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Legal action against the bank authorities for not taking proper action
13-Nov-2023 (In Banking / Finance Law)
Hello, 2016 August, my SBI credit card was remotely used by someone, to withdraw cash from an ATM. But the card was with me and i was in my office. Receiving the sms alert i called he customer care and reported it and got my card blocked. They had promised to look into the matter and issued me a new card. But they have not done any concrete steps and now they are calling me repeatedly to bear the expenses of the transaction and the associated interest rate. I have repeatedly tried to explain to them that as i have not made the transaction, why are they forcing me to pay? And inspite of reporting at once, they are just pressing me to make the payment. Please advice.
You can file this matter in the District Consumer Forum. There are many banks who do the same thing and thus harass the customers. I am dealing with many such matters. Consumer forum might take some time but you will surely get the relief you want. All the best.
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Adv. Aditya Giri
Delhi | 25+ Answers
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Dear, you can file a complaint before the Banking Ombudsman in accordance with Banking Ombudsman Scheme, 2006. It is the most appropriate remedy in your case. It has been found be be quite effective in such cases. The Scheme can be accessed on the website of Reserve Bank of India.
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As it looks like your credit card was cloned by someone. It is important to register an FIR against an unknown imposter with your area police station and subsequent application may be filed with the consumer court against the bank, for their deficient service.
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Adv. Akshay Bhardwaj
Delhi | 25+ Answers
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Dear friend:
1.Along with making a call to the bank, you should have made a written complaint with the local police station / Cyber cell.
2. You should have also applied for CCTV footage of the ATM for that time & date.
3. It's seems some one from your office must have committed this mischief.
4. The bank is liable for any loss only after the date of your complaint & reporting of the fraud. Before this date, all claims & liabilities are of the customer only.
1.Along with making a call to the bank, you should have made a written complaint with the local police station / Cyber cell.
2. You should have also applied for CCTV footage of the ATM for that time & date.
3. It's seems some one from your office must have committed this mischief.
4. The bank is liable for any loss only after the date of your complaint & reporting of the fraud. Before this date, all claims & liabilities are of the customer only.
Helpful?
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Adv. Vijay Sahni
Delhi | 100+ Answers
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