Monday, April 16, 2018

False charge sheet -Violation of S.B.I officers` Service Rules and the Orders of High Court of A.P.

False charge sheet -Documentary evidences
------------------------------------------------------
To whom so ever it may concern
-----------------------------------------
I am presenting here a story with few among many,
documentary evidences which throws light in to the high handedness  and  dis obedience o the law of S.B.I Mnagement
--------------------------------------------------------------------------------------------------------------------------
In order to attend my sick daughter V.Sruti Ranjani and her treatment and Surgery my husband had to apply for leave .The Bank management with a malafied intention to harass  him treating his leave period as un authorized absence framed false charges .The charge sheet also included his period  of his presence in the Bank.The Bank management made false allegations of indiscipline and mis conduct.It is worth mentioning here that his Leave record was either misplaced or wantedly distoyed
He was served with a Charge sheet   on 14.05.2005 immediately after he resumed to duties after my daughter`s surgery at New Delhi..



   The Disciplinary Authority without taking my husband`s reply to the charge sheet initiated inquiry proceedings.My husband sought all the relevant documents basing on which the Charges were framed .The Inquiring Authority   and the Prosecution officer(P,O) have admitted that they do not posses any documents  to prove the charges and the  P.O admittedly stated that he needs some time  to produce since he has to collect the documents from various branches to prove  the charges.



Proof of missing leave records 
Letters and Last pay certificates of Service Branch,Tilak Road (Tirupati Br and Ponduru Br,) in mconfirmity with the Statement of Bank`s Law officer in The Hon`ble A.P.H.R.C .Commission.








Veryy important

Leave record furnished under R.T.I act by Thr P.A,Ponduru (duly certified by Z.O Visakhapatnam dt10.08.2006 and 2507.2008.admitting that the Leave record is not available as per the Information given by the Z.O and Personal files

 Certified Copy of the  Complete,total .wholesome ,available   Service record  for the 37 years of Service of my husband Sri.V.Murali Mohan Only one page covering the period Febrauary 2002 to July2006

It is worth mentioning that :
1.The service record for the period 1971 to 2002 is not available
2. Not even a single  adverse remark regarding the poor performance of my husbandhas been noted in the Service sheet instead ,there is a noting regarding the award of tophy to my husband for his performance as Cash officer during the year 2005 to 2006
3.The date of birth has been recorded as 05.05.1952 which is his correct date of birth.
The Chief General Manager who confirmed that it is the  only Service sheet available with the Bank,has in his quasi apacity judiciary capacity has twice confirmed that `basing on the entire Service sheet available my husband`s performance was 
evaluated (a) while confirming the punishment with regard to the charges of indiscipline and (b) while  denying extension of Service .
I request the Finace ministry auhorities to take a note of this error committed by the then C.G.M

​---------- Forwarded message ----------
From: Srisuseela Mohan <srisuseelamohan@gmail.com>
Date: Sun, Mar 13, 2016 at 8:22 AM
Subject: Fwd: Disciplinary proceedings-Ref:Your letter no.(3-0) (D.P.C)(V.S.P)281 dt.31.06.2006 enclosing Inquiry Authority`s report dt.25.01.2006.
To: "chairman@sbi.co.in" <chairman@sbi.co.in>
Fw: Fw: Disciplinary proceedings-Ref:Your letter no.(3-0) (D.P.C)(V.S.P)281 dt.31.01.2006 enclosing Inquiry Authority`s report dt.25.01.2006.



On Monday, 24 February 2006 1:46 PM, murali mohan <muralivmohan@yahoo.com> wrote:


----- Forwarded Message -----

From:
V.Murali Mohan
Asst.Manager(Cash and Systems)
State Bank of India
Ponduru       (Srikakulam Dt)

To
Sri.S.K.Chodhury
Deputy General Manger and The Disciplinary Authority
State Bank of India
Visakhapatnam Z.O
Visakhapatnam 530003

Dear Sir

Sub: Disciplinaryproceedings 

Ref:Your letter no.(3-0) (D.P.C)(V.S.P)281 dt.31.01.2006 enclosing Inquiry Authority`s report dt.25.01.2006.

