[Resolved]  State Bank of India, RACPC, House Loan — Deduction of charges due to canceled cheques for the payment of EMI for the wrong quotation cheque by the bank

Sir/Madam,
I had raised this online complain last week. Though there was an SLA mentioned for the reversal time but till today I got no information.
I tried to call the Grievance Cell (Tel no :[protected],[protected] several times but only once they picked up the call saying that State Bank Of India has no responsibility to explain the reason that why a cheque (duely issued and signed) got returned even if I was having sufficient amount to encash the cheque in my drawee bank's a/c and they also instructed to follow me up with the drawee bank that is the ICICI bank in this case.
Accordingly I asked ICICI Bank for the reason and also raised a complain in the Core Center.
As per their mail below we can see there was no fault of the ICICI bank in returning the cheque.
As payment of installments against the Loan A/c # is[protected], Branch: RACPC, KOLKATA., I use to submit duely signed A/c payee cheques in advance to RACPC. The RACPC persons use to put the dates in the cheque and submit them as per the due date each month. This practise is going on till last two years after the discussion and agreement with the RACPC officials.Last month (March 2009) RACPC submitted the cheque without filling in the date as a result the cheque got returned.
ICICI bank charged me Rs 55, surprisingly SBI RACPC also charged me Rs 75 and further they submitted the same cheque again in the latter part of the month and it got encashed.
Now please tell me whose fault is this? Am I, as an A/c holder responsible at all or the dependence on the RACPC officials to put the dates as per their convinience is my mistake.
Being an existing customer of State Bank Of India in different businesses (like car loan,
PPF A/c, Savings Bank A/c, House Loan) I am really getting frustrated with the anxiety and harassment.

I am thankful to dgm.[protected]@sbi.co.in. I got copy of several instruction mails to Kolkata LHO, but till today no action or even an acknowledgement mail has been sent to me from Kolkata office.

This type of responsibility is really not expected from the largest and most reliable bank of India.
I hope the matter will be considered quicky and fairly.
Please find below the details of all the mails and interactions with state bank of india so far.
Regards,
Shiladitya Bose.


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Mail interactions with State Bank Of India
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--- On Tue, 23/6/09, dgm.[protected]@sbi.co.in <dgm.[protected]@sbi.co.in> wrote:

From: dgm.[protected]@sbi.co.in <dgm.[protected]@sbi.co.in>
Subject: Fw: Re: Fw: Re: Fw: Complaint #: CC[protected]
To: pstocgm.[protected]@sbi.co.in
Cc: shiladitya.[protected]@yahoo.co.in
Date: Tuesday, 23 June, 2009, 5:49 PM
Kolkata LHO
Please attend to the grievance forwarded. It relates to your RACPC KOLKATA Branch. The customer may be advised of the steps taken for redress. Please advise us when the grievance is redressed.
DGM, Customer Service
Corporate Centre, Mumbai
-----Forwarded by DGM CUSTOMER SERVICE CORPORATE CENTRE MUMBAI/CORP/SBI/SBG on 06/23/2009 05:48PM -----
To: dgm.[protected]@sbi.co.in
From: shiladitya bose <shiladitya.[protected]@yahoo.co.in>
Date: 06/22/2009 12:38PM
cc: chairmansbi.[protected]@sbi.co.in, sbihelpline.[protected]@sbi.co.in
Subject: Re: Fw: Re: Fw: Complaint #: CC[protected]
Sir/Madam,
I am sorry to say though a long time has been passed, but still no update sent to me regarding this problem.
Also I am facing some confusions with my other loan a/cs with State Bank Of India but nobody is proving me the details or helping to sort out the issues.
I will be grateful if you kindly consider this matter seriously and help to solve out the issue.
Waiting for your kind and hopeful attention.
Regards,
Shiladitya Bose.
M:[protected]

--- On Tue, 28/4/09, dgm.[protected]@sbi.co.in <dgm.[protected]@sbi.co.in> wrote:

From: dgm.[protected]@sbi.co.in <dgm.[protected]@sbi..co.in>
Subject: Fw: Re: Fw: Complaint #: CC[protected]
To: sbihelpline.[protected]@sbi.co.in
Cc: shiladitya.[protected]@yahoo.co.in
Date: Tuesday, 28 April, 2009, 3:03 PM
LHO Kolkata
The mail was forwarded earlier also. It appears that the grievance of the customer has not been redressed ..Please look into the matter again and arrange for immediate redressal of the customer's grievance under confirmation to the Corporate Centre.

