STAFF MADE APPEAL TO CHIEF JUSTICE OF PAKISTAN FOR BIASED FORCED TERMINATION FROM BANK SERVICES

(copied and pasted as it was received from source)


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 Date 19th September, 2013

To, 
Honorable Mr. Iftikhar Ahmed Choudary.
Chief Justice of Pakistan, Supreme Court of Pakistan, 
Constitution Avenue, Islamabad
Islamabad.

REQUEST TO PROVIDE JUSTICES AGAINST PREJUDICES / INEQUALITY/DOUBLE STANDARD BASED TERMINATION FROM MCB BANK LTD SERVICE AS OG-III/CASHIER AGAINST FABRICATED CHARGE SHEET.

Most Respectful & Honourable Chief Justice of Pakistan,

My Name is XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX After completing my B.A degree program (Annexure 1) from government Degree College of Khairabad, District Mardan, Peshawar, KPK. I was appointed by MCB Bank Ltd on the permanent cadre of Officer Grade III/Cashier in the year 2011 in recognition of my satisfactory services rendered for being effective and efficient employee throughout my deputation time span since 2007 till 2011 under Third party Human resource providing company “PES” People Employee Services based in Lahore. Copy of certificate “employee of the month” given by MCB Bank Ltd in appreciation of my services is attached for your kind consideration as Annexure 2 copy of appointment letter offered by MCB Bank Ltd as annexure 2.1

I was performing my duties in accordance with MCB Bank Ltd policy and procedures/practises in the Khayaban-e-Saadi Branch (Code 1451) located near to Ex-president House, bilawal House, Clifton Block 2, Marine corner Shop Number 11-16, Karachi. prior transfer of mine into Khayaban-e-Saadi Branch a third party human resource providing company “3E Business Solution” deputed Direct sales consultant Mr. Faraz Ahmed Memon S/o Mulla Buksh Memon bearing CNIC # XXXXXXXXXXXXXXXX resident of House No XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX Sindh was performing his job/assignments since year 2010.

In the month of August or September said branch was burnt due to electric short circuit but MCB Bank Ltd Audit team has doubt that said fir was purposely given by culprit DSC Faraz Ahmed Memon. Soon after the reopening of said branch customer/public approached branch manager and reported their claims /fund embezzlement in their personal accounts along with this customer also informed their financial dealing with DSC Faraz Ahmed Memon.

In this regard bank management has conducted  departmental investigation for the public funds embezzlement /frauds directly committed by DSC Faraz Ahmed Memon upon customer complaints of Mr. Aslam Jamot for emblazing funds of USD 250,000 and complain of Mrs. .Zarshan and Mrs. Zainab and Mrs. Asma Aftab and Mrs. Roshi Umar and one fir was lodged by human resource providing company 3-E Business Solution against culprit DSC Faraz in continuation of first complain of MCB Khayaban-e-Saadi against third party human resource providing company. Copy of customer complaints are attached as Annexure 4 (13 pages)

Unfortunately there is no one public figure/influential person in my family or in area from whom I should arrange my “sifarishi call” to MCB Bank Ltd corrupt officials of Circle office Commercial Karachi east 5003 located at 15th floor MCB Tower, I.I.Chundrigar Road Karachi management they were constantly manipulated the departmental investigation/tempered bank record/awarded favor to their blue eyed staff to cover up their negligence/crime/involvement specifically DSC Faraz ahmed memon co associate and ex mate /ex operation manager of MCB Gizri Branch 1442 Mrs. Mehwish Shah . DSC faraz Ahmed memon arranged out of turn promotion & by using his corrupt bank officially network to appoint Mrs. Mehwish Shah as Branch manager of his branch MCB Khayaban-e-Saadi 1451 subsequently with his very close friend help regional Head Miss. Tooba Faiz Leghari and General Manager Mr. Nadeem Hussain. This is also to bring in your kind notice that, said culprit DSC Faraz Ahmed Memon was affiliated the Pakistan people’s party and party flags was installed on his car, since his deputation his living standard was beyond his salary and bank management was well aware of that and they were utilising their political channel for their government deposit mobilisation. A third party human resource deputed staff was well connected with MCB Bank Ltd management of Commercial Banking Group and directly with Business head Mr. Nadeem Afzal.

