I lost my debit card a few days back and by the time i realised, the next day ,i lost it some one had swiped it 4 to 5 times. My account balance was almost nil.
Now i wanted to fill a card holder dispute form at the HDFC bank but they are asking for a FIR, I have already complained to the police but they have given a small slip which says form 76a. Now the HDFC people are not ready to raise a complaint without an FIR. And also i don't think the police will agree to register an FIR.
Now i want to ask
1. Wether the FIR is really necessary in this case or the bank people are just playing with me
2.Also i went to a store where the card was swiped and saw the signature which was made it was just scriblled no where similar to mine. Will the bank accept that transcation..
3.Two transcations were done at Reliance digital outlets now in my statements i don't get the exact address of the transcation, Exact outlet at which the card was swiped. As there are many Reliance digital outlets in the city i cannot find the exact one. Also when i asked the bank to provide the exact details of where the card was swiped the bank is saying that they need 4 to 7 days to tell me the same and also need to give in writing.
4. Also if i report the lost card within two days it is lost i will lose 50$ as i read somewhere. I have informed the bank orally and not in writing. Do I need to give in writing?