I am holding saving bank account no.1322534361 in Central Bank of India, Rishra Branch (Jayashree Extn. counter) distt. Hooghly, West Bengal. deposited account payee cheque No. 312874, dated 08 July issued by Senior Post Master, Srirampur Head Post Office draw on State Bank of India, Srirampur Branch Kolkata amounting 2, 62, 160.00 (Rs. Two Lac Sixty Two Thousand One Hundred Sixty only) in my above mention saving bank account on 20 July. After few days I checked the statement of my account and found that there was no credit against the cheque deposited. The fact was brought immediately to the notice of branch head of Central Bank of India, Rishra Branch. But after no action was taken by them, a written complaint was lodged with them on 03 August which was duly acknowledged by them on 06 August. But the proceeds of the cheque have not been credited to my account. I have also again sent a registered letter regarding the non credit of proceeds of the cheque to Rishra branch with copies to Kolkata Regional Office and Head Office of central Bank of India, Mumbai on dated 31 August. Till today I have received one/two phone calls from the bank assuring me that they are looking into the matter but no action has been taken by the bank. I also communicated with Mr. S.N. Jha (AGM Complaint) over phone. And I also lodged complaint with RBI two times: First Complaint on dated 10th September Complaint No. 2010111005001078, And second complaint on dated 01st October complaint no. 201011005001391. Where in I had given the details of how my hard earned money was swindled with the help of the employees of Central Bank of India, Rishra Branch, Kokatta and the hardship I had to face on account of the same. I had simultaneously approached the banking ombudsman, Kolkatta for the resolution of the same. The Conciliation meeting was held on 23.12.2010 in kolkatta in the office of banking ombudsman, who after hearing the case put question on the rightful ownership of the cheque. The banking ombudsman ignored the following points which showed that I was the rightful owner of the cheque: 1. I provided a certificate from the cheque issuing authority (Post Master, Head Post Office, Serampore) that the cheque was issued in my favor. 2. I produced the original pay in slip of the Central bank of India duly acknowledged by the bank that they have received the cheque for collection. 3. The account (with SBI Serampore) in which the cheque was deposited and credited was opened after the issue date of the cheque. The issue date of the cheque was 08.07.2010 whereas the account opening date in SBI was 23.07.2010. Whereas my account with the Central Bank of India is an old account which has been opened several years earlier. 4. Amount of Rs. 80, 000.00 (40, 000.00 40, 000.00) was withdrawn in cash from ATM on 25.07.2010 & 26.07.2010. 5. The debit card was used for purchase of Rs. 17, 000.00 on 26.07.2010. 6. When the person tried to withdraw another Rs. 45, 000.00 from the SBI the bank official somewhat delayed the processing of the cheque no 751472, the tendrer left the bank leaving the cheque behind, which showed the mall fide intention of the person. 7. SBI tried to trace the account holder and found that the address provided by him is bogus. The Banking Ombudsman has ordered that the matter be reported to police and let them establish the rightful owner of the cheque. This procedure you know is a very lengthy and the only one suffering from this will be me, whereas the wrongdoer i.e. The Central Bank of India, with whom I had deposited the cheque under trust that they will collect the amount on my behalf, will go scot-free. Please do the needful.
Sanjay Das
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