Soon after the fraud were surfaced after the August 2012 upon customers/public complain it was revealed to me by audit investigation team that, Business Head Mr. Nadeem Afzal and General Manager Mr. Nadeem Hussain (soon after the fraud surfaces resigned and his final settlements urgently credited into his account no 19015169 maintained at Mehdi tower branch code 1422, shahrah-e-Faisal Karachi. It shows that MCB Bank ltd corrupt officer are united and working in team to protect their interest and Bank reputation at cost of public/funds to fuel up their illegal activities and wealth accumulation.

It was in violation of bank of policy and procedure to appoint /depute any political affiliated person into branch where public most secret financial matters are discussed and handled/settlements are done by bank permanent staff who family/personal record are checked and to guarantor/reference confirm their character/non political affiliation it seems that DSC Faraz Ahmed was deputed /appointed purposely by corrupt bank officials that are Head Of external liability Mr. Khawaja Assad later on his replacer Mr. Ali Janjua to who DSC Faraz Reports his activities and who Job description was to monitor his performance in collaboration with Branch Manager but bank policy and procedure were violated in this case.

In-fact , Circle authorities are involved and provided him safe passage to escape, on dated 28.08.2012 Mr. Ghulam Arif case was reported to External liability head Mr. Ali Janjua and to Mr. Mujahid by Circle authorities and out of bank settlement was made and one hand written apology letter against said fraud was obtained from culprit DSC Faraz Ahmed Memon under the supervision of BH/GM (evidences available) but matter kept under the table and no restriction were issued to branches to restrict movement of DSC Faraz Ahmed memon. Instead he was purposefully/objectively/planned allowed 15 days leave prior to disappear and he attempted another fraud at MCB Hotel Mehran. Unfortunately controlling authorities were failed to protect bank interest and their decade’s experiences is useless to read con artist actions and plans. Annexure 3

Please investigate from MCB Bank Ltd President/Disciplinary action Committee/Group Head Audit higher authorities who were his guarantors in his job? And who hired him and upon who’s recommendations? Why name is was recommend for permanent slot in MCB Bank Ltd and made out of ways efforts? In CBBG who was the weak link (Mr. Shahzeb Bhutto/channel and pawn executing his commands? DSC faraz was not performing up to mark why his boss did not issued him warning letter/ transferred him to other branches of same region/ not terminated from Job being on third party contract for new business development ?

All these questions are creating doubt in my mind and seem pre planned organised crime dramatised by corrupt MCB Bank Ltd officers.

Further this is to bring in your kind notice that, in said fraud 08 branches are affected directly or indirectly and it is not possible that all branch’ s  which are under different zone/reporting line and their staff were interconnected and combinely committed said fraud with mutual consent.

In fact, in the month of April 2012 Mr. Aslam  made complain to branch authorities, but matter was put in cooled storage and concealed upon whose instruction?

ROM South (Syed Hassan Tahir Naqvi) had evidences/ and email whereas per his information he already initiated GM/RH/BH to take serious action him, after knowing all the information and wrong doings of culprit DSC faraz Ahmed memon all the controlling staff did not took any legal action him/ 3 E Business for series of mistakes. At the end he easily disappeared and meanwhile DSC faraz Ahmed sold his House located in posh area of defence Housing Authority and expensive/luxury vehicle (information of P.S Boat basin, Karachi) under controlling office nose/information.


Please refer to investigation & FIR lodged at Police station Boat Basin for fraud committed by Direct Sales Consultant Mr. Faraz Memon deputed by 3 E business solutions in MCB Bank Ltd. in their intern and final charge sheet submitted in court of law, investigating Officer Mr. Riaz Malik was not able to establish any connection /criminal activities/Malafied intention/Negligence in bank policy procedure/directly involvement of mine Mr. S/o Sherzada and did not reported my name in said final charge sheet as accused but instead they treated me as witness and Culprit DSC Faraz was declared as absconder by court of law “City Court, Magistrate- J south, Karachi . Copy of Charge sheet submitted by police station Boat Basin Karachi in Honourable court acknowledgment is attached as Annexure 5

Infact MCB Bank Ltd Audit Investigation Team South Karachi and Circle office Commercial Karachi East 5003 also accepted and wrote in their letter of charge that said frauds are committed by DSC Faraz Ahmed memon as per their letter subject matter attached appended as Annexure 9 .As per their predesigned mechanism I was considered by corrupt officers MCB bank Ltd as escape goat for other staff wrong doings and there are burden is shifted on me. Therefore they issued me chargesheet under their letter reference no COCKE/DISP/402 dated 28th November, 2012 along with me Branch Manager (Mrs. Mehwish Shah) and Branch Operation Manager (Mr. Aftab Sario) and Teller Services Supervisor (Mr. Syed Jarrar Shah) of MCB Khayaban-e-Saadi-1451 were also charged along with me but all involved staff are spared and are working in Branch as usual/normal. In that letter I am asked to clarify and justify pointed irregularities/chargesheet.

