shanu Bano

[K.A.H @kabiralihaldar]

@Yousuf_Haldar @SBICard_Connect एक ही क्रेडिट कार्ड के लिए दो अलग-अलग लीगल फर्म्स से एक साथ आर्बिट्रेशन और कंसीलिएशन नोटिस भेजना नियमों का खुला उल्लंघन है। @SBICard_Connect की यह मनमानी और कस्टमर हरासमेंट बिल्कुल बर्दाश्त के बाहर है। इस पर तुरंत संज्ञान लें। @RBI @FinMinIndia @jagograhakjago #SBICard

[Yousuf Haldar @Yousuf_Haldar]

@SBICard_Connect Fabricating records on a public forum ends here.

Your representative dialed at 11:15 AM from XXXX-XXX-117, connected for ~49 seconds, falsely pretended "voice not audible" while I repeatedly answered "Hello", and deliberately hung up to falsely log an "unanswered call" excuse. The entire incoming call and connection timestamp are fully recorded.

Stop these deflection tactics and perform your statutory duty on-record:
1. Provide the Remitter Name, Bank Account & UTR of the ₹3,355 unauthorized credit on Card Ending 9116.
2. Furnish certified SMPP SMS & SMTP Email delivery logs for this transaction.
3. Formally withdraw the duplicate sham arbitrations (Sandhee Case: VERI-SODR-SBIC-ARB-2026-004131 & Areness Ref: E-CONCI/CD6/East/9116/100826/5321).

We demand a written, legally binding resolution over email—not staged phantom calls. Every false claim is being docketed for @RBI Ombudsman and @Cyberdost. #SBICardFraud #PublicAccountability

[Yousuf Haldar @Yousuf_Haldar]

@grok This definitive statutory analysis solidifies the entire legal foundation against @SBICard_Connect:

1. Under A&C Act Section 14 read with Section 12(5) and Perkins/TRF precedents, the mandate of the unilaterally appointed Sole Arbitrator (Sandhee Case: VERI-SODR-SBIC-ARB-2026-004131) is legally void ab initio and terminated de jure. Running a duplicate parallel notice via Areness further confirms malicious abuse of process.

2. Invoking IT Act Section 43/66 (up to 3 years imprisonment/₹5L fine) for unconsented ledger modifications (₹3,355 silent credit) executed alongside suppressed statutory EBT alerts establishes a prima facie cyber offence.

3. Under RBI Master Directions on Outsourcing and Fair Practices Code, vicarious liability squarely rests on the Regulated Entity for residential trespass by uncertified recovery agents.

With the legal ultimatum concluding, this documented matrix—including digital audit trails, Section 14 termination pleas, and video evidence—is being escalated directly to https://t.co/oTfq1iGXJo, https://t.co/OLT4sRze5z, and the competent High Court.

Accountability is now unavoidable. #SBICardFraud #ArbitrationScam #RBI #LegalAction

[Yousuf Haldar @Yousuf_Haldar]

@grok As evidenced by the attached statutory documents, @SBICard_Connect is simultaneously running:
1. Track 1: Unilateral ODR arbitration (Sandhee - Case: VERI-SODR-SBIC-ARB-2026-004131) bulldozing a "Final Hearing" on Sep 16 despite formal objections citing Perkins Eastman / TRF Ltd.
2. Track 2: A duplicate parallel conciliation (Areness Attorneys Ref: E-CONCI/CD6/East/9116/100826/5321) initiated on Aug 10 for the exact same card dues.
3. Track 3: Deploying uncertified recovery personnel for physical residential trespass, alongside ₹3,355 unauthorized silent funding injected into the ledger with suppressed statutory alerts.

Under Indian jurisprudence:
• How does Section 10 CPC (Res Sub-Judice) and the Arbitration & Conciliation Act 1996 treat such abusive forum-shopping and duplicate parallel proceedings for the same debt?
• What are the penal liabilities under the IT Act (Section 43/66) and RBI Directions when unconsented ledger modifications are executed concurrently with sham legal actions?
• Can these unilateral proceedings be quashed in limine before higher judicial forums and the RBI Ombudsman?

