Consumer Redressal

Two fraudulent transactions Rs.41,479.90 and Rs 5764.93 were conducted on my HDFC credit card at Russia and UAE respectively on 16th February 2013. On expressing my dissatisfaction and after Bank reversed amount of Rs 5764.93 in the month of June 2014. But the major chunk of money is still disputed. Bank does not seem to be cooperative in this affair. I have lodged the FIR, approached to Banking Ombudsman, but till date there is no amicable solution. Cyber Crime Cell doubts it as a case of phishing. RBI’s notification # DBOD.LEG.BC.86 /09.07.007/2001-02 dated 8th April 2002 clearly writes “in cases where neither the bank is at fault nor the customer at fault but the fault lies elsewhere in the system, then also the banks should compensate the customers (upto a limit) as part of a Board approved customer relations policy” It seems HDFC Bank is deliberately putting this fraudulent liability to me causing mental agony and financial loss. Any sort of guidance shall be highly appreciated.