I found this complaint on the consumer complaint forum and personally at many times have been at the mercy of my bank (ICICI) with their highhanded behavior of their staff, which I will rake up sometime soon. I hope BOB sends a letter of apology to the complainant and also bears the penal charges he had to pay due to cheque bouce and late payment. Below is the complaint I am copy pasting from http://www.consumercomplaints.in/complaints/powai-auto-works-c551002.html
We are a maruti authorised service station in Mumbai, running operations for almost two decades. We hold a Current account (039102000001229, MIDC, Andheri east, branch.
This letter is to bring to your kind attention the inconvenience caused to us due to an negligience and casual attitude of the bank staff at this branch. We had issued a cheque amounting to Rs. 1,25,000/ on 25-03-2011 (ch no: 289952) in Bank Of Baroda (Powai Branch) . Against this deposit, we issued a cheque to The Service Tax Dept on 31-03-2011.
To our utter surprise and shock on 05-04-2011, we just realised that our service tax cheque has bounced in spite of suffient funds in our account. After an investigation at our end we found out that the cheque which we had deposited on 25-03-2011 had bounced due to a differ in words and figures written on the cheque. This too was dawned on us as we tried to find out each entry in our account.
We are shocked that in spite of being a regular and old customer of your bank and also to bring up the current scenario of hi fi banking, there was no intimation from your bank regarding the same which otherwise would save us of the loss and inconvenience caused to us.
This has caused inconveniece and also a financial loss to us as now we have to pay a penalty to the service tax dept.
We have a valid question to you that is it not the duty of the bank to have informed us, so as it would have saved us of this loss. We have been banking with various other banks but regret to inform you that we have never faced such dire situations.
Hoping for a favourable reply and action in future.
Powai auto works