Scope of this area

A bank account may be affected by a debit freeze, hold, lien marking or other restriction during the investigation of a disputed transaction or cybercrime complaint. The nature of the restriction, authority issuing the direction, transaction layer and role attributed to the account holder require separate examination.

• Debit freezes, holds and cyber-lien markings
• Restrictions linked to cybercrime complaints or transaction chains
• Accounts alleged to have received or transferred disputed funds
• Requests for particulars from banks and investigating agencies
• Representations concerning continuation or scope of restrictions
• Applications and proceedings relating to release or defreezing
• Connected bail, investigation or quashing proceedings

Material that may require examination

Relevant records may include account statements, lien or hold particulars, complaint references, transaction-layer information, notices, correspondence with the bank, business records and material explaining the underlying transaction. A bank restriction and the related criminal allegation are distinct questions that may involve different authorities or proceedings.

Jurisdiction and procedure

Cyber complaints may originate outside Delhi even where the account holder or bank branch is located in Delhi. Jurisdiction, the issuing authority and the procedural route therefore depend on the particular direction and investigation record.