In India, cases of cyber fraud, online scam, and digital payment crime are rising rapidly. Thousands of people face problems like bank account freeze, lien mark, or hold due to cybercrime complaints filed anywhere in the country. In such situations, a cybercrime lawyer in India plays an important role in guiding victims, responding to authorities, and helping them restore their financial rights legally.
A bank account lien or freeze usually happens when a cyber complaint is filed against a transaction linked to your account. This process is done by the bank or cyber cell as part of the investigation. If you are innocent, you have the full right to present your side, submit documents, and request removal of the lien. Many people do not understand the process, which increases stress and delays resolution.
Below is a detailed explanation of what causes a bank account lien, how cyber advocates handle such cases, and how to request removal of lien and unfreeze your account.
What is Cybercrime in India
Cybercrime includes any illegal activity done using mobile phones, computers, digital platforms, or online banking systems. This includes UPI fraud, phishing calls, fake investment websites, gaming transaction fraud, social media fraud, digital arrest scam, job scam, courier scam, app download scam, OTP scam, and many other new forms of digital cheating.
Online scam cases have increased because criminals use social engineering, spoof calls, fake apps, and psychological manipulation. Victims are often unaware of how such scams operate and fall into the trap.
Why Bank Accounts Get Lien or Freeze in India
Banks freeze or put a lien on accounts when
• A cyber complaint is filed anywhere in India linked to a transaction
• A suspicious transaction is detected
• The complainant claims fraudulent transfer
• Payment is received from a scammer’s account unknowingly
• Money trails connect multiple accounts as part of investigation
A lien means you can see your balance but cannot use it. It is not always a punishment and does not mean you are the fraudster. It only means the bank has restricted the account till the investigation is complete.
Role of a Cybercrime Lawyer in India
A cybercrime lawyer helps you in
• Replying to investigation officers and banks
• Drafting legal responses
• Submitting proof of genuine transactions
• Making representation for lien removal
• Preparing applications for NOC
• Approaching court if required
• Advising on legal safety during investigation
• Helping with online scam recovery process
A cybercrime advocate understands the working of cyber cells and helps protect your rights.
Safety Tips From Advocate Deepak, Cyber Crime Lawyer
• Never share OTP, banking password, card details, or UPI PIN
• Do not click unknown links or install apps from untrusted sources
• Verify any unknown caller who claims to be a police officer or bank officer
• Avoid investment offers that promise unrealistic returns
• Do not trust digital arrest threats; no police arrests happen on video calls
• Keep transactions transparent and maintain proof for all payments
• Immediately report online fraud on 1930 or cybercrime.gov.in
How to Stay Safe from Digital Arrest Scam
Digital arrest is a fake scam where fraudsters pretend to be police or cyber officers through video calls. They scare victims by saying their Aadhaar or bank account is involved in a crime.
To stay safe
• Real police never arrest someone through video calls
• No officer demands money to close a case
• Government officers never contact through WhatsApp
• Cut the call immediately and report the scam
What to Do If Your Bank Account Is Under Lien or Freeze
You should
• Contact your bank branch and get freeze details
• Ask for the concerned police station or cyber cell information
• Take a screenshot of the freeze message
• Prepare a written representation
• Collect your transaction proof
• Contact a cybercrime lawyer to draft a response
• Request NOC for unfreezing the account
If the investigation officer is not responding, you may escalate the matter legally.
How to Remove Lien or Freeze From a Bank Account
There are two main ways
• Request NOC from cyber cell after submitting documents
• Approach court if NOC is not provided in reasonable time
A cybercrime advocate ensures proper communication, documentation, and legal process.
Application Format for Removal of Lien or Bank Freeze
Below is a clean, professional application you can submit to your bank or investigation officer.
To
The Investigating Officer
Concerned Cyber Police Station
Subject: Request to Remove Lien and Unfreeze My Bank Account
Respected Sir or Madam,
I am the account holder of [Your Bank Name] with account number [XXXX]. My account has been placed under lien or freeze due to a cyber complaint. I respectfully submit that I have no involvement in any fraudulent or suspicious activity. The transaction linked to the case is genuine and supported with valid proof.
I request you to kindly consider my documents and verify my explanation. The freeze on my account is affecting my daily financial activities and fundamental right to access my own money.
I request you to kindly grant the necessary permission or NOC to remove the lien and unfreeze my account at the earliest. I assure full cooperation in the investigation.
Thanking you.
Your Name
Mobile Number
Email
Address
How to Take Court Order to Remove Bank Lien
If the cyber cell does not clear the lien even after submitting proof, you may
• File a writ petition in the High Court
• Request direction to bank and cyber cell
• Seek order for partial or full unfreeze
Courts consider genuine cases and often grant relief when no evidence exists against the account holder.
How to Recover Money From Online Scam
Recovery depends on
• Early reporting
• Transaction trail
• Investigation progress
• Legal steps taken
• Bank response time
A cyber advocate guides you in drafting complaints, legal notices, and recovery petitions.
Disclaimer
This blog is for educational and awareness purposes only. It is not legal advice or advertisement. If you face any cybercrime, call 1930 or report at cybercrime.gov.in immediately.