Kevin Moses Paul
13 August 2021
As per the situation you've explained above, it's easy to determine that you're a victim who has been continuously targeted by the bank for a violation that was never done from your part. Since, you've already talked to the manager of the bank and presented the relevant documents before him it's very inappropriate that the manager still didn't responded to it responsibly. It's an act of harassment as such things are continuously troubling you mentally.
As a matter of fact, all you're documents are just and the notice of the bank can be challenged in a competent court. However, since the bank staff isn't listening to your grievance it's important to come up with a counter notice from a competent attorney/advocate.
You should engage in with a competent attorney/advocate for the matter and can sent a legal notice regarding the matter along with a copy of relevant documents attached to it, such that you're initial process (i.e. responding to the notice) takes place.
Moreover, you're supposed to take the matter before DRT (i.e. Debt Recovery Tribunal).In case you've heard the term 'DRT' for the first time, allow me to give a brief introduction to you.
Basically DRT or Debt Recovery Tribunals were created to facilitate the speedy recovery of debt payable to banks and other financial institutions by their customers. DRTs was set up after the passing of Recovery of Debts due to Banks and Financial Institutions Act (RDBBFI), 1993. In addition to this, a person or entity aggrieved by orders of the DRT can appeal against its orders to Debt Recovery Appellate Tribunal (DRAT).
A competent and prudent lawyer/attorney/advocate would be able to challenge the bank for their inconsistent actions that have been bothering you for a while now.
Moreover, you can take necessary steps and approach a Banking Ombudsman. Banking Ombudsman is a senior official appointed by the Reserve Bank of India to redress customer complaints against deficiency in certain banking services covered under the grounds of complaint specified under Clause 8 of the Banking Ombudsman Scheme 2006 (As amended upto July 1, 2017).
There are several legal measures such as those listed above which you can use (being the aggrieved party) in order to seek justice. Hiring a good lawyer can get you out of thus, it's very crucial that you approach a lawyer for the same.
Most probably, a simple legal notice (that I've mentioned above) would tend to stop the banking officials to suppress you any further.
I hope it helps!
Regards
Kevin M. Paul
