[Resolved]  Government of India — Discrimination against existing bank customers

BRIGHT SINGH.S
BRIGHT CONSULTANT

Telephone: 4365477 Mobile: [protected] Email : [protected]@yahoo.co.in
TIN [protected] CST: 155902
PAN AIVPB4735A SSI No.[protected]E
ST.RC AIVPB4735AST001 Builder License: D103-MC

23 rd Oct. 2008
Regd. with A.D.
Customer Service Section,
Canara Bank, Circle Office, Madurai.

Sir,

Sub:


Business Loan & Cash Credit Facility requested – Discourtesy & Refusal by The Manager, Canara Bank, S.M.E. Branch, Palanganatham, Madurai – 625 003 - Requesting redress for the grievance – Reg.
Ref: Current A/c. No.[protected]
---
I am a Civil Engineer, Approved Builder & Surveyor. I am doing construction works for all the leading Oil Companies like Bharath Petroleum Corporation, Indian Oil Corporation, Hindustan Petroleum Corporation and for many other corporate entities. Also I have been registered under TNVAT, Service Tax, Sales Tax and SSI. I am an income tax assessee paying income tax regularly, having an annual turnover of about Rs.45, 00, 000/- per year.
I am having the above current account for the past ten months. While opening my Current Account in the said S.M.E. Branch, Palanganatham, Madurai – 625 003, the staff and the officials of the branch more convinced me that the branch is specially meant for business promotion and shall encourage entrepreneurs like me. On satisfaction, I too have been my banking with the said branch.
In the meanwhile, by my representation dated 2nd June 2008, I approached the manager of the said branch for sanctioning of Business Loan and Cash Credit Facility for me. On satisfaction of my business and the banking transaction, the officials of the branch asked me to produce my I.T. Papers, Projected Accounts etc. After furnishing the same, further I was asked to mortgage a property as a collateral security and to obtain Legal Opinion from Sri. M. Ramanathan, the Panel Advocate for the Bank. Accordingly I submitted necessary documents for the perusal of the said panel advocate and got a positive legal opinion from him.
From 4th September 2008 onwards, daily I had been approaching the Manager of the said branch, along with the said Legal Opinion and other papers. I was asked to approach and convince each and every single staff of the branch. Even after completing the same I was once again directed to every pillar to post. Finally, on 14th Oct. 2008, I approached the manager of the said branch with all my credentials, I.T. Papers, Property Documents along with the said Legal Opinion.
To my shock and surprise, refusing to go into the file, all my papers were thrown out of the table. In an impolite tone, I was told that the bank was not meant for petty builders like me. Even after the scandal verbal attack on me, I tried to convince and put forth my case. Despite, nearly I was sent up forcibly with an advice not to dare again.
I hope like every branch, the branch in question would have given various business loans and Cash Credit Facility for a number of its customers. Like others I am also a customer doing genuine business, having remarkable turnover; having regular banking and ready to give valid and valuable property for collateral security. In such a circumstance, I don’t know, why I was humiliated and for what reason my request was refused even without taking for consideration.
I submit that, I am not at all a person to write such letter like this. At my level, I am entrepreneur, doing genuine business for considerable period of time, having remarkable turnover, profit and having property for collateral security.
Kindly go into the matter, enquire into the same and do the needful.
Hope that I shall be redressed at the earliest.
Thank you,
Sincerely,

BRIGHT SINGH.S


1 The Manager
Canara Bank, S.M.E. Branch,
Palanganatham, Madurai – 625 003.

Sir

On 20th January 2015, i have received a call from M/s Vacations Gateway (C-56/5, mantec building, 1st floor, Sector - 62, g.b. nagar Noida U.P.201301, Phone: +[protected], +[protected], E-Mail :
[protected]@vacationsgateway.com.co ) the contact person was Mr. Anil Sagir. He informed me that I am one of their selected memebers who won the assured gift from their company. As i am booking tickets regularly from irctc they have selected me. He also told me that they were one of the approved payment gateway company of Indian Railway. He asked me to pay Rs. 7799 and collect their assured gift of Sony Xperia Tab Z2 which will come around Rs. 35000 in the open market. They also convinced me telling other stories that they are ISO certified company and once the payment is received, their courier agent will contact you and send me the assure gift and given some of the names from kerala who has also won these assured gifts.

After getting the payment from me they have not contacted for 2 days but i regularly contacted them but they are not taking the phone and after 2 days a confirmation call received. I have not agreed their confirmation call as they informed that this is not an assured gift and this is only referral gift. Now we are getting only gift voucher and sony xperia tab.

After collecting the money they have given me a bill too but in the bill it is written that this is a gift voucher which i have not accepted.

On[protected], i have received a courier from their side which is only an application.

Kindly do necessary step to reimburse the money.

Regards
Balachandran
[protected]