Bank Of Baroda — Bank of baroda, shivaji park branch, account no: [protected] wrongly charging rs.288/- as cheque return charges

Muvie

from Mumbai, Maharashtra

Address:	Mumbai City, Maharashtra, 400016
Website:	Consumer Complaints

I, shri merwyn richard viegas, having the above savings bank account with bank of baroda. On 15.03.2017 i have given one cheque to punjab and maharashtra national bank for fixed deposit purpose for rs.9, 40, 000/-. The requisite amount was in my savings bank account. However the bank cleared the cheque and debited the amount and subsequently credited the amount stating 'account blocked'. When i enquired, i was informed that kyc is not done. However to my utter surprise i observed that in my savings bank pass book rs.288/- was dedected stating charges for the above transaction.

I would like to inform you that in the first instant the bank did not send me a letter or any intimation for submitting the kyc details. Had they submitted the letter, i would have followed the instructions. Moreover inspite of having the amount in the bank, they have just returend the cheque and lapses for kyc were not on our part since they have not intimated us.

In view of the above you are requested to credit the amount of rs.288/-in my account mentioned above.

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Bank of Baroda customer support has been notified about the posted complaint.

Jun 11, 2017

Updated by Muvie On 31.05.2017, i deposited a cheque no. 669053 for rs.975994.29 drawn on hdfc bank. The said cheque was deposited in my account no: [protected] and the requisite amount was credited on 02.06.2017. Subsequently on the same i also deposited a cheque no. 669052 for rs.2732893.08 drawn on hdfc bank. The said cheque was deposited in account no: [protected] in andheri west branch of bank of baroda. Both cheques were deposited in andheri west branch of bank of baroda. However the said amount was not credited on 02.06.2017 even though both cheques were of the same branches and the person who has issued the cheques was the same person.

When i enquired with bank of baroda at andheri west branch, sv road where i deposited the cheque, the officer told me that there was technical mistakes on their part and the cheque is received back. However again they deposited the cheque on 06.06.2017 and i received the credit to the above amount of rs.2732893.08 on 08.06.2017.

When the customer is at fault, banks charge in various ways such as cheque returned charges, cheque dishonoured charges, sms charges, internet banking charges, but when bank is at fault, bank should also pay the loss caused to the account holder who is their customer on account of their lapses and negligence. Secondly i had to issue the cheque urgently to a person who i had to pay money and therefore could not pay his dues on time. I had to pay him interest for no fault of mine. Had the cheque cleared in time, i could have easily issued the cheque, saving me from the interest.

In view of the above, it is requested to pay interest from 02.06.2017 to 08.06.2017 i. E. For 6 days on rs.2732893.08 failing which the matter will be taken to banks ombudsman