u/Complete_Diver_3478

My father passed away with a ₹15L unsecured personal loan from SBI. He left zero real estate, and my mother’s only survival funds are statutory post-death terminal benefits (Pension, GPF, Gratuity).

The Situation:

• Round 1: SBI illegally froze her account to trap the pension. I filed an RBI Ombudsman complaint, won, and forced them to lift it.
• Round 2: Despite the ruling, the branch system attempted a rogue auto-debit on April 16th.
• Round 3: Their advocate just sent a legal notice (redacted pics attached) threatening a "criminal case" and arbitration/recovery proceedings.

My Response: I immediately sent a Speed Post AD reply stating:

1. We have zero attachable estate.
2. The incoming funds are strictly immune from attachment under CPC Section 60.

My Questions for the Lawyers/Bankers here:

1. Arbitration: Since I denied consent, what are the practical chances SBI actually spends money to file a Section 11 petition in the High Court for a zero-estate deceased account? I don't know if they know the Zero Estate fact in this case.
2. CPC Sec 60: In your practical experience, do civil courts ever let banks attach GPF/Gratuity once it hits a savings account, or does the CPC 60 statutory shield hold up and other pension protection acts?

https://preview.redd.it/3xiycy03q80h1.jpg?width=817&format=pjpg&auto=webp&s=19aa9a6a6cfd647d537553162b24847dc8f6e461

1. What should be my next steps?

My father passed away with a ₹15L unsecured personal loan from SBI. He left zero real estate, and my mother’s only survival funds are statutory post-death terminal benefits (Pension, GPF, Gratuity). She is not even a co-borrower or guarantor.

The Situation:

• Round 1: SBI illegally froze her account to trap the pension. I filed an RBI Ombudsman complaint, won, and forced them to lift it.
• Round 2: Despite the ruling, the branch system attempted a rogue auto-debit on April 16th.
• Round 3: Their advocate just sent a legal notice (redacted pics attached) threatening a "criminal case" and arbitration/recovery proceedings.

My Response: I immediately sent a Speed Post AD reply stating:

1. We have zero attachable estate.
2. The incoming funds are strictly immune from attachment under CPC Section 60.

My Questions for the Lawyers/Bankers here:

1. Arbitration: Since I denied consent, what are the practical chances SBI actually spends money to file a Section 11 petition in the High Court for a zero-estate deceased account? I don't know if they know the Zero Estate fact in this case.
2. CPC Sec 60: In your practical experience, do civil courts ever let banks attach GPF/Gratuity once it hits a savings account, or does the CPC 60 statutory shield hold up?
3. What should be my next steps?

SBI froze my mother’s personal account and set up an unauthorized standing instruction to recover a personal loan taken by my late father. They put a lien of 19 lakh, initially it was 18 before I resisted to pay from the upcoming survival funds from the Government. My mother is NOT a co-borrower or guarantor. I filed an RBI complaint, and on April 17, I submitted a massive legal rebuttal proving the bank's actions are illegal. Since then, total silence and the portal is stuck at Step 1. Seeking timeline experiences from the community.

The Timeline & Facts:

• The Debt: My father had an unpaid personal loan of 15 Lakh when he unfortunately passed away 6 months ago. He was a Govt. employee.
• The Illegal Action: Instead of following due process to recover from his estate, SBI targeted my mother. They froze her separate, personal SBI account (which contained her own survival funds + my father's upcoming terminal benefits) based purely on a letter from the District Education Officer (DEO) who said that the amount be recovered as per the law. My mother was never a party to this loan. They even placed an unauthorized standing instruction on her account to auto-debit the funds.
• April 7: I officially filed the RBI Ombudsman complaint after receiving an unsatisfactory response from the bank, fully following the 30-day escalation rule.
• April 17: The RBI sent me the bank's initial defense (claiming they acted on the DEO letter) and gave me strictly 3 days to file an objection.
• The Rebuttal (April 17): I submitted my objection the exact same day. I provided heavy legal citations, including Supreme Court precedents on terminal benefits, proving that taking unilateral action against a non-borrowing widow's account without a civil court decree is illegal harassment.

The Current Situation: It has been weeks since I submitted that heavy rebuttal on April 17th. The RBI CMS portal is completely frozen on "Complaint Registered" (Step 1).

Since ₹15 Lakh of my family's survival money is on the line, I need to plan my next moves carefully.

My Questions for the Community: For those who submitted hard proof/rebuttals and just waited out the silence:

1. How long were you stuck at "Complaint Registered" before the portal actually moved to the next step?
2. Did your UI ever glitch and jump straight to "Resolution Offered" or "Award Passed" without showing the intermediate steps?
3. Based on your experience, how many total days should I realistically expect to wait before the Ombudsman drops a final order?

Any raw timeline data from veterans who have fought complex, high-value compliance violations would be massively helpful.

https://preview.redd.it/ar0y55aw2xyg1.png?width=1503&format=png&auto=webp&s=897c749163ea9dd0786ed2d6ffe8014f398a60a4