Bank transfers ₹48k to wrong account, held guilty for ‘careless’ transaction
Pradeep Tripathi, from Parel, found that the money he wanted transferred to the account of a business supplier in Chandigarh was sent to the account of an unknown person in Hyderabad. The bank was recently ordered to refund the amount along with a compensation of around Rs32,000.
A district forum had ruled in Tripathi’s favour in June 2018. But the bank moved an appeal before Maharashtra State Consumer Disputes Redressal Commission.
The commission upheld the district forum order. “The forum rightly held that the correct account number was written by the complainant (Tripathi) on the RTGS transfer slip but opponent (Canara Bank) did not verify before making the transfer and had done it carelessly, and transferred the amount to a different account. The forum correctly held that the complainant was not responsible for the mistake by the bank and it was guilty and responsible for the deficiency in service,” the state commission said.
Tripathi told the commission that after he realised his money was wrongly transferred, he informed the bank, and told it to credit the amount back in his account, but it was not done. Tripathi said he moved the district forum in 2015 after his efforts for a favourable solution from the banking ombudsman failed.
The bank claimed Tripathi provided the wrong account number, which was clear from the RTGS slip. But the state commission said it had gone through the main copy of the slip and found that the number ‘6’ in the account number seemed to have been corrected as ‘8’ by overwriting. It observed that there was no initial or authentication for the correction.
“In normal case, the bank never accepts such overwriting without any initial or authentication. Therefore, the overwriting or correction is done subsequently, and not by the complainant,” the commission said.
It said this was obvious from the acknowledgement slip given to Tripathi with the bank stamp and seal, which showed the wrong account number without any correction or overwriting.
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Want to know where your Aadhaar number has been used? Here’s how to check Aadhaar authentication history
The Unique Identification Authority of India (UIDAI) website allows Aadhaar holders to check their authentication history. You can carry out this process all by yourself.
New Delhi: The government has made Aadhaar linking to various instruments in order to benefit from schemes. The Unique Identification Authority of India (UIDAI) website allows Aadhaar holders to check their authentication history. You can carry out this process all by yourself, nobody else can authenticate on your behalf.
If you come across a transaction which was not carried out by you then contact AUA (authentication user agency). You can raise the issue with UIDAI by calling 1947 or by mailing about the suspicious transaction to help@uidai.gov.in.
Here is the step by step process to check Aadhaar Authentication History online-
1. Go to UIDAI’s official website- uidai.gov.in
2. Under my ‘My Aadhaar’ tab, go to Aadhaar Services and then click ‘Aadhaar Authentication History’.
3. On the Aadhaar Authentication History page, enter your 12 digit UID and then mention your security code. Click ‘Send OTP’.
4. The one-time password (OTP) so generated, is sent to your registered mobile number.
5. In the next step, select the Authentication Type such as demographic, biometric, OTP, biometric and OTP, demographic and OTP, and demographic and biometric, date range, number of records you wish to be displayed and enter OTP. Click the ‘Submit’ button.
6. On the page opened, you will be able to see the authentication history along with authentication modality, date, time, the name of the AUA.
One important point to note here is that you can see a maximum of 50 records at a time of the past six months. In case you wish to find a specific transaction, select the specific authentication type and the relevant date range.
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NRIs can vote online
Those who hold Indian passport, can now vote online for 2019 elections. Please register yourself on https://eci.gov.in There is a link Enroll as NRI voter.
Click Here for Form 6A – Application for inclusion of name in Electoral Roll by an overseas Indian elector.
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POLICE NOC is now Online
No Need to Go to Police Station for getting Rent Agreement NOC
Just have to Login to “Citizen Portal” website Maharashtra Police & enter details of Licensor & licensee.
Upload the documents & Take a Printout…
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