Dear Mr. Vikas,
First of all you reply taht whether both the problems of yours are connected together or not. now let us treat both your problems are separate :
1. For first problem of yours, The very first thing you have to note, that by taking money from the debit card, one has to use the ATM, and the bank is having records for some time, that on which date, from which number who took the amount. for taking the money from ATM, one has to know the password, which is believed that only the owner is knowing the password, the next thing, is that at that time you have to lodge the complaint in the police station. If your card was forcibly taken by the bank, then the case may be registered even for dacoity, robbery, extortion, or any other section best suited to your case, remember a case under section 503 or 506 may also be registered if he feared you for making some harm. If he entered into your house forcefully, then you may also book him for house trespassing, etc.
The next important thing to note is that what is the harm made to you, if no harm then it is upto you to lodge the criminal complaint or not. but it is advisable to do so at the earliest possible opportunity.
2.Now let us talk about your second problem. If the bank does not show such amount in your account, then you may report to the bank, and if it does not do so, then lodge a consumer complaint by filing the documents from the bank from which you made the draft, as the draft itself shows that it is being made in whose favour. furthermore, you may lodge a criminal complaint to the police (not FIR ) specially stating, that the same act, may be exploited by the bank at any time in future.
Now here I would also like to suggest that the court in which the bank has filed a criminal case under section 406, 420 of IPC against you, you may file an application under section 340 CrPC in the same court against the bank, and may prove your case in the same court.
Your sincerely,\
MANISH , Advocate.
