Sir/Madam,
Hi,
I had raised this online complain last week. Though there was an SLA mentioned for the reversal time but till today I got no information.
I tried to call the Grievance Cell (Tel no : (033)22489333, 22436531) several times but only once they picked up the call saying that State Bank Of India has no responsibility to explain the reason that why a cheque (duely issued and signed) got returned even if I was having sufficient amount to encash the cheque in my drawee bank\'s a/c and they also instructed to follow me up with the drawee bank that is the ICICI bank in this case.
Accordingly I asked ICICI Bank for the reason and also raised a complain in the Core Center.
As per their mail below we can see there was no fault of the ICICI bank in returning the cheque.
As payment of installments against the Loan A/c # is 00000030132519670, Branch: RACPC, KOLKATA., I use to submit duely signed A/c payee cheques in advance to RACPC. The RACPC persons use to put the dates in the cheque and submit them as per the due date each month. This practise is going on till last two years after the discussion and agreement with the RACPC officials.Last month (March 2009) RACPC submitted the cheque without filling in the date as a result the cheque got returned.
ICICI bank charged me Rs 55, surprisingly SBI RACPC also charged me Rs 75 and further they submitted the same cheque again in the latter part of the month and it got encashed.
Now please tell me whose fault is this? Am I, as an A/c holder responsible at all or the dependence on the RACPC officials to put the dates as per their convinience is my mistake.
Being an existing customer of State Bank Of India in different businesses (like car loan,
PPF A/c, Savings Bank A/c, House Loan) I am really getting frustrated with the anxiety and harassment I need to suffer due to this incident.
I hope the matter will be considered quicky and fairly.
Further I am thankful to dgm.customer@sbi.co.in for copying me in the instruction mails to LHO Kolkata. But I am sorry to say no action has been taken till now.
Regards,
Shiladitya Bose.
N.B: Please find below the interaction details with State Bank Of India and ICICI Bank
----------------------------------------------------------------------------------------------
--- On Tue, 23/6/09, dgm.customer@sbi.co.in wrote:
From: dgm.customer@sbi.co.in
Subject: Fw: Re: Fw: Re: Fw: Complaint #: CC-123********25
To: pstocgm.lhokol@sbi.co.in
Cc: shiladitya.bose@yahoo.co.in
Date: Tuesday, 23 June, 2009, 5:49 PM
Kolkata LHO
Please attend to the grievance forwarded. It relates to your RACPC KOLKATA Branch. The customer may be advised of the steps taken for redress. Please advise us when the grievance is redressed.
DGM, Customer Service
Corporate Centre, Mumbai
-----Forwarded by DGM CUSTOMER SERVICE CORPORATE CENTRE MUMBAI/CORP/SBI/SBG on 06/23/2009 05:48PM -----
To: dgm.customer@sbi.co.in
From: shiladitya bose
Date: 06/22/2009 12:38PM
cc: chairmansbi.customer@sbi.co.in, sbihelpline.lhokol@sbi.co.in
Subject: Re: Fw: Re: Fw: Complaint #: CC-123********25
Sir/Madam,
I am sorry to say though a long time has been passed, but still no update sent to me regarding this problem.
Also I am facing some confusions with my other loan a/cs with State Bank Of India but nobody is proving me the details or helping to sort out the issues.
I will be grateful if you kindly consider this matter seriously and help to solve out the issue.
Waiting for your kind and hopeful attention.
Regards,
Shiladitya Bose.
M:0********15
--- On Tue, 28/4/09, dgm.customer@sbi.co.in wrote:
From: dgm.customer@sbi.co.in
Subject: Fw: Re: Fw: Complaint #: CC-123********25
To: sbihelpline.lhokol@sbi.co.in
Cc: shiladitya.bose@yahoo.co.in
Date: Tuesday, 28 April, 2009, 3:03 PM
LHO Kolkata
The mail was forwarded earlier also. It appears that the grievance of the customer has not been redressed ..Please look into the matter again and arrange for immediate redressal of the customer\'s grievance under confirmation to the Corporate Centre.
