| Address: Meerut, Uttar Pradesh |
Dear Sir,
This complaint the regarding the lien charges imposed in my account and bank not cleared these lien charged for years. Due to this a lot of ECS and checks returns and ultimately my mutual fund of HDFC and IDFC cancelled. Deails of complaint written to bank of baroda is also reproduced below. Please help me to clear the issue-
K/2013 Date- 23.05.13
Branch Manager,
Bank of Baroda,
Pallavpuram ,
B-104, Phase-I
Meerut-250110
Sub:- Regarding my saving account in your bank
Ref :- My account no. [protected] ( Kuldeep Kumar)
R/Sir,
With reference to above I want to submit the following:
State that I have a saving account in your bank since 03.12.11. During the period I took two mutual funds of monthly cutting through ECS. One of IDFC mutual fund ECS on 12th of every month and other of HDFC mutual fund ECS on 15th of every month. I check my account closely and I have noted few points.
As per the passbook I came to know that there was a lien balance on my account. It was Rs 828 on 23.06.2012, Rs 828 on 01.09.2012, Rs 1380 on 19.01.2013, Rs 3312 on 05.04.13 and Rs 1656 on 15.01.2013. Beside this Rs 276 on 12.05.13, Rs 276 on 16.07.12, Rs 276 on 13.08.13 , Rs 276 on 15.03.13, and Rs 1676 on 09.04.13 (Rs 276 on 15.05.12,29.05.13,29.05.13,,12.09.13,15.02.2013) has been deducted from my account mentioning BLDSK inward return charges for different dates. .Means total 3312 has been deducted from my account as ECS return charges mentioning BLDSK inward return charges and still it is showing 1656 lien balance on 15.04.13. And 674 charges of return checks(Two checks) I have issued to my IDBI bank account and Rs 60 to my IDBI account. Total amount of Rs 3986 has deducted in this account and Rs 60 in my IDBI account (Coy enclosed).
On 25.02.13 there was no lien balance on my account and it shows Rs 828 on 23.06.2012. This is not clear why this lien was pending on my account. And if these dues were genuinely exist on my account then why these charges were not deducted from my account and cleared my account from lien balance. Because these lien balance leads to ECS return on 12.07.13, however there was Rs 2658 balance in my account, similarly Rs 2308 was balance on 13.08.12 but due to this lien balance ECS of IDFC returned. And result of this IDFC cancelled my IDFC mutual fund due to return of 3 subsequent ECS on 12th of every month(Copy enclosed).
On printing of my passbook on 19.01.13 I came to know that this lien balance increases to Rs 1380 and my account clear balance on date was Rs 16758.94. So I want to say in this regards that if these lien balance were genuine than why these are not cleared from my account after deducting the lien balance so that further returning of ECS & chech may have avoided.
Further more this lien balance was Rs 1380 on 19.01.13 and it increased to Rs 3312 on 05.04.13 . So due to this lien balance ECS of Rs 1000 on 15.01.13 returned , however you’re your bank has deducted BLDSK inward return charges of Rs 276/- from my account. Similarly a check I submitted to my IDBI bank account of Rs 2000 had returned however there was Rs 2758.94 clear balance in my account on 19.01.13 due to this lien balance check return on 11.02.13 and return chares of Rs 337 has deducted from my account and ECS of HDFC also returned and Rs 276 deducted from my account. Similary my check of 12000 also returned issued to my IDBI bank on 08.04.13. However Rs 13445.55 clear balance was there in my account. But the check of Rs 12000 retuned and returned charge of Rs 337 has been deducted from my account and Rs 60 also deducted from my account of IDBI bank on 08.04.13(Copy enclosed). On 09.04.13 I visited the bank personally and met one of your manager and he checked my account and talked on here and there and then Rs 1676 has been deducted from my account mentioning BLDSK inward return charges of different dates(Copy enclosed) and he didn’t give me any information regarding these charges . And I could able to withdraw Rs 9000 only. And after printing of passbook Rs 1676 again show in my account as lien balance. Regarding this your mangers and other staff didn’t tell me not guide me how to solve this issue. It is mentioned that my HDFC mutual fund has been cancelled due to return of 3 subsequent ECS on 15 of every month (Copy enclosed).
As I have explained above I have suffered financially very badly and my both the Mutual fund has been cancelled. So it is therefore requested kindly go through in the details of my account and let me know why these lien charges has occurred and kept pending for so long time and these lien balanced charges leads to further ECS and check returns and cancellation of my IDFC and HDFC mutual fund and still Rs 1676 as on 15.04.13 is pending against my account. And if there is any lapses from your bank side than correct it and reverse the amount to my account if any.
From
Kuldeep Kumar
Mobile No. [protected]
Email id- [protected]@yahoo.com
Address- Central Organization of Modernization of Workshop,
Railway Office Complex,
Tilak Bridge,
New Delhi-110002
Note:- Please make your correspondence at the address mentioned above .
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