Bank account frozen by bank circle hear
Monesh Agrawal
(Querist) 15 September 2013
This query is : Resolved
i have been doing some private work with punjab national bank branches from the last 4 years. my saving account has been seize by circle office and asked me what work I'm doing is Inlegl. Now in that condition what can i do to release my bank account.
Rajendra K Goyal
(Expert) 16 September 2013
What work you were doing and how the Bank is concerned with it? If the work is illegal why the Bank not approached police and lodged a FIR.
Without knowing the actual position proper advise can not be given.
Advocate Sastry
(Expert) 16 September 2013
You say that you are doing some private work with punjab national bank branches from the last 4 years... If the said work is illegal why the Bank has taken 4 years to point out the facts.... As suggested by other experts please provide full details....
Nadeem Qureshi
(Expert) 16 September 2013
state full facts for best advise
Guest
(Expert) 16 September 2013
Satisfy the bank authorities, if yours was not an illegal business. Only that can help you to get your account released.
V R SHROFF
(Expert) 16 September 2013
MORE DETAILS NEEDED TO ADVISE YOU.
ajay sethi
(Expert) 16 September 2013
answer queries raised by experts .
Monesh Agrawal
(Querist) 17 September 2013
Sir, Main CIBIL work krta hu PNB k liye is work me banks loans k customer k bare me queries krti hai ki wo kisi bank se defaulter to nhi hai. ye work kafi secret work hota hai. ye work mujhe branches krne ko deti hai aur iske charges branches customer k account se charge krke hame payment krti hai. ye work branches ki liability hoti hai ki wo khud kare but unhe proper knowledge na hone aur work load ki wajah se hame deti hai krne ko apne head office se chipakr. ab is baat ki jankari inke headoffice ko lagi to unhone mera account ko seize kr diya ye kahkr ki ye illigle hai aur bank ko koi right nhi ki wo customer k account se charge krke mujhe payment kare. kal meri meeting pnb k circle head k sath thi jisme unhone ye sari batain kahi aur kaha ki account seize rhega mera aur inki inquary jb tk chalegi account release nhi hoga. aur quaries me 1 yrs tk bhi lag skta hai. ab plz mujhe suggest kare ki main is matter per kya kar skta hu yaha fault mera sirf ye hai ki maine ye work kiya but branches ne karaya tb maine kiya aur i have no idea ki wo payment kaise krte hai mujhe...
Advocate Sastry
(Expert) 17 September 2013
The work done by you was supposed to be done by the Credit Dept. of the branch... They cannot delegate this authority/work to outsiders... Did the Branch gave you any letter in writing for doing the work? Better to discuss and solve the matter with the Branch Manager..
Monesh Agrawal
(Querist) 17 September 2013
no sir they did't gave any letter.. and i asked with branches but they can't help us bcz this matter is points out by banks higher authority.
Rajendra K Goyal
(Expert) 17 September 2013
CIBIL record can not be seen with out a member's password. Whether the Bank officials gave you their password for opening the record of CIBIL.
Even if the password was given Bank officials are at fault. CIBIL site will reveal through whose password the record was taken out.
Bank may recover the money irregularly credited in your account by debit to borrower's / customer's account as this type of work was not to be delegated to you.
You have always right to ask Bank through RTI, what action they have taken against their officials for their irregularity.
Monesh Agrawal
(Querist) 22 September 2013
but sir i just want to know that banks have right to seize my account in that case??
Guest
(Expert) 22 September 2013
You have not made clear whether your account was being credited by raising direct debit to depositors accounts or you were receiving payments by banker's cheque from the PNB.
However, at first, your description reveals as if you were not awarded any formal contract for the job of credit checks by the bank and the work was probably being got done illegally by bank officils at their own without the permission of the authorities and against their own conduct rules, as Bank's employees.
Although that was not so serious to do a job asked by someone on payment, but withdrawing amount from depositors accounts and crediting your account, if done so, was a fraud being made by the bank's officials to favour you with illegal transfer of money out of depositors accounts. So, you were also treated as involved in the fraud, if your account was being credited by raising debit to depositors account. So, till the investigation is not completed and the bank officials are not cleared of the suspected fraud, your account would remain sealed.
A MATTER OF CAUTION FOR YOU: Presently, you seem to be worried simply with the blocking of your account, but if the transactions of direct debit/credit from depositors accounts to your account is involved, you may probably need to be ready to face some serious problem, if the Bank authorities prefer to lodge a complaint with police for that type of fraud.
So, better check, how the transactions were being made for credit in to your account, if not by banker's cheque.
V R SHROFF
(Expert) 22 September 2013
Don't take lightly.
Shri Dhingraji had rightly advised you.
so
BE PREPARED.
BANK DO NOT CLAIM ILLEGAL ACT BY YOU UNNECESSARILY . IT CAN BE CRIMINAL TOO.
Rajendra K Goyal
(Expert) 22 September 2013
Fully agree with expert PS Dhingra ji and V R SHROFF ji. It is hoped Bank will recover the money illegally credited in your account and matter is over, but if Bank prefer to proceed otherwise also, you may be in trouble.
Monesh Agrawal
(Querist) 25 September 2013
Sir, first bank charged the charges to customer's account and hold this money in suspense account after that they debit my account to my bill amount and rest amount transferred to bank income.