DGM,Customer Services,
Corporate centre, Mumbai
-----Forwarded by DGM CUSTOMER SERVICE CORPORATE CENTRE MUMBAI/CORP/SBI/SBG on 04/28/2009 03:04PM -----
To: dgm.customer@sbi.co.in
From: shiladitya bose
Date: 04/27/2009 08:18PM
cc: chairmansbi.customer@sbi.co.in, sbihelpline.lhokol@sbi.co.in
Subject: Re: Fw: Complaint #: CC-123********25
Sir/Madam,
I got no update about the matter after your mail.
Being a loyal customer of State Bank Of India I am earnestly requesting you to solve the issue.
My concern is that the same incident happened two times with me and it may be repeated in future.
Hope to get your kind cooperation regarding this problem.
Regards,
Shiladitya Bose
--- On Sat, 4/4/09, dgm.customer@sbi.co.in wrote:
From: dgm.customer@sbi.co.in
Subject: Fw: Complaint #: CC-123********25
To: sbihelpline..lhokol@sbi.co.in
Date: Saturday, 4 April, 2009, 9:27 AM
Kolkata LHO
Please attend to the grievance forwarded. It relates to your RACPC KOLKATA Branch. The customer may be advised of the steps taken for redress. Please advise us when the grievance is redressed.
DGM, Customer Service
Corporate Centre, Mumbai
-----Forwarded by DGM CUSTOMER SERVICE CORPORATE CENTRE MUMBAI/CORP/SBI/SBG on 04/04/2009 10:28AM -----
To: sbihelpline.lhokol@sbi.co.in
From: shiladitya bose
Date: 04/02/2009 12:53PM
cc: dgm.customer@sbi.co.in, chairmansbi.customer@sbi.co.in
Subject: Complaint #: CC-123********25
Hi,
I had raised this online complain last week. Though there was an SLA mentioned for the reversal time but till today I got no information.
I tried to call the Grievance Cell (Tel no : (033)22489333, 22436531) several times but only once they picked up the call saying that State Bank Of India has no responsibility to explain the reason that why a cheque (duely issued and signed) got returned even if I was having sufficient amount to encash the cheque in my drawee bank\'s a/c and they also instructed to follow me up with the drawee bank that is the ICICI bank in this case.
Accordingly I asked ICICI Bank for the reason and also raised a complain in the Core Center.
As per their mail below we can see there was no fault of the ICICI bank in returning the cheque.
As payment of installments against the Loan A/c # is 00000030132519670, Branch: RACPC, KOLKATA., I use to submit duely signed A/c payee cheques in advance to RACPC. The RACPC persons use to put the dates in the cheque and submit them as per the due date each month. This practise is going on till last two years after the discussion and agreement with the RACPC officials.Last month (March 2009) RACPC submitted the cheque without filling in the date as a result the cheque got returned.
ICICI bank charged me Rs 55, surprisingly SBI RACPC also charged me Rs 75 and further they submitted the same cheque again in the latter part of the month and it got encashed.
Now please tell me whose fault is this? Am I, as an A/c holder responsible at all or the dependence on the RACPC officials to put the dates as per their convinience is my mistake.
Being an existing customer of State Bank Of India in different businesses (like car loan,
PPF A/c, Savings Bank A/c, House Loan) I am really getting frustrated with the anxiety and harassment I need to suffer due to this incident.
I hope the matter will be considered quicky and fairly.
Regards,
Shiladitya Bose.
--- On Sat, 28/3/09, Head Service Quality wrote:
From: Head Service Quality
Subject: RE:\'ICICICARE=033-439-863\'
To: \"shiladitya.bose@yahoo.co.in\"
Date: Saturday, 28 March, 2009, 6:30 PM
Dear Mr. Bose,
We refer to your complaint to CORE center regarding a cheque return on March 7, 2009.
Please note the following:
1. Cheque number: 429098 was returned by bank on March 7, 2009 due to the reason \"Date Required,\" which means the date was not mentioned on the cheque while depositing.
2. The SMS sent on your mobile was \"Cheque No.... 429098 for INR 9782 issued from your Ac.XXXXXX507886 has been dishonored on 07 Mar,\" which did not say anything about insufficient funds.