--------------------------------------------------------------------------------------------------------------------------------------------------------------------
Wth reference to above ,I humbly submit that,the  entire proceedings beginning from the show cause notice, framing of the charges and the conduct of the enquiry and ending with the inquiry report  must con­firm to certain well accepted principles of natural justice, that is, that—
(i) The enquiring officer must be unbiased and should not prejudge the case, and
(ii) The enquiry also must be fair and impartial by giving full opportunity to the delinquent to plead and establish his case.
In this connection,I further submit as follows:
i.The inquiry authority,did not base his conclusion ,on any incriminatory materials and in fact the documents of evidence submitted by the delinquent officer were ignored,which would have established the innocence of the delinquent officer..more importantly,since,the inquiry Authority conducted the inquiry without furnishing the crucial documents sought by the delinquent vide his request letters dt.06.09.2005 and 28.09.2005 and by with holding the list of witnesses and list of documents by whom and by which the articles of charges are proposed to be proved.
Secondly the inquring Authority totally relied on the falsely fabricated evidences of the Prosicution officer which were collected behind the back of the diliquent and the inquiring Authority did not take in to consideration , the diliquent`s argument that the evidences produced by the Prosicution officer are collected  on a later date to prove the charges , are falsely fabricated.Hence it is a  clear case of denial of opportunity o the delinquent in gross violation of `the principles of Natural justice'' according to the settled law.
ii.Since  the delinquent officer was not furnished with the list of witnesses as mandated by Rule no.68(2) of the S.B.I.Officers` Service Rules on the grounds that they were not furnished by The disciplinary Authority to The  inquiring Authority (Ref: Inquiry Authoritiy`s reply  dt.15.09.2005 to the request letter  dt.06.09.2005 of delinquent  ,and more importantly since vital documents  relevant to the charges were not furnished /with held from the delinquent ,it is apparent that ,the inquiry proceedings ,is contrary to the statutory prescriptions and reasonable opportunity was denied to  the delinquent, to defend the charges and hence the   entire disiplinary proceedings beginning from the show cause notice, framing of the charges and the conduct of the inquiry and ending with the inquiry report  did not confirm to certain well accepted principles  of natural justice,  and there is a blatant violation of `Principles of Natural justice'. iThe enquiry was not  fair and impartial since full opportunity aws not given  to the delinquent to plead and establish his case.and it is very much evident that,  (i) The inquiring officer is biased and  prejudge the case.
iii.The delinquent has attached a new evidence  i.e the ``Leave record dt 18.02.2006 ,which will the nature of the case  the new evidence proves that the claim of the Disciplinary Authority , the Inquiring Authority and the Prosecution officer ,the Delinquent has no leave at his account is wrong and hence the charge of un Authorized absence is no true.
















Fake leave record
----------------------------
Prayers
​Therefore the on the basis of the available material which is not genuine,the impugned findings of the Inquiring Authority are found to be given arbitrarily without genuine material support and without giving a fair opportunity to the delinquent to defend his case by withholding the crucial documents and consequently the findings of the inquiring officer should be declared perverse  and also the false charge sheet should be squashed.
Ponduru                                                                                                                                                             Yours faithfully                                                                                                                                                                                                                V.Murali Mohan                                                                                                                                                            
Dt.24.02.2006                                                                                                                                                   
  (Diliquent officer)




I am proud to be an Indian!



--




--
I am proud to be an Indian!

Thursday, April 12, 2018

--------- Forwarded message ----------
From: Murali Vinukonda <
vinukondamurali@gmail.com>
Date: Fri, Apr 17, 2015 at 8:02 AM
Subject: Fwd: Your telephone calls dt.14.05.2013 -fake O.d A/C-R.T.I.Application
To: "chairman@sbi.co.in" <chairman@sbi.co.in>, sbi.01115@sbi.co.incgm.lhohyd@sbi.co.in
Reminder
-------- Forwarded message ----------
From: Murali Vinukonda <
vinukondamurali@gmail.com
>Date: ,May 15, 2013 at 2:27 PM
Subject: Your telephone calls dt.14.05.2013 -fake O.d A/C-R.T.I.Application
To: 
sbi.01115@sbi.co.in

Cc: 
chairman@sbi.co.in
From:

V.Murali Mohan
C/503,K.S.R.Green valley
Visakhapatnam   530018
To
The Asst.Genl.Manager and The Asst Central public information officer
State bank of India
Adyar
Chennai 600020
   Your phone call of date-i.e 14/05/2013

overdraft.Account no.10792461964
----------------------------------------------------
1.With reference to the captioned subject ,I deny the liability fixed on me without any proof or evidence,with a malafied intention to harass me and my family and defame me.

