Due to the wrongful dishonour /misplace of the demand draft /cheque
as i am very far off place from his home and it resulted in loss,
mental agony and hardship to him. The primary duty of a Bank is to
safeguard and protect the interest of their customer.
Banks must be ever vigilant and solicitious about the interests of
their customers departure from such standard can cause inconvenience
not only to stray individuals but widespread economic disaster. In
view of the above it was held that where the bank caused unexplained
delay in the mail transfer of money it amounts to deficiency in
service for which bank is bound to compensate
I also wish to bring to your notice that you are making contradictory
communication that you have not received cheque no 899103 deposite
my account and other mail saying that cheque is received and then
lost by bank.
The bank is deficient in providing service in not telling the truth
and not forwarding copies of the lost letter to me to enable to ask
employer to issue a new cheque.
The records showed that the bank made mistakes, on more than one
occasion, in crediting cheque of my wages and making
contradictory communication that they have not received cheque,
hence the bank was held liable for deficiency of service so, affected
the confidence in the banking system
bank is liable for deficiency in service for inordinate delays in
providing banking services and the customer of the bank is entitled to
claim compensation for the loss and the injury suffered by him due to
the inordinate delay in the payment of the amount of wages
Hence the bank has clearly shown utter negligence in clearing my
wages cheque a huge amount of Rs.358, 000/- to my account and thus
caused loss finacial losses to me. There is clearly lack of good
faith on the part of bank. When cheques was diposited to the bank
for collection were lost due to negligence of the employees of the
bank and as an account holder i cannot be made to suffer. and a
person holding a savings bank a/c with a bank would fall within the
definition of consumer under the Consumer Protection Act and, In the
circumstances, i am entitled to claim the loss and the bank is liable
to pay interest till the time my wages diposited to my account
(aproximately one month delay due to misplace of the cheque), i am
entitled to get interest at prevailing rate of from date of deposit
of cheque till receipt of the amount, and also the bank to fix
responsibility of its own employee (s
sabhajit yadav
**********************************************************************************
Dear Mr. Yadav,
Your HSBC Account Number: 005- xxx xxx -006
Reference Number: 2007556080
We refer to your secured message of 23 July received through
online@hsbc, regarding cheque deposit.
We inform you that as per the revert from the relevant department the
cheque has been lost and the lost letter has been sent to your mailing
address for the cheque 899103 and you will receive the same within
fifteen working days. We request you to follow instructions as mentioned
in the letter.
A complete list of our Phone Banking numbers is available at
http://www.hsbc.co.in/in/personal/phone.htm
Yours sincerely,
Hemapriya N
Customer Service Executive
The Hongkong and Shanghai Banking Corporation Limited
You can avail the nomination facility on all your HSBC bank accounts.
For details, please visit www.hsbc.co.in/accounts or your nearest HSBC
branch.
================
Dear Mr. Yadav,
Reference Number : 2007554015
We refer to your email dated 21 July received through
[email protected] regarding concerns on your HSBC Personal Banking
Account.
We inform that we have not received the cheque at the clearing team. We
trust that our official have contacted you and have have requested to
place a stop payment on the cheque and to deposit a fresh cheque.
We confirm that the cheque 899168 of INR 358, 000.00 has been credited to
your account on 20 July.
For an online demo on Internet Banking and more information on our wide
range of products and services please visit our web-site www.hsbc.co.in
Yours sincerely,
Diya Anna Koshi
Customer Service Executive
The Hongkong and Shanghai Banking Corporation Limited
You can avail the nomination facility on all your HSBC bank accounts.
For details, please visit www.hsbc.co.in/accounts or your nearest HSBC
branch.
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