Banking ombdsmen
Nushi
(Querist) 29 December 2014
This query is : Resolved
Hello to all experts,
i have withdrawn cash from atm which did not come out but got deducted from my account. i would like to know that how i can appraoch banking ombudsmen.
it happened to me twice once i lost Rs.500 different ATM than my own Bank
second time 10,000/- same ATM as my own Bank.
I got the complaint nos. as well, nothing else.
what i have to do before approaching BO?
How to approach?
How much time does it take?
Kindly suggest,
Thanks.
Devajyoti Barman
(Expert) 29 December 2014
Yes, you can approach the Banking Ombudsman for this. Another option is to file case in consumer forum.
ajay sethi
(Expert) 29 December 2014
did you inform bank immediatedly after incident . ? you can approach banking ombudsman if bank refuses to credit your account
Sailesh Kumar Shah
(Expert) 29 December 2014
before going to Banking Ombudsman, contact concern branch. Generally, bank will return back.
Rajendra K Goyal
(Expert) 29 December 2014
If you have lodged complaint with the Bank already, remind it. You can approach consumer forum or Banking ombudsman. Alternately you can approach Permanent Lok adalat or Permanent Lok Adalat (Public Utility services) if operating in your district as process is fast and cheaper in these.
P. Venu
(Expert) 30 December 2014
Banks correct such lapses in the normal course; please follow up with them. There is no need to rush to Banking Ombudsman.
Dr J C Vashista
(Expert) 30 December 2014
Submit reply to the questions raised by experts for proper advise.
malipeddi jaggarao
(Expert) 30 December 2014
The right course of action is to submit a complaint to the Bank's branch which has issued the ATM card i.e., in the branch where you have account. There is a specific format for that. If you have the delivery slip, enclose it to the complaint. The Bank will look into the matter and settle it within 2 working days if the error occured in its own ATM. If it is other bank ATM, it will take up the matter with the concerned officials who looks after settlements between the bank. Normally, such errors will be rectified within a week's time. If the bank do not take any action, on the basis of copy of complaint (should get the acknowledgement of the bank), one can approach consumer forum for redressal. Banking Ombudsman is only reconciliatory authority and such type of cases, it is of no avail except wasting time.
T. Kalaiselvan, Advocate
(Expert) 31 December 2014
The experts have advised properly, especially expert Mr. Malipeddi Jagga Rao. You may follow the suggested steps.
