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?