2.I deny your  oral statement that, I
 have availed overdraft against N.S.C.s and that  the amount was drawn by me which is a lie and a false statement without any proof or evidence.
3.It is ridiculous that , you yourself  admitting that you do not have any information /records to the alleged loan account with you ,you are demanding to pay the dues.in an un lawful manner.Your demand amount is is mis conceived 

4,The alleged O.D loan against N.S.C s, is a falsely fabricated loan account in your office and that the dues claimed by you  are totally false ,baseless,quite absurd fictitious and un tenable both in Law and Facts.According to me  no such loan has been availed by me  and no such like amount is outstanding against him.and yours allegedly said loan account in my client`s name is a falsely fabricated loan account of your office.

5..That your demand amount is totally false vague,baseless misconceived ,quite absurd and un sustainable.You are now making  fictitious demand in an illegal and false and time barred manner after my retirement in an un accounted manner and in a vindictive manner ,black mailing me  to extract money from me,knowing fully well that I am  no more an employee of your Bank.You are now making factious demand in an illegal and false manner after my retirement from service for your illegal benifit and enrichment.You have made this demand without verifying your records that tantamount to dereliction of duties. 

6.You are creating one after another new events to harass me and my family.You have already raised a false demand creating a fake Housing loan at your Vizianagaram Branch.

7.My mother aged 88 years,after hearing he news of your latest demand of false dues  at Your Adyar Branch a new event to harass us , was mentally disturbed and because of mental stress  .  spent a sleep less night brooding over your various acts of victimization to harass our family.

^Pl.note that you will be liable for any damage caused to the health of  me or any of my family members .

.Kindly furnish the following information under Right to Information Act -2005.Furnish certified copies under the provisions of Banker`s Book of evidence,I may be permitted to verify documents with the originals.

1 Statement of my loan Account no.10792461964 from 1.01.1996 till 31.05.2013
2.The details of the N.S.C s pledged by me against which the Overdraft was sanctioned.
3.Letter requesting the overdraft by both the joint a/c holders with supporting documents i.e salary certificate etc and the letter forwarding the loan application to the Controlling authority recommending for sanction of loan.
4.Letter sanctioning the overdraft.Account no.10792461964

5.The holder in due course is expected to keep a note of the serial numbers and date of issue of the certificates pledged,pl furnish the numbers,date of issue and date of maturity of the Certificates said to have been furnished by me and in the event of loss of the certificates,immediately has to notify the office at which the Certificates were registered..
6.The application form i.e A/c Account opening form of A/c no.10792461964  
7.The documents executed by me  at the time of availing overdraft
8...Arrangement letter submitted by me
Kindly furnish of copy of of such notification of loss of certificates ,made to the office at which the certificates were registered.
6.Kindly furnish the proof of withdrawal said to have been drawn by me,and the letter if any requesting to overdraw and sanctioning the overdraft.
7.Date of withdrawal with supporting vouchers of debit and 
8.Date of Credit with supporting vouchers
9.Notice served to me for the default of the loan
10.Revival letters obtained from me
11.Securities offered i.e Primary and Collateral securities
12..Fully dealt audit reports from 31/03/2000 to 31/03/2013
.Hard copy of this application will be sent by post together with the application money.
sincerely
V.Murali mohan
copy to The Chairman,State bank of India ,Corporate Center,Mumbai with a request to make a discreet inquiry in to the matter of false liability fixed on me with a malafide intention to harass me.

------------- Forwarded message ----------
From: <chairman@sbi.co.in>
Date: Fri, Apr 17, 2015 at 4:14 PM
Subject: Re: Fwd: Your telephone calls dt.14.05.2013 -fake O.d A/C-R.T.I.Application
To: Murali Vinukonda <vinukondamurali@gmail.com>
Cc: pstocgm.lhoche@sbi.co.indgm.customer@sbi.co.in

Dear Sir,

We acknowledge receipt of your email addressed to the Chairman. We have forwarded your complaint to the P.S. to Chief General Manager, Local Head Office, Chennai (pstocgm.lhoche@sbi.co.in) and to the Dy. General Manager (Customer Service) (dgm.customer@sbi.co.in) for necessary action.
                
