Criminal Trident Pack: IPC, CrPC and IEA by Sr. Adv. G.S Shukla and Adv. Raghav Arora
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R.kumar.bangalore (executive)     07 July 2011

Private Banking Harassment

Dear Forum members and senior members,

i come to know still the private banking and their agencies contiuing their harssment like telephone ,house visit to the middle class and those who are unable to pay their dues ,  what are all possible solutions to prevent and how to stop this people, this will be help ful to most of the people.



Learning

 4 Replies

J. P. Shah (RTI & CONSUMER ACTIVIST)     07 July 2011

Please visit:

https://www.lawyersclubindia.com/share_files/CREDIT-CARD-HARASSMENT-4971.asp

R.kumar.bangalore (executive)     07 July 2011

Dear sir,

thank you.  

Kumar Doab (FIN)     10 July 2011

The bank has to supply the customer the details of the recovery agency, and the bank can not employ pvt. Recovery agencies, RBI approved agencies can be employed.

Customer can ask the bank to supply the same i.e. Name of the agency, complete address, phone number with STD code, name of owner of the firm, designation and department of the competent employee, email id fax number mobile number, RBI approval number of the firm, in writing on the letterhead of the bank, under the original seal and signature of the competent employee. The recovery agent has to seek prior appointment from the customer before visiting, and has to carry notice issued by the bank and his original ID. If the agent misbehaves or is rude customer should call the police and lodge a complaint against the bank, and the original ID of the agent should be kept until branch manager does not appear in person and submits undertaking that agent is employed by the bank and name and address of the agency is .........If possible make a video of the incidence. Neighburers and councilor/ sarpanch/ panchayat member should be involved, as they can be a good witness and can lend moral and social support. Moreover together with them a representation to the local branch head and police SHO and commissioner /SSP should be submitted, with special reference to the abusive, coercive, threatening approach of the bank and that private agents were employed and bank intentionally and willfully did not supply in writing the complete address of the RBI approved agency employed by them.

Customer should also lodge a protest with local branch head of the bank and MD of the bank.

If the telephone calls have become harassment:

-Bank should supply the customer all phone numbers and address of the competent employee of the bank/recovery agency who wants to make a phone call, and that all phone calls shall be recorded and bank should supply an undertaking that bank agrees to accept the call recordings as primary evidence.

Please note that banks records the calls without obtaining consent from customer under the guise of “this call can be recorded for training purpose"

-Tell the calling person that bank has not supplied the name and address and phone numbers of the agency and without any authorization by the bank no discussion shall take place, since the matter is between and bank and customer.

- Ask the bank in writing to permanently delete the phone numbers and if bank want to approach the customer bank should apply for an appointment in writing and customer shall grant the appointment at a mutually convenient date and time. Bank employee/agent who comes for the meeting shall carry his original ID and shall handover the true copy of the minutes of discussion after the meeting then and there along with copy of his ID.

 

RBI has published details of the instructions to the bank on their website.

Customers shall have to unite and oppose the banks.

Customer can approach media, RBI, police, courts of law,against the bank.

Customer should ensure that the dues are paid in time.

 

 

R.kumar.bangalore (executive)     13 July 2011

dear kumar , thanks for your contribution. Here i found most of time comes, people are paid properly, due to economial position , unable to pay the money, those kind of people only getting disturbed and harssed.


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