[Resolved]  West Bengal State Electricity Distribution Company [WBSEDCL] — Wrongful return of cheque causing immense harassment to myself PRABIR DASGUPTA ID No.[protected]

Address:

Kolkata, West Bengal

The Superintendant 28/12/2014 Garia Customer Care Centre West Bengal State Electricity Distribution Centre Limited Hindustan More Garia Main Road Kolkata: 700084 Dear Sir, Re ;- Wrongful return of cheque causing immense harassment to myself, PRABIR DASGUPTA ID No. [protected] South Kumrakhali, P.O. Narendrapur, 24 Parganas (South). With reference to the above I like to mention that I have deposited my cheque No. 277450 Dt. 13/11/2014 for Rs.3856/- (Being the payable billed amount) drawn on United Bank of India, Narendrapur Branch, at your office on 13/11/2014. Suddenly on 12/12/2014 your office informed me over phone that my cheque has been returned and I have to deposit Rs. 4060/-(Four thousand sixty only) in cash to avoid disconnection. I rushed to your office immediately and deposited the said amount in cash to avoid such undesirable situation. I was given my cheque back along with a return memo signed by Axis Bank showing the reason “ Funds Insufficient “ To my utter surprise I just cannot understand why and how the cheque has been returned when I have maintained sufficient balance in my account and the return memo has been signed not by the Drawee Bank Branch, i.e, United Bank OF India, Narendrapur, but by Axis Bank. It is a puzzle to me how a return memo can be prepared without apparently non-presentation to the original drawee Bank. It will not be out of context to inform you that I have made the bill payment through cheque for near about two decades and never has such incident occurred in my life .Being a retired Bank Executive I know the actual and legal consequences for a dishonor of cheque on account of “insufficiency of fund “.For your further information there was available balance of more than Rs. 40000/- in the account during the whole month of November, 2014. I hereby enclose a letter from United Bank of India, Narendrapur—that will speak for it. I also enclose photocopies of a) the bill, b) the cheque, c)the cheque return memo, d)two cash deposit receipt No.[protected] for Rs. 3960/- and receipt No.[protected] for Rs. 100/- (Total amount Rs. 4060/- Four thousand sixty only ) The whole matter is not only unfortunate, but also has landed me in total disgrace and humiliation as follow:- 1) The incident has questioned my bonafide, goodwill and reputation. Moreover, as a senior citizen I think I have been subject to immense harassment without any fault of mine. 2) In effect and as a result, I have been unnecessarily forced to pay Rs. 204/- (Two hundred four) extra as fine and disconnection and reconnection charges. 3) A restriction has been imposed upon me barring my use of cheque payment of bill for one year onwards ---which I consider to be an undue punishment and infringement of my right as a customer. Under the circumstances, I would request you to please enquire into the matter, fix up the responsibility (me or United Bank of India or Axis Bank ---whoever it may be) and inform me of your findings citing your steps to ameliorate my above three grievances. Hope to be favoured with an early reply so that a senior citizen like me is not subject to further harassment of knocking at the door of some other higher authority seeking justice. Thanking You Yours faithfully, ……………………………….. (PRABIR DASGUPTA) Telephone No:[protected]