[Resolved]  State Bank of India — cheque returned

Dear Sir,

Ref : A/C no : [protected] ( SBI -Haldia port Branch, East Midnapur, West Bengal -1360)
Sub : Abnormal delay in cheque credit

I deposited one cheque no AB824129 amount Rs 46, 425/( of postal department on SBI -Tamluk Br ) submited on 12.01.09 . But it is matter of surprise this has not yet credited in account . I had complained in writing in this regard to the Manager of Haldia Branch on 05.03.09 but no action yet been taken. It is matter of surprise that I am regularly following up about this matter with Accountant & Manager of this particular Branch but no feedback given in this regard . Today (27.03.09 ) afternoon Accountant suddenly told my representative that the cheque having some problem hence it will be returned by SBI- Tamluk branch .
Why it will be returned after 3months?
Why should I suffer if Branches are working properly ?
Who will bear the loss of interest ?

I would request you please take necessary action immediately .

Yours faithfully,
Anup Kumar Das
mob : [protected]

Dear Sir,
I took home loan from SBI in Aug 2004 at7.5%(Floating) & opted to Fixed rate 9%in Nov 2004 also paid Rs 8119/- towards charges for changing the option. After some time they insured my house my house from some agency without informing/ asking me and deducted huge instalement (approx 9500/-)from my S/B account. They have not provided the reciept or policy to me till date. I have paid all my loan intalemnts regularly. Now they are asking me to pay the interest @ 12.75% or pay in full at once. I have approached to DGM, Housing Loan of SBI, but there is no response for last two months. What shall I do? My Home Loan A/C No. is [protected](1818).

Dear Sir,
I took Rs 300000/- home loan from SBI in Aug 2004 at7.5%(Floating) & opted to Fixed rate 9%in Nov 2004 also paid Rs 8119/- towards charges for changing the option. After some time they insured my house from some agency without informing/ asking me and deducted huge instalement (approx 9500/-)from my S/B account. They have not provided the reciept or policy to me till date. I have paid all my loan intalemnts regularly. Now they are asking me to pay the interest @ 12.75% or pay in full at once. I have approached to DGM, Housing Loan of SBI, but there is no response for last two months. What shall I do? My Home Loan A/C No. is [protected](1818). My cell no. is [protected]

Sir,

We are a trading firm and regularly receive payments by cheques from the parties. Today, we receives the Cheques of many parties who have their account with SBI CBS branches. However, the stamp of PAYABLE AT PAR is not prrinted on the cheques. I have been submitting my cheques for cleraring thorugh our bank i.e. BANK OF BARODA, Ghaziabad. It has been obserbed that most of such cheques are cleared thorugh local clearing house, while some cheques are rejeced and return with the remark as not drawn on us. And the heavy charges against such returned cheques are debited to our account in the name of bank charged by our our bank. When the cheques are being cleared by centralized clearing house and cheque are of CBS branch, does contain proper account no and branch code why such cheques are rejected . Please let us know what are the systems, mostly realised and few rejected.

First, please let us know the procedures of honouring the cheques, then I will be able to lodge specefic complaints of such cases.

Thanking you

Subhash Chandra

Dear Sir,

Recently I approached SBI bank, Dr.Thirumurthy nagar, Nungumbakkam, Chennai - 600034 to open a savings account. In that bank the bank manager Mr.Sampath is allowing me to have savings account without SBI insurance.

I clearly told him that I already having 1 general insurance 1 medical insurance but he dint accept it.

He forced me to take the SBI insurance, I dint accept it so he tore the form and chased me out. I checked with SBI customer care there they said the insurance is not mandatory to open SB account.

Please look at this issue.

State Bank of India — return of my cheque

My cheque no. 903641 is returned to ICICI with no reasons or intimation from bank. I was holding sufficient balance in my account for the release of payment, while all my earlier cheques were enchased. Due to this I suffer a penalty of Rs1357.61/- from ICICI. My SBI account number is[protected]. I need reason of cheque return while earlier were enchased and also my penalty amount should be beared by SBI.

I have deposit one cheque, which i got from post office after completing the R D period. The amount is 36674. It was credited in my Account & later it showinfg the status out-chq return 16 not drawn on us. I don't know why this cheque is Return as it was issued by goverment Aurthority.The manager is saying this is issued from different state ie UP & cannot be deposit in UTTRANCHAL Bank. I am failed to understand why this type of statement these people gives without knowing the correct fact. Any cheque issued by any state govt is valid in all over india banks. so what to do...any solution please suggest me.

Madhu Joshi
MOB: [protected]

Hello,

I have a similar compliant like Madhu Joshi . I got a payment from Post Office Amount 56035 INR and SBI cheque no 352644 is issued to me by Indian post office department Satara . I deposited this cheque in HDFC Bank as my bank account is with HDFC Bank - Hinjewadi Branch - Pune . The Cheque did not get credited with a reason- " Wrongly Delivered - Not drawn on us " . I dont' understand the reason why this should happen .
SBI is recognized bank by all other banks and why should government officials issue cheque that cannot be drawn by drawee bank ?