Asked in Consumer Law, Criminal Law and Banking

Q: Forgery of my signatures on Bank cheques & documents

Bank refuses to email me copies of cheques and documents for verifying forged signatures, and they insist I visit in person, despite my absence in town? Can they deny sharing documents via email when fraud is done for Lakhs of amount?

Are there any legal laws which enforce bank to show the scanned copies of cheques & letters on email, when there is signature fraud.

1 Lawyer Answer
James L. Arrasmith
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Answered
  • Criminal Law Lawyer
  • Sacramento, CA

A: Yes, there are laws that require banks to provide copies of documents related to potential fraud or forgery. Here are a few key points:

- Under India's banking regulations and RBI guidelines, banks have to thoroughly investigate any reported forgery, fraud, or misuse of a customer's account. As part of this, they are required to provide customers with copies of relevant documents.

- The RBI grievance redressal mechanism requires banks to respond to customer complaints within stipulated timeframes. This includes providing requested documents related to the complaint.

- Banks cannot insist that a customer visit a branch in person if it is inconvenient or impossible for the customer. They are required to provide alternate channels - such as email, post, etc. - for sharing documents in case of disputes.

- Under the "Right to Information" laws, you can also file an RTI application requesting copies of the cheques, account statements or other documents with suspected signatures. The bank is legally mandated to provide these documents. Refusing information related to potential fraud can result in penalties.

In summary - the bank cannot refuse to share scanned copies of disputed cheques and letters with your forged signatures just because you cannot visit the branch. Doing so violates Indian banking rules and grievance mechanisms around account frauds. You should formally request these documents through email or RTI channels citing forgery and potential fraud as reasons. If still denied access, you can approach banking ombudsmen or the RBI.

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