cyber cell police

Advocate Puneet Bhasin, Cyber Law Expert, Cyberjure Legal Consulting

[email protected]

If you are a victim of an online credit card scam, then you can seek redress and relief under cyber laws.  In the recent judgement of December 2014 by Adjudicating Officer, Information Technology Act, 2000 in the case of Bal Kishen Rai.v. PNB & Ors., the Court held , that even if a victim divulges his own password by mistake in a phishing scam to a cyber criminal, in case on internet banking, he is still protected by law, and in the light of the Indian Banker’s Code 2014 read along with recent RBI Guidelines  and the principles of the US Banker’s Code, in cases of Internet Banking Frauds and Credit Card frauds a victim’s liability is restricted to Rs. 10,000 only and the loss has to be borne by the Bank. This is a principle of US Internet Banking Law, which in this landmark judgement for the first time has laid the foundation of Indian Internet Banking Liability which is pro-consumers and completely protects their interests in cyber crimes.

Meaning of Online Banking Scams:

  1. Where your bank account is debited by an unauthorised online transaction.
  2. Where your credit card has been used without your authorisation for any transaction.
  3. Where you have given your transaction password to a scammer in response to a Phishing scam, which means you receive an email which resembles an email from a bank asking for your bank account details.
  4. Where you have divulged your OTP in a Vishing scam. A vishing scam is one where a person personates a banking official and contacts you to obtain your credit card information on the pretext of generating a new PIN for you, and in the process undertakes online transactions using your credit card data and cheats you into divulging your OTP so that he can complete the transaction.
  5. Where a cyber criminal uses a duplicate SIM card of your registered mobile number, and using your credit card data and due to duplicate SIM has access to OTP also.
  6. Where your SIM card is cloned. SIM card cloning can happen in hotels, shops and any place where you use your credit card for a transaction, and your credit card data is stolen and a cloned credit card is made.

If you are a victim of Online Banking, then you have legal recourse under the provisions of Section 43 of the Information Technology Act, 2000 which deals with unauthorised access along with legal recourse against the Bank under Section 43A of the Information Technology Act for failure to protect your sensitive information and passwords, with claim for compensation upto Rs. 5 Crores.

A victim can file a complaint of the cyber crime in the prescribed format before the Adjudicating Officer, Information Technology Act, 2000 with the prescribed application fees of Rs. 50 and requisite court fees. The duration for the disposal of cyber law matters is speedy and  is within 6 to 9 months of filing the complaint.

Disclaimer: The content of this article does not constitute legal advice, and does not create an Attorney-Client relationship between the author and the reader.

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19 COMMENTS

  1. I’m from Aligarh Uttar Pradesh I got froud with liftncart company.
    I lost 60000rs.for winning prize after this now ph.no. incoming call is bard.
    I got a new coll for recovery my money from this no.9319062879
    He told me company is seel by Red of police and that is income tax office.

  2. आज सुबह मेरे पास एक advertisement आया कि एक offer है flipkart मे जो कुछ घंटो के लिए है उसमे Samsung note 8 2500 मे मिलेगा…so मैंने order place कर दिया पर कोई confirmation मैसेज नहीं आया amount deduct होने के बाद.. Amount मेरा paytm के जरिए deduct हुआ था फिर मैंने जब flipkart पर check किया तो कोई order place नहीं था… Amount क्योकि paytm के through deduct हुआ था इसलिए मैंने online paytm customer care helpline number search किया जहाँ से मुझे 9080734313 नंबर मिला जब मैंने इनसे बात की तो ये बोले आपकी पूरी सहायता की जाएगी बस आपका deduction जिस UPI id के जरिए हुआ है उसका pin बताइए फिर amount आपका उसी के जरिए वापस किया जाएगा मै परेशान था समझ नहीं पाया और मैंने उसे pin बता दिया और उसके थोड़ी देर बाद मेरे अकाउंट से 14600 रुपए निकाल लिए गए… एक दूसरा नंबर भी है जिससे मुझसे pin के लिए बात की गयी +916289048099 अतः आपसे विनम्र निवेदन है कि इन लोगों के खिलाफ कार्रवाई की जाए और मुझे मेरे पैसे वापस कराएं जाएँ… मै आभारी होऊँगा आपका… उस साइट से संबंधित screen shot मै नीचे पोस्ट कर रहा हूं और पहले हुए 2500 के fraud का proof भी…2500 वाला fraud किसी Taiyab Ali ने किया है जो कि screen shot मे दिख रहा है अतः आपसे अनुरोध है कि जल्दी से जल्दी मेरी समस्या का समाधान करें

