[Resolved]  PNB — PNB Complaint:PNB manager harrasing us and recovered our 2 lac rupees

Address:

Ambala, Haryana

PNB manager harrasing us and recovered our 2 lac rupees

Respected Seniors/Sir/madam,

My name is Mukesh Sachdeva and my father Mr. Varinder Sachdeva wrote a letter to The Regional Manager, PNB Bank, Chandigarh and The Branch Manager,DAV College branch, Jagadhri Gate,PNB Bank,Ambala City on 18th march, 2011 on behalf of my grand mother Smt. Raj Rani Sachdeva. He wrote in that letter about his mother Smt. Raj Rani Sachdeva's pension account.Her PNB account number is [protected].She had been getting pension Ex -Gratia from Northern Railway of Rs 605 as B.P. + 182 as D.A. before 1/1/2006 and pension of Rs. 4382 from January, 2006 till August, 2010 and Rs. 4200 from September, 2010 till December, 2010. Then PNB froze her account in Jan 2011. PNB recovered the sum of Rs 3,323, Rs1, 18,000 and Rs 71,548 on 08/01/2011, 17/01/2011 and 22/02/2011 respectively. According to PNB, she was paid almost Rs. 3595 per month in excess since January, 2006. It is hard for us to accept the fact that bank made such an enormous mistake month after month for almost five full years. Bank started making payment in the amount of Rs. 4382 from September, 2008 and paid arrears from January, 2006 till August, 2008. In that letter we requested them to provide the letter from Railway pension department which led PNB to pay her Rs. 4382 starting January, 2006 and then revert back to Rs. 787 starting January, 2011.



I also wrote a letter on 18th march, 2011 to CAO Northern Railway on behalf of my grand mother Smt. Raj Rani Sachdeva. In that letter I wrote that She had been getting pension Ex -Gratia Rs 605 as B.P. + 182 as D.A. before 1/1/2006 and in the sum of Rs. 4382 per month from Punjab National Bank, DAV College, Ambala City from January, 2006 till August, 2010. From September, 2010 till December, 2010 PNB reduced her pension amount to Rs. 4200 per month. In January, 2011 PNB froze her account because of excess pension paid. It is hard to accept the fact that bank made such an enormous mistake. We never received any letter from Pension Department about her actual pension amount after Jan 2006.In that letter I requested them to please advise us whether it is to be revised w.e.f. 1/1/2006 and at which rate or what amount to be paid and please write us and PNB about her revised pension amount. As per 6th Pay commission no instruction has been issued to us.

The pension department did not respond to our letter.


My grand mother is an elderly widow. She has been saving money for the surgery of her kidney stones. She has multiple health issues and she frequently visits doctors for arthritis of her knees and shoulders. Recently she got sick with pneumonia and she was in hospital for about a week. When we came to withdraw money from bank, we were refused the payment. Moreover, when we tried to cash joint FD in the amount of Rs. 71,548 drawn in favor of my father and my grand mother, we were misguided and told that FD could not be cashed and made us deposit that FD into my grand mother's pension account and after depositing that FD into her account they recovered the whole amount on the same day without even letting us know the balance recovery amount. Moreover, when they recovered the whole amount (and her account was almost nil), the bank manager was not even interested in listening to us and said he is very busy and if we need any help in that matter we can opt for legal option. That FD had nothing to do with my grand mother's account and whether bank had any right to deposit that FD into my grand mother's account. We trusted their bank and they took our money which was saved for the rainy day.

We requested them (PNB) to send us a proof of her actual pension amount, the above said FD be cashed and my grand mother's account be reinstated with full balance. Even if the bank made an error, does the bank unilaterally hold the right to decide to freeze her account and leave my elderly grand mother with no money she was depending on so heavily?

The PNB did not respond to our letter till now.Then on 5th May, 2011 we decided to get the information from PNB under RTI Act. My Grand mother wrote a letter under RTI Act to Public Information officer, Punjab National Bank, DAV College Branch, Ambala City asking them to provide us


a) the certified copy of F.D.R. amounting to Rs.71, 548 which was transferred in account of Smt.Raj Rani Sachdeva on[protected] with full particulars since the FDR was initially registerd and any document attached with the same. The said F.D.R. was in the joint name of Raj Rani Sachdeva & Varinder Sachdeva.


b) And on what ground that FDR was transferred to above said account no.

c) To provide the status and supply the copy of letter which Mr. Varinder Sachdeva wrote to PNB Branch manager, DAV college Branch Ambala city.

d) certified copies of letter/circulars issued by Northern Railway (pension Department) or concerned department which led PNB to pay Rs. 4382/- starting January,2006 August, 2010 and Rs. 4200 from
September, 2010 till December, 2010 and then revert back to Rs. 787/-starting January, 2011 i.e. the pension to the applicant, as the P.P.O number of the applicant is NR/89/3355 dated 1.5.1989(Raj Rani Sachdeva widow of Dharam Pal Sachdeva DOB[protected].


Then on[protected] we received the reply from PNB. In which they replied that they are not authorized to provide the information under RTI act and we might get the information from their CPI officer.They also returned our application.


My grand mother sent that RTI application on 5th May, 2011 to public information officer to provide information pertaining to her PNB account which was returned by PNB Manager, DAV College Branch, Ambala City stating that they were not authorized to provide information under RTI act whereas we come to know that all the branches have been authorized to receive application under Right to information act, 2005 and forward to the concerned CPIO for final disposal.


Please help us in reinstating my grand mother's Punjab national bank account.On 4th June, 2011, PNB branch manager, D AV College Branch, A/city refused to provide us the acknowledgment or refusal of RTI letter which my grandmother wrote to Central Public information officer and he refused to receive that application whereas we come to know that all the branches have been authorized to receive application under Right to information act, 2005 and forward to the concerned CPIO for final disposal. Even he talked very harsh to us in front of two persons. I again request you to please help us how we can get our money back from PNB.My grandmother is very old and sick lady.She can not even walk without walker. She saved that money for rainy days.Now she needs that money for her health reasons which PNB recovered without giving us a notice.


Now, My grand mother has sent that RTI application on 4th June, 2011 to central public information officer, PNB House, sector 17-B, Chandigarh to provide information pertaining to her PNB account and we have not got any response till now.So I request you to please guide me in initiating the next step.


I request you to please help me in cashing that FD and reinstating my grand mother's account.Please guide me how can we get back our money from PNB. I shall be thankful to you for this.


Thanking you in advance,


Mukesh Sachdeva (ermukesh009 at gmail dot com)