My experience is like this.
They declne to provide the information on some flimsy grounds. Or they provide some irrelevant information. When we make an appeal, the appellate authority (without appication of mind) simply confirms the reply originally given.Getting the first reply and reply for the first appeal takes around 2 or 3 months.
Then when we file Second appeal, the hearing itself comes after 6 months or so. Again, mostly the request is dismissed. Or even if the second appeal is decided in our favour, once again the bank provides some irrelevant data and get away with it. We do not have further course except legally proceeding against them.
We do not have to time and resources to go in person for the second appeal hearing. This becomes convenient tool for the banks to misguide.
Ulitimately there is no right to information, only right to suppress the information for the banks.
S Kalyanasundaram