Honorable chief Justice of Pakistan Mr. Iftikhar Ahmed Choudary Please let me assure you I am married & destitute men already supporting my family /parents on borrowing loan aid from family and neighbors due to current prevailing economic conditions and non-availability of jobs in market and I do not have funds to establish any business on cart due to debit burden. This is for your kind consideration that there is no complain against me ever before in my banking career. I have always given top priority to protect bank interest because it is my bread and butter and there is no source of income to me.

Unfortunately MCB Bank Ltd has terminated my Bank Services of 6 years against illegal/forceful/in violation point number 5 of letter of acceptance issued by ministry of finance for the privatization of Muslim Commercial bank /bogus allegation/ deprived from basic services right defined by Islamic republic of Pakistan’s constitution. Scan image of MCB Bank Ltd letter of termination appended as Exhibit 1

MCB Bank issued fabricated charge-sheet to innocent cashier later terminated


I am humbly requesting honorable chief justice of Pakistan to have mercy on me and my family and review my case under genuine factual evidences based justification and Please inquired the matter with MCB Bank Ltd and award justice to me & with my hungry/poor/helpless family. In absence of any work/constant financial support to daily basic living expense with 2 children and 2 elderly parents under prolong disease. I cannot answer their painful questions for food and medicines and ultimately will commit suicide and will held responsible MCB Bank Ltd Chairmen Mr. Mian Mansha and president of MCB Bank Ltd. There is no other immediate financial support for my family. Unfortunately I am being punished under white-collar crime by bank authorities considering themselves God and negligence’s of my superiors. For your kind consideration I have elaborated point wise reply against each charge for your kind perusal.

  1. Charge Number 1: you found negligent of debiting the account of Mr. Altaf Hussain Umrani for Rs. 1,700,000/- without obtaining instrument/cheque on the instruction of Faraz (DSC) and funds were credited in the personal account of Faraz (DSC) and allowed DSC to Pass/override the said transaction by giving your system.
Justification: MCB Bank Ltd audit department/circle office commercial Karachi east 5003 corrupt officers have framed bogus/false first charge that, I individually in violation of Bank policy and procedure adhered in chapter 13 BRANCH TRANSACTIONAL AUTHORITIES & THRESHOLD LIMITS and beyond Banking system transaction limit/ restriction defined for cahier/chief cahier  (Rs.50,000) cannot executed such transaction independently and mandatorily required password of threshold limit related bank senior officers. Therefore said bogus charge is null and void and does not fit on me. Screen short of threshold limit for online or internal funds transfer refereed in exhibit No 4  had debited account of Mr. Altaf Hussain Umrani for Rs. 1,700,000/- . On that day in late banking hours a fund Transfer Application i.e.  FTA (SF 100R) was personally handed to me by Branch Manager Mrs. Mehwish Shah with direct instruction to transfer the funds/amounts as per given detail on fund Transfer Application -FTA(SF 100R) by debiting said customer account in compliance of customer instruction given to Branch manager and credit proceedings into DSC faraz’s account.

Consequently i refused to executed/initiate said transaction on simple FTA without cheque and referred it to my immediate supervisor that is Teller Services Supervisor (Mr. Syed Jarrar Shah) and Branch Operation Manager Mr. Aftab Sario of that time because i was aware that Bank policy and procedure  discourages Internal funds transfer on simple FTA (SF 100R) in absences of security instrument from customer, subsequently said transaction was beyond my financial limits and requires supervisor authorization and password to execute. I followed my superiors/Immediate boss orders to executed said disputed transaction under their supervision and override according to financial limit and dual control policy of MCB Bank Ltd. Why it was not discovered/checked by branch supervisor (Teller Services Supervisor) Mr. Syed Jarrar Shah by comparing daily vouchers and daily working in reconciliation with system generated report RB-11 and later said disputed transactions were reported to circle office commercial Karachi east 5003 under High value Transaction report to compliance officer Mr. Arshad Ali Somorro to review transaction effects under State Bank of Pakistan Anti Money Laundering policy or under Suspicious Transaction Report and his comments about said transaction.

