town I usually don't think much of it, but after the power has been out over an hour (or if I hear my neighbor's TV) I march down to my power box to fix the problem. In the United States when the electricity company shuts down your power they usually do so by pressing a button on some centralized computer in another part of the country. Here in Tamil Nadu it's not quite that sophisticated. In stead of a person at a call center managing your power, the meterman simply disconnects one of the yellow wires at the bottom of my meter (usually the one on the far right side--see photo) and flips the main power switch for the apartment.

To reconnect the power I just wait for the meter man to leave and then plug the lead wire back in. Presto. The lights are back on and I have two more months of power.

Of course, I don't want to steal electricity, I just want to have a way of knowing when to pay the bill. So after a bit of procrastinating (usually about a month) I make my way down the the electricity board which sits on a busy intersection about a mile from my house. Most times of the month there are dozens, if not hundreds, of people holding their electricity ration cards in their hands and waiting to pay their bills. I've waited in those lines before and it can take a very long time before the men and women behind the window stop jabbering with one another, finish their twelfth tea break and finally get around to processing payments. It makes paying a electricity bill the same as a monthly visit to the DMV.
Not wanting to wait in the nightmare line (see photo above) I have come up with a way to skirt the whole issue. Like everything in this country, there are several levels of bureaucracy that you have to deal with when interacting with the government. And despite the huge lines, there are three or four workers behind the glass counters who sit around and do nothing all day because no one needs their specific bureaucratic skills. There are three lines for paying your bill on time, a line for fines, a line for late bills and a line for general inquiries.

That majority of people have come to pay their bills on time and thus have to wait around forever to get processed. However, as a delinquent bill payer I have the luxury of scooting ahead of everyone and going to my own delinquent bill payer window.
So while everyone of India's upstanding citiziens gets to stand in lengthy lines, I get to scoot past them all and pay a nominal (60 rupee) fine for not paying on time and get away from the bloody mess in just a few minutes.

Now I'm sure that this is not the system that the Indian government intended to create for bill payment, but it is by far the easiest one that I have come by yet. Not only do I avoid lines, but I don't need to wait around my house for three days in the middle of the month to catch the meterman as he threatens to turn off my power.

Today I paid my last two month's bill for 1800 rupees, and still had time to write this post. I think the people in the photographs above as still waiting for their agent to finish their tea.

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16 Comments:

At May 14, 2007 1:22 PM, Anonymous Anonymous said...

Dude, if you have a bank account can't you just pay online?

 
At May 14, 2007 1:26 PM, Blogger Scott Carney said...

An online system would be music to my ears. I just don't think that option is available in Tamil Nadu. If you know something I don't please send me the link.

 
At May 14, 2007 5:06 PM, Blogger Justice for Robert D. said...

sort of sad. but funny.

Vivek was sort of right. Some banks in some states in India do allow online payments. Unfortunately this doesnt extend to India (as per my ICICI cheat sheet).

That said, outsource the bill payment! Why dont you ask your blind guardsman to do it? 50 ruppes and he'll sit there in stead of at your home.

 
At May 14, 2007 11:44 PM, Blogger Jace said...

It's incredible Chennai is still stuck with primitive scheme. BESCOM's (the Bangalore Electric Supply Company) billing system is completely automated. Metermen bring handhelds and print bills on the spot. Bills can be paid by direct deduction (which also offers a discount), online with a credit card, at BESCOM centres with an automated machine that accepts cash, or at Bangalore One centres scattered across the city (where, even if there's a queue, you're sitting in an air conditioned room and paying no extra service charge for it).

The last time I stood in queue to pay an electricity bill was ten years ago. Incredible.

 
At May 15, 2007 12:36 AM, Blogger dazedandconfused said...

Real funny. Andhra Pradesh has an online payment system. About time Tamil Nadu caught up!

 
At May 17, 2007 9:15 AM, Blogger Nitin said...

Recently visited my parents in Pune. There at a general store you can pay all kinds of bills for a fee - phone, electric .... Also online if you want.

