Lender bank is refusing follow due legal process for document return

839 votes

Hello Sir/Mam There are Various Legal Remedies to deal with it . Rest depends on matter. You can Contact Me over phone call for further assistance or advice. Thank You Regards Advocate Kuber Hooda

Advocate Kuber Hooda LawRato

661 votes

Legal Remedies for Lost Original Sale/Conveyance Deed by SBI If SBI has lost/misplaced your original sale/conveyance deed, you have strong legal grounds to demand proper rectification. Since you have already repaid the loan in 2015, the bank was responsible for safely returning your documents. Steps to Take Against SBI: Send a Legal Notice to SBI Draft a legal notice through an advocate, demanding: A certified copy of the lost deed. A public notice in newspapers stating the document loss. A court affidavit and indemnity bond ensuring no liability for you. File a Written Complaint with the Banking Ombudsman If SBI does not respond, file a complaint with the Banking Ombudsman (RBI’s grievance redressal authority). This can be done online at RBI Banking Ombudsman Portal. File a Consumer Complaint Since this is a clear case of deficiency in service, file a complaint before the Consumer Disputes Redressal Commission (Consumer Court). Seek compensation for negligence, mental harassment, and legal costs. File an RTI with SBI File a Right to Information (RTI) request with SBI asking for: Internal records regarding your document's handling. Copies of policies regarding lost customer documents. Reasons for refusing an indemnity bond or court affidavit. File a Writ Petition in High Court (If Needed) If SBI still does not comply, approach the High Court through a writ petition (Mandamus) to direct SBI to issue necessary documents. What SBI Should Provide You A Certified Copy of the sale deed from the Sub-Registrar. A Court Affidavit confirming document loss. An Indemnity Bond stating SBI’s responsibility for future claims. A Public Notice in newspapers declaring the document lost. Conclusion SBI’s refusal is unjustified, and you have strong legal remedies. Start with a legal notice and escalate to Banking Ombudsman/Consumer Court if needed. If you need, I can help draft a legal notice or consumer complaint for this case.

Advocate Mahinder Singh LawRato