Salary payment?

Question

My account with bank boat club in pune. My salary was hold for the payment regarding to credit card. How bank was hold my payment. As I settled my card. One payment is done for my side. Another is pending. But my full salary was hold. I m not survive without salary. This is serious issue. If my salary was not released I m gona finished my life. And all blame the  bank. Plz resolve my issue as early as possible.

 

Answer 1

Chandrashil,

At the outset, let me clarify that this site is designed by a group of Senior Banking Professionals to assist Bank Customers at large to provide guidance for resolution of any query / complaint / grievance in respect of financial services.  This site does not belong to any Bank or a Regulator, which may please be noted.

If I understand correctly, your account is under lien for the full amount lying in the account. Although you have mentioned that you settled one payment but another is pending. It is not clear whether outstanding on the card is overdue or not. If you have made one payment, you may approach Bank for release of lien marked on your salary account and you request them to recover outstanding in 6/12 monthly instalments from your salary credit. Since you have made part payment, it is quite likely that Bank might accept your request. You can also tell the Bank officials that holding back salary means difficult to sustain monthly expenses, hence request for recovery by way of monthly instalments. What you have mentioned in the mail is not the solution to your problem rather you try to solve the problem amicably by having one-on-one discussion with senior Bank Officials. You may also escalate the issue to the nodal officer - grievances whose coordinates would be available on the Bank's website. If you do not get satisfactory response in 7 days, you may approach Banking Ombudsman for resolution.

I, once again, suggest you to resolve the problem amicably by having proper discussion with Bank Officials.

Regards

Deepak