3. As the cheque was correctly returned, cheque return charges in this case of Rs. 55.00 has been debited from your account on March 7, 2009.
We understand that this explanation clarifies the concerns raised by you.
Assuring you of our best services at all times.
Sincerely,
Trimurthy . A
Office of Head Service Quality
An email communication has been sent to State Bank of India on July 21, 2009, 5:31 pm
Kind Attention
To,
The Officer In charge.
State Bank Of India.
Your honour,
100% now I believe that if you have money then you can get anything, every thing is possible by you. If you are a poor then you can’t get anything, every thing is far and beyond possible to you, also you get poor judgment and poor comportment in all aspects of life, in our country INDIA. For example 1. I. I went to Police Station more than 100 times, made 5times entries (complaints) into G.D. but Not even a microscopic actions took place against the alleged bodies. On the contrary Sandip Samanta, S/O. Shankar Kumar Samanta (S.B.I. OFFICER Ph. No. ********34) he has much more and enough money so they purchase all police personnel's and some political leaders, some Dada. Etc. Only I used to get many letters and many phone calls which all seem to me needs to be thrown in the trash, as it all are valueless, toothless and only simply a solace to the poor. What an undone boy I am! Woe is to me! My wife and her family, Sandip Samanta and his family harassment to me and my family, they are torcher me physically and mentally.
We got Married 05/03/2002, and have a daughter who took birth on 09/07/2005. My wife and her family lodged a case 498A/34 IPC, FIR NO.276, date 31/08/2009, P.S.: BAGUIATI, against me and some of my family members it’s a fabricated, baseless, legless, toothless and doesn’t have any commensurate to the fact. My wife is engaged and having an illicit affair with a boy (Sandip Samanta, S/O. Shankar Kumar Samanta S.B.I. Officer Ph. No. ********34) just opposite to my house, all the matters are known to every person in my village, and also they have certified me written about my fresh character and nature. When my wife left form my house taking many vory gold and cash 1.20 lack Indian rupees. What a demon she is! She didn’t take our only daughter (only four years old) who is now in my house having severe asthma supported by inhaler. My wife filed the 498A case dated 31/08/2009 and I was arrested on 06/09/2009,The Learn" ed court granted me on bail on 19/09/2009. My 1st court date is 16/10/2009 (Attended) 2nd court date is 04/01/2010 (attended) Next court date is 07/07/2010 at Barasat court. I have lots of irrefutable evidences, (20 pcs. Adult S.M.S., Adult picture with the boy and a c.d.) with me where it is cleanly reveals which translates my wife and the boy that they are in illicit relations. Believe me I and my family would love very much (which is very rare seen in our society) to my wife and never any kind of love lost didn’t happen. They (My wife family) are very very poor and live in a bosti Address: 70/H/8 Manicktolla Main Road, Kolkata – 700054, Beside 5 Star Club, my mother saw 1st time and she arranged my marriage, and Mother told me "they are very poor so what? After marriage she will be our family member" believe me not a single word is wrong. Before marriage my family did not see the pedigree of my wife’s family, now we understood also realized that they hailed from a worst status. My wife, her family and the boy all they are misusing this law. Now my wife’s family knows all the affair-related matter. My wife left our only solitary daughter to me who is 4 years old having severe "Asthma Disease, depends on INHALER, here political Hide and seek, ducks and drakes and lots of unfair means are going on and the father of the parents (THE FATHER OF THE BOY WHO HAS ILLICIT RELATIONS WITH MY WIFE) are rich, so they are spending money to everywhere with a view to be escaped. Now I decided that in no way I can’t accept that demon wife. I hired a lawyer his name Mr. Kamelash Nandi. I don’t know what will be happened next? It’s an utterly a huge and a palpable offence subsequent to which the boy deserves severe and examplanary punishment so that no one can dare to abuse this law. My mother is a sugar present shies sugar is now 400. If possible please help me. Please investigate the matter thread barely and save me and my family. I leave here one question to every one that in this die-straits situation whom do I take care to myself (TRAGEDY), my daughter, or my mother(severe Diabetic)?. My wife filed another case me U/s. 125 Cr. P. C. Case NO.167/2009, date 16/12/2009. 1st Class Judicial Magistrate at Sealdah. 1st court date is 15/01/2010 (Attended) 2nd court date is 12/02/2010(Attended). Next court date is 23/04/2010(Attended) Next court date is 03/06/2010 Attended. Next court date is 07/06/2010. The Ld. court has given the judgment to provide 1500/month.I am millions miles away from the genuine and authentic investigation and inquiry. No inquiry ,investigation were executed against the F.I.R lodged by my wife. It is very painful, lamentable as well as heart rendering, breath taking affair to me and my family. My heart bursts into guffaw when I see the nature of the inquiry and investigation. One thing is as clear as crystal to me that the law and the task of the law enforcing agencies vary from man to man. A new proverb is going to take birth very soon that "Justice for the rich and Injustice is for the poor" A rich reserves the right to indulge in any kind of heinous business but the poor is restricted to involve in any type of excellent deeds" To see all these my heart is about to come in the mouth and the ground under my feet gets shook. In a word all types of Law are for the poorest and the richest will enjoy the richest judgments from all quarters.
