UCO Bank debit freeze for over 8 months despite refund—bank and cybercrime keep referring me to each other. What can I do?
Jul 28, 2026
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Cyber Crime
► Need Legal Advice Regarding UCO Bank Debit Freeze (Sikkim)
Hello,
I need legal advice regarding my UCO Bank account, which has been under a debit restriction since approximately October–November 2025.
My account can receive money, but I cannot withdraw or transfer any funds.
The issue relates to three UPI transactions:
- ₹8,300 – I received this amount through UPI. The sender later reported it as a scam/fraud. I refunded the entire ₹8,300 and have proof of the refund. The sender told me they withdrew the complaint, but the restriction on my account was never removed.
- ₹3,450 and ₹500 – I do not know who sent these amounts or who filed the complaints.
I have repeatedly visited my UCO Bank branch. The bank says they cannot identify the authority or investigating officer who requested the debit freeze and told me to contact Cyber Crime.
I then visited the Cyber Crime office with all my documents and refund proof. They told me they could not help and asked me to contact the bank. When I returned to the bank, they again directed me to Cyber Crime. Both authorities keep referring me to each other, and my issue has remained unresolved for many months.
I have:
- Proof of the ₹8,300 refund.
- Bank statements.
- UPI transaction details.
- Other supporting documents.
My questions are:
1. What legal remedy is available to get this debit restriction removed?
2. Should I hire a lawyer at this stage?
3. Which court or authority should I approach in Sikkim?
4. Approximately how much would a lawyer charge to handle this matter in the District Court at Gangtok? Is the fee usually a one-time amount for the case or charged separately for each hearing?
5. Can the bank legally continue a debit freeze for this long without telling me which authority requested it?
Any guidance would be greatly appreciated. Thank you.
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