This is for your kind consideration that said Mr. Altaf Hussain Umrani has per market information is the proxy of Mr.  for illegal property deals and other financial settlements and DSC Faraz was also having affiliation with Pakistan people’s party and both DSC and Mr. Shahbaz Umrani (operation mandate holder and account operator of Mr. Altaf Hussain Umrani and its very shocking and does not any create logic why any businessmen did not noticed that his funds are short since long and did not reported the incident to Branch /Bank officials on time or afterwards instead said of Rs. 1700,000/- is launched jointly with claim of another fraud committed by same DSC Faraz in MCB Hotel Mehran for Rs. 07 Million along with two bogus pay orders. Copy of Mr. Altaf Hussain Umrani is also attached in that complain he has accepted that he was maintaining financial relationship with DSC Faraz Memon and out of Rs. 07 Million only two pay order amount is outstanding whereas all amount has been paid back by DSC Faraz Ahmed memon. This is very suspicious why all complaint have approached branch combinely and did not ever approached branch before why all affect less are having affiliation with Pakistan people’s party these question create doubt and why MCB Bank Ltd circle authorities are maintaining personal relationship with culprit DSC and utilizing his political channel and resources .

While executing said disputed transaction nothing was observed/ noticed by my superior’s Branch Manager Mrs. Mehwish Shah Operation Manager Mr. Aftab Sario and Teller Services Supervisor about (DSC) Faraz deliberate and purposeful fraud intentions. This is also for your consideration that MCB Bank Ltd Branches were doing internal/on line funds transfer under Branch manager supervision and Regional operation Manager supervision and later on Annual Audit also inspect the Branch record as per bank set standards and any discrepancies are notified to branch to regularize the instances extract of MCB Bank Operational manual appended that defines that transaction upon Funds Transfer application-FTA (SF100R) is legitimate and process is defined further MCB Bank Branch are on daily basis executing Outward foreign remittance upon simple Fund transfer application (SF100 R) and there is not official restriction instead it is written to strength the transaction a cross cheque can be obtained .

Unfortunately all transaction involved staff are normally working in branch and I was removed from branch and in punishment surrendered to circle office commercial Karachi east 5003 without any assignment instead over their deputed staff told me that hence you are removed from branch and other are working in branch it mean that it is already been decided but to protect bank from any legal action they will do the bogus exercise of impartial enquiry and disciplinary action meeting and their bogus decision.
Extract from MCB Bank Ltd Operation Manual V-2 December, 2010 as Exhibit 2
MCB Bank Ltd High Value Transaction Limit to be reported to compliance group & SBP

Extract from MCB Bank Ltd Operation Manual V-2 December, 2010 as Exhibit 3

MCB Bank KYC for High Value Transactions

Extract from MCB Bank Ltd Operation Manual V-2 December, 2010 as Exhibit 4
Chapter 13 BRANCH TRANSACTION AUTHORITIES & THRESHOLD LIMITS

BRANCH TRANSACTION AUTHORITIES & THRESHOLD LIMITS

Extract from MCB Bank Ltd Operation Manual V-2 December, 2010 as Exhibit 4.1

  1. Charge No 2 : You reversed (after posting of 20 Minutes )  Rs. 2,605,200/- on dated 22.02.2012 which reportedly deposited cash in the account of Mrs. Asma Aftab without keeping the evidences and informed entry was reversed by XXXXXXX then BOM, however as per Khayaban-e-Saadi attendance register Mr. XXXXXXXx was transferred to MCB Gizri Branch on 20.02.2012.


Justification: Said allegation is baseless and false and Mrs. Asma Aftab does not have any legitimate proof/evidences (cash deposit slip) that she had personally deposited said disputed amount over the cash counter of Bank in compliance of State bank of Pakistan (Regulator) and MCB Bank Ltd policy and instruction also affixed on cash counter glass. For your kind consideration there is nothing written in her complain that cash of Rs. 2,605,200 were deposited by her and said amount transaction is not appearing her account statement as of 20.02.2012. Logically and legally I would request your kind authority to review the Mrs. Asma Aftab written complain given to Branch Manager against his funds embezzlement copy attached as Annexures 6 she does not have any claim for quoted /bogus charge framed upon said transaction of Rs. 2,605,200. When customer has no claim why audit and MCB Bank ltd have illegally /falsely charged me.

