जब किसी पर cyber fraud या suspicious transaction का doubt होता है, तो police या cyber cell bank को कहकर उस व्यक्ति का account freeze करवा देती है। Account freeze होने के बाद आप न तो पैसे निकाल सकते हो और न ही transactions कर सकते हो। लेकिन अगर आप innocent हो और fraud में involved नहीं हो, तो आप अपना bank account unfreeze करवा सकते हो।
Step by Step Procedure to Unfreeze Bank Account after Cyber Police Freeze
1. Reason समझना (Understand the Reason)
सबसे पहले यह पता लगाओ कि आपका account किस वजह से freeze हुआ है।
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Bank से पूछो कि किसके आदेश पर freeze हुआ।
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Usually cyber cell या local police investigation के दौरान freeze करवाती है।
2. Complaint Copy या Freeze Order लो (Get the Freeze Order/Complaint Copy)
Bank से freeze order की copy माँगो। इसमें लिखा होगा कि कौन सी police station या cyber cell ने request किया है।
3. Representation/Application Draft करो (Prepare a Representation Letter)
एक detailed application/representation तैयार करो, जिसमें यह लिखो कि:
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आप innocent हो।
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Transaction genuine थी।
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आप cyber fraud में involved नहीं हो।
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Attach supporting documents (ID proof, bank statement, transaction proof)।
4. Cyber Police/Cyber Cell में Application दो
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Freeze करवाने वाली police station या cyber crime branch को application दो।
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Request करो कि आपका account unfreeze किया जाए।
5. NOC (No Objection Certificate) लो
अगर police satisfied है कि आप fraud में शामिल नहीं हो, तो वो आपको NOC (No Objection Certificate) जारी करेगी।
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यह NOC आप bank को submit कर सकते हो।
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Bank उसके बाद account को unfreeze कर देगा।
6. Court Approach (अगर जरूरत हो)
अगर police NOC नहीं देती है, तो आप court में application (under CrPC 451/457) डाल सकते हो। Court order से भी bank account unfreeze हो सकता है।
Sample Application to Cyber Police for Unfreeze Bank Account
To,
The Officer In-Charge,
Cyber Crime Police Station, [City/Location]
Subject: Request for Unfreezing of Bank Account [Account No. XXXXXXXX]
Respected Sir/Madam,
I, [Your Name], S/o [Father’s Name], resident of [Address], humbly submit that my bank account no. [XXXXXXX] maintained with [Bank Name, Branch] has been frozen on the directions of your office in connection with a cyber fraud investigation.
I would like to state that I am not involved in any fraudulent activity and the transactions in my account are genuine. I am a law-abiding citizen and ready to cooperate in the investigation.
Therefore, I request you to kindly issue necessary instructions or a No Objection Certificate (NOC) to the concerned bank for unfreezing my account at the earliest, as I am facing severe financial difficulties.
I am enclosing herewith the following documents for your reference:
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Copy of my Aadhaar Card/PAN Card
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Bank Statement of last 6 months
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Transaction proof related to the case
I shall be highly obliged for your kind consideration.
Yours faithfully,
[Your Name]
[Mobile Number]
[Email ID]
[Date]
Sample NOC Format from Cyber Police
NO OBJECTION CERTIFICATE
This is to certify that Bank Account No. [XXXXXXX] in the name of [Account Holder Name], maintained with [Bank Name, Branch], which was frozen in connection with Case No. [XXXX] dated [DD/MM/YYYY] under sections [IPC/IT Act], is no longer required for investigation.
Therefore, we have no objection if the said bank account is unfrozen and the account holder is allowed to operate it.
Issued By,
[Name of Investigating Officer]
Cyber Crime Police Station, [City]
Date: [DD/MM/YYYY]
Seal & Signature
अगर आपका account cyber police ने freeze किया है, तो घबराने की जरूरत नहीं। ऊपर बताए गए steps follow करके आप account को unfreeze कर सकते हो। सबसे important है कि आप जल्द से जल्द cyber police से contact करो और सारे proofs submit करके अपना नाम clear करवाओ।
Disclaimer
This blog is for educational and awareness purposes only. It does not constitute legal advice, professional consultation, or solicitation of services. Readers are advised to stay alert, verify information from official sources, and consult a certified cybercrime advocate for case-specific guidance.