[Resolved]  State Bank of India — Wrong Penalty

By Speed-post

From: V. B. Virulkar
42, VNIT Campus
South Ambazari Road,
Nagpur-440 010
Date : 24/10/2008
To,
The VP-Customer Service,
SBI Cards and Payment Setrvices Pvt. Ltd.
P.O. Box No. 28 G.P.O.
New Delhi-110 001

Sub: Illegal Financial Charges and intentional delay in communication of receipt of cheque

Ref: Your letter dated 28th September 2008

Sir,
I am the sbi card holder with card No. [protected]. I use to pay the outstanding regularly before the due date. Without waiting for receipt of statement by post, I use to download it from net immediately after 16th of every month and drop the cheque in the nearby SBI branch drop box. Same way I have dropped the cheque No. 540482 dated 26/09/2008 for Rs. 31891.37 at SBI, VRCE Nagpur Branch on 26/09/2008, 11 days before the due date of payment. I was surprise to know from your office by telephone on 17/10/2008 that there is payment outstanding against me and my cheque No. 540482 got bounced. I have submitted the cheque No. 540483 for Rs. 31891.37 dated 18/10/2008 to your representative on 18/10/2008. Subsequent to the enquiry with the bank, they told me that they have not received this cheque for clearance. From the statement of card for the month of October 2008 some illegal transaction as below are shown.
Date Description Amount

28/09/2008 Unbankable Invalid Fee (Excl GST 61.80) 500.00
03/10/2008 Overlimt Fee (Excl GST 30.90) 500.00
10/10/2008 Fee-Late payment (Excl GST 74.16) 600.00
Total GST for above Transaction (61.80+30.90+74.16) 166.86
______
Total Amount for above transaction 1766.86

From the above facts the amount of Rs. 1766.86 has been imposed on me deliberately without my fault. If there was any problem with the cheque, you could have told me by mobile before due date so that the amount could have been paid by me before due date. Delay in communicating the problem with cheque of date 26/09/2008 is seemed be committed by you with the intention of imposing the penalty. Therefore, you are requested to reverse this penalty immediately failing which I will sue the bank in the appropriate court of law with cost.
Thanking you.
Yours Sincerely,


(V. B. Virulkar)