State Bank Of India [SBI] — Complaint for reversal of wrong NEFT amounting to Rs. 60,000/-

Address:

Mumbai City, Maharashtra, 400080

Respected Madam,

I, the undersigned, am a dental surgeon practicing at Thane Maharashtra and also engaged in social work like free Dental health checkup camp and free medical facility to poor and needy.

I have an account with Kotak Mahindra Bank, Naupada branch Thane. Details of which are as under:

Dr. Disha Nighot. A/c [protected]
Branch Name- kotak Mahindra, Naupada, Thane W
Ifsc Code- KKBK000655

i would like to share an unfortunate NEFT transaction carried out by me inadvertently. The transactions were carried through my above account to an account at your SBI Sarai Khawaja Branch in the name of Shiv Shakti Finance Solution with account no. [protected]

The details of transactions which are to be considered are as follows:-

[protected], 500/- KKBKH[protected]
[protected], 000/- KKBKH[protected]
27-05-16. 28, 500/- KKBKH[protected]

The transactions were made by mistake as I did not go through the details properly. I am a dentist and the funds had to be sent to my laboratory named Shiv Shakti Dental Solutions. The Shiv Shakti Finance Solutions bank details were lying in my inbox as they wanted me to deposit an amount of 1500 to be a part of their loan plan. In a bit of hurry I typed shiv shakti in my messaging search box and quickly entered shiv shakti finance solutions details. It was unfortunate that i did not realise it was finance and not dental and that it could be another account and I added them as beneficiary. However after paying the entire amount of 60000/- in three installments as above which i owed to Shiv Shakti Dental Solutions, I called them to confirm the receipt of that amount on which they said they had not received any amount. On realisation of my mistake, I called Shiv Shakti Finance Solutions on Mobile No.[protected] the details of which were available in my inbox. The Finance Company asked me to join their loan plan but since I was not interested, I asked them to revert the inadvertently transfered money to my account. After that I tried contacting them on several occasions but they had stopped responding to my calls and now the number is not reachable at all. Immediately, I personally visited SBI, Vashi branch on[protected] and requested them to hold the entire amount remitted by me as the funds put by me were not withdrawn. I felt that the finance company is fraund and not a genuine company since they did not respond to my calls neither did they approach the bank after their account was put on hold.

I sent e-mails dated 31/05/2016 and[protected] requesting your SARAI KHAWAJA, FARIDABAD BRANCH to reverse the entire amount.
In the process the Branch had asked me to submit an unconditional Indemnity Bond from my Bankers i e Kotak Mahindra Bank Ltd in favor of SBI indemnifying unconditionally all the referred amount along with cost and charges which Kotak Mahindra Bank Ltd did on 27/07/2016(a copy of the same indemnity letter is enclosed herewith for your ready reference).

Inspite of my bankers sending several mails, reminders, telephonic calls, indemnity letter for recall of the NEFT amount, to my surprise, Mr. Prabudh Kumar, Branch Manager at SARAI KHAWAJA BRANCH sent a one line denail mail to our request. On Phone the Branch Manager said the customer is not available at the address recorded with bank and that i should go legally for getting the reversal done. As such it shows that the Shiv Shakti Finance company is not a genuine account holder andI am afraid the amount may be withdrawn by the fraudulent customer.

In light of the above, since the branch has not considered my request for reversal of my lawful amount, for the reasons best known to him/them, i request you to kindly intervene and instruct the SARAI KHAWAJA branch to remit the entire amount of INR 60, 000/- with interest, from the date of my reporting the matter to them i.e[protected].

I would like to reiterate once again that i am a dental surgeon practicing at Thane Maharashtra and also engaged in social work like free Dental health checkup camp and free medical facility to poor and needy. I am also in process of formation of a trust for stray dogs. As such I need this money to pay for medicines/equipment needed for the noble cause.

I am approaching you as every effort of mine has failed to convince the branch to get my hard-earned money back.

Thanking you in anticipation of a favourable award.

With Regards,

Dr. Disha Nighot

[protected]