[Resolved]  Saraswat Bank — Operating of account

Address:

North Goa, Goa

The banker passed wrong entry and credited quarterly interest on deposited into my account. This happened regularly for two years. Being debit card user I did not notice the accumulation of amount. I was regularly withdrawing amount to the extend of salary deposited into the bank. One suddenly I realised that my account is almost nil. I took a monthly statement from ATM and I found that Rs. 72000/- has been withdrawn.The banker had transfer of full amount to rectify their error. No intimation of this transaction was given to me. The bank manager behaved as if Iam the culprit. This Happened a year back. In all Rs.1, 03, 000 were deposited in my account. According to the banker I have used Rs. 31000/- out of 103000/-. After several request and visits the details were given to me. If my intension was to enjoy others money I would have never accumulated Rs. 72000/- on my account.

I also hold car loan account in the same bank and for last 2 years, Iam paying loan installment in cash every month. ( I was jobless for 6 month but I manage to pay loan installment for 4 months and requested bank to lower my premium from Rs. 7500/- to Rs. 4000/-. The banker turn down my request and in reply said that I will be listed as defaulter. I took a loan on my Insurance policy and repaid all the pending installments.

For the month of June 14, the installment was paid in cash on 14th of July instead of 10th July 2014 and I received and SMS on 18th July saying my account is debited towards my loan account amounting to Rs. 7500/-on 18th July 2014 and the current balance in my account is Rs.6, 822/- .This was again the suprise. I think I had balance between 10, 000/- to 11, 000/- and Rs. 6822/- will not be the balance in my account.When checked with manager he wrote saying that I have only Rs. 752/- in my account.

The manager wrote :" visit my branch personally to resolve your issue which I could not do. The manager does not reply to my emails after that.

I do not know whether Iam dealing with right banker. I lost confident, I have decided to close relations with bank once my loan account is clear...I hope they don't play with my loan account and make poor man's life miserable.

I request the authority to please check the status and assure me the accuracy of my loan and saving account which are as under

My Name : Laxman Kambli
Bank Saraswat Bank
Branch : Panaji
Saving Account No. 7909
Loan account No. SL PUB 4336
My contact No.[protected]


Thanking You.

Lkambli