[Resolved]  Bank Of Baroda — Wrong Charges

Address:

Chandigarh, Chandigarh

Dear Sir, I have availed a Personal Loan of Rs. 50, 000/- vide A/C # [protected] from Bank of Baroda, Sector : 22 branch at Chandigarh. Due to some technical errors, regular installments from my saving account # [protected] were not recovered by the system (while the sufficient balance was available in my saving bank account) and my account was classified as Substandard from June, 2010 and Doubtful from September, 2010 which reflect in CIBIL report, get by me during December, 2013 for availing a housing loan from another bank. I have immediately contact at branch to issue me the clarification certificate in this regard to make my report score good but at first they have refused for the same. I was mentally harassed for this process, as my housing loan process was delayed and builder was issuing Reminders to pay my installment. It take approx. One week time then i decided to complaint at their Zonal office at Chandgiarh and was instruct from ZO to contact again at branch with manager and they have provide me normal certificate as a part of compliance without mentioning the errors. Once, again i have contacted at their ZO for the purpose and while contacting at branch this time, i was forced to pay due interest by signing the voucher to be recovered from my saving account for the same. However, the account was already settled during 18.05.2011. Due to need of clarification certificate, I agree for the same and they have issued me but charged wrong interest rate @ 17.25, however, while loan tenure, the rate of interest was only 13%. I request your good self to please help me to reimburse the loan interest charges of Rs. 2634/-, wrongly charged by the Bank of Baroda from my account. All supporting documents, i.e. CIBIL Report Page, copy of Saving Bank Account Statement, Copy of Loan Account Statement, Copy of Certificate, issued by Bank of Baroda are enclosed for your reference and justify my case. Regards Pramod Mathur M - [protected]