On 31st October, 2000 my father retired from his service from Ministry of Railway and the pension holder of Ministry of Railway.
On 21st January 2003 my father died and thereafter my mother got her share of family pension on regular basis form a nationalised bank but suddenly on 31st October, 2014 the bank informed her that an excess payment of nearly 4,00,000 was made to her and she had to repay it as soon as possible.
Now she is completely dependent on her family pension and she does not have any fixed amount or other income and she is now 70 years old what does she do...........
1) Can bank recover the amount payment in excess from her pension account without her permission?
2) Is it possible for my mother to repay the excess amount to the bank by monthly installment and how much it may be.