 
At May 20, 2007 9:11 AM, Blogger sandeepmoonka said...

I belief the online bill payment system in India is still emerging.Still there are few good ones in place.

1. Visa Bill pay
http://www.visabillpay.in/jsp/legal_vbp.htm#5
2.Citibank Credit Card
3.ICICI Credit Card

I assume you would find Chennai's electricity bill payment through these if not at least some of the billers whom you subscribe to:)

 
At May 21, 2007 8:47 AM, Anonymous Anonymous said...

Thats the spirit Scott,

You are becoming more Indian day by day.

 
At May 27, 2007 6:53 AM, Blogger YesYes said...

Dear Scott,
I live in Chennai I pay my MES bills myself I never had any problem.
1. The MES card is not a ration card. Both are different.
2. You can leave the card in the meter box.
3. Even of you dont have the meter reading entered in you card the data is in MES system and you dont need the card to make the payment. All you need is your account number
4. The billing is computerised though you can pay online. Since its computerised you can pay in any MES Office.
5. Why do you wait for the last day. There are 28 days before you can pay without long line. The reading is entered in the system the very next day.
6. You can very much pay by check or DD Draw the check favouring SE/ MEDC/XXXXX ( south / north etc. )
7. There are so many service providers who will take you check and pay the bill for Rs 10 a month.
8. Instead of ranting about lack of high tech its so easy to find the right way ( not any illegal way) around say system.
9. Did you ever ask your neighbours in the apartment where you live what they do about their MES bills ? They will be more than willing to help a foreigner.
10. To reconnect the wire is perfectly illegal Dont ever do it again and much less blog about it. You should learn the respect the law of the land.
11. There is a limit to exaggeration. However long the line it wont take 4 hours to pay a bill.
12. Last but not the least reread the post before you publish. High tech spell check can spot errors if you key in "house" instead of hours.

 
At May 29, 2007 11:43 AM, Anonymous Anonymous said...

Sukumar,
//1. The MES card is not a ration card. Both are different.// So what
//2. You can leave the card in the meter box.// So that somebody can throw my card in the dustbin, Huh
//3. Even of you dont have the meter reading entered in you card the data is in MES system and you dont need the card to make the payment. All you need is your account number// Then why do I have a card.
//4. The billing is computerised though you can pay online. Since its computerised you can pay in any MES Office.// Now That's a big lie there is no online payment available.
//5. Why do you wait for the last day. There are 28 days before you can pay without long line. The reading is entered in the system the very next day.// Seems you have lot of time to do silly things.
//6. You can very much pay by check or DD Draw the check favouring SE/ MEDC/XXXXX ( south / north etc. )//They don't accpet cheques on last date.
//7. There are so many service providers who will take you check and pay the bill for Rs 10 a month.// Thanks, but none near my home.
//8. Instead of ranting about lack of high tech its so easy to find the right way ( not any illegal way) around say system.// One word Funny!
//9. Did you ever ask your neighbours in the apartment where you live what they do about their MES bills ? They will be more than willing to help a foreigner.// Neighbours ??? Do you live in Chennai
//10. To reconnect the wire is perfectly illegal Dont ever do it again and much less blog about it. You should learn the respect the law of the land.// which section Under IPC
//11. There is a limit to exaggeration. However long the line it wont take 4 hours to pay a bill.// Your parents work for TNEB??
//12. Last but not the least reread the post before you publish. High tech spell check can spot errors if you key in "house" instead of hours.// Thanks.

 
At June 01, 2007 5:19 PM, Blogger Nick said...

Pay your bill in the first few days of the month. You will be able to saunter into an empty EB office, stroll over to a deserted counter, give your money and depart.

Or you can do it all at speed, if you really are so short of time.

And yes, the card is part relic, partly for customers (like a bank 'pass book' --- who needs it? statements come in the post and online) to keep track. You can pay without the meter reading having been entered on it. It is still the easiest thing to take to the office to show what account you're paying, though.

