bankers right to lien "what is my rights"

Querist : Anonymous (Querist) 16 November 2010 This query is : Resolved
Hello,

i have a credit card since 2003 from private bank...after some misbehave with banks guys on some issue a surrender my card in 2007 with latter that i have no outstanding to pay on my card account,if i have to pay anything please let me know.

After i received nothing from bank side.when i open a salary account with this bank in oct-2010,they just withdrawn my salary saying that i have a outstanding to pay(which was 4-5 times to my total card limit) and this banks "Bankers lien & right of setoff"

When i contact to bank for details they said they have look the issue and a officer contact you.but no one contact me and my all salary goes.

What i need to do?
what is my right?
Please help me.

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Parthasarathi Loganathan (Expert) 16 November 2010
Repeated query. Please check up our detailed opinion posted a couple of days back.

Devajyoti Barman (Expert) 16 November 2010
I think the Bank has clearly overstepped its rights. You can ether lodge complaint to the Banking Ombudsman or the Consumer Forum in this regard but not two options at the same time. The debt if any is also seemed to be time barred.

adv. rajeev ( rajoo ) (Expert) 17 November 2010
First issue notice to the bank asking the details and credit the amount adjusted to the loan account, if they failed then file a consumer complaint.

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