Banking ombudsman

It says, your complaint being closed, "cause the grounds on which you made a complaint might not covered there !! 

Explain your case in detail, I can help you out

Two years back I too had filed a case against SBI, and I won it got the compensation of Rs 25,000 along with Rs 1,000 disputed amount

Dear Mr.Prakash,

I had an FD for Rs 19 lakhs maturing on 7.11.2011 and six one lakh FDs maturing on 08.08.2011 both for 1000 days at 9% and 10.5% rate of interest with SBI.Also I had a capital gains avoidance FD for 4750000 for 9% interest for 1000 days maturing on 21.10.2011.

For want of funds, I took loan on 19 lakhs and six one lakh FDs on 30.04.2011 and the SBI gave (90% of the capital 19+6 =25 lakhs) Rs 2250000 as loan at 1% interest more than FD rate.

I was surprised to see the interest charged was 11.5% for the loan account and it was treated as single loan account instead of seven  loan accounts on internet banking and i brought this to the notice of the bank and they asked me to come to the bank at my convenience and assured that they will rectify their errors with back date effect.

I went to the bank on 7.7.11 and  i needed another 6 lakhs at that time. I requested them to give loan of 6 lakhs on my capital gains avoidance FD. The manager refused . I told him to give loan against the interest accrued to the tune of 10 lakhs to my CGFD account on that date as it does not require IT clearance as the interest accrued was my own money. But the manager refused and asked me to preclose my 19 lakhs FD and six one lakh FDs to get that six lakhs.Hence, I requested to open  seven loan accounts as promised earlier and then to prematurely close only Rs 19 lakhs FD if the loss is minimal ( less than 50000) from the maturing amount as i have other sources to arrange this six lakhs if the loss is more than 50000.

The computer was not allowing the bank officer to correct his previous mistake of opening sinle loan account, hence he closed both 19 lakhs and six one lakh FDs and caused us a loss of Rs 2 lakhs.

Hence, I wrote to banking ombudsman proving him that SBI was wrong ,by providing correct calculation and proving them other sources of funds at our disposal on that date for six lakhs. Also , I wrote to him that advise to prematurely close our seven FDs by SBi was wrong because they could have easily given six lakhs as loan from the interest accrued on CGFD. 

I also proved that we had enough funds on 15.08.11 to close  the loan account of 2250000.

They had committed six other deficiency of services apart from this and that also i have proved with documentary evidences and i asked for a compensation of Rs 5 lakhs and return of my loss of Rs 200000 as they have wrongly advised and wrongly opened loan accounts and wrongly closed our FDs.

 Kindly guide me now where i have to go for a speedy resolution , consumer forum?

Thank you in advance Mr.Prakash.

Bhayya..!!

Useful contact details of SBI  on this link..check it once for complaint forms

https://www.statebankofindia.com/user.htm

All the best   @ subra

Complaint No. 201516xxxxxxxx got disposed, under Not on the grounds of complaint referred to in clause 8 or otherwise not in accordance with sub clause (3) of clause 9
 

SBI has by mistake merged two separate person CIF and due to this, all accounts and data merged including Pan, Name, Mobile Number

I got netbanking rights of other person too.

On dated 02/02/2015, banking ombudsman claused my complained with above mentioned clause

80 % Complained solve but netbanking rights of other person remained with me after closing of complained

Please guide me what alternative with me ?

Can I file appeal to deputy governor against above mentioned Award ? As I read, complained closed with clause 13(a), we can file appeal only if closed with clause 13(c) to 13(f). Am I right ?

Please guide me what alternative with me ?