Canara Bank Mahim & Borivali Branch — Refusal to Pay the the Cheque amount despite adequate Cash availability in the A/c.

Address:

Mumbai City, Maharashtra

From:
R. Kamath, 4/6, Moti Nagar, Opp.Rly. Station. Mumbai 400 016
To Consumer Court Mumbai,
Sub.: - The Credited amount in the Canara Bank, Mahim, Mumbai 400 016, as per the confirmation of pass book, of A/c. Nr. 11246, but refused to pay out the Sum of drawn Cheque Nr. 889356 on 5th Mar. 2013 Rs 15,050.
Dear Sir,
I hereby raise a Complaint against the Canara Bank Mahim Branch, as well as Borivili Branch. For refusal to pay out a sum of Rs 15, 050, despite the fact per Cheque of ICICI Bank a sum of 28,513, 96 Rs. Credited on 28th February. 2013. after a delay of 4 days Credited in my A/c. on 4th March. 2013.
Under the present banking rules, any Cheque Bounced back, than, not only A/c. holder is penalized but Criminal Procedure can also be instituted. . Besides a reputed Bank A/c by ICICI in itself is a guarantee of Payment to the Bearer drawn on the Person. As such there was no ground to refuse to pay out the sum on the Cheque amount of Rs. 15,050 . In addition the Pass book of Canara banks, ENTRY on 05, 03, 2013 updating showed, that, the Cheque amount of Rs., 28, 513/- was realized and credited to the A/c Nr, 11246, of Mr & Mrs. R. Kamath. As such in, no way, or any doubtful grounds, to refusal of payment from Canara Bank Borivili branch. Where the Cheque for Rs. 15,050 was presented for encashment.
I R. Kamath, a Senior Retierd person, in addition being physically handicapped, forced to climb to 1st floor, of Canara Bank, Borivili Br. as No lift has been provided. Despite the Government of India’s Rules and regulation made in 1988. That, too a Indian Governments Bank. The Housing law for Physically Handicapped extra promulgated, to protect the physically handicapped persons. Thus resulting my Broncial problems started within the bank. I was forced to remain the Canara bank, Borivili Branch, from 11,00 Hrs. to 14,00, till the Confirmation for refusal of Payment of my cheque.
In addition, as per the insider information, that, a Hierarchical system in the Banking Circles, has been developed, for clearing the Cheques, and delay the payment to clients. So as to use the amount for their other Business investments. Alone delaying for 4 days, from 28th Feb 2013, on Depositing the Cheque in my A/c Nr, 11246, of Canara bank Mahim, according to financial experts can raise an interest of 2.5 – 4%. X 4 days. On the other hand suppress the clients, as they are HELPLESS, and for the small sum cannot get the redressed as cost of Advocate and Court cost cannot be invested.
As such my appeal to the Court is that, the “HIEARCHIAL STRUCTURES”, to be abolished and on the same day within 2 hrs. Credited, Cheque amount that deposited, be updated in the A/c, books. Thus made fluent, to make use from the client. Due to the very fact, India is rich in COMPUTER technology, and adequate personnel available such Programmed to develop, which not only Scans, but immediately the amount transferred to the Payees A/c. within few Minuit, This system is in practice in Western Country. I am also holding A/c, in GERMANY, where, on Monday, if I had deposited a Cheque of €uro 1000/- @ 08, 00 Hrs. after 2 hrs, i.e. 10 Hrs. I can withdraw the stipulated sum, and without any Interest there on to pay. The system has been implemented ever since the Computer Technology has been progressed and enables the Clients to give the opportunity in full respect to their A/c Services.
Where as in India, despite the amply available Computer Techies. The services from Banks have gone from Bad to Worst.
Under the Circumstance, I prey the Court, to Redress the losses thus occurred from the Bank Hierarchy, & suppression to Bank Clients, and Refusal to pay the Cheque amount, on the very fact my own money credited in the Bank existed. In addition a compensation for a Physically handicapped person, to climb One storied House, without any Lift facility, though the law for Handicapped, Existed and known to the Banks. Besides, from 11 hrs. to 14 Hrs. to wait for obtaining a Written statement of Refusal to pay out the Cheque amount.on 05th Mar. 2013. Last but not least, Pre, and post, Mental Torture by Non/Payment of the Cheque, My personal commitment to pay out to 3rd party, on the same day of 5th March,2013, Health hazard to pass throughout the day. An additional sum of Compensation to be considered against the Canara bank Mahim, and Borivili Branch of Mumbai.
I look forward to your valued order against the Canarabank Mahim and Borivili Branch, for their misdeeds and harassment to physically handicapped Person, a Senior Citizen.
Thanking you
Cordially yours,
R. Kamath,
[protected]@yahoo.co.in
Enclosed: Copy of the above mentioned, Cheques, Pass book of Canara bank Mahim Branch, Refused Cheques facsimile., and the Canara bank Borivili Managers statement of refusal to pay out the amount of Cheque.

1)
On 28th FEB. 2013 A Cheque Drawn on ICICI Bank for Rs, 28, 513, 96 was deposited in the A/c. of Canarabank Mahim Branch, for A/c. Nr.11246,
2) On 4th March the said amount was credited, as per the updated Pass book of Canarabank Mahim Branch A/c. 11246.

On 4thMarch Credited in Pass book.
On 5th March an amount of Rs, 15, 050, wanted to withdraw, but refused to pay out from Borivili Branch, as the amount is not credited. to the A/c. but refused even to give a statement & reasons, when the passbook has credited, and shows the amount in the A/c.
After 2 and half hours rigorous Debate, endorsed on the back side of my Cheque the confirmation of Non-Payment of the amount in my drawn Cheque.