United Bank Of India — My savings Account No.7382 with the Jhalda Branch

Address:

Kolkata, West Bengal

Respected Sir,

1.My simple question when the minimum balance require to maintain Rs.100/-without cheque facilities how it can become zero when my balance was Rs.280.34.

2.They reply : As per letter dated 11.04.2014 vide no UBI/PRL/R.O/RTI/9705/2014.
"As per norms if any account remains without transaction for one year, the account becomes dormant and after two years the account become in-operative account.When any account remains in in-operative status the incidental charges of Rs.30/-is deducted per year and when the balance falls below Rs.100 then another charges is deducted for short fall of minimum balance and if the same status continues ultimately the balance becomes zero".

3.My plea is if you deducted Rs.30/-every year for 3 years @30/-its becomes 90/-the balance of Rs.190.34 should be transfer to unclaimed deposit instead of zero also they allowed the interest as well as per Circular DBOD.No.Com.BC.109/C.408/A-77 dated October 1, 1977.

4.My plea and It is presumed that the bank has fraudly mis appropriated the fund which was lying in my savings account.

5.last but not least, in my view It is presumed that RBI is not protecting the small savings account holder and they agree to the reply given by UBI, this is the justice which i suffer from last 2 years and BoKolkata has not taken any action than I reached to you for getting help in this regard .


Pursuant to my earlier mail dated April 30, 2015 against your reply through email dated May 07, 2015, I am shocked & surprised to note that no positive response has been received from your end just a attached copy of the past of your last reply ???.

May I take the opportunity to request you once again to intimate me under which provision of law you have made my balance Zero in savings account at that time account maintain at Rs.100/- balance only .

It will not be out of place to mention that my Savings Account’s balance was Rs. 280.34 in the FY 1993-94 and CII was 244 while in the FY[protected] CII was 1024 and I have calculated the amount should be 1176.50 as per the CII which is forfeited by you without any intimation to me.

The said amount is forfeited and I strongly feel that your bank has willfully not paying Rs.1176.50 for the delayed period.

It is presumed that willfully and /or deliberately you have decided not to settle my account at your end in spite of repeated request.

You being a reputed Government Organisation (Bank) may feel it is a petty matter for you but for me it is a very serious matter.

It is assumed that I am not entitled for the amount which was lying in my savings account mentioned earlier and no proper explanation was provided by your goodself. A reputed bank is unable to give satisfactory reply as to why I am not entitle to get my deposited money with your bank.

Well, a considerably long period has lapsed on a small issue, feel that you are reluctant to release the said amount deposited with you.

I strongly feel that the matter has been delayed for a considerably long period from your end causing mental agony, loss and damages to me for no fault from my end.

In the above circumstance, you are once again requested to comply with the requisitions contained herein above and intimate within 7 days in order to settle the simple issue which has been made complicated from your end for more than a year.


I do hope that you being a statutory authority you will act in accordance with the principles of natural justice and fair play and will comply with the aforesaid requisitions.

Anyway, lastly I shall once again request you to release my deposits with in seven days kept in my savings account as mention earlier.


Thanking you,
Sincerely Yours,
Anil Kumar Kedia
[protected]
289, G.T.Road, 1ST Floor Block-A,
Belur, Howrah: 711 202.