Further to be noticed that, cash entry of Rs. 2,605,200/- was reversed on dated 20.02.2012 in compliance's of MCB Bank Ltd policy and procedure of dual control /joint operation /passing & signing schedule the supervision of my immediate Boss Teller services supervisor Mr. Syed Jarrar Shah with his password as second level supervisor and later on end of day voucher checking by Branch operation Manager review of each transaction with comparison I with report RB 11 and his sign off/authorization for record safe custody.

Extract from MCB Bank Ltd Operation Manual V-2 December, 2010 as Exhibit 5
Since 20.02.2012 till complain date 17.09.2012 for 7 months she did not made complain to branch or did not personally meet with branch manager of operation manager or did not lodge complain at MCB Call center about her funds embezzlement's or in contrast she purposely gave DSC Faraz Memon said disputed amount in collaboration to make claim against bank and jeopardise jobs of innocent bank staff and MCB bank ltd without any fair trail sentences me termination from bank services.

Let me brief you about actual situation of that on dated 20.02.2012 (DCS) Faraz presented me cash slip along with cash of different denomination. I enquired matter why you are depositing such huge funds (Rs. 2,605,200) into unknown customer account and refereed that matter to Teller Services Supervisor for proofing/validation after my immediate boss Teller services supervisor confirmation /authorization in return he affixed his entitled cash stamp “Cash received above Rs. 100K” and then i posted said cash slip under the financial/passing schedule/ under joint operation/ bank specified threshold limit/posting restriction system forwarded password pop-up menu to my supervisor he passed said slip by entering  his password /consent/approval. Later upon scrutiny of physical cash for few doubtful notes I informed my supervisor and requested DSC Faraz Memon to replaces same with other good notes upon quarrel and not replacing the doubtful notes my immediate boss TSS Mr. Syed Jarrar Shah refused to accept such notes on bank behalf. Consequently upon BOM and TSS instruction information/notice TSS revered cash entry of Rs. 2,605,200/- by entering his password and passing over ride in to banking system and also wrote his remarks against said in RB-11 daily all transaction report and reversals and approved by sign off of same sheet. Therefore we handed over the cash to depositor DSC Faraz upon biases of as it was handed over at cash counter in presences of bank staff and CCTV recording.

In fact branch manager /operation manager/Teller services supervisor did not filled the CTR from in compliance of Bank policy to report the said cash transaction above Rs. 2500,000/- in to CTR application and in fact circle office authorities including ROM/RH/Compliance officer / and SBP reporting unit & AML Compliance department failed to notice the posting of said transection and did not enquired the reason for reversal and they remain negligent to mitigate the risk exposure. Therefore said charge is bogus and it seems predesigned/fabricated misfit allegation on me and is beyond scope of job description I signed and said false charge should be withdrawn from me. Further investigating auditor Mir Arshad forcefully under job threat made me to write the name of Mr. Shahzad Hashim instead of Aftab Sario then Operation Manager and Branch Manager Mrs. Mehwish Shah.

In my defences please read MCB Bank Ltd policy and procedure/practise defined in their operation manual that is designed in accordance with State Bank of Pakistan (Regulator) policy/circulars/SRO which are designed in consideration /in alignment with government of Pakistan instructions/ordnance/act /ministries defined time to time.
Extract from MCB Bank Ltd Operation Manual V-2 December, 2010 as Exhibit 6
Extract from MCB Bank Ltd Operation Manual V-2 December, 2010 as Exhibit 7
Extract from MCB Bank Ltd Operation Manual V-2 December, 2010 as Exhibit 8

  1. Charge Number 3. Amount of Rs 413,135 was deposited by Mr. Ali shahid was apparently pocketed by you?
Justification: I completely disagree with MCB Bank Ltd false allegation /charge sheet framed on me considering me less powerful /poor/destitute/illiterate and I was made silent by circle authorities not to complain anything to MCB Bank ltd president and any other government authorities that will against you because I have signed code of conduct in that I have gave up me basic rights of self defence & innocence.

