How to get the documents from bank in case of fraud loan

Sumeet (Querist) 27 December 2020 This query is : Resolved
Hello..

Someone has taken loan on my Grandmother's Land and When I am going to bank to see all the documents of the Loan, The bank manager is saying that you are not a party of this loan and we cannot share the documents of loan with you.

What should I do to get the documents of the loan?

RTI, Bank of ombdusman , CM Window

What is the right approach to get the documents from the Bank?

Please guide me.

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Quick Summary

If a loan has been taken out fraudulently using your property, obtaining the loan documents from the bank can be challenging as they may refuse access. While RTI might seem like an option, banks may cite fiduciary relationships to withhold information. A more effective approach could be to file a complaint with the Banking Ombudsman or initiate legal proceedings, which can compel the bank to disclose the documents and address the fraud.

kavksatyanarayana (Expert) 27 December 2020
You can ask the bank authorities to issue the copy of the loan documents through RTI. If you cannot get proper reply, appeal to the next higher authority of the said bank.

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rajeev sharma (Expert) 28 December 2020
Don't go RTI way. The bank will take shelter of fiduciary elationship and will not provide you any information. Making a complaint with banking ombdusman may be a good alernative if you are loacated at the place where the office of ombdusman is situated. If it isa not so fie a complaint case against the bank officeials this will force the bank to come out with all documents and if really a frud is committed it will give you real relief.

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Dr J C Vashista (Expert) 29 December 2020
Whether provisions of RTI Act, 2005 are applicable to Bank(s), which is not a public authority ?

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