State Bank Of India [SBI] — manger amandeep singh at shastri market jallandhar branch

Dear Sirs

I wish to complain about the service I have been receiving from one of your senior staff members at your branch at Shastri Market Jallandhar.

The name of the staff is Mr Amandep Singh in a position of senior manager.

I am a NRI living in the UK.

My late husband Mr Joginder Paul Kashyap had bank accounts and Fixed Deposits at this branch. Please see copy attached.

My late father in law Parkash Ram/Singh also had his pension account at this branch.

My mother in law also has a pension account at this branch.

Sadly both my father in law and my husband passed with cancer.

My husband was the nominee on my father in law's accounts and I was the nominee on my Husband's accounts.

My father in law passed away in 2014 and my husband passed away in 2016.

Now my late husband held a fixed deposit in joint names with my father in law.

Since both of them passes away I wished to cash in the policy.

I have shown the certified will of my father in law together with his death certificate to the manager.

I have shown the certified will of my husband together with the death certificate to the manager.

My father in law's will is all in the favour of my husband.

My husband's will is all in the favour of myself.

However the Manager Mr Amandeep has been making unreasonable requests for documentation that are not required.

This has been going on for the past 5 months.

I have visited India three times since January of this year in relation to cashing in the policy which rightfully belongs to me.

The manager first said to me that I need to show a succession certificate in order to cash the policy. I explained that succession certificate is only required if there is no will in place.

He was very abrupt and rude and adamant that a succession certificate is required.

Also he said that a letter of consent is required from all of my father in law's successors.

This is a very unreasonable request given that my father in law left a perfectly valid will leaving everything in my husband's name.

He then said that consent letters are required from all the successors of my husband as well.

Again this is a very unreasonable request because my husband has left a perfectly valid will in my favour.

He then request that I show him the Probate Certificate issued by the UK courts in relation to my husband's will.

I had to come back to the UK for that.

When I returned with the probate certificate he then said it has to be attested by the Indian High Court.

Again this is a very unreasonable request as there is no such application that can be made to the Indian High Court Judge to attest a foreign document. This is in the jurisdiction of the Notary Public which the manager is not willing to accept.

The most ridiculous demand now is that the manger is demanding that my father in law's will to be Updated as there is a long gap between 2006 (which is when he made his will and registered it with the sub registrar's office in India) and 2014 when he passed away.

I ask you how on earth can a will be updated by someone who passed away four years ago? In any event a will is document that cannot under any circumstances be tampered with. It is a criminal offence to do such a thing. It is not a bank passbook that you can take and have it updated because a bank manager wishes to torture the beneficiary.

I asked the manager to show me the bank's guidelines or circular that requires all these unreasonable requirements to close a deceased person's account but he refused to oblige.

Now I have on 6th June 2018 made a request in writing for the account to be closed and the proceeds to be transferred in to my account.

Unfortunately I had to return to the UK as I have a 96 year old mother in law that requires my 24 hour attention.

I have visited India 3 times this year just in relation to this matter. Every time I visit India it costs me financially in fares, loss of earning and expenses during my stay in India. I have to ask relatives to come and stay at my house to care for my mother in law in my absence which is further expenses.

Furthermore every time I come and bring whatever documents he requires the manager then asks for further documents.

The manager it seems as though has taken a disliking to me and is making my life very difficult in all matters relating to the funds held at your bank by all my relatives.

He also made me go through a lot of inconvenience when I needed to withdraw funds from my mother in law's pension account even in the face of me holding a power of attorney and an authority letter from my mother in law.

I wish you investigate this matter and help me close my late husband's account with your bank.

Should this bullying abuse continue by your manager I will have no option but to report this incident to the press and also to the banking ombudsman.

I require a response within 7 days to avoid the complaint being made to the banking ombudsman.

best Regards

Rani Kashyap