Regards,        
        
EXECUTIVE SECRETARY TO CHAIRMAN        
Attn: PS to CGM, LHO, Chennai.
        Dy. General Manager (Customer Service)

We request you to kindly look in to the complaint below and arrange for necessary action / redressal of the same at the earliest, under advice to us.

EXECUTIVE SECRETARY TO CHAIRMAN



From:        Murali Vinukonda <vinukondamurali@gmail.com>
To:        "chairman@sbi.co.in" <chairman@sbi.co.in>
Date:        04/17/2015 09:22 AM
Subject:        Fwd: Your telephone calls dt.14.05.2013 -fake O.d A/C-R.T.I.Application

-


Overdraft against NsCs -your letter dt.17.05.2013

Murali Vinukonda <vinukondamurali@gmail.com>

6/10/13
to sbi.01115chairman
To
The Asst.Genl.Manager and The Asst Central public information officer
State bank of India
Adyar
Chennai 600020
1.With reference to the captioned subject ,I deny the liability fixed on me without any proof or evidence,with a malafied intention to harass me and defame me.
2.I deny your statement that the amount was drawn by me which is a lie 
and a false statement without any proof or evidence.
3.Your Chief manager during his telephonic conversation stated that the details of the N.S.C s pledged by me are not available.with the branch.
In this connection please furnish the following information under Right to Information Act -2005
1 Statement of my loan Account no.10792461964 from 1.01.1996 till 31.05.2013
2.The details of the N.S.C s pledged by me against which the Overdraft was sanctioned.
3.Letter requesting the overdraft 
4.Letter sanctioning the overdraft.
5.The holder in due course is expected to keep a note of the serial numbers and date of issue of the certificates pledged,pl furnish the numbers,date of issue and date of maturity of the Certificates said to have been furnished by me and in the event of loss of the certificates,immediately has to notify the office at which the Certificates were registered..
Kindly furnish of copy of of such notification of loss of certificates ,made to the office at which the certificates were registered.
6.Kindly furnish the proof of withdrawal said to have been drawn by me,and the letter if any requesting to overdraw and sanctioning the overdraft.
.Hard copy of this application will be sent by post together with the application money.
sincerely
V.Murali mohan
copy to The Chairman,State bank of India ,Corporate Center,Mumbai with a request to make a discreet inquiry in to the matter of false liability fixed on me with a malafide intention to harass me.

Murali Vinukonda <vinukondamurali@gmail.com>

6/10/13
to sbi.01115chairman
To
The Asst.Genl.Manager and The Asst Central public information officer
State bank of India
Adyar
Chennai 600020
1.With reference to the captioned subject ,I deny the liability fixed on me without any proof or evidence,with a malafied intention to harass me and defame me.
2.I deny your statement that the amount was drawn by me which is a lie 
and a false statement without any proof or evidence.
3.Your Chief manager during his telephonic conversation stated that the details of the N.S.C s pledged by me are not available.with the branch.
In this connection please furnish the following information under Right to Information Act -2005
1 Statement of my loan Account no.10792461964 from 1.01.1996 till 31.05.2013
2.The details of the N.S.C s pledged by me against which the Overdraft was sanctioned.
3.Letter requesting the overdraft 
4.Letter sanctioning the overdraft.
5.The holder in due course is expected to keep a note of the serial numbers and date of issue of the certificates pledged,pl furnish the numbers,date of issue and date of maturity of the Certificates said to have been furnished by me and in the event of loss of the certificates,immediately has to notify the office at which the Certificates were registered..
Kindly furnish of copy of of such notification of loss of certificates ,made to the office at which the certificates were registered.
6.Kindly furnish the proof of withdrawal said to have been drawn by me,and the letter if any requesting to overdraw and sanctioning the overdraft.
.Hard copy of this application will be sent by post together with the application money.
sincerely
V.Murali mohan
copy to The Chairman,State bank of India ,Corporate Center,Mumbai with a request to make a discreet inquiry in to the matter of false liability fixed on me with a malafide intention to harass me.
 ithout any proof or evidence.

a dangerous trend in Banking

.

