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sunil sunil (sv)     29 January 2012

Bank accounts

My in-law had siginificant association with a bank. I used him as an introduction to open an account and kept a small amount of cash in it. Many years elapsed and I forgot about the account details. Since I was out of the country, I asked him for help locating the account and he provided me with two account numbers. After I did some research, it turns out that he had closed the original account and opened two more in my name. He has access to all of my personal details, PAN #, etc. Is he legally allowed to close and open bank accounts without my permission?
 



 4 Replies

Kumar Doab (FIN)     29 January 2012

No.

If bank has done what you have posted bank, BM, and passing officer has become a party.

sunil sunil (sv)     29 January 2012

How do I take legal action? What legal remedies are available? I was not even in the country at the time of the close and open and this is documented.

Kumar Doab (FIN)     29 January 2012

 

Citizen Charter, Greivance Redressal mechanism of the bank, escalation upto Nodal Officer, Chairman of the bank. Get hold of the certified copy of a/c opening/closing documents. RTI route to get certified  copy of a/c opening/closing documents, if BM denies or sits over the request.

Banking Ombudsman, BCSBI, Consumer Forum, Courts of law.

sunil sunil (sv)     18 March 2012

How long are bank officials required to maintain account opening and closing on record?

The new accounts were opened with fraudulent intent. How do I make the person operating the accounts fraudulently in my name liable?


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