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Originally Posted by pramodkumar File a complait with the banking ombudsman, Tell them that you are the only earner in the family and with the money gone out of your account you were unable to pay up your loans and had to borrow the money from some people to meet ends. The banking ombudsman is a very proactive body and there are derictives from the RBI to banks to handle such issues.
My pont is you can claim some damages for the mental agony you have been through.
Pramod |
yes i am planning to file a complaint to banking ombudsman and collecting all the documents i am having
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Originally Posted by vdiatech It is sad that you had to go through this. I know the feeling when you are ripped off your hard earned money.
I am sure, PNB will revert back the money. But I think in India this may take a lot of time.
It is difficult to prove that you are a victim of fraud when your internet banking passwords or the ATM PIN is compromised . I think PNB will wait for the police ( Cyber Cell ) to confirm that there indeed has been a fraud before reverting the money.
The bangalore guy, would simply say, you transferred the money to him ! This will prolong the process.
Then comes, IP Address checks, HDD checks , some special treatment from police etc. If the police are not able to prove that a fraud has been committed then the bank may not revert back the money. This is purely my opinion.
Hence the alerts against phising scams and how important it is to safe guard your PIN.
Talk to your bank managers, they are understanding and can offer you an interest free credit of the disputed amount until this is sorted, so you dont face any hardship.
Ps: How was your account details compromised? Phising ?
If your log in records prove that there were only a few minutes difference in between IP address from different cities, then you get back your money quickly. If there is a few days difference then it is difficult
All this presuming funds transfer were initiated online ! |
i dont know how my account secrecy has been comprised as last i login in my account was mid november and i am using online facility of icici long time back so i know how to keep online account safe but still it happened.
secondly it is not only me who was got nabbed but two other persons within 2 minutes during this hacking.
the bank employee showed me on his computer about the transaction in which it is revealed that r. jayram account has been credited by my money and by other two persons money.
talking about manager of my branch--he is acting like nothing has happened and giving very cold vibes. he also saying that process by the bank head quarter is going on and the bangalore branch is not telling him anything.
finally it can be proved that i have not transferred the money to him by investigating the ip addressif it has been transferred by me than the ip address should be reflected of my place that is kurukshetra.
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Originally Posted by iamswift The bank can defend saying that you yourself compromised the internet password and it could not do anything on this.
Your only chance is that police nabbing the culprit.
But that should not deter you in filing the complaint with ombudsman. Still go ahead and do it.
What happened to circle head of PNB in Karnal you talked to earlier?
Did you check the status with him?
Is he not responding anymore?
You could get the status atleast from your branch manager.
The information regarding the status check is missing in your post. |
i checked the status by asking bank manager after every few days and he says always that bank process is going on and dealing by the head quarters and showed me some papers where he sent my complaint to head office.
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Originally Posted by BaCkSeAtDrIVeR Strange that the bank and police are remaining quiet for such a long period.
Big question - How did the bank get name of this Jayaram?
If he logged into your a/c, he has to use YOUR name and account number, not his.
Does this account have any net banking priveleges?
If so, did you get any email from PNB asking you to visit any specific site?
I have received several mails claiming to be from PNB, and I had posted one such mail here (some other thread related to phishing). A complaint sent to their site admin did not elicit even a bare acknowledgement. I do not have any account with PNB.
Frauds related to banks are to be investigated by the CBI / (probably, the newly formed national investigation agency). Check if you have one in your area, and file complaint with them direct.
This is a crime, and you are wasting your time with the ombudsman. I have recommended approaching teh ombudsman in some other context, not this one. Take a day's leave tomorrow, and contact the CBI / NIA immediately. |
the police is also acting like a slave to them, in last one month they were just hanging around and doing formalities and they have not even traced whether the bangalore branch has filed a FIR or not and by pressurising them, yesterday they gave a letter to my branch manager stating to reveal whatever they have done in last one month and the manager has sent that to headquarters.
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Originally Posted by J.Ravi By seeing the recipient's account number in Internet banking transaction details, the beneficiary account holder's name can easily be identified by the bank.
While availing of Internet banking facility, the customer takes all responsibility and risk against frauds by signing the bilateral agreement with the bank with many fine prints. Only Police can make the fraudsters confess the crime and charge-sheet the criminal. |
i know every bank has fine prints but i guess they cant just escaped like this. secondly these points make my case stronger--
firstly i informed them about the hacking within few hours after the incident.
secondly the hackers account was siezed and money was in the account technically( the hacker took out money by so called proxy account of bangalore branch)
thirdly i am bit suspicious that whether bangalorebranch approached the police for FIR.
fourthly the hackers account is verified one where he is too a PNB customer.
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Originally Posted by BaCkSeAtDrIVeR I feel that the banks are being very lax on fraud and phishing scams. I used to forward most scam / phishing mails with full headers to the respective banks. but till date, I have not received any response from any of the banks. This is sheer criminal negligence on part of the tech and legal guys at the banks.
It is hardly 10 seconds effort to trace out the origin and modus operandi of a phishing scam. While the mail itself may originate from a compromised computer sitting at some innocent person's home, the owners of servers and sites which host the phishing pages can be easily traced out.
I repeat, all it requires is 10 seconds to trace out the fraudesters behind a phishing scam.
Here is another thread on similar issues:- http://www.team-bhp.com/forum/shifti...ll-text-5.html |
i know that if they had taken interest and proactive they would have solved this way back but unfortunately that is not the case.
and really i can only understand from what mental torture and harressment i am going through everyday, as i cant forget that those money was my hard earned money and is just going out of my hand. also i am left alone as no one is there who can assist me wat to do in these situation and fighting alone from last one month is reallly a havoec but i am still striving hard.
now after doing all this what should i do next. if you guys can help in assisting me!