7/6/15
t

--------- Forwarded message ----------
From: Murali Vinukonda <
vinukondamurali@gmail.com>
Date: Fri, Apr 17, 2015 at 8:02 AM
Subject: Fwd: Your telephone calls dt.14.05.2013 -fake O.d A/C-R.T.I.Application
To: 
sbi.01115@sbi.co.in, "cgm.lhohyd@sbi.co.in" <cgm.lhohyd@sbi.co.in>, cgm.lhoche@sbi.co.in
--------- Forwarded message ----------
From: Murali Vinukonda <
vinukondamurali@gmail.com>
Date: Mon, Mar 30, 2015 at 6:55 AM
Subject: Fwd: Your telephone calls dt.14.05.2013 -fake O.d A/C-R.T.I.Application

To: cgm.lhohyd@sbi.co.insbi.01115@sbi.co.in, "chairman@sbi.co.in" <chairman@sbi.co.in>---------- Forwarded message ----------
From: Murali Vinukonda <
vinukondamurali@gmail.com>
Date: Wed, Mar 10, 2015 at 2:09 PM
Subject: Your telephone calls dt.14.05.2013 -fake O.d A/C-R.T.I.Application
To: "
chairman@sbi.co.in" <chairman@sbi.co.in>, sbi.01115@sbi.co.incgm.lhohyd@sbi.co.in
Reminder
-------- Forwarded message ----------
From: Murali Vinukonda <
vinukondamurali@gmail.com
>

Date: ,May 15, 2013 at 2:27 PM
Subject: Your telephone calls dt.14.05.2013 -fake O.d A/C-R.T.I.Application
To: 
sbi.01115@sbi.co.in

Cc: 
chairman@sbi.co.in
From:

V.Murali Mohan
C/503,K.S.R.Green valley
Visakhapatnam   530018
To
The Asst.Genl.Manager and The Asst Central public information officer
State bank of India
Adyar
Chennai 600020
   Your phone call of date-i.e 14/05/2013

overdraft.Account no.10792461964
----------------------------------------------------
1.With reference to the captioned subject ,I deny the liability fixed on me without any proof or evidence,with a malafied intention to harass me and my family and defame me.

2.I deny your  oral statement that, I
 have availed overdraft against N.S.C.s and that  the amount was drawn by me which is a lie and a false statement without any proof or evidence.
3.It is ridiculous that , you yourself  admitting that you do not have any information /records to the alleged loan account with you ,you are demanding to pay the dues.in an un lawful manner.Your demand amount is is mis conceived 

4,The alleged O.D loan against N.S.C s, is a falsely fabricated loan account in your office and that the dues claimed by you  are totally false ,baseless,quite absurd fictitious and un tenable both in Law and Facts.According to me  no such loan has been availed by me  and no such like amount is outstanding against him.and yours allegedly said loan account in my client`s name is a falsely fabricated loan account of your office.

5..That your demand amount is totally false vague,baseless misconceived ,quite absurd and un sustainable.You are now making  fictitious demand in an illegal and false and time barred manner after my retirement in an un accounted manner and in a vindictive manner ,black mailing me  to extract money from me,knowing fully well that I am  no more an employee of your Bank.You are now making factious demand in an illegal and false manner after my retirement from service for your illegal benifit and enrichment.You have made this demand without verifying your records that tantamount to dereliction of duties. 

6.You are creating one after another new events to harass me and my family.You have already raised a false demand creating a fake Housing loan at your Vizianagaram Branch.

7.My mother aged 88 years,after hearing he news of your latest demand of false dues  at Your Adyar Branch a new event to harass us , was mentally disturbed and because of mental stress  .  spent a sleep less night brooding over your various acts of victimization to harass our family.

^Pl.note that you will be liable for any damage caused to the health of  me or any of my family members .

.Kindly furnish the following information under Right to Information Act -2005.Furnish certified copies under the provisions of Banker`s Book of evidence,I may be permitted to verify documents with the originals.