 
At June 02, 2007 1:27 PM, Blogger Smith said...

this sounds like the most primitive electricity bill payment system in India. There is a site called www.billjunction.com where you can make several bill payments online in several cities in India. The only major city that does not have online payment for electricity is Chennai!!! Good work Scott!

 
At July 16, 2007 3:45 PM, Anonymous Anonymous said...

online systems won't accept after due date.

i am not sure why the hell they remove the electricity if non payment for just two months. with hell of power shutdown and power fluctuations, why should they do this, can't they wait for some more time.

idiots, and idiotic government.

 
At February 11, 2008 4:29 PM, Blogger Unknown said...

Hi Sukumar,

India will never grow untill unless people like you understand the value for time. Could you justify if thers any value addition in making a person wait for hours in queue and travel unnecessarily for just making a payment that can be done at the comfort of the home in just a few mouse clicks.

When many countries are looking at saving time in their online systems to reduce the number of mouse clicks to save the productive time, people like you want to waste time without any sense.

I could really not understand how you people connect this to respecting the government. For your information, government is not any "body of god" that has the only right way of doing things. It is formed by people and everyone has a right to improve on the systems and mechanisms. Try to use the logical part of your brain before accepting things blindly.

I am sorry if i was a bit harsh, but its the anxiety in me to have my country men grow like real men that makes me take the harsh route.

 
At June 07, 2008 10:24 AM, Anonymous Anonymous said...

//1. The MES card is not a ration card. Both are different.// So what /- You don’t even know the difference between a ration card and EB card and you are blogging on the MES system in Tamilnadu!
//2. You can leave the card in the meter box.// So that somebody can throw my card in the dustbin, Huh /– All the people have more important jobs to do than throwing your card to dustbin.
//3. Even of you dont have the meter reading entered in you card the data is in MES system and you dont need the card to make the payment. All you need is your account number// Then why do I have a card. /-It is for the record. If you dont have the time to keep the card and collect it then take some excess money while paying
//4. The billing is computerised though you can pay online. Since its computerised you can pay in any MES Office.// Now That's a big lie there is no online payment available. /-Online payment is not available but you can still pay in any MES office.
//5. Why do you wait for the last day. There are 28 days before you can pay without long line. The reading is entered in the system the very next day.// Seems you have lot of time to do silly things. /- Are you so poor that you cant pay within the next few days of the billing date. Rush will be there near the fag end of due date.
//6. You can very much pay by check or DD Draw the check favouring SE/ MEDC/XXXXX ( south / north etc. )//They don't accpet cheques on last date. /-Your financial problem needs to be addressed first and not the MES system as you tend to pay on the last date.
//7. There are so many service providers who will take you check and pay the bill for Rs 10 a month.// Thanks, but none near my home. /-Rent the house nearer to you to a service provider and with that you will not have the problem.
//8. Instead of ranting about lack of high tech its so easy to find the right way ( not any illegal way) around say system.// One word Funny! /-You have tasted the illegal way and be assured you will soon reap its benefits.
//9. Did you ever ask your neighbours in the apartment where you live what they do about their MES bills ? They will be more than willing to help a foreigner.// Neighbours ??? Do you live in Chennai /-This shows who you are and why your neighbours are afraid to pay the bill for you. Here in my flat one person will pay for all the house MES bills.
//10. To reconnect the wire is perfectly illegal Dont ever do it again and much less blog about it. You should learn the respect the law of the land.// which section Under IPC /-Don’t worry the EB and Police will take care of it.
//11. There is a limit to exaggeration. However long the line it wont take 4 hours to pay a bill.// Your parents work for TNEB?? /-Have you ever paid the bill once immediately few days after the billing. It will be less than 15 minutes.
//12. Last but not the least reread the post before you publish. High tech spell check can spot errors if you key in "house" instead of hours.// Thanks. /-Looks you have some courtesy.

 
At November 05, 2008 6:41 AM, Blogger Murali said...

Now chennai electricity consumers can pay online their current consumption bills at www.tneb.in

 

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