Lucknow
16 June
Dear Sir,
SUB: Non –credit of proceeds of cheque for Rs 27286.93 to S/B account number 06450100001918 with Bank of Baroda, Chowk Branch Lucknow (Uttar Pradesh)
Sir,
I had sent the following three cheques along with one pay in slip on 5th April though my younger brother Shri Pradeep Kapoor for depositing it in your Chowk Branch Lucknow for credit to my SB a/c no 06450100001918 with it.
Sl. No Cheque Number Drawn on Amount
1 664145 Bank of Rajasthan Aliganj, Lucknow 27286.93
2 276673 SBI Lucknow 650.00
3 007210 Union Bank of India, Lucknow 250.00
My brother approached the Savings Bank counter of your branch to tender these cheques but was told by dealing staff to drop it in the cheque drop box. Thereafter he approached the Accountant of the branch but the gentleman also refused to take the cheques directly under acknowledgement and instead directed him to drop the cheques in the cheque drop box. Therefore, he was forced to drop cheques in the drop box.
When I reconciled my SB a/c on 09th June I observed that only Rs 900/- has been credited to my SB A/c instead of Rs 28186.93 and one cheque mentioned at Sl. No 1 above (for Rs. 27286.93) out of the three cheques dropped in the cheque drop box on 5th April had not been credited to my account whereas the same had been debited to the drawers SB account with the Bank of Rajasthan. I immediately rushed to your Chowk Branch, Lucknow and met Mr. Balmiki Manager (Operation) and Shri Pradeep Srivastava Chief Manager. They took out the vouchers and told that the above cheque appears to have been misplaced on 10th June. I submitted an application to the above Branch with the request to credit the proceeds of the above cheques along with interest but no response had been received in this regard.
Meanwhile, the drawer of the cheque in question enquired about the fate of the cheque from her bankers- Bank of Rajasthan, Aliganj branch, Lucknow and was astonished to know that the cheque in question has been paid to someone across the counter on 05 April itself.
I am at a loss to understand as to how a crossed cheque dropped at the cheque drop box of the Bank of Baroda, Chowk Branch, Lucknow for credit of my SB a/c with the Branch had found its way out and presented at the counter at the drawee Bank- Bank of Rajasthan, Aliganj Branch, Lucknow on the same date and the Bank of Baroda, Chowk Branch, Lucknow kept mum all these days when only two out of three cheques tendered along with one pay in slip were presented by it for clearing!
This is not possible without the active connivance of the bank staff or the agency, if any, involved in the process of clearing. It is all the more surprising that the Branch management is not taking any action on my complaint and has even refused to give the photo copy of the pay in slip tendered on 05 April along with the three cheques in question. I have been visiting the branch almost daily but without any result.
I have been put to inconvenience and loss due to the negligence and deficiency of the Bank of Baroda, Chowk Branch, Lucknow. I, therefore, request BOB officials through your forum to order for a high level investigation in the matter and also make good the loss suffered by me failing which I shall perforce be compelled to take criminal and other appropriate action against the Bank for redressal of my grievance, damages, costs, etc.
Please acknowledge receipt.
Yours faithfully
(Dr. Deepak Shodhan Kapoor)
313/29, Khun Khun Ji Road,
Chowk, (opp. Chowk Post Office)
Lucknow- 226003
SB a/c No. 06450100001918
Mobile No. 9839298636
Landline No. 0522-4021656
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