My bank in Kharagpur deducted unauthorized charges, how do I recover them?
SM Asked by Smriti Dubey from India
Quick Answer
Unauthorized bank charges constitute deficiency in service under West Bengal Premises Tenancy Act 1997 and are actionable before the consumer commission in Kharagpur.
Detailed Legal Analysis
Unauthorized bank charges constitute deficiency in service under West Bengal Premises Tenancy Act 1997 and are actionable before the consumer commission in Kharagpur. The Calcutta 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 Calcutta High Court has upheld that failure to reverse unauthorized charges entitles the consumer to compensation.
Under West Bengal Premises Tenancy Act 1997, the consumer commission can order a refund with interest and damages for harassment. In Kharagpur, 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.