[Resolved] Kotak Mahindra Bank — Cheque Bounce Charge without presenting Cheque to Bank | |
Dear Sir, I'm a bonafied user of Kotak Credit Card using the same and used to pay their dues always within due dates. As per stmnt dt: 20-NOV-09 I was supposed to pay Rs.431.00 within 7thDec2009. I paid the amount Rs.431.00 vide cheque no. 801387 dt 30-11-09 on Axis Bank, Kankurgachi Br. Kol-54. But unfortunately there was a clerical mistake as the amount was written as " Four hundred thirty only". I got an sms that " Your cheque has been dishonoured by your Bank". After geting the sms I paid Rs.431.00 in cash on 04-Dec-2009 (DUE DATE: 07-Dec-2009) in Kotak Mahindra Bank, Kolkata Main Branch, Park St. Kol. After that in next bill Kotak has charged me Rs. 500.00 as 'chq bounce fees' & Rs. 51.50 as STax. I oppose the Kotak Customer Care Exe Ms. Minakshi on this issue (Service Request No:[protected] dt:[protected], time: 5.30 pm) that the case was totally unethical as there was no such intention to make the payt dishonour as the payt made in cash immediately I had been reported and that is also within due date. After that I have investigate the case through my bank Axis Bank and enquired about the aforesaid cheque and came to know that the cheque was not yet presented to them and they have neither debited any Cheque Bounce Charge to my account nor presented any Chq Return Memo to me. Kotak has forwarded a memo which is seem to be a non-authentic one as the Bank Logo and the Axis Banks name is looking like Gumming and pasted on a readymade paper. I can show my bank statement proving that there was no such cheque bounce event occured. Now Kotak is continuously charging me the INTEREST and the figures became Rs643.71 even a successfull payt of their dues of Rs. 431. Would like to request you to pls study my CIBIL Records and kindly provide right judgement. Subhasish Pal 11, Girijendra Nath Chatterjee Lane, Panihati, Kolkata- 700114, W.B. Was this information helpful? | |
Aug 14, 2020 Complaint marked as Resolved | |
 2 Comments | |
Comments
I Regarding cheque bounce charges on ( Loan no. - CF[protected]
have visited your Branch ( Ambadeep Building, CP, New Delhi), I have met with one your agent regarding 11 cheque bounce charges (June & July month ) during Pandemic time when everything was closed because of lockdown ordered by govt of India when RBI has given then Moratorium scheme to customer for Mar'20 to May'20and June'20 to August'20 . And I have applied for that as well for individually every months and even Bank didn't not given alrert message.
yesterday Your agent told me that you have got Moratorium just for two months only (May'20 and August'20). And other was not accepted by bank as per RBI guidelinesas you already took in month may'20 so Kotak Mahindra didn't approved your June & July month Moratorium As per guidelines.
So as per guidelines it was for Mar'20 to may'20 . So if you have given the Moratorium May'20 then according to guidelines you had to given for May'20 to June'20 as well as per RBI guidelinesas, how can you say we were following RBI guidelinesas
After that RBI has given the Moratorium again June'20 to August'20 and you have just accepted August'20 how it's possible I have mailed you for Moratorium in month of June'20, july'20, and August'20.
So can you tell What happened with June & July'20 months moratorium mailed which I have sent you. Even I have record as well.
Govt. Of India has given the Moratorium scheme because of lockdown and pandemic situation because everything was closed so why didn't accept that moratorium before August'20 i have applied for June'20 and July''20 so why Bank didn't accept that why August even bank didn't follow RBI guidelinesas
"Kotak Mahindra Bank did fraud with me during lockdown period when everything was closed Kotak didn't accept my moratorium mail., Kotak Mahindra convert Pandemic situation into opportunities to earning money through cheque bounce charges and even Rescheduled the EMi". I'll not refer anyone to take loan from this bank if bank will not remove fake cheque bounce charges.
sachin
loan no- CF17063363
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have visited your Branch ( Ambadeep Building, CP, New Delhi), I have met with one your agent regarding 11 cheque bounce charges (June & July month ) during Pandemic time when everything was closed because of lockdown ordered by govt of India when RBI has given then Moratorium scheme to customer for Mar'20 to May'20and June'20 to August'20 . And I have applied for that as well for individually every months and even Bank didn't not given alrert message.
yesterday Your agent told me that you have got Moratorium just for two months only (May'20 and August'20). And other was not accepted by bank as per RBI guidelinesas you already took in month may'20 so Kotak Mahindra didn't approved your June & July month Moratorium As per guidelines.
So as per guidelines it was for Mar'20 to may'20 . So if you have given the Moratorium May'20 then according to guidelines you had to given for May'20 to June'20 as well as per RBI guidelinesas, how can you say we were following RBI guidelinesas
After that RBI has given the Moratorium again June'20 to August'20 and you have just accepted August'20 how it's possible I have mailed you for Moratorium in month of June'20, july'20, and August'20.
So can you tell What happened with June & July'20 months moratorium mailed which I have sent you. Even I have record as well.
Govt. Of India has given the Moratorium scheme because of lockdown and pandemic situation because everything was closed so why didn't accept that moratorium before August'20 i have applied for June'20 and July''20 so why Bank didn't accept that why August even bank didn't follow RBI guidelinesas
"Kotak Mahindra Bank did fraud with me during lockdown period when everything was closed Kotak didn't accept my moratorium mail., Kotak Mahindra convert Pandemic situation into opportunities to earning money through cheque bounce charges and even Rescheduled the EMi". I'll not refer anyone to take loan from this bank if bank will not remove fake cheque bounce charges.
sachin
loan no- CF17063363
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Axis Bank — Charged Unwantedly for Cheque return fee
hi,I am using the AXIS Bank Credit card. the card no is [protected]. In June, I dropped 29000 of Balance transfer cheque in AXIS bank. i dropped the cheque on 6th June. on 10the june, I received message that, your cheque was bounced. and again on the same cheque, they credited on 17 th june.
regarding this, they charged 330rs. on my account. i asked customer care, some people told that your cheque is bounced and another people told that you dropped Post-dated cheque.
Customer care people does not respond properly.
Regards
Suneel.