Urgent legal query
Querist :
Anonymous
(Querist) 24 July 2026
This query is : Open
I am a guarantor for an Overdraft (OD) loan sanctioned by Bank of India (home branch is in another state), and my personal property is currently mortgaged as collateral. To assess my contingent liability, I visited my nearest networked branch (Salt Lake Barasat) to request a copy of the Sanction Letter and Statement of Account.
The local branch manager outright denied my request. He falsely claimed that the bank cannot share loan details with a guarantor and stated I must physically travel to the out-of-state home branch. Furthermore, he refused to provide an official "Received" stamp on my formal written demand letter and failed to forward my request through their Core Banking System (CBS).
Given my co-extensive liability under Section 128 of the Indian Contract Act and RBI Fair Practices Code, what is the exact legal procedure to compel the bank to provide these documents without traveling out of state? Is my best next step to issue a legal notice to the Zonal Manager or immediately file a grievance on the RBI Ombudsman CMS portal for deficiency in service?