MCB Bank Ltd has wrongfully/in violation & beyond scope of their operation manual has charged me for pocketing Rs. 413,135/- cash deposited by Mr. Ali Shahid. Honourable chief justice of Pakistan Mr. Iftikhar Ahmed Choudary I would request you to enquired the matter from MCB Bank Ltd Official/concerned staff to proof/provide any evidence as per their allegation that “Amount of Rs 413,135 was deposited by Mr. Ali Shahid” by personally visiting the branch at MCB Bank Ltd Khayaban-e-Saadi branch’s cash counter and disputed cash was handed over to me. I already told MCB Bank Ltd and authorities of police station Boat basin Karachi during their investigation of said matter that Mr. Ali Shahid did not visited the branch on 09th August 2012 to deposit the cash himself as evident from his complaining email dated 10-September, 2012 attached as Annexure 7. Further after one month despite their office staff obtained regular account statements as per routine why their accounts department staff and Mr. Ali Shahid did not notice shortage of funds /missing cash transactions entry. Along with this let me further inform you that Mr. Ali Shahid Staff Mr. Ashraf Ali was maintaining personal relationship with DSC Faraz. Mr. Ashraf Ali also maintaining account no 2911 in same MCB Khayaban-e-Saadi branch sold his brand new 2011 Toyota Vitz car against Rs. 890,000/- and said funds were transferred/credited on line by MCB Gizri branch (Hub of fraud activities)  on simple funds Transfer Application # 504636  on dated 10.08.2011 debiting on line/remotely account of Mr. Rafiq Ahmed Jamali another Pakistan People’s party MNA elected from District Dadu, Sindh  through fake signature done by DSC Faraz (as per audit report). Both Accounts were maintained at MCB Khayaban-e-Saadi Branch but MCB Gizri involved/Malafied staff debited and credited funds online upon request of DSC Faraz. Copy of FTA is attached as Annexure 8

During my services tenor in MCB Bank Ltd, there is no single complain against me during my posting in MCB Khayaban-e-Saadi-1451 including my pervious branch, you can search my bank /character record and I am never charged before by bank or any other authorities. Let me assure/guarantee you said cash and slip were never presented to me at cash counter and I had never personally collected said cash from complainant Mr. Ali shahid’s rider you can review the Branch CCTV video recording of that day, further said slip does not have my signature or initial on it and stamp is also fake/forged because stamps are always kept under cash department & under dual-control / supervision of TSS and BOM.

In fact police stations Boat Basin Karachi has conducted enquiry/investigation upon complain of 3E Business Solution company third party human resource supplier and later P.S Boat Basin upon completion of enquiry submitted interim and final challan /charge sheet to Honourable court of Judicial Magistrate south, city court Karachi copy P.S Boat Basin charge sheet upon accused DSC faraz is attached as Annexure 5 even they did not framed me any charges /allegation on me instead they reported me as witness in same disputed transactions. Then why MCB Bank Management is shifting the fraud burden of other involved staff on me whereas i was lowest in branch hierarchy and working in capacity of chief cashier under supervision of BOM and TSS and BM. Therefore said allegation must me withdrawn and no disciplinary action should be done against bogus charge. Copy of customer complains is also attached as annexure 7
Extract from MCB Bank Ltd Operation Manual V-2 December, 2010 as Exhibit 9.

  1. Charge No 4: you followed the instruction of Branch Manager and handed over cash of Rs. 3 Million from bank cash to DSC faraz on dated 09.08.2012 for payment of Mr. Ghulam Arif whereas there was an insufficient balance in DSC faraz’s account. However on the same day DSC faraz refunded that amount from his personal resources or by pocketing amount for any other depositor to balance the cash in hand of branch on dated 09.08.2012
Justification: I completely disagree with said bogus/evidence-less charge and allegation farmed on me. On dated 09.8.2012 I never gave Rs. 03 Million to (DSC) Faraz during whole banking day upon instruction of Branch manager Mrs. Mehwish Shah further it was not possible for branch to pay sudden/without notice such huge amount to anyone and as per branch practise branch operation manager/branch manager book the required cash from cash house and deliver the same to customer upon delivery to branch. During my posting at Khayaban-e-Saadi or specifically on dated 09.08.2012 I never gave bank’s cash to DSC Faraz this can be confirmed /cross verified by my immediate boss Teller services supervisor Mr. Syed Jarrar Shah  sitting beside by along with another cashier . All branch staff were present and were working as usual /normal as per bank procedure and my BOM made many visit in cash department nothing was found suspicion or in violation of bank policy.

If Mr. Ghulam Arief matter was disclosed to branch manager and Mrs. Mehwish Shah was aware that (DSC) Faraz has made embezzlement with said client, why she did not warned branch officials and management on time to be vigilant and more careful, she is deeply involved with (DSC) Faraz and was the beneficial with him. On dated 09.08.2012 I opened and close cash under the supervision of TSS/BOM and wrote sheriff Book/cash book as well as cash movement from cash valuate to cash counter on cash movement register as per bank policy and procedure and performed all my duties under the close supervision of my immediate boss Teller services supervisor Mr. Syed Jarrar shah later at end of day/summarising of cash and closed the cash as per bank sheriff book/cash book under the bank cash closing exercise done by Branch Operation Manager by checking each notes bundle and packets for confirmation you can review dated 09.8.2012 cash book of branch.

