Wrong debit of bank account.
Himadri Shekhar Bhattacharjee
(Querist) 01 March 2011
This query is : Resolved
Sir,
I have a current account with Punjab National Bank. The bank has made a wrong debit of Rs 10000 to that account on 04-06-2010. Inspite of my repeated letters, the bank is not capable of providing me the statements and justifications for the debit and keeping mum in spite of my letters. Sir, please let me know the remedies I may ask for and the avenues for doing so.
Thanks.
Himadri Shekhar Bhattacharjee.
Devajyoti Barman
(Expert) 01 March 2011
Youn have two fold options. Either to approach the Banking Ombudsman or to file case before the Consumer Forum . If you are from West Bengal then I can say that the present Ombudsman is doing great job.
Himadri Shekhar Bhattacharjee
(Querist) 01 March 2011
Thanks for your guidelines sir. Since, I am posted at Silchar, Assam, could you please give me further guidelines in this regard.
Thanks.
Himadri Shekhar Bhattacharjee.
Ahmed Daud Girach
(Expert) 02 March 2011
Ombudsman or Consumer forum will give good results.Still other right to information act application to bank will give you correct picture of debit.
R.Ramachandran
(Expert) 02 March 2011
Dear Mr. Himadri,
I have serious doubts about the veracity of the queries being posted by you. In one of your posts, you have stated that you are an officer of Punjab National Bank. If that be so, you would not be doing any business. Only business establishments are permitted to maintain Trading Account. As such how can you have any trading account with a bank. Assuming that you have a trading account with Punjab National Bank, you being an Officer in the same bank (not necessarily with the same branch), it is highly unbelievable that the bank is not rectifying the mistake. In any case, being an officer in the bank, you must be quite conversant with the remedies and also the higher forums to which you must make a complaint. I take your versions with a pinch of salt.
Guest
(Expert) 02 March 2011
Really, if a Bank Officer asks such a query which he might have dealt with in plenty by himself, that creates doubts on the genuineness of such queries.
Himadri Shekhar Bhattacharjee
(Querist) 02 March 2011
Sir, I am astonished by your reply. You expressed your suspicion without knowing the facts. All bank employees are permitted to have and maintain bank accounts with OD facility attached threin and to that account salaries are credited.I think you should be knowing that, people come to these forums when they don't get recourse from usual channels. Please desist from making cryptic comments. If you can help you just help.Himadri Shekhar Bhattacharjee.
Himadri Shekhar Bhattacharjee
(Querist) 02 March 2011
Sir, For your kind information I would like to convey that, banks have permitted employees to open and maintain current accounts with Overdraft facilities attached and for that, they need not be in business. It is done to find avenues for deployment of funds of banks, which are safe since, OD facilities to staff are safer since, their gratuity and pf dues are held as securities.
Thanks. Himadri Shekhar Bhattacharjee.
Himadri Shekhar Bhattacharjee
(Querist) 02 March 2011
Sir, For your kind information I would like to convey that, banks have permitted employees to open and maintain current accounts with Overdraft facilities attached and for that, they need not be in business. It is done to find avenues for deployment of funds of banks, which are safe since, OD facilities to staff are safer since, their gratuity and pf dues are held as securities.
Thanks. Himadri Shekhar Bhattacharjee.
R.Ramachandran
(Expert) 03 March 2011
So what, still the question remains. When your own bank is doing such things, you approach your higher authorities as to why they have not rectified the mistake, if at all, it is a mistake. In any case, as a bank officer you should yourself know whether Ombudsman can be approached for such mistakes which remain unrectified or not. One has every right to question the veracity of the queries before answering. You cannot stop even such queries happen to be criptic or doubting your credentials.
Himadri Shekhar Bhattacharjee
(Querist) 03 March 2011
Sir, I have already approached higher authorities not less than five times about the wrong debit and they couldnot give me reply since, nothing was found owing to the bank. So, they decided to stay 'mum'. Moreover, I have already furnished the 'final' letter to them before waiting the mandatory 30 days' period before making a representation to the 'banking ombudsman'. But, in order to look for other avenues for recourse, I wrote to this forum. So, no need to waste time justifying authenticity of my credentials. It is very well disclosed by me beforehand.
Regards. Himadri Shekhar Bhattacharjee.
malipeddi jaggarao
(Expert) 03 March 2011
Mr.Himadri Shekhar Bhattacharjee, if you are working in the same bank, as PNB offers CBS you can as well verify from your system and know who has debited your account and the purpose and from which Branch. You can definitely appraoch that person/branch and ask for rectification. The details of transaction is very well accessible to you. You can verify to which account the money has gone, who has debited your account etc. When such an opportunity is in hand, how can you say the Bank is not responding your request to reverse the wrong debit? Can't you make representation to the concerned higher authority giving full details of the transaction and ask for rectification? In spite of your representation with full details, if the Bank is not rectifying the error(if it is), you are free to seek reedy from Ombudsman or consumer court.
Parthasarathi Loganathan
(Expert) 04 March 2011
As stated by the querist, if it is a wrong debit, it is presumed that there is no authority entrusted to the bank by the account holder. If that is established then account could have been adjusted by a contra credit for the same amount subsequently. As Rao Saheb has opined this can also be checked through any other CBS branch without visiting the transacting branch. Transaction log will also give a clear picture from the Central Unit. As an employee of the bank, it is better to get your grievance settled without complicating this small issue by escalating the matter to third party.
Himadri Shekhar Bhattacharjee
(Querist) 04 March 2011
Sir, Suddenly, consequent to dishonour of a cheque in my account,I checked up the account through internet banking and could find that one Branch office at Ledo, Assam, has deducted an amount of Rs 10000 with remarks, that, it has been deducted on account of outstanding due to a cheque discounted in my account. I then contacted the relevant branch manager and asked for the dishonoured cheque/instrument, if it has been returned unrealised. But the bank couldnot furnish me that,instead the bank manager has admitted that, he has done son on presumption since, consequent to migration to 'CBS' an amount was found outstanding in 'Cheque purchased ledger head' and on presumption it has been debited to my account. But he didn't rectify it, even the circle office didnot take steps to rectify the matter and now resorted to keeping 'mum' inspite of my letter. So, I am left with no alternative other than approaching 'OMBUDSMAN' for rectification and compensation. Thanks. Himadri Shekhar Bhattacharjee.
