Raman 28 January 2018

Replying to departmental SCN

I work in PSU bank. I got an SCN for negligence while working as forex officer. Some export credit account turned bad and I am being questioned for not exercising due diligence in monitoring the accounts. The observations are: 1. Not obtained credit reports of buyers 2. Didn't ensure whether the buyers were genuine and/or export did take place. My Branch Manager had instructed me against obtaining the credit reports verbally. He has also got an SCN for these accounts turning NPA.Don't have any proof. How should I reply so to close the inquiry's at SCAN level only. I believe accepting my fault will go against me, the management generally takes that as confession and proceeds further in the inquiry's.

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8 Replies

R.Ramachandran (Advocate) 28 January 2018

Dear Mr. Raman,

Within your own bank, there may be some Officers who are helping people affected like you in dealing with departmental enquiries and SCNs. Therefore, please approach them and take their help. This is for the simple reason that they may very well know the procedure involved in granting of such type of loan facility, the steps to be taken etc. etc.

Kumar Doab (FIN) 28 January 2018

Have you consulted/approached elders of the family, seasoned employee’s/trade union leaders, a very able senior LOCAL counsel of unshakable repute and integrity specializing in Labor/Service matters of unshakable repute and having successful track record?

Have you firmed up a seasoned defense assistant to defend you?

If NO then it is the immediate requirement, more so as per conduct of your boss in your case and approach of establishment and authorities in such cases...

Kumar Doab (FIN) 28 January 2018

Same Query;

https://www.lawyersclubindia.com/experts/Replying-to-departmental-SCN-670226.asp

R.Ramachandran (Advocate) 29 January 2018

Dear Mr.Raman,

Pl. visit the following link: https://www.lawyersclubindia.com/forum/Limitation-required-for-filing-suit-159029.asp

In that link, one Gentleman Officer Mr. Sivarama Prasad, having very good knowledge about the workings in Bank has answered certain queries. I find him to be having sound knowledge.

Therefore, please send PM (Personal message) to him regarding your problem and try to get help from him.

May GOD Bless you.

Kumar Doab (FIN) 31 January 2018

If you wish you can also benefit from other LCI experts as well…

LCI Experts;

Mr. Rajendra K Goyal has been with legal cells of Banks……….

Mr. Mallipedi Jaggarao, Mr. Parthsarthy Longanathan is from Banking Background…….

Unfortunately Mr. Sastry has expired……. Mr. Sastry used to participate in enriching discussions at LCI and contribute….

Kumar Doab (FIN) 31 January 2018

The discussions shall get you inputs and help to understand finer nuances and become properly informed of situation and options.

Hope you shall take it positively.

You have grossly erred by jumping to act on verbal command of said boss who has gathered business but has acted against on slightest opportunity and variance from SoP………….and you have posted that you have NO evidence…….

The employee should mind his/her interest, and not interest of bosses, his/her own employability and stay away from delinquencies, misconduct…… …

Needless to mention you may approach a very able senior LOCAL counsel, defense assistant to mind your interest……… as already posted, to defend you.

If think you can handle on your own and defend your interest; go ahead.

Wish you godspeed and grace of god...

Sudhir Kumar, Advocate (Advocate) 13 February 2018

while facing departmental inqiry one is entitled to call any service /retired govt/PSU employee to plead his case.

You may better check the CDA Rules of the bank and see whom you can call and select the person whom you can approahc. Legal professionals are not allowed in departmental inquiry unless permissted by appointing authroity.

family eleder, union leaders, seasoned employee may or may not be well versed in departmental inquiry procedure.