State Bank Of India [SBI] — deficient and negligent working mishandling cheque thereof.

Address: New Delhi, Delhi, 110023

I have a Saving Bank A/c No. [protected] with SBI, Vikas Sadan, INA, New Delhi-110023. On 28.03.2018, I have submitted a cheque No. 028478 dt. 27.03.2018, amounting to Rs. 16, 800/-, drawn on HDFC Bank Ltd. To my paramount shock, this cheque has been returned vide Return Memo Report no. 080051/159003/1260 dt. 29 March, 2018. Shockingly, the said Memo although stands dispatched through 'Speed Post' on 29.03.2018 yet reaches to me on 14.07.2018 i.e. after three and half months.

Being aggrieved, on 16.07.18 I approached Ms. Kanika, Dealing Clerk, SBI Branch, Vikas Sadan who argued despite the sole and absolute lapse occurred on her part. She told that KYC was pending on my part and she called me on 02.04.17 at 11 am and 03.04.17 at 2 p.m. On the contrary, Mr. Aditya Gupta, Dy. Manager conveyed that KYC of Thomas Cook was not done with HDFC Bank. However, he admitted that delay/lapse occurred on the part of his branch for which he gave lame excuse of renovation work. Surprised to hear two different stories from same bank.

Precisely, the delayed act on the part of SBI has resulted in not only expiry of instant cheque but also injected unwarranted mental pressure to me. Further, this shall also result in loss of interest quotient on my principal amount until I get new cheque issued from Thomas Cook and deposit the same in my account.

In view of above, please resolve the above issue by (i) allowing payment of interest for entire period on my principal amount (ii) furnish proof of telephone calls made to me by Ms. Kanika and (iii) stern action for dereliction of duty be initiated against the erring officer/official. Besides, also provide RBI guidelines which prevent SBI to credit above amount on the grounds 'KYC awaited' and keep sitting on the cheque till it expires.

I shall appreciate an early action and reply on above issues.

Rajesh Handa
B-3B/90-B,
Janak Puri,
New Delhi-110058
Mob:[protected]