1 Statement of my loan Account no.10792461964 from 1.01.1996 till 31.05.2013
2.The details of the N.S.C s pledged by me against which the Overdraft was sanctioned.
3.Letter requesting the overdraft by both the joint a/c holders with supporting documents i.e salary certificate etc and the letter forwarding the loan application to the Controlling authority recommending for sanction of loan.
4.Letter sanctioning the overdraft.Account no.10792461964

5.The holder in due course is expected to keep a note of the serial numbers and date of issue of the certificates pledged,pl furnish the numbers,date of issue and date of maturity of the Certificates said to have been furnished by me and in the event of loss of the certificates,immediately has to notify the office at which the Certificates were registered..
6.The application form i.e A/c Account opening form of A/c no.10792461964  
7.The documents executed by me  at the time of availing overdraft
8...Arrangement letter submitted by me
Kindly furnish of copy of of such notification of loss of certificates ,made to the office at which the certificates were registered.
6.Kindly furnish the proof of withdrawal said to have been drawn by me,and the letter if any requesting to overdraw and sanctioning the overdraft.
7.Date of withdrawal with supporting vouchers of debit and 
8.Date of Credit with supporting vouchers
9.Notice served to me for the default of the loan
10.Revival letters obtained from me
11.Securities offered i.e Primary and Collateral securities
12..Fully dealt audit reports from 31/03/2000 to 31/03/2013
.Hard copy of this application will be sent by post together with the application money.
sincerely
V.Murali mohan
copy to The Chairman,State bank of India ,Corporate Center,Mumbai with a request to make a discreet inquiry in to the matter of false liability fixed on me with a malafide intention to harass me.

------------- Forwarded message ----------
From: <chairman@sbi.co.in>
Date: Fri, Apr 17, 2015 at 4:14 PM
Subject: Re: Fwd: Your telephone calls dt.14.05.2013 -fake O.d A/C-R.T.I.Application
To: Murali Vinukonda <vinukondamurali@gmail.com>
Cc: pstocgm.lhoche@sbi.co.indgm.customer@sbi.co.in

Dear Sir,

We acknowledge receipt of your email addressed to the Chairman. We have forwarded your complaint to the P.S. to Chief General Manager, Local Head Office, Chennai (pstocgm.lhoche@sbi.co.in) and to the Dy. General Manager (Customer Service) (dgm.customer@sbi.co.in) for necessary action.
                
Regards,        
        
EXECUTIVE SECRETARY TO CHAIRMAN        
Attn: PS to CGM, LHO, Chennai.
        Dy. General Manager (Customer Service)

We request you to kindly look in to the complaint below and arrange for necessary action / redressal of the same at the earliest, under advice to us.

EXECUTIVE SECRETARY TO CHAIRMAN



From:        Murali Vinukonda <vinukondamurali@gmail.com>
To:        "chairman@sbi.co.in" <chairman@sbi.co.in>
Date:        04/17/2015 09:22 AM
Subject:        Fwd: Your telephone calls dt.14.05.2013 -fake O.d A/C-R.T.I.Application

-




Overdraft against NsCs -your letter dt.17.05.2013


Murali Vinukonda <vinukondamurali@gmail.com>

6/10/13
to sbi.01115chairman
To
The Asst.Genl.Manager and The Asst Central public information officer
State bank of India
Adyar
Chennai 600020
1.With reference to the captioned subject ,I deny the liability fixed on me without any proof or evidence,with a malafied intention to harass me and defame me.
2.I deny your statement that the amount was drawn by me which is a lie 
and a false statement without any proof or evidence.
3.Your Chief manager during his telephonic conversation stated that the details of the N.S.C s pledged by me are not available.with the branch.
In this connection please furnish the following information under Right to Information Act -2005
1 Statement of my loan Account no.10792461964 from 1.01.1996 till 31.05.2013
2.The details of the N.S.C s pledged by me against which the Overdraft was sanctioned.
3.Letter requesting the overdraft 
4.Letter sanctioning the overdraft.
5.The holder in due course is expected to keep a note of the serial numbers and date of issue of the certificates pledged,pl furnish the numbers,date of issue and date of maturity of the Certificates said to have been furnished by me and in the event of loss of the certificates,immediately has to notify the office at which the Certificates were registered..
Kindly furnish of copy of of such notification of loss of certificates ,made to the office at which the certificates were registered.
6.Kindly furnish the proof of withdrawal said to have been drawn by me,and the letter if any requesting to overdraw and sanctioning the overdraft.
.Hard copy of this application will be sent by post together with the application money.
sincerely
V.Murali mohan
copy to The Chairman,State bank of India ,Corporate Center,Mumbai with a request to make a discreet inquiry in to the matter of false liability fixed on me with a malafide intention to harass me.
 ithout any proof or evidence.
3.Your Chief manager during his ho
In this connec---------- Forwarded message ----------
From: Murali Vinukonda <vinukondamurali@gmail.com>
Date: Tue, Jun 23, 2015 at 2:17 PM
Subject: fake O.D loan a/c -notice
To: "chairman@sbi.co.in" <chairman@sbi.co.in>, "sbi.01115@sbi.co.in" <sbi.01115@sbi.co.in>

