I am residing in Oman and have an NRE SB account with SBI in Kerala. On 2011 October somebody taken Rs.50000/- from my account using a forged cheque. On investigation it is found that, the signature is very different from mine and the cheque was stolen from my bag, when I deposited the bag in a security counter of a shopping mall at Calicut, Kerala. The cheque lost in June 2011 and I was not aware of it. On december 2011 I came to kerala and complaint to the bank manager regarding this. He informed that they are given complaint to the Police. Police called me and I explained all the details . Since bank did not credited back the amount illegally deducted, I am approached Banking Ombudsman. But recently they informed me that the complaint is not maintainable, since it is under police enquiry. But in actual police is not doing anything and complaint was given by bank. (It is also came to know that, in the complaint , bank claiming that the cheque leaf is lost by me and losses regarding this is my responsibility)
On the reverse of the cheque , bank had collected the mobile number of the person who presented it in the bank. The phone is switched off after the this criminal act and I got the address of the mobile number owner from the mobile company. But the police telling that, they can not take him in custody, since it may be wrongly given and there is no CCTV footages available with the bank. Now bank is not responding to my e-mails. So please advice. What action I can take against the bank? Thanks in advance.
