DEAR SIR
I HAVE AN ACCOUNT IN SBI MAIN BRNACH SANGANERI GATE JAIPUR. ON 6.10.2010 I WENT TO ATM OF PUNJAB NATIONAL BANK INSTALLED AT KIRAN PATH MADHYAM MARG MANSAROVAR JAIPUR TO WITHDRAW 10000.000 INR.
I MADE THREE ATTEMPTS RECORDED IN THE ATMS SLIPS AS TXN 6831, TXN 6832 AND TXN 6837. THE ATM DID NOT PAY ANY AMOUNT TO ME AND ON THE SLIPS IT WAS NOTED "TRANSACTION DECLINED CODE- UNABLE TO PROCESS".
ON THE SAME DAY I INSPECTED MY ACCOUNT AND FOUND THAT IN EACH OFTHE THREE TRANSACTIONS NOS.6831.6832 AND 6837 10000.00 INR WAS WITHDRAWN FEROM MY ACCOUNT BUT WHILE IN TXN 6831 AND 6832 BY REVERSE WDL AMOUNT WAS DEPOSITED IN MY ACCOUNT, THE AMOUT OF TXN NO.6832 WAS NOT DEPOSITED IN MY ACCOUNT BY REVERSE WDL.
WHEN I REPORTED THE MATTER TO THE BRANCH MANAGER OF PNB AT AGARWAL FARM JAIPUR HE SAID THAT SINCE THE ATM NETWORK WAS CENTRALIZED HE WAS COULD NOT DO ANYTHING IN THE MATTER. HE ASKED ME TO REPORT MATTER TO SBI SANGANERI GATE JAIPUR.
ON 7.10.2010 I SUBMITTED A WRITTEN COMPLAINT TO SBI SNAGANERI GATE JAIPUR AND ALSO SUBMITTED THE PHOTOSTAT COPIES OF THE SLIPS ISSUED BY THE PUNJAB NATIONAL BANK ATM. I WAS TOLD THAT MY MONEY WILL BE DEPOSITED IN MY ACCOUNT SOON BUT SO FAR MY MONEY HAS NOT BEEN DEPOSITED IN MY ACCOUNT. I HAVE REPORTED THE MATTER TO THE CHIEF CONTROLLER ATMs.
THERE IS REASON TO APPREHEND THAT THE NETWORK OF ATMS IN INDIA IS FAULTY OR SOME FAULT HAS BEEN CREATED IN IT SO THAT THE PEOPLE ARE DEPRIVED OF THEIR HARD EARNED MONEY WHEN THE AMOUNT IS WITHDRAWN FROM THEIR ACCOUNTS AND IS NOT PAID TO THEM AT THE ATM AND THE TRANSACTION IS DECLINED.
IT IS HIGH TIME THAT CONCERNED AUTHORITIES SHOULD TAKE ACTION IN THE MATTER.IF THE ATMs CANNOT FUNCTION PROPERLY THEY SHOULD BE CLOSED. THE RESERVE BANK AND THE SUPERIOR COURTS, NAMELY SUPREME COURT AND HIGH COURTS SHOULD TAKE NECESSARY STEPS TO PROTECT THE MONEY OF THE CITIZENS SO THAT THE CITIZENS MAY NOT BE HARRASSED BY FILING COMPLAINS IN THE CONMSUMER FORUMS AND LODGING FIRs IN THE POLICE STATIONS.
JUSTICE A.K.SINGH
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