DGM, Customer Services,
Corporate centre, Mumbai

-----Forwarded by DGM CUSTOMER SERVICE CORPORATE CENTRE MUMBAI/CORP/SBI/SBG on 04/28/2009 03:04PM -----
To: dgm.[protected]@sbi.co.in
From: shiladitya bose <shiladitya.[protected]@yahoo.co.in>
Date: 04/27/2009 08:18PM
cc: chairmansbi.[protected]@sbi.co.in, sbihelpline.[protected]@sbi.co.in
Subject: Re: Fw: Complaint #: CC[protected]
Sir/Madam,
I got no update about the matter after your mail.
Being a loyal customer of State Bank Of India I am earnestly requesting you to solve the issue.
My concern is that the same incident happened two times with me and it may be repeated in future.
Hope to get your kind cooperation regarding this problem.
Regards,
Shiladitya Bose

--- On Sat, 4/4/09, dgm.[protected]@sbi.co.in <dgm.[protected]@sbi.co.in> wrote:

From: dgm.[protected]@sbi.co.in <dgm.[protected]@sbi..co.in>
Subject: Fw: Complaint #: CC[protected]
To: sbihelpline..[protected]@sbi.co.in
Date: Saturday, 4 April, 2009, 9:27 AM
Kolkata LHO
Please attend to the grievance forwarded. It relates to your RACPC KOLKATA Branch. The customer may be advised of the steps taken for redress. Please advise us when the grievance is redressed.
DGM, Customer Service
Corporate Centre, Mumbai
-----Forwarded by DGM CUSTOMER SERVICE CORPORATE CENTRE MUMBAI/CORP/SBI/SBG on 04/04/2009 10:28AM -----
To: sbihelpline.[protected]@sbi.co.in
From: shiladitya bose <shiladitya.[protected]@yahoo.co.in>
Date: 04/02/2009 12:53PM
cc: dgm.[protected]@sbi.co.in, chairmansbi.[protected]@sbi.co.in
Subject: Complaint #: CC[protected]
Hi,
I had raised this online complain last week. Though there was an SLA mentioned for the reversal time but till today I got no information.
I tried to call the Grievance Cell (Tel no :[protected],[protected] several times but only once they picked up the call saying that State Bank Of India has no responsibility to explain the reason that why a cheque (duely issued and signed) got returned even if I was having sufficient amount to encash the cheque in my drawee bank's a/c and they also instructed to follow me up with the drawee bank that is the ICICI bank in this case.
Accordingly I asked ICICI Bank for the reason and also raised a complain in the Core Center.
As per their mail below we can see there was no fault of the ICICI bank in returning the cheque.
As payment of installments against the Loan A/c # is[protected], Branch: RACPC, KOLKATA., I use to submit duely signed A/c payee cheques in advance to RACPC. The RACPC persons use to put the dates in the cheque and submit them as per the due date each month. This practise is going on till last two years after the discussion and agreement with the RACPC officials.Last month (March 2009) RACPC submitted the cheque without filling in the date as a result the cheque got returned.
ICICI bank charged me Rs 55, surprisingly SBI RACPC also charged me Rs 75 and further they submitted the same cheque again in the latter part of the month and it got encashed.
Now please tell me whose fault is this? Am I, as an A/c holder responsible at all or the dependence on the RACPC officials to put the dates as per their convinience is my mistake.
Being an existing customer of State Bank Of India in different businesses (like car loan,
PPF A/c, Savings Bank A/c, House Loan) I am really getting frustrated with the anxiety and harassment I need to suffer due to this incident.
I hope the matter will be considered quicky and fairly.
Regards,
Shiladitya Bose.


--- On Sat, 28/3/09, Head Service Quality <[protected]@ICICIBANK.COM> wrote:

From: Head Service Quality <[protected]@ICICIBANK...COM>
Subject: RE:'ICICICARE=[protected]'
To: "shiladitya.[protected]@yahoo.co.in" <shiladitya.[protected]@yahoo.co.in>
Date: Saturday, 28 March, 2009, 6:30 PM
Dear Mr. Bose,

We refer to your complaint to CORE center regarding a cheque return on March 7, 2009.

Please note the following:

1. Cheque number: 429098 was returned by bank on March 7, 2009 due to the reason "Date Required, " which means the date was not mentioned on the cheque while depositing.

2. The SMS sent on your mobile was "Cheque No... 429098 for INR 9782 issued from your Ac.XXXXXX507886 has been dishonored on 07 Mar, " which did not say anything about insufficient funds.

3. As the cheque was correctly returned, cheque return charges in this case of Rs. 55.00 has been debited from your account on March 7, 2009.

We understand that this explanation clarifies the concerns raised by you.

Assuring you of our best services at all times.

Sincerely,

Trimurthy . A
Office of Head Service Quality