Digital & Electronic Banking Fraud
Legal action to recover financial losses from **unauthorized transactions** (phishing, card fraud, failed digital payments) using RBI guidelines.
We enforce the RBI's "zero-liability" rules to secure your full refund and compensation.
Why Legal Action is Necessary for Recovery
Filing a case is often necessary to enforce the bank's liability, especially if they initially deny your claim. We utilize the RBI's clear directives on customer liability to compel compensation.
Key Benefits of Our Service
Recovery of Loss: Enforcing RBI's 'zero-liability' and 'limited-liability' rules.
Full legal representation before the RBI Integrated Ombudsman or Consumer Commission.
Securing a full refund of the unauthorized debited amount and compensation for mental anguish.
Drafting a legally sound complaint citing relevant RBI circulars.
Pre-requisites for Filing a Case
Strict adherence to these timelines and reporting requirements is mandatory to initiate a successful claim:
Report to Bank: Must file a formal written complaint with the bank immediately (within 3 days for zero-liability claims).
Police/Cyber Complaint: Filing an FIR/Cyber Complaint (highly recommended to establish facts).
Waiting Period: Must wait for 30 days after lodging the complaint with the bank for a response/resolution.
Lawizer Deliverables
Document Preparation: Drafting a legally sound complaint for the RBI Ombudsman or Consumer Commission.
Legal Notice: Issuing a final legal notice to the bank detailing the legal liability and demand for recovery.
Representation: Full legal representation before the RBI Integrated Ombudsman or the appropriate Consumer Commission.
Frequently Asked Questions
These disputes involve financial losses due to scams (phishing, vishing, malware), unauthorized use of Debit/Credit Cards, or failed digital transactions (UPI/NEFT/RTGS) where the money is debited but not credited.
The RBI enforces 'zero-liability' and 'limited-liability' rules. If the customer reports the fraud within a specified timeframe and has not been negligent, the bank is generally liable to compensate the loss.
You must file a formal written complaint with the bank immediately, ideally within 3 days for zero-liability claims.
Yes, we provide full legal representation before the RBI Integrated Ombudsman or the appropriate Consumer Commission to secure a full refund and compensation.