CA.Arwinder Singh (CA) (50 Points)
12 April 2011Dear Friends,
One of the pvt. sector banks returned cheque amount of Rs.15000.00 with a reason "Insufficents Funs" even of Sufficents fund in account. Chq. is for Mutual Funds u/s 80C and given on 30.03.2011.Please someone sugest to whom I can complaint whether in consumer court or to other and HOW? and how much we can claim damages in such case?
Sanjeev Sandh
(Senior Manager - Audit)
(309 Points)
Replied 01 May 2011
Every bank has appointed a Banking Ombudsman (RBI regulatiosn). Go to this bank's Ombudsman. His whereabouts will be given to you by the bank itself. If they do natak in revealing the name and adress of their Ombudsman, then you must tell them that you will complain to RBI directly.
Secondly, if your cheque is wrongly returned for "insufficient funds", then you must definitely complain because now everybody's credit history is available at CIBIL (Credit Information Bureau of India Limited). In your CIBIL history if this "cheque bouncing" gets recorded, then your credit history will be badly damaged due to no fault of yours. And. credit history is very important for anyone.
rosey
(cs)
(21 Points)
Replied 30 June 2011
i've appeared for cs professional in june 2011,result awaited.
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will ny1 help me?
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