  3. आज सुबह मेरे पास एक advertisement आया कि एक offer है flipkart मे जो कुछ घंटो के लिए है उसमे Samsung note 8 2500 मे मिलेगा…so मैंने order place कर दिया पर कोई confirmation मैसेज नहीं आया amount deduct होने के बाद.. Amount मेरा paytm के जरिए deduct हुआ था फिर मैंने जब flipkart पर check किया तो कोई order place नहीं था… Amount क्योकि paytm के through deduct हुआ था इसलिए मैंने online paytm customer care helpline number search किया जहाँ से मुझे 9080734313 नंबर मिला जब मैंने इनसे बात की तो ये बोले आपकी पूरी सहायता की जाएगी बस आपका deduction जिस UPI id के जरिए हुआ है उसका pin बताइए फिर amount आपका उसी के जरिए वापस किया जाएगा मै परेशान था समझ नहीं पाया और मैंने उसे pin बता दिया और उसके थोड़ी देर बाद मेरे अकाउंट से 14600 रुपए निकाल लिए गए… एक दूसरा नंबर भी है जिससे मुझसे pin के लिए बात की गयी +916289048099 अतः आपसे विनम्र निवेदन है कि इन लोगों के खिलाफ कार्रवाई की जाए और मुझे मेरे पैसे वापस कराएं जाएँ… मै आभारी होऊँगा आपका… उस साइट से संबंधित screen shot मै नीचे पोस्ट कर रहा हूं और पहले हुए 2500 के fraud का proof भी…2500 वाला fraud किसी Taiyab Ali ने किया है जो कि screen shot मे दिख रहा है अतः आपसे अनुरोध है कि जल्दी से जल्दी मेरी समस्या का समाधान करें कृपया

  4. I was scammed by a fraudulent from bucks gainer indore name Hitesh Vijay vergiya.he was done friendship with his sweet stories voice and fallen me in the snare of a lot of amount from my bank account more than 70k in January 2017.what the way to recovery this online fraud amount.

  5. My approval number is CF3754124577/R015
    My application number is A9411R56787

    I transferred the processing fee to Sandeep Kumar CA his account number is .37464042858
    And IFSC code is – sbin0014963
    I transferred 3250 to his account to process my loan ..and after that one of them told me to pay 17500 I can’t afford to pay this amount . Refund my money .as soon as possible

    Regards
    SUSHMITA H

  6. Dear sir Delhi se call krke mere account se 85000 rs transfer krvae or Bola k app iPhone winner ho. ..abi b wo log 25000maang rhe hai. Raj ,jagriti ,neha. Sbi ne frod Kia hai.
    +911140234640
    +911140078718
    Ye unke no. Hai. .

    Or site na name LiftNkart hai

    http://www.liftnkart.com

  7. Der sir me puna se hu muzhe payse ki jarurat thi mene lone keliye big capital finance New Delhi noada online chack kiya tha to mene yahape 31200 online pay kiye he aaj 8/10 din ho Gaye o call nahi le rahe he or mera payment ritarn bhi nahi karte mene mera plz help mi sir . Mere pas online ditels he or mill bhi he unke aye huve plz sir help mi.

  8. on 23 sep 2017 my account has debited of 62296/- from my account without using my debit card i report this matter to bank but no response till now there are 03 transaction taken palace from icici bank to amazon online co some one hacked my account and purchased online from amazon co.

  9. 9069915192.. This number is registered as SBIFROD.. Nd a call of a girl from dis number has debited my 28000 amount from my credit card account

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