[Resolved]  Barclays Bank Plc / Personal Loan — Demanding payment for the pre-close personal loan account

Address:

Hyderabad, Andhra Pradesh

[protected]
I have availed a personal loan in Barclays Bank PLC on[protected] for Rs.4,89,000 for 48 EMIs x 14,364. Immediately within days I got major heart attack, diabetic attack and neuro attack. Doctors advised me to take complete bed rest while discharging. As soon as I discharged I have forced to close my business activity and in the process I have approached the Barclays Officials for cancel of my personal loan with all the medical documents & they have asked me to wait for some time for approval from their head office & promised after the approval they will pre-close the account.
Sincerely I was following up regularly & waited patiently and on dot I have paid my first EMI Rs.14,364 on[protected] and requested them not to use the facility of electronic transfer being I am going to close the bank account. After negotiations one of the executive of Barclays agreed for settlement figure of Rs.4,55,000 & accordingly I have given cheques against proper receipts of Barclays DSA & requested for no due certificate for which they have promised to issue the same after realization of all the post dated cheques. With a trust I have agreed but unfortunately I have not received any certificate in last 3 years of closing of my loan account.
Surprisingly since last 6 months I am receiving calls from Barclays executives from difference places & call centers including their DSAs and patiently I was explaining to them the background. Some of them said we will inform to concern authorities & we will come back to you but never they have turned up. Some people were talking rudely. In month of June this year I have received a legal notice from Barclays Advocate & I have replied back through my advocate.
Again now & then I am receiving calls and patiently answering all of them and yesterday I have received call from one Mr. Rana [Mobile no. [protected]] and introduced himself as a officer of Delhi High Court and threatened me with a police action and guided me to talk to an advocate and given his name and phone number as PK Malhothra [Mobile no. [protected]] and to avoid tension and to get clarity I have called Mr. P.K. Malhothra and he is introduced himself as a Government appointed RBI Lawyer and warned me and threatened me and applied pressure on me to deposit Rs.30,000 in the ICICI bank account within 10 minutes and afterwords reduced the amount to Rs.10,000 and Rs.5,000. I was asking for his identity proof, connection with Barclays Bank, Details of case etc. He was not willing to give any details including bank account details, etc. Simply pressure me to rush to nearest ICICI Bank from there to call him and give the phone to any employee of ICICI Bank so that he will give the account number. I made my cousin & advocate to talk to him and Mr. Rana but their behaviour was not changed and the answer was just trust and deposit the amount otherwise Delhi police will come to Hyderabad and arrest me and present me in Delhi High Court.
Since from yesterday I have faced heavy tension and pressure & resulted to sick [unbreathiness, abnormal increase of sugar & blood pressure levels] & I have forced to approach the cardiologist & he has called me tomorrow for complete check up and for tests.
All these days, I was very sincere and honest and my goodness as misused by Barclays bank & taken me for a ride. Now I want to fight back and take up matter very seriously and I have registered complaint with customer care of barclays vide complaint no. 5370606 dt.[protected] & I have sent 3 mails to all the authorities of Barclays and Ombudsman of RBI, and I made complaint to Indian Consumer Complaint Forum and will continue to fight out by approaching as much as organizations & individuals for justice including media, human right commisions, any organization who are into consumer protection & legal aid organizations. If required I will make a complaint & take criminal action on Barclays as per the Law of this Land. Please support me in this fight of justice.
Desired Outcome of the Complaint:
The Barclays Bank has to provide me no due certificate immediately without any condition and withdraw cases if any filed by them anywhere in the Country and should take action on the callers made calls to me from Delhi and also have to take action on the executives involved in the settlement of my loan account[protected] and have to take action and their DSA Athithya Associates and have to give apology letter to me along with compensation for the harassment since last several months.