From
V.Murali Mohan
C/503,K.S.R.Green valley
Visakhapatnam    530018

To
Mrs,Bhattacommissionhargee
Chairman
State Bank of India
Corporate Center
Mumbai   400021
The Assistant General Manager
Sate Bank of India
Adyar br
5th Cross street ,Kasturba Nagar
Chennai 600020
Dear sir, 
            Your letter dt.17/05/2013 making false demand o/a a fake O.D A/c no 10792461964
-----------------------------------------------------------------------------------------------------------------------With reference to your captioned letter demanding me to pay Rs 2,36,924,,
I have to state that 

1.The general legal relationship of bank and customer is a contractual relationship, started from the date of opening an account. Since you have failed to establish the contractual relation ship between Murali Mohan and V.Madhurima(Joint account holders)  and Sate Bank of India  by furnishing the requested account opening form relating to the captioned account , your demand holds no water  since there  is no contractual relationship between the above mentioned account holders and State Bank of India. . 
2.When the Bank advances  any money to the borrower , the borrower executes documents and offer security to the bank before utilizing the credit facility..
Since you have failed to furnish the proof of documents executed and securities offered to establish your demand   to pay the loan amount ,your demand holds no water..
3.1.You have failed to furnish the information sought by me to  prove that I have availed the alleged Housing loan a/c no.10654040230  and therefore you have failed to establish that I have availed the said Loan.and hence , your demand holds no water  since there  is no contractual relationship between me and State Bank of India The transaction is ``unilteral' .and hence unenforceable..
(a)An agreement which produces no legal obligation is frequently called as ``Void agreement''.A void agreement is not a contract at all. A voidable contract ,is common in the law such as a contract induced by un due influence or fraud ,mistake or duress all affording grounds for rescinding the contract
(b)  Agreements which are neither void nor voidable may nevertheless be
 un enforceable by one or both parties. Such agreements are also called as agreements of imperfect obligations. A contract may be un enforceable because 
(i) law does not provide for remedy for enforcement of obligation of such character(ii) it is unenforceable on account of certain procedural infirmities or short comings  or(iii) the remedy has been lost.
(c) A contract can be rendered void ab initio if there is lack of consensus.
Sec-13 and Sec 19(2) Indian Contract Act
(d) a fraud or mis appropriation  which did not cause the consent to a contract of the party on whom such fraud was practiced or to whom such mis representation was made doesn`t render a contract voidable.

