Legal Notice to Bank for Deficiency in Service Format

[ON THE LETTERHEAD OF THE ADVOCATE]

By Registered Post A/D & Email

Date: [DD/MM/YYYY]

To,
1. The Branch Manager, [Bank Name], [Branch Address]
2. The Principal Nodal Officer / Grievance Redressal Officer, [Bank Name], [Address]

Subject: Legal notice for deficiency in service in respect of account / loan no. [Account Number] — [unauthorised debit / wrongful charges / non-return of documents / other].

Sir/Madam,

Under instructions from my client, [Customer Name], of [Address], holder of [savings / current / loan] account no. [Account Number] with your [Branch] branch, I serve upon you the following notice:

1. That on [DD/MM/YYYY], [describe the event, e.g. "an amount of Rs. ___ was debited from my client's account through ___ without my client's authorisation"; or "your bank levied charges of Rs. ___ described as ___"; or "my client closed loan no. ___ on ___ but the original title documents have not been returned"].

2. That my client reported the matter to you on [DD/MM/YYYY] by [phone banking / email / branch letter], complaint reference no. [___], [within ___ working days of the transaction].

3. That despite the lapse of [___] days, you have [not resolved the complaint / rejected it without reasons / given an unsatisfactory reply dated ___].

4. That your action is contrary to [the applicable RBI directions on customer protection / your Board-approved policy / the terms of the account or loan] and amounts to deficiency in service under the Consumer Protection Act, 2019.

I therefore call upon you, within fifteen (15) days of receipt of this notice, to [reverse / refund Rs. ___ with interest at ___% per annum from ___ / return the original documents and pay compensation for delay / correct the credit information reported to the credit bureaus], and to pay compensation of Rs. [___] for the loss and harassment caused, failing which my client shall approach the RBI Ombudsman and/or the Consumer Commission for appropriate relief, at your cost.

[Advocate Name]
[Enrolment No. / Contact]