Bank cheated me by debited service charges without disbursing the housing loan
mahmood mithani
(Querist) 15 February 2017
This query is : Open
I did applied to DCB BANK Ltd., Mumbai for housing loan in october,2016, they sanctioned the loan on 3rd november,2016, the bank employee took the service charges cheque on 27th oct,2016 saying that he will the put the cheque in once property registration done & i ll submit the original document with the bank.
My property registration is done on 19th november,2016 - i never submitted the property document to the dcb bank, never took the housing loan from the dcb bank.
But to my surprise the bank debited my cheque of Rs.22875/- as service charge on 28th oct,2016, i am complaining this to the bank since last 3 months they do acknowledge the complaint but never reply it, i have also complained to BANKING OMBUDSMAN RBI - vide complaint no.019720 dt.14th dec,2016 but nothing is happened till date.
my question is what should i do next? shall i approach consumer court too? if yes please help me in providing me procedure & mumbai consumer court address