Please provide a precise statutory analysis for public transparency. #SBICardFraud #ArbitrationScam #RBI

[shanu Bano @shanuBanockvb]

@Yousuf_Haldar @SBICard_Connect बैंक ट्रिपल गेम खेल रहा है! एकतरफा आर्बिट्रेशन
समानांतर कंसीलिएशन नोटिस
घर पर रिकवरी एजेंट + चुपके से लेजर में ₹3355 डालना

ये तीनों एक साथ चलाना साफ-साफ उत्पीड़न और धोखाधड़ी है। @SBICard_Connect
@RBI

[shanu Bano @shanuBanockvb]

@Yousuf_Haldar @SBICard_Connect बैंक ट्रिपल गेम खेल रहा है! एकतरफा आर्बिट्रेशन
समानांतर कंसीलिएशन नोटिस
घर पर रिकवरी एजेंट + चुपके से लेजर में ₹3355 डालना

ये तीनों एक साथ चलाना साफ-साफ उत्पीड़न और धोखाधड़ी है। @SBICard_Connect
@RBI

[hujaifa @khujaifa702]

@Yousuf_Haldar @SBICard_Connect सबसे बड़ा फ्रॉड तो ये साइलेंट फंडिंग है! 3355 रुपये बिना बताए खाते में डाल दिए ताकि NPA ना बने और कस्टमर को SMS भी नहीं भेजा गया। ये सीधा IT Act Section 43/66 का उल्लंघन है। बैंक की कोर बैंकिंग का फॉरेंसिक ऑडिट होना चाहिए। @RBI @PMOIndia @SBICard_Connect @SBILife @MCA21India

[Aarif khan @AarifKhan18170]

@Yousuf_Haldar @SBICard_Connect एसबीआई कार्ड का ये 3-तरफा हमला साफ-साफ उपभोक्ता उत्पीड़न है। एक तरफ एकतरफा आर्बिट्रेशन (परकिन्स ईस्टमैन और टीआरएफ लिमिटेड के खिलाफ), दूसरी तरफ समानांतर कंसीलिएशन नोटिस, तीसरी तरफ घर पर रिकवरी एजेंट भेजना और बिना अलर्ट के लेजर में चुपके से ₹3355 जमा करना।

[Yousuf Haldar @Yousuf_Haldar]

🚨 3-PRONGED COERCIVE ATTACK ON A SINGLE ACCOUNT (Ending 9116) EXPOSED!

How @SBICard_Connect violates Section 10 CPC (Res Sub-Judice), Arbitration & Conciliation Act 1996, and RBI Fair Practices Code through coordinated 3-way harassment:

1. TRACK 1 (First Unilateral Arbitration):
Despite multiple written objections citing Supreme Court precedents (Perkins Eastman / TRF Ltd) against unilateral appointments, ex-parte proceedings (Hearing 1 & 2) are bulldozed, fixing a Final Hearing for Sep 16, 2026.

2. TRACK 2 (Second Parallel Arbitration):
While Track 1 is actively ongoing, an entirely NEW parallel arbitration notice was triggered on Aug 10, 2026 via a different platform for the exact same account—a textbook breach of forum-shopping prohibitions.

3. TRACK 3 (Physical Residential Trespass & Silent Funding):
While running two parallel legal proceedings, uncertified recovery personnel were simultaneously deployed to trespass into my residence, alongside ₹3,355 unauthorized silent funding injected into the ledger while suppressing statutory SMS/Email alerts.

Running multiple parallel proceedings while executing unauthorized ledger manipulation on a single consumer account is a severe institutional violation.

We demand the immediate quashing of all sham parallel proceedings and a comprehensive regulatory inquiry!

@RBI @TheOfficialSBI @FinMinIndia @Cyberdost @MCA21India @jagograhakjago @PMOIndia @rashtrapatibhvn @RahulGandhi @BBCWorld

#SBICardFraud #IllegalArbitration #BankingHarassment #ConsumerProtection

[Dada of Recovery @DadaofRecovery]

@shanuBanockvb @Sandeep24j @AarifKhan18170 @SBICard_Connect @RBI @saynotoloans @dr_sharma77057 @Cyberdost @Yousuf_Haldar @loanmatlo @LOANHELPINDIA01 @ramdas_r61865 @shravanverma007 इन SBI Card वालों को कॉल पर क्या KISS करना है? ईमेल पर ये अपनी इनफॉर्मेशन दे सकते हैं। यदि कुछ पूछना है तो वे अपने प्रश्न भेज दे ग्राहक उनके जवाब दे देगा। ये हरामी की औलाद हैं कभी नहीं सुधरेंगे।

[shanu Bano @shanuBanockvb]

@AarifKhan18170 @shravanverma007 @AxisBankSupport Andhe hai kya

[shanu Bano @shanuBanockvb]

@Yousuf_Haldar @SBICard_Connect रिकवरी एजेंट्स खुद अपनी जेब से खाते में पैसे डाल रहे हैं ताकि NPA न लगे, और फिर ग्राहक को लूट रहे हैं। बिना IIBF DRA लाइसेंस के घर में घुसकर तंग करना, SMS अलर्ट दबाना — ये सब खुली लूट है!