As per handwritten confession obtained by circle office commercial Karachi east 5003 General manager Mr. Nadeem Hussain who already resigned and runway under arrangement made by Business Head Mr. Nadeem Afzal in presences of Mr. Ali Janjua who also resigned and runway upon instruction of Deeply involved Business head as per said confession DSC Faraz accepted his crime of funds embezzlement of public funds including Mr. Ghulam Arif who is also affiliated with MQM and has worked in Sindh government on the position of secretary . As per my information MCB corrupt officer first attempted to cam the customer Mr. Ghulam Arif by offering him out bank settlement for his embezzled funds in surety/guarantee of no complain to bank president. Therefore all the information was kept under the table till last minute culprit DSC vanished along with public funds. I would request your kind authority to refer the DSC Faraz hand written confession to FIA technical department of the confirmation of his hand writing. Copy of confession as attached as Annexure 11

Therefore this allegation is based on rumours and no evidence is available with MCB Bank Ltd hence no charge should be framed on this baseless allegation upon corrupt deeply involved branch manager Mrs. Mehwish shah who was promoted to branch manager upon arrangements made by DSC faraz to his ex-branch mate and very close friend. Thus the audit findings are baseless and totally fabricated just diver the attention from actual crime committed by MCB corrupt officials and protect their jobs/malpractice. Therefore bank cannot terminate my against said baseless allegation in absences of substantial evidence and I would request Honourable chief justice of Pakistan to take serious action against MCB Bank Ltd corrupt officer and bring them to justice and set a precedence against such institution which were handed over in the name of privatization and corruption and the bank management is constantly violating the basic clause pertaining to employee jobs security /safety as it was defined in letter of acceptance issued by ministry of finance.
Extract from MCB Bank Ltd Operation Manual V-2 December, 2010 as Exhibit 11
Extract from MCB Bank Ltd Operation Manual V-2 December, 2010 as Exhibit 12

  1. Charge No 5 : You did not keep the cash received stamps up to Rs.100,000/- safe and secure which was apparently  misused by you or DSC faraz on deposit slips claimed by account holders.
Justification: I completely disagree with said bogus charge/allegation on me. Honourable chief justice of Pakistan I would request you to appoint impartial enquiry team to investigate the matter and bring culprit and his associate corrupt MCB Bank Ltd officers and bring them to justice for their terror and taking away the respect and dignity by awarding innocent staff blame and burden of corrupt bank officers. That are Regional operation manager of Circle office commercial Karachi east 5003 Mr. Syed Hassan Tahir Naqvi already answerable/charged in many case in banking court and other courts deeply involved in corruption and I would request you to review his account statement of previous and newly opened account will finds links of kickbacks/bribes/monthly extortion cum protection money . Secondly Mr. Nadeem Hussain General Manager of Circle office commercial Karachi east 5003 who resigned and runway to USA after letter received from Honourable Human right cell of Supreme Court of Pakistan of clarification in the matter complaint lodge by Mr.  Ex BOM of Khayaban-e-Saadi.

Sir in the Name of Allah all mighty  & to whom I have to submit my life and to whom we will return after death and read kalmia Mubarak “ La e la ha Elilal aha Muhammadur Rasool lulah” Let me guarantee you that I never handed over cash stamp “ Cash Received -Stamp valid Rs. 100K “under my custody there is never single instance since my posting  where stamp under my custody has been reported mismisused; I performed  duties and assignment well above standards in compliance of my singed job description /instruction and pursuance of order passed to me time to time . I was fully vigilant for the stamps which were under my custody “cash paid” affixed on cheques & cash Received Less then Rs.100,000.

It is evident from Audit investigation that DSC Faraz made arranged fake / illegal stamps and was constantly receiving cash from his familiar customer in blind trust by them on DSC Faraz and has affixed same fake stamps on customer deposit slips. All the disputed slips does not have my signatures/ initials on it and I am not responsible for the crime DSC Faraz Has committed with public by position /job given by bank to thug DSC without monitoring his activities. Further your kind authority will notice that all the affected customers were maintaining very close relationship and they mostly visit branch and meet only DSC Faraz.

