Attrocity.
VIJAY
(Querist) 23 December 2016
This query is : Resolved
Sir/Madam,
I request all the expert to please help us in regard to this problem,
My father was one of the employee in public sector bank,he got expired in the year 2009 and as a due process after all the procedure full and final settlement was done but we didnt opt for the Ex-gratia at that time as we were in a hope of getting compassionate appointment.
And in regard to this we regularly communicated and requested through the letters for the compassionate appointment and even they were replying saying that the option is not there.
After few days the settlement amount which was deposited in my mother account was debited by the bank saying that there was a liability from my father so they have deducted even it was not informed to us and without our knowledge it was deducted.
In the mean time there was a housing loan pending and one society loan was pending which was needed to clear and after all we decided that we will not wait for compassionate appointment and we will opt for Ex-gratia as we were in financial crunch and even our mother health was not in good condition and we applied for the ex-gratia.
We received a letter a stating that there are two liabilities from your father that is housing loan and society loan, after deducting the same the amount will be transfered but you need to give declaration, affidavit and other documents and even followed the same.
After few months we received a letter stating after deducting the liabilities a sum of 'X' has been transfered to your account.We went to the branch office and requested for the property documents but it was informed to us that it will take few days and you need to visit the housing loan department.
Here the problem starts again first they made us to wait for a month and after we went there when my mother requested for the document,
1. They are telling us to get witness of two people from same bank.
2.And the legal heir should be present before them and we should produce the document that we are legal heir of our parent.
3.Again they are telling to give an affidavit and declaration.
4.After all this later they will decide whether to give the documents or not
Sir from day one they are playing with us and sir we belong to Scheduled Caste Community and from they one the treatment has been the same they will make us to sit for hours (2-4 hours) and later tell to come next day.
And when couple of days back when we went to ask for documents my mother and us were made to stand in front of the manager and it was asked to maintain distance and speak,when we questioned why you are treating us like this whether you are targeting particularly us because of our caste they raised there voice and called the police to throw us out.
what is our fault we want our property documents that too we have cleared all our father liabilities again why are they treating us like this whether belonging to SC community is our crime.
We need justice,can anybody help us and we have cleared all the liabilities.Please help us.
Guest
(Expert) 23 December 2016
There are strong SC/ST unions in all the Banks and Certainly would Help you.Enclose all the documents they have asked for and if already submitted enclose the copy of the same attested once again mentioning the facts along with that send a Requisition to update the Present status by Speed Post with Ack due.Witness of two People from same Bank and then they could be from any Branch of the same Bank.Politely get it done.With in 20 days you would get a Reply.The Appointment is only on Compassionate grounds and Politely get it done.Do not expose your anxiety to the Officers It May spoil your Aim
R.K Nanda
(Expert) 23 December 2016
query too long.
Rajendra K Goyal
(Expert) 23 December 2016
The deceased was of your caste (your father) and worked in the organisation, there is no reason why the staff should ill treat you. However, they are helpless in completing the formalities.
For releasing such documents in the name of deceased certain formality has to be completed / documents has to be provided, generally affidavit, legal heir certificate, application, indemnity, identity proofs of legal heirs is required.
All legal heirs can entrust one to take documents from Bank.
Rajendra K Goyal
(Expert) 23 December 2016
Alternately you can bring / arrange / fetch court orders to deliver the documents to any of legal heir. However, this process would be more time and cost consuming.
Witness / surety of staff is not required, can bring witness of account holders good for the amount involved.
If you have completed the formality, branch is not cooperating, lodge complaint / call respective Regional Manager.
VIJAY
(Querist) 23 December 2016
I am very much thank full all the expert for there valuable solutions,
1.We are ready for following the procedures and even earlier they have taken the affidavit before releasing the ex-gratia but they are just making us to roam this is not the first time.
2.They don't tell what is the proper procedure and process need to be followed.
3.They want all the legal heirs to be present in front of them and later they will decide itseems.
4.Even they dont have proper SOP they just orally tell, when we ask any written document even they dont have that.
5.They want the account holder of the same branch,even we spoke with the DGM there even he is telling noting is in my hand you follow the norms.
6.We are ready but there should be some document and procedure to follow even we are educated but they are treating us illiterate when we question more as an consumer right they called the police and threatened us.
why they are behaving with us like this,they are not giving any checklist or the documents which we need to produce..
We are in complete dilema
Rajendra K Goyal
(Expert) 23 December 2016
You asked:
We are ready for following the procedures and even earlier they have taken the affidavit before releasing the ex-gratia but they are just making us to roam this is not the first time.
Reply:
You can use RTI to get the detail of documents with draft to be submitted. Broadly list has been advised in previous post.
You asked:
They don't tell what is the proper procedure and process need to be followed.
Reply:
Can use RTI, to get the procedure. You can consult employees association to help. Possibly, branch is not aware of full procedure as such case may have come first time before them.
Rajendra K Goyal
(Expert) 23 December 2016
You asked:
They want all the legal heirs to be present in front of them and later they will decide itseems.
Reply:
Consent of all legal heirs is necessary, other legal heirs can authorize one legal heir to get the documents. Signatures of all legal heirs have to be verified by Bank officer.
You asked:
Even they dont have proper SOP they just orally tell, when we ask any written document even they dont have that.
Reply:
Use RTI to get the procedure and draft of documents to be submitted.
Rajendra K Goyal
(Expert) 23 December 2016
You asked:
They want the account holder of the same branch,even we spoke with the DGM there even he is telling noting is in my hand you follow the norms.
Reply:
Deceased worked in the Branch, should not be difficult to arrange. If the account holder are of some other Branch of same Bank, Manager of that Branch can forward the documents after verification. Obtain requisite permission in such case.
You asked:
We are ready but there should be some document and procedure to follow even we are educated but they are treating us illiterate when we question more as an consumer right they called the police and threatened us.
Reply:
The documents are legal documents and has to be executed as per procedure. Bank is helpless in this respect.
If you feel difficulty in meeting the Bank procedure, can bring court orders, discuss with local lawyer.
VIJAY
(Querist) 24 December 2016
Respected Sir,
Thank you for the detailed procedure and the valuable suggestion i will follow the same.
Regards,
Vijay
Guest
(Expert) 24 December 2016
Well Advised by Expert Rajendra K.Goyal
