Pvt bank trnsfrd salary to saving ac and fined

1. M/s HDFC Bank provides salary a/c, with NIL balance.

2. The T&C of the a/c are supplied with Welcome Kit.......................and maintained at website.............that would be claimed by the bank.

3. Ideally and by procedure also bank has to quote the T&C before a/c is opened e.g. communication to HR etc that has negotiated the a/c T&C and a circular supplied to all employees.

4. If no such condition was ever supplied to you and signed/accepted  by you then you may decline to pay and can even demand the certified copy of signed acceptance..........................however you are unlikely to get it.

5. The bank shall miantain that it has been sending reminders by normal/ordinary post.

If you had provided email id in bank a/c then you have another point to refute the allegations of the bank.

6. Until you get order from Bank or DCDRF this bank may debit amounts from any other a/c that you may have in future with this bank.

7. It shall be alwayys approrpiate to obtain certified copies of each and every document from bank and retain it, and close the a/c in writing under proepr acknowledgment.

Give a formal complaint to the Chairman of the Bank giving full details of your grieavance. If your grieavance is not redressed  to your satisfaction, file a complaint alongwith copy of your correspondence alongwith reply if any recived from the Bank. The Complaint is to be lodged with Banking Ombudsman. Banking Ombudsman sits in each Regional Office of RBI.  Make enquiries about the Regional Office concerned under which the Bank branch in question is situated and send the complaint to that office of the Banking Ombudsman. Details of how to complain,complaint form are available in the website of RBI 

BANKING OMBUDSMAN

https://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=159

If the Banking Ombudsman link is not working copy paste the URL noted above in your browser.

Open a New Account with a Nationalised Bank with an amount of Rs.1000/-(Rupees One thopusand Only) and find out the procedure to  get back the balance amount transferred to the New Account Represented by Nationalised.This procedure to protect the hard earned money to some extent....