It was the responsibility of Branch Manager /Area Sales Manager /Regional head to whom said culprit DCS was in reporting line and they were job description /responsibility was to check the activities of DSC Faraz and why customer were maintaining beyond limit/trust relationship with him . Branch manager Mrs. Mehwish shah also failed and did not interfered on time while DSC Faraz was establish relationship to cheat them later. As per bank policy branch official stamps are under dual control of Chief Cashier and TSS/BOM whereas i always protected bank interest rather then self interest as it my family bread and butter. I always deposit cash received stamp in cash vault while my TSS/ BOM inspect and recheck them at the time of cash closing & matching its figures with cash book. As few other instance of embezzlement were reported to branch where (DSC) faraz has affixed (DAK Received Stamp) on cash slip.

Extract from MCB Bank Ltd Operation Manual V-2 December, 2010 as Exhibit 10
                       
In view of above cited justification in my defence in absence of actual questioned evidences no supporting attitude by circle authorities instead the remove me from branch and posted me at circle office commercial Karachi east in punishment even before examining the incident evidences/circumstances and without giving me any chances to prove my innocence/fair trial. Consequently it is evident from the MCB Bank Ltd prefabricated enquiry in the name of impartial injury/bogus annual audit examination/ predesigned branch rating/ No proper coaching counseling given by higher authorities/no certification was awarded to improve/No improvise services standards training/ No medical coverage for elderly parents despite institution making billion of Rupees profit after tax and same is also not properly dispenses amount shareholders. Further there is no transaction reported by any customer that directly involve me for pocketing public funds/or banks funds in to my own account or for personal use satisfaction.

Unfortunately MCB Bank Ltd has lodge complain into Federal investigation Agency economic wing, commercial banking circle, located at Sindh secretariat barrack no 66, Karachi  and purposely nominated my name as accused in pre designed /fabricated scheme for insurance claim/compensation further I am telling you advance no claim will be settled by M/s Adamjee Insurances owned by same chairman Mr. Mian Mansha and his active group and later they will lodge write off from bank own profit and will gain the tax shield and tax refund for same. This action was also very painful for me it is MCB Bank Ltd routine practice to lodge complains in FIA against his own innocent staff for fraud committed by main culprit despite crime action /crime scenes point out the actual culprit. It is not possible for me to arrange lawyer and pay his legal consultation fees to obtain justice in current Pakistan situation.

Therefor I am requesting your honorable chief Justice of Pakistan Mr. Iftikhar Ahmed Choudary to review my request on humanitarian ground and my sympathetically appeal to do justice with me and with my destitute family because there is no other source of income for me and for them due to current economic condition and Job recession and ever increasing cost of living due to inflation and government policy. I am notable to feed them and not in condition to bear the cost of living unfortunately as this lower grade job it was not possible for me to save for rainy day where as I am already in debit burden of my neighbours and cousin. This is very discouraging for me and I am not able to stand/face my family that I am not in position to  feed innocent babies once in a day Please in the name of Allah mighty mercifully please please help me  and award me justice and compensation from such cruel / selfish/ corrupt bank officer under the influence and power invested by bank and they are getting salary /annual increment/bonus in many hundred thousand and there is no one to check them and control them monitor their false activities and they continues such cruel/harsh decision on innocent lower grade MCB dedicated  staff under the protection and name of audit inspection and fake /bogus impartial departmental enquires by internal officer already working under their command & control and getting salary from  their payroll. How come they will do impartial inquirers its open rape/insult of constitution of Pakistan and justice system without any fear and any punishment by MCB Bank Ltd.

This is further to inform you, MCB Bank Ltd  banking application is outdated/no functional/ risky/ un accurate and there are several incidents of no collection of government tax from customer transaction or tax on bank services. And there is no proper actions are taken by concerned department.

Anticipating quick remedy and action against MCB Bank Ltd and their corrupt officers and improvising in banking law and Bank employee protection and safety. I would request you to instruct State Bank of Pakistan to strictly review the performances of privatised banks and their corruptions.

May Allah give you more strength and power as you are the last hope for justice and no other person in Pakistan? Can replace you and your contributions to make Pakistan more sovereign /stable country, therefore Allah alalmighty selected you/appointed you to give justices “adal” to deprived destitute people like me.  Please help me to restore my self-esteem /dignity/Honor by ordering MCB Bank Ltd concerned to restate me or assign me any assignment at back office support just to feed my children and not make jobless with no future and financial support.

Yours truly,

Encl: Annexures