Wrongly credit money to other account by bank
nawas
(Querist) 18 November 2014
This query is : Resolved
dear sir,
last month 31st my tenant went to sbi and deposit the Rs.5000 in my account and challan copy of deposit.
on 15th november i check my account but that rs.5000 didnot credit my account.and i went to bank and check my account the didnot credit that my account .and they credited to other person account and they do credited my money in my account after 16 days. i want to take legal action againest the bank. its possible.
please tell me.
thanks
Devajyoti Barman
(Expert) 18 November 2014
You can file a case in consumer forum.
Anirudh
(Expert) 18 November 2014
Dear Mr. Nawas,
Be practical. You can definitely make a complaint to any Forum. But the first question that will be asked from you is did you suffer any loss? Was any of your cheques got dishonoured because of non-availability of funds in your account? Did the bank failed to restore your amount to your account when pointed out? Have you any answer? In any case, please remember, you have to spend money to approach a legal forum. Take into account all these and then jolly well take legal action.
Sailesh Kumar Shah
(Expert) 18 November 2014
instead of taking legal action, it would be better to request bank to give credit on 31st.
Rajendra K Goyal
(Expert) 18 November 2014
There was a mistake which was rectified, if no loss occurred to you, your legal action would result more costly to you as compared to relief you may get which is uncertain. Bank would regret for the mistake and would promise better service in future if complaint done to seniors.
ajay sethi
(Expert) 18 November 2014
gree with Mr Anirudh . litigation would be waste of money . if bank is crediting your account forget the issue
Kumar Doab
(Expert) 18 November 2014
The bank is liable to pay interest.
You have right to demand certified copy of bank's internal compensation policy....and demand compensation.
The visits to bank, representation doesn't come free.
Let the bank state in writing whatever it wants.
You can certainly demand acknowledgement of deficiency, applight, compensation...
Rajendra K Goyal
(Expert) 19 November 2014
The interest comes Rs. 7 paise 65 for 16 days on 5000 @ 3.5% for which no litigation / dispute is advisable.
Kumar Doab
(Expert) 20 November 2014
The bank should and shall happily pay the interest for delayed Perot without any litigation and shall have to refer to its compensation policy in line with guidelines by RBI and its internal ones by BOD.....
The BM has to supply the printed version without any cost.
Non compliance shall entitle you to approach forums like DCDRF....
