Steps to be taken in case unauthorized credit ( for example )of Rs.3600 in my SBI bank saving account through Google pay from unknown person

If you have received an unauthorized credit of Rs. 3600 in your SBI bank saving account through Google Pay from an unknown person, Mr. A. Yadav, and you have an apprehension of fraud, here are the steps you should take:

1. **Do Not Refund Immediately**: Do not refund the amount immediately. Scammers often use this trick to get money from unsuspecting victims.

2. **Contact Your Bank**: Notify your bank about the unauthorized transaction. Visit your SBI branch or contact their customer service helpline. Provide them with all the details of the transaction, including the date, amount, and sender's information.

3. **Contact Google Pay Support**: Reach out to Google Pay customer support and report the unauthorized transaction. Provide them with the transaction details and explain your concerns about potential fraud.

4. **Check for Fraud Alerts**: Monitor your bank account and Google Pay account for any unusual activity. Ensure there are no unauthorized debits or attempts to withdraw funds.

5. **File a Police Report**: If you believe the transaction is part of a larger fraud scheme, consider filing a report with your local police. Provide them with all relevant details, including any communication you have had with Mr. A. Yadav.

6. **Consult Bank's Fraud Department**: Speak directly with the fraud department of your bank. They may have specific procedures to handle such cases and can provide further guidance.

7. **Secure Your Accounts**: Change your Google Pay and online banking passwords to something more secure. Enable two-factor authentication if you haven't already.

8. **Document Everything**: Keep detailed records of all communications and steps you take, including emails, phone calls, and screenshots of the transaction and messages.

By following these steps, you can ensure that you handle the situation carefully and minimize the risk of falling victim to fraud.

Maintenance charges

 Maharashtra doesn't have a legal framework for mandatory federation registration.  Maintenance charges depends on the agreement between the societies. Here are two approaches based on a voluntary agreement:

1. Proportionate to Carpet Area:

• This is a fair and widely accepted approach.
• The federation calculates the total carpet area of all buildings across the five societies.
• Each society contributes a share of the total maintenance cost proportional to the carpet area of its buildings.
• For example, if Society A has buildings with a total carpet area of 20% of the total, it would contribute 20% of the maintenance charges.

2. Flat Fee per Building:

• This is a simpler method but might be less fair, especially if societies have a significant difference in building sizes.
• Each society pays a flat fee, regardless of the number of buildings or total carpet area.
• This might disadvantage societies with fewer buildings or smaller footprints.

• Agreement Details: The specific basis for sharing maintenance charges should be clearly defined in a written agreement signed by all participating societies. This agreement should also outline:
  • Frequency of contribution
  • Dispute resolution mechanism
  • Process for reviewing and adjusting the contribution amount

Benefits of a Clear Agreement:

• A clear agreement promotes transparency and avoids confusion or disputes regarding maintenance charges.
• It ensures fairness by considering the size and amenities utilized by each society.

Alternative to Federation:

• If forming a federation proves challenging, the societies could consider an informal collaboration.
• Each society could still contribute to a common maintenance fund based on a mutually agreed-upon method.