Precautions.

Let's discuss what bank to use and what not to do

So, essentially, don't go for banks that are offering you an extra 2% in a saving account. Because they will always find a way to block your account. Like, they will say, you are doing so many transactions and so they will stop the account. When the government is not giving that much interest, how will they give? So, avoid banks like IDFC First Bank, AU Bank, and so on. They are a small bank, so they give huge interest to attracting customers, and since banking is a hard business, they will conspire to block your funds.

Never tell the bank that you give your account to someone else to transact. Because the bank will ask you the question that is this your own money ?. And you will have to make the bank believe that these are your own money.

Always transact with people who are genuine in crypto p2p platform or any platform like the name and bank account name should match with KYC

How to Deal.

Let's understand how to deal with all those money blocks. Basically, everything will have the same steps.

So, your money is now blocked, what are you gonna do about it. First, you will ask the bank, and get information. Now there can be these cases

Lots of transactions: You may be doing lots of transactions, in a savings account or so. And the bank said according to RBI rules, they froze your account. But say to them, you do transactions for this purpose, and ask them to unblock it and say to them you will not use the bank account anymore, follow up with them. Also, say the blocking of funds is against the right of life - https://timesofindia.indiatimes.com/city/bengaluru/hc-freezing-bank-accounts-could-affect-right-to-life/articleshow/86078387.cms Send them the article in the mail and keep giving proof. Even complaint to RBI (https://cms.rbi.org.in/) after bank does not resolve it, by just writing email at https://www.aubank.in/Notice-Slider-1-8-Name-Address-of-the-Office-Banking-Ombudsman.pdf and in https://consumerhelpline.gov.in/ And in last if they don't agree, they should know that it is your money, not bank money, if they don't want to give service, let them not give, but they have to return back the money. You can file consumer cases in court online at https://edaakhil.nic.in/

Chargeback: Even if you did a legit sell and got money, People can file a chargeback and block your money. You have to give banks proof and keep following up, if they agree, great. Else you will have to follow the same steps as above from consumer helpline to court to rbi. Follow each step as mentioned in "Lots of transactions" with proof. So keep receipts and proof

MHA/Police/Cyber Complaints: In cases where your bank account is blocked due to a complaint with the Ministry of Home Affairs (MHA), police, or a cyber issue, it's typical for banks to freeze the entire account. However, you can tackle this issue effectively with a structured approach. Here are the steps:

1. Reach Out on Social Media: Initially, communicate with your bank through platforms like Twitter. Emphasize how other banks, such as SBI and UCO, usually only block a specific amount related to the dispute rather than the entire account.

2. Consumer Complaints: If the bank does not respond, file a complaint at the National Consumer Helpline (https://consumerhelpline.gov.in/). This often prompts banks to reconsider their stance.

3. Reserve Bank of India (RBI) Intervention: If the problem persists, escalate it to the RBI through their complaint portal (https://cms.rbi.org.in/). RBI intervention usually results in the unblocking of your account and the bank providing all related documents. The RBI typically only blocks the disputed amount. Be sure to respond promptly to RBI communications and avoid opening multiple requests. You can tell in the complaint that SBI and uco bank follow the norm of only blocking some amount as mentioned in fraud, plus mention there is kerala high court order on same : https://www.onmanorama.com/news/kerala/2023/10/19/bank-account-freeze-kerala-high-court-ruling.html

Once the bank has restricted the block to only the disputed amount and unblocks the rest of the money:

4. Police Involvement: Approach the police with a detailed description of your case. Write letters explaining your situation. If they require your presence for a statement, discuss the financial burden of travel and ask for an online resolution. Consistently follow up.

5. Lodge a Grievance on PG Portal: Concurrently, file a complaint at the Public Grievance Portal (https://pgportal.gov.in/Signin). Persistence is key, especially if you cannot visit the police in person. If you do visit, it may expedite the resolution.

6. Obtaining a No Objection Certificate (NOC): Aim to obtain an NOC from the police. Upon receipt, inform the bank and request them to unblock the non-disputed amount in your account.

This methodical approach enhances the likelihood of effectively and promptly resolving your issue.

Jailed

If you or someone close to you ends up in jail, the first thought might be to hire a cheaper lawyer to save money. However, this isn't always the best choice. Cheaper lawyers might not get as much attention from judges, which is part of why they don't cost as much. This could mean someone stays in jail longer than necessary.

It's a good idea to look for an experienced(Senior) lawyer instead. You can find a list of these lawyers at the court or by searching online. The best and most well-known lawyers are often talked about by people who work at the court.

Judges tend to listen more to experienced lawyers because they respect them. These lawyers know how to speak in court and are more likely to solve your case faster. Even though they might cost more at the beginning, they could save you time and money in the long run in comparision to cheap ones, because they're more direct and know exactly what to do..

Consult Me

I have given all information. Still, if you want to consult me, then please fill out this form -https://forms.gle/cKgw3xynDwvWJHLH6

Bitcoin

Banks don't give ownership of our own money. Bitcoin is a trustless payment method. And if you keep it in bitcoin wallet , not in exchanges. But in bitcoin real wallet. No one can take it from you . It will be always yours . And as bitcoin keeps getting better, your money will grow tremendously.

We solved Cases.

Au bank :


kotak bank :


Jupiter bank :


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