Please noteTo impose an unfair burden on a debtor.Statement of a/c cannot be treated as an agreement.and also a statement of cannot be  a cause of action. ..Production of documentary evidence of the original contract between the debtor and creditor
(banker) is a must ,since statement of a/c is not a document of debit to fix the liability on the debtor.as it cannot be treated as an agreement between debtor and creditor and cannot be a cause of action.It is against the contractual  principles .Relying on statement of account while fixing liability on a debtor, such statements shall not alone be sufficient evidence to charge any person with liability as they do not establish the facts required to be proved i.e., that a person owed a certain sum of money, unless corroborated.
According to the settle d law inn Chandradhar Goswami and others Vs. Gauhati Bank Ltd (AIR 1967 (SC) 1058), Shambhu Bhat Vs. Karnataka Vyavasaya Varthaka Sanga Ltd. (1987 (1) KLT 768) , Narayanan Vs. Indian Handloom Traders (1999 (1) KLT 700), Manilal Vs. Johnson (2011 (1) KLT 321), Central Bureau of Investigation Vs. V.C.Shukla (1998 (2) KLT SN 47 (SC). and in the case of Os.90/1999 Of Ii Addl.Sub Court vs Sohanlal it has been decided that
. Section 34 of the Indian Evidence Act reads as follows :-
"34. [Entries in books of account including those maintained in an electronic form] when relevant- [Entries in books of accounts including those maintained in an electronic form], regularly kept in the course of business, are relevant whenever they refer to a matter into which the Court has to inquire, but such statements shall not alone be sufficient evidence to charge any person with liability."
. A close analysis of the above said decisions would show that the Case Law as it stands today set out in the  above decisions is as follows: The entries in books of account are not by themselves sufficient to charge any person with the liability. There must be independent evidence of the transaction to which the entries relate and in the absence of such evidence, no relief can be given to the parties who rely upon such entries to support their claim against another. As per the evidentiary value of entries relevant under Section 34 of the Evidence Act such entries though relevant are only corroborative evidence and it is to be proved by further independent evidence that the entries represent honest and real transactions and money was paid or due in accordance with those entries.
. What Section 34 demands is a book of account regularly maintained in the course of business. A duly bound ledger book, incapable of being tampered with, of a fool-proof character is produced, all by itself without production of the corresponding day book or cash book or stock register, that ledger though relevant would not itself be sufficient evidence to charge any person with liability.  More clearly, the statement of account by itself does not make substantive evidence, since it is an admission by the maker himself in his own favour. Independent evidence to corroborate such entries depends upon the facts and circumstances of the case. Even if entries in the books of account are correct and authentic, such books of account cannot fix the liability upon the person, in the absence of independent corroborative evidence. To sum up, Exts.A1 and A2 are not by themselves sufficient to charge the defendants with the liability in the absence of independent corroborative evidence in view of Section 34 of the Indian Evidence Act. Ext.A3 is neither admissible nor relevant as it cannot be considered as books of account contemplated under Section 34. Exts.A6 to A8 are inadmissible in evidence in view of Order VII Rules 17 and 18 due to the non-production along with the suit and lack of sufficient grounds for the delay in producing it before the court.
4. he loan is not legally enforceable now ,since it is barred under the law of limitation.The acknowledgement of loan is time barred (Sec.18 off limitation Act and Sect.138 of Negotiable Instruments act)
In view of the above your demand to pay O.D a/c dues holds no water.e is false..
   Your authorities,  with an intention to cause injury to me and my family fabricated the fake loan account mentioned above 
.Your authorities have  done a criminal wrong by withholding my pension which is the only source of my life infringing in to my Right to Life which is a Human Right,to appropriate  your falsely fabricated loan.Now you have admitted the crime  committed by you .

   Your authorities are liable for the criminal wrongs committed against me and my family personally.
It may be recalled that  I have already served a notice  for the wrong committed by your authorities by taking the life of my mother.(I have already sent you a statement dt.14/05/2013  given by my mother   against you  in writing  (given after receiving your call on 14/05/2013 demanding to pay your fictitious loan amount),just hours before her demise .Your authorities are liable for the criminal wrongs committed against me and my family personally.which may please note.
Visakhapanam
Dt.27/07/2015
                                                                                                                                                         V.Murali Mohan
.

Copy to the Chairman,N,H.R.C

Rejoinder submitted against the reply of Sri.Rayabharam Radha Krishna,C.D.O and D.G.M ,S.B.I ,Hyderabad L.H.O on behalf of Mrs.Bhattachargee,Chairman ,State Bank of India ,the respondent  in relationMy complaint d 13/03/2015-.Case No.372/1/21/2015/0C

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tion please furnish the following information under Right to Information Act -2005
1 Statement of my loan Account no.10792461964 from 1.01.1996 till 31.05.2013
2.The details of the N.S.C s pledged by me against which the Overdraft was sanctioned.
3.Letter requesting the overdraft 
4.Letter sanctioning the overdraft.
5.The holder in due course is expected to keep a note of the serial numbers and date of issue of the certificates pledged,pl furnish the numbers,date of issue and date of maturity of the Certificates said to have been furnished by me and in the event of loss of the certificates,immediately has to notify the office at which the Certificates were registered..
Kindly furnish of copy of of such notification of loss of certificates ,made to the office at which the certificates were registered.
6.Kindly furnish the proof of withdrawal said to have been drawn by me,and the letter if any requesting to overdraw and sanctioning the overdraft.
.Hard copy of this application will be sent by post together with the application money.
sincerely
V.Murali mohan
copy to The Chairman,State bank of India ,Corporate Center,Mumbai with a request to make a discreet inquiry in to the matter of false liability fixed on me with a malafide intention to harass me.