Write an application to the bank for refunding the deducted money which the bank cutted from a government current account.? (School mid day meal current account)
Answers
Answer:
I would like to request a refund of all the default charges that have been applied to my account. I have Savings Account No. 000000000 maintained with your Bank. Recently there have been many unfair deductions from my account on part of administrative chargers etc.
Under the Unfair Terms in Consumer Contracts of your bank charges must reflect administration costs and cannot be punitive. I believe that the last three charges made on my account stating default/late payment of chargers are unlawful as they do not reflect the true cost of going into an unauthorised overdraft as there has been regular payment of charges thus the default/late payment penalties are not applicable.
You have deducted Rs. 2890/-from me, plus Rs.3 790 as overdraft interest charge and I would like to request repayment of Rs. 790. I also ask you to ensure any default notices entered against my credit record are removed entirely.
Please repay this money in full and remove any default notices within 14 days. If this is not done, I will begin a claim against you for the full amount, plus interest and my costs.
Your early action will be highly appreciated