My bank in Ludhiana deducted unauthorized charges, how do I recover them?
JA Asked by Jaya Lakshmi from India
Quick Answer
Unauthorized bank charges constitute deficiency in service under Punjab Rent Control Act 1995 and are actionable before the consumer commission in Ludhiana.
Detailed Legal Analysis
Unauthorized bank charges constitute deficiency in service under Punjab Rent Control Act 1995 and are actionable before the consumer commission in Ludhiana. The Punjab and Haryana 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 Punjab and Haryana High Court has upheld that failure to reverse unauthorized charges entitles the consumer to compensation.
Under Punjab Rent Control Act 1995, the consumer commission can order a refund with interest and damages for harassment. In Ludhiana, 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.