Dear Sir/Madam,
As I’m 100 percent innocent so I screw up my courage to place my grievances to every body in order to get redress. So I want to let my matter informed all the Indian and others. I wrote my matter to our local P.S., Local Councilor, all M.P., M.L.A., Minister in W.B. and Other States, C.M. in W.B., CBI Department, CID Department, S.P. and Dy.S.P.(N.) 24 Parganas, All the I.P.S. AND I.A.S. OFFICERS. Governor in W.B, and President in India. P.M. in India, National/International Human rights department, AAP KI KACHEHRI – KIRAN KE SAATH, Kolkata Police, and all police officers in W.B., my nation, all of the news channels, and all press, Talking with some NGO’s: 1. Universal Right and Duty for Human to Abide URDHA, 2. Human Right Commission’s Mr. Ujjal Paul and Mr. Shibaji Dasgupta. 3. Bhatat Bachao Sangathan BBS. 4. Forum for Social Justice and Development FSJD. 5. Ajjtak News Channel’s Miss Menogya. and many more, (anybody can’t help me/ fight for truth /don’t take proper investigation/do not take any action/don’t take any type of query/ Still Now, I see they all are in sound asleep. The reason is best known to them. NOW BAGUIATI POLICE O.C. LISTENED ME AND TOLD ME "YOU FILE A FIR 156(3) I ARREST / TAKE NECESSARY ACTION. NOW I FILED THE CASE 165(3) CASE NO. 921 OF 2010, DATE-13/04/2010 CHARGE 323, 379, 406, 497, 498, 500, 504, 506 READ WITH 34/120B OF INDIAN PENAL CODE. NOW I AM LOOKING FORWARD TO SEE WHAT HAPPENED? 1. Sandip Samanta, 2. Shankar Kumar Samanta (S.B.I. Officer Ph. No. ********34), and 3. My wife they all are not in Jail now, because they all are in anticipatory bail now.
The file comes and the case is starting At Baguiati Police Station Case No-168 Date: 24.04.2010. CHARGE 323, 379, 406, 497, 498, 500, 504, 506 READ WITH 34/120B OF INDIAN PENAL CODE Baguiati Police Station’s Officer In charge Ph. No. is: ********07(Goutam Mitra), Baguiati Police Station’s Ph. No. is: 033 25598799. Investigation Officer Name is: Ajay Kumar Ghosh. Don’t take proper investigation/do not take any action/don’t take any type of query/ Still Now.
I’m Punishment + harassment Without Crime. I think all are carpeted. West Bengal Government totally failure on my case. This is a Special Crimes So now I went to hand over my case to CBI (Central Bureau of Investigation). Please help me.
I hope you would care to me, your prompt action shall be highly appreciated.
With kindest regards,
Dipak Kumar Adhikari
Tegharia(Dhali Para),NandanKanan. P.S.: Baguiati.
P.O. Hatiara. Dist.: North 24 Parganas. Kolkata-700059 Email: dipakadhikari_59@yahoo.com
W.B. India. PH. ********83