i have my bank account with a private bank. before 3 year ago my mistakely or it was coincidence i had got 30,000 in my bank account from somewhere, although before this two days before my parents was deposited same amount in my bank account. i was withdraw this money when i was printing my passbook then i saw 30,000/- in my bank account then i was thought my parents might be deposited this amount. Both transaction no. was same. i was not withdraw this money. after 2 or 3 months i need some money again because of my study , i was getting taxation training from a institute. i withdrawl this money and same was submitted to institute as fees. i think i had given lot of thanks to my parents over the phone. after some days i went to my village i was surprised when my dad said that i have deposited amount but not 60,000 only i have deposited 30,000/- . that time i was so confused that what should i say to my parents and what should i do or dont ! I was also confused that why the bank did not take any action for the same. I return back to delhi after 3-4 days. Then I go to bank and I showed my passbook to cashier then he say its your money which was deposited form your hometown branch. I came back to my room I was so depressed. That time I had done nothing just was doing my work and doing study and class. I was also afraid if the bank blame on me that this fraud has done by me ! But after 2 year that banks are searching my and they had issued a non-bail warrant. They had also came to my rented house but I was left that house 1 year ago due to my job location Noida. Its my humble request to all please help me what should I do ? should I discuss with banks for settle that amount. But how can I do this because of they have issued non-bail warrant against me. I don’t know that what the next step will be taken by banks ! please suggest me …plzzzzz
28 September 2012
Arjun it is very sad news. But you make only one mistake is at the time of wrongly credited into your account you noticed immediately you have to report the branch manager through letter and had to deposit the such amount into the bank. Then bank will response and take necessary action how to correct the mistake by the bank. Eventhough you consult the cashier but he said it's deposited from your home town but you surly know additional Rs.30000 wrongly credited into your account so you have to notice to the manager about this mistake.There is no evidence about you consultation with the cashier and his reply so bank will treat you committed from fraud.
In this issue my suggestion is consult any Lawyer.
28 September 2012
Otherwise try to conviance the bank and explain them and offer them know the amount paying along with the interest according to the bank OD rate from such date of drawing of money. If they satisfied and agreed then okay otherwise you have to consult any good lawyer.
28 September 2012
if you have not withdrawn the excess money from bank, then nothing to get afraid, just be with branch and with your permission they will debit your account with the suspense money,
but if you have withdrawn the money then you have to repay the same with interest.
CAclubindia
