My bank in Ghaziabad deducted unauthorized charges, how do I recover them?
AS Asked by Ashok Yadav from India
Quick Answer
Unauthorized bank charges constitute deficiency in service under Uttar Pradesh Rent Control Act 1972 and are actionable before the consumer commission in Ghaziabad.
Detailed Legal Analysis
Unauthorized bank charges constitute deficiency in service under Uttar Pradesh Rent Control Act 1972 and are actionable before the consumer commission in Ghaziabad. The Allahabad High Court has held that banks must obtain consent for any charge not disclosed in the schedule of charges.
You must file a written complaint with the bank and wait thirty days before escalating to the banking ombudsman. The Allahabad High Court has upheld that failure to reverse unauthorized charges entitles the consumer to compensation.
Under Uttar Pradesh Rent Control Act 1972, the consumer commission can order a refund with interest and damages for harassment. In Ghaziabad, you should retain account statements and the bank's response for your complaint.
Disclaimer: AI-generated for educational purposes only. Does not constitute legal advice. Consult a qualified practitioner.