Need to initiate legal action against the bank for service deficiency

504 votes

You can either file a recovery suit in civil court or a consumer case before the consumer commission (state or national depending upon the amount of recovery) or you can file both simultaneously. You should definitely take immediate action against the bank and get your hard earned money back.

Advocate Rhea Luthra LawRato

716 votes

Hi Mr. Pradeep,

Yes you can file a consumer complaint against bank for deficiency of services.
Have you paid the said amount and emi's or are they pending? If so you shall reply them via legal notice and file a complaint against them

Feel free to contact,
Regards,
Madhav Nanda

Advocate Madhav Nanda LawRato

734 votes

Query perused. You may contact us for issuance of legal notice to the concerned officials of the bank. So far as sending of recovery agents is concerned we advise you to seek injunction for resorting to illegal and unlawful means. For further consultancy and legal services you may contact us.

Advocate Anubhav Kathuria LawRato

739 votes

You should first file a police complaint against them. Secondly you should file a complaint with consumer forum and thirdly you should file a complaint with ombudsman which will take a strict action against just mal practices.

Advocate Shreshth Jain LawRato

425 votes

  If you've experienced service deficiency by a bank in India and want to take legal action, you can file a complaint against the bank in the Consumer Court. Here's how you can initiate legal proceedings:

1. Gather Evidence: Collect all relevant documents, records, and evidence of the service deficiency you've experienced. This may include transaction records, correspondence with the bank, and any other proof of the issue.
2. Attempt Resolution: Before filing a complaint, try to resolve the issue by contacting the bank's customer service or grievance redressal mechanism. Document all communication during this process.
3. File a Complaint with the Bank: If the issue remains unresolved, file a written complaint with the bank. Request a complaint or reference number for future reference.
4. Contact RBI: If the bank does not respond satisfactorily or in a timely manner, you can escalate the matter to the Reserve Bank of India (RBI). Visit the RBI website to file a complaint online.
5. Consumer Court Complaint or Civil Suit for Recovery: If both the bank and RBI fail to resolve the issue, you can file a complaint in the Consumer Court or a recovery suit. You will need to prepare a detailed complaint outlining the service deficiency, the steps you've taken to resolve it, and the relief or compensation you are seeking.
6. Legal Representation: It's advisable to consult with a consumer rights lawyer or advocate experienced in consumer court matters or recovery matters. They can guide you through the legal process and help build a strong case.
7. Consumer Court Jurisdiction: Identify the appropriate jurisdiction of the Consumer Court where you should file your complaint. This depends on the location of the bank branch and your place of residence.
8. Hearing and Resolution: The Consumer Court will schedule a hearing, where both parties will present their case. If the court finds in your favor, it can order compensation or relief for the service deficiency.

Remember to keep copies of all documents and correspondence related to your complaint. It's crucial to follow the proper legal procedures to have your grievance addressed effectively. Please note that you can indeed take legal action against a bank for harassment or service-related issues by following the steps outlined above. Legal action is a recourse available to consumers to protect their rights and seek redressal for grievances.

Advocate Chikirsha Mohanty LawRato