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DHello Guys, I withdrew my money from a betting site in march 2024 from named reddybook in my hdfc account, but after 6 months i received hdfc email that my account has been put under debit freeze, but that I time I didn’t focused on to it that much and left is as it was my saving account, but now in January 2025 when my cc limit time came near for renew, My Rm told me I have to get my saving account defreeze, otherwise after renew of limit they will have to put no debit on this account also due to internal policy of money mule. And when I contacted bank I got to know that this money I received was part of a fraud account and its in 4th layer, As I already used that money in credit card payment of mine, which was stated in 5th layer, and now bank gave me 2 officer contacts one of delhi and one of goa, both handling same transaction. I have already deposited disputed amount in my saving account back, and I contacted Delhi cyber, he told me that if we will recover amount from your bank account it will take 2 months and several notices to court jisma apka ghar bhi police askti ha, and he is asking to return the money back to victim but not in his account, he is asking me to hand him over the cash to him in delhi and then he will provide me noc, which I think is completely wrong. And the goa officer only picked my call once and said he will talk to his superior regarding recovering amount from my bank account, after that he is not picking calls. And now I am struck, my cc is also put on no debit due to hdfc internal policy. I don’t know what to do. Any help please guys? Any suggestions?
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AHi,
Lawyer here.
So as per law, they can freeze amounts in your bank a/c related to cybercrime, but only to the extent of the proceeds. For instance, if you withdrew 50k from this betting app and you have 1L in your lakh, a lien can be put only upto 50k.
So, first write a letter to bank asking to put lien on the limited amount. Also ask them for details as to which cyber complaint/FIR this amount is freezed under. Once you have the relevant details, you can file an application before the concerned court seeking defreezing of your Bank A/c.
Please don’t pay any sum in cash to anyone. Also, I practice in Delhi, so if you can give me details, I can help you out.
Thanks
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DI already emailed bank, bank manager and everyone concerned to put lien on amount and unfreeze my account already explaining reason, also I am mailing cyber of both delhi and goa but bank manager is only telling one thing that they can do nothing at all, until i provide them noc from cyber, even I showed them that cyber is not replying to me, then also bank se not considering to do anything, and even they blocked my cash credit under hdfc internal policy of money mule which is I think completely wrong
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AThen you should file an Application before the Magistrate trying the offence. Alternatively, you can also file a Writ Petition, however writ process will take some time, whereas application will be decided faster.
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### 1. **Clarify the Situation with HDFC Bank:**
– **Frozen Account:** HDFC seems to have frozen your savings account due to the suspicion that the funds were part of a money mule operation. This is a precautionary measure banks take when they suspect illegal activities. As you’ve already deposited the disputed amount back into the account, you should continue following up with HDFC Bank’s concerned officers, especially the one assigned to your case.
– **Internal Policy of Money Mule:** If HDFC has an internal policy to block credit card limits or freeze accounts due to money mule suspicions, you need to escalate this further within the bank to have it reviewed. Since your account is frozen due to this reason, they are legally bound to follow the internal process. You should keep pressing for an explanation of how they can help you unfreeze your account.### 2. **Cybercrime Investigation:**
– **Victim’s Money and Recovery:** The Delhi Cybercrime officer is asking you to hand over the money directly to him, but this doesn’t sound right. Official procedures for recovering funds from fraudulent transactions typically involve the legal process through the bank, not in cash transactions directly to officers. You should avoid handing over money in cash to anyone, especially not in this manner.
– **NOC (No Objection Certificate):** If the Delhi Cybercrime officer insists that you provide an NOC for the funds, he should be doing so through proper legal channels. If they are not responding to your emails or calls, you may want to escalate this issue. Make sure all communication is documented.### 3. **Goa Officer and Lack of Response:**
– Since the Goa officer isn’t responding to your calls, you may want to follow up again through email or visit the local cybercrime office in Goa. Escalating this with a senior officer at the cybercrime unit might help get more clarity on the situation.### 4. **Legal Advice:**
– **Consult a Lawyer:** Given the complexity of this situation and the involvement of multiple authorities, it’s crucial to consult a lawyer who specializes in financial or cybercrimes. A lawyer can guide you through the legal process of recovering your money, especially with the threats of police involvement, and how you can protect yourself from further complications.
– **Avoid Direct Payments:** As mentioned earlier, it is highly inappropriate and potentially illegal to hand over money to an officer without proper legal documentation or court orders. Ensure you’re not being tricked into making a payment that may not be legitimate.### 5. **Documentation and Communication:**
– **Keep Everything Documented:** Make sure you have copies of all your emails, communications with the bank, the cybercrime officers, and any other correspondence related to this issue. This will help you protect yourself if the situation escalates or if any legal action is taken.
– **Follow-Up with HDFC Bank:** If the bank is not being responsive, escalate the issue to a senior manager or branch manager. Request a formal explanation of what steps they can take to resolve this. It might also be helpful to contact the banking ombudsman or file a formal complaint with RBI (Reserve Bank of India) regarding the freezing of your accounts under internal policies.### 6. **Prevent Future Issues:**
– **Review and Monitor All Transactions:** Going forward, be very cautious about any transactions that you’re involved in, especially with online sites or services that are not well-known. Consider setting up alerts or using secure methods to track your financial transactions.
– **Avoid Further Financial Entanglements:** If your credit card and savings account are frozen, avoid taking on any additional loans or financial commitments until this issue is resolved. This will prevent further complications and potential penalties.It’s critical to handle this situation carefully and ensure you are following the proper legal channels. You should **not hand over any cash** directly to the cybercrime officer without proper legal documentation, and continue pushing for an official resolution from HDFC Bank. Keep your communication documented and consider seeking legal advice as soon as possible to protect yourself from potential repercussions.
If you’re not getting responses from the officials, **escalating through legal channels** or even the banking ombudsman may be necessary.
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MDelhi officer’s cash handover demand is suspicious and improper. Avoid cash dealings. once a cyber fraud is located, by the dept, and if FIR registered then you can get defreeze from court. other wise, u have to wait until the investigation is completed. whatever it takes time. keep track of FIR registered or not. if registered file a petition before the magistrate. u may reach for any advice 9493609797.
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