I AM THE FIRST HOLDER OF THREE FD`S WHICH ARE IN MY POSSESSION TILL DATE. 2ND HOLDER MY WIFE & 3RD HOLDER MY SISTER WHICH HAD MATURED IN OCTOBER 2010.ON MATURITY DATE THE ORIGINAL FD`S WERE PRESENTED TO THE BANK DULY SIGNED BY ME AND MY WIFE FOR ENCASHMENT.
THE BANK REFUSED TO ALLOW ME TO ENCASH THE FD`S SAYING THAT UNLESS I DEPOSIT 1/3 RD OF THE MATURED PROCEEDS IN MY SISTERS ACCOUNT THEY WILL NOT PROCEED WITH MY ENCASHMENT EVEN THOUGH THE INSTRUCTIONS ON THE RECIEPT CLEARLY MENTION “EITHER OR SURVIVOR” AND AS PER RBI RULES THE SIGNATURES OF THE SECOND HOLDER & THIRD HOLDER ARE NOT REQUIRED IF THE FIRST HOLDER IS ALIVE AND IS A SIGNS AND SUBMITS THE ORIGINAL RECIEPTS IN HIS POSSESSION FOR ENCASHMENT.
TILL DATE THE BANK HAS REFUSED TO ALLOW ME TO ENCASH THE MATURED PROCEEDS WITH INTERESTS AND
ILLEGALLY FROZEN THE ENTIRE AMOUNTS INSPITE OF MAKING ME RUN FROM PILLAR TO POST AND INSPITE OF SENDING THEM LEGAL NOTICES ON SOME PRETEXT OR ANOTHER THE BANK HAS BEEN ILLEGALLY HOLDING MY FUNDS FOR MORE THAN A YEAR.

I AM A SENIOR CITIZEN AND THINK THE BANK SHOULD BE PENALISED FOR THEIR HIGH HANDEDNESS IN THIS MATTER AND SHOULD BE DEALT WITH AN IRON HAND SO THAT IN FUTURE THEY DONT DARE TAKE A CUSTOMER FOR GRANTED
THEY SHOULD BE MADE TO PAY DAMAGES FOR THE HARASSMENT AND TRAUMA CAUSED TO A HELPLESS SENIOR CITIZEN JUST BECAUSE OUR HARD EARNED MONEY IS IN THEIR POSSESSION.
TRUST JUSTICE IS METED OUT RIGHTFULLY IN THE MATTER TO ME AND IN THE LARGER INTERESTS OF CONSUMERS . AS THE GOVERNMENT PROFESSES “JAGO GRAHAK JAGO” TO PROOVE THAT RIGHT AND NOT MIGHT IS RIGHT JUST BECAUSE WE ARE INDIVIDUALS.

THE BANK HAS NO RIGHT WHATSOEVER TO HOLD UP THE ENTIRE FUNDS

THANKING YOU IN ANTICIPATION