[Yousuf Haldar @Yousuf_Haldar]

🚨 CAUGHT RED-HANDED! @SBICard_Connect Recovery Syndicate exposed again!

For the SECOND time, unauthorized "Silent Funding" was forced into my account. My 41-min 4K video evidence captures the recovery agents (Purnendu Khatua & Jayanta Mahanti) admitting to institutional fraud:

✅ CONFESSION: Agents admitted they intentionally fund accounts from their OWN POCKETS to meet targets & save their jobs!
✅ NO DRA LICENSE: Purnendu Khatua confessed ON-CAMERA that he has NO IIBF DRA license & begged for forgiveness with folded hands.
✅ COLLUSION: The Bank suppresses SMS alerts to hide this racket.

I have served a legal ultimatum to SBI: 2 DAYS TO RESPOND.

If no justice is served, I will release the full 41-minute video evidence in short, hard-hitting clips. Every layer of this racket will be exposed. Stay tuned!

@RBI @Cyberdost @PMOIndia
@nsitharamanoffc @jagograhakjago
@dr_sharma77057
@KKV_loanjustice

#SBICardFraud #BankingScam #IllegalRecovery #RBI #CyberCrime #FinancialFraud #EvergreeningNPA

[Say no to loans @saynotoloans]

This is a serious violation of RBI’s Fair Practices Code on debt collection. Under official guidelines, all recovery agents must identify themselves, provide their credentials, and show proof of authorization from the bank upon request. A recovery agent questioning the authority of the central bank is unacceptable. @IndusIndBank, please immediately investigate this matter, clarify whether this individual is a direct employee or an outsourced agent, and take strict disciplinary action. Customers have a right to transparency and dignity

[Yousuf Haldar @Yousuf_Haldar]

@AnisK33641 @SBICard_Connect @Cyberdost @FinMinIndia @RBI @PMOIndia Thank you @AnisK33641. Suppressing mandatory transactional SMS/Email alerts at the core server level while injecting unverified funds constitutes willful cyber fraud under the IT Act. Both the agency and bank officials must face statutory prosecution

[Yousuf Haldar @Yousuf_Haldar]

@dr_sharma77057 @SBICard_Connect Appreciate your insights @dr_sharma77057 Sir. The collusion between agency handlers and management to artificially depress NPA ratios via forced ledger manipulations is a blatant financial crime. We will ensure all on-camera video evidence exposes this corrupt chain.

[Dr.Sharma @dr_sharma77057]

I always say this racket is run by SBI Card officials n Managers only. Whenever anyone escalate such matter all SBI CARD Officials get busy to hide all details and to protect their illegitimate childs sitting at their elder son's(vendor) place.
SBI Card decreases it's NPA ratio in this way. Whereas this card is BANKRUPT n a BLACK SPOT upon SBI Bank whose name the r using.

[Yousuf Haldar @Yousuf_Haldar]

Thank you for your objective perspective, @TLankeshwar. We completely agree that the rule of law must prevail over social media trial. To ensure statutory accountability, formal legal notices with unedited CCTV evidence, ledger transaction references, and written admissions have already been placed before the PNO, RBI, and Cyber Crime authorities. The release of video clips is solely to ensure institutional transparency and prevent evidence tampering. Justice must be transparent.

[Yousuf Haldar @Yousuf_Haldar]

No one defaults by choice. Behind every unpaid bill is often a broken business, a severe medical crisis, or a family fighting for survival. Dignity is not a privilege—it is a fundamental right.

When unregulated recovery syndicates trespass into homes, manipulate financial ledgers without consent, and push vulnerable families into humiliation, it crosses from debt recovery into mental torture. How many innocent lives must be pushed to the brink of despair or suicide before institutions take accountability for this ruthless harassment?

Banking should be governed by law and humanity, not extortion and systemic deceit. Stand up against illegal recovery. You are not alone.

@RBI @TheOfficialSBI @FinMinIndia #MentalHealthMatters #StopHarassment #HumanDignity #ConsumerRights #SBICardFraud

[Say no to loans @saynotoloans]

@SBICard_Connect we need a response from your seniors on this unauthorised illegal funding.