Credit Card -Illegal lien on my Savings bank Account?

Question

Sir/Madam,

This is to lodge a complaint against Bank Credit Card Department who has illegally put the amount in my savings account on lien for credit card outstanding. There was absolutely no communication (via email, phone call and hard copy letter).

Due to this I have cheque bounces on my account. When I enquired about this they talked very arrongantly and said that they have authority to do whatever they want on our savings bank. When I have asked for a settlement on my card they told I have to pay an amount of 55,000 for an outstanding of 68,000. My account was blocked 
I was not at all contacted either by Credit Card Dept or Recovery Dept. Now they are telling that they'll not remove the blocking until unless I pay the total outstanding. Bank Savings Account is my salary account and it is connected for ECS for my personal Loan Accounts. Because of this all my cheques are bouncing. 
 

particularly look for answers to the following queries from my side:

1. Why wasn't I contacted about details regarding the case, during the case investigations at all?
2. Why was I not informed about the one sided decision taken by the bank?

How can credit card department put amount from my saving account on lien for recovery without informing me/ my authorization?

I would like to lodge a case against Bank. Also, please remove the lien on my saving's account at the earliest.
I request you to please contact bank and remove lien on my savings account.

Answer 1

Hi Sowrabha,

The outstanding amount is huge. You must have received several reminders through SMS and email. Legally the Bank has right to mark lien on your credit balance lying in the Savings account and fixed deposit.