[Resolved]  Barclays Bank Plc — Aggresive Behaviour by collection agent and non commitment by Bank

Term Loan A/c no [protected]

This refers to above mentioned loan, which was re-written on 21st Feb09 vide account no[protected].

At the very first place I would like to inform you that, I was approached by the Bank sales executive Mr Manohar, who on the basis of my car loan track record offered me a personal loan. I had put my requirement of Rs. 2.00 lacs, but on receipt of the loan I was shocked, which was beyond my capacity to repay. This person had taken my signatures on blank form.

The loan disbursed to me was as follows:

1) Against my car loan with HDFC for Rs. 146604/
2) Against my car loan with ICICI for Rs. 201650/-
3) A cheque favouring me for Rs. 380754/-

I had to pay foreclosure of almost Rs. 30000/- to close my existing car loans which were @10% interest, and was paid this loan @19.50% .

My bank account at the time of disbursement of this loan showed following:
Salary of Rs 27, 974/-.and the following EMIS as my liabilities:

1) Housing loan of Rs. 5893/-
2) Car loan with HDFC of Rs.6732/- (This car was already sold when I received your cheque, for reducing my liability)
3) Car loan with ICICI of Rs. 7108/-. (The car loan was an arrangement between me and my Elder sister who was repaying me this amount)
4) Personal Loan with ICICI of Rs 3317/- (This loan closed in June08, against which I was taking the liability to pay another loan)
5) Hence my personal liability would have been only Rs. 9210/- (My housing loan and personal loan)

However, with the prevalent financial condition at home, where the expenses were shared between me and my sister I have been repaying the loan, but after Nov08 I have been facing a major financial crunch, since my sister is without any job.

The loan was re-written by you on 21st Feb09 taking the out standings as on Dec08 as the loan amount and the schedule for the same was received by me only after tracing your officers, in the month of May09, due to which I have run a month behind the schedule to pay the EMI and again, with the current financial condition, it is very difficult for me to repay the EMI of Rs. 14406/- by me. Taking into consideration my salary of Rs. 27000/- and my housing loan of Rs. 5893/- per month, it is difficult for me to meet my mothers medical expenses which amount to almost Rs. 10000/- a month. My mother suffers from Left Ventricle Failure, Chronic renal failure and is a diabetic patient. The same was expressed by the caller on verification for sanctioning the rewriting of the loan too.

However, ignoring my housing loan since last 2 months and cutting down to my mothers medicines, I have arranged re-paying the instalments, though I rund behind the schedule of 1 month.

Now, my complaint is:
1) Sanction of loan without seeing the repayment capacity of the borrower, misguiding me in closing my car loans which were @ 10%, instead burdening me with a loan @ 19.5%

2) Filing a wrong case against me, which is used as a weapon by the collection agents. When my loan was re-scheduled, the outstandings as on 31st Dec'08 was carried forward. A case was filed by the bank against me, for bouncing the EMI for Jan'09 and I was asked to appear in the court on 24th May'09. THE NOTICE WAS RECEIVED BY ME ON 15TH JUNE'09. This notice is used by the collection agent as a weopon, who keep on threatening me of getting me arrested. I checked up with the Consumer Cell vide request no [protected] in the month of June'09, as to why any case has been filed against me, when the loan was re-written taking Dec'08 figures. I was promised by the bank that they would get back to me within 7 working days, which they have not as of today also. On re-checking up with them again on 25th July'09, I was told whatever case was against me has been withdrawn, difference of interest etc was waived off by them, but this PIECE OF PAPER IS STILL WITH THE AGENT, who have shown this to my office security and my neighbours.
I had promised this agent Swati and Rahul Jain located in western suburbs that I would be repaying the EMI on 25th July'09, but due to unavoidable conditions, I asked her to wait for 2 days, for which her immediate reaction was " Abhi batati hoon tujhe, I am just sending the summons to get you arrested you today"
I approached the consumer cell on 25th July'09 giving a complaint against this agency and asking them for a pickup on Tuesday evening by req no 2061201, which was again given to these agents only, who again harrased me. giving me calls late upto 11.30 in the night, using abusive language, passsing communal comments like " Saali Bhaiyan chor", sent their persons at home and office both, and threatening me left right and centre for getting me arrrested.
I personally went to the bank on 29th July'09 to pay off my EMIS and to give a written complaint against these agents for which the bank only had to say" COLLECTION AGENTS HAI, AISI BAAT TO KARENGE HI"
When, there is no such case against me, why does the Bank give them a liberty to threaten me.
Even after paying the EMIS' this girl Swaati kept on calling me, spoke to my peon in all colourful language against me, calling me chor and a cheat. She even kept on calling my sister during the day, My mother who is closing 82 years now, was given bad words, which resulted into a lot of hyper tension and her Creatine levels were effected immediately.

Even if I have defaulted, please go legally. No where in the agreement that I have written that I am liable to pay the interest as well as take an abusive behaviour of the Bank's collection agent.

I would like you to take a strong action against the Bank for being non - commitable for this behaviour of the agent and the collection agent Swati and Rahul Jain calling me from [protected], [protected], [protected], [protected], [protected], [protected], [protected]

Yours truly,

Praniti D. Verma
A/19-403, Shree Aarti, Shanti Dham
Mira Road (E) Thane - 401 107