[Resolved]  Kotak Mahindra Bank — PERSONAL LOAN RE-PAYMENT

03/05/09
Dear Sir / Madam,

I am a customer of Kotak Mahindra Bank having a Personal Loan with you (Agreement No. SPL - 218764 DATED 24/01/08). My EMI amount was set as Rs. 7642/-. I made the EMI payment upto Jan, 2009. But then suddenly there was a big loss in my business & I could not arrange the said EMI amount regularly. That's why I visited one of their office in the month of February, 2009 at Apejay House, 15-Park St, Kolkata & requested for re-scheduling my PL for reducing the EMI amount so that I can regularise my PL account. But, none of them kept my request & forced me to pay my EMI of Feb, 09 immediately. But financial condition was too poor to arrange the money. So, I requested a no. of times by verbally or via phone to different officials of your Bank & with their Collection Agents & Collection Officer also. But none of them co-operated with me. Instead of that they tried to convince me that if I can't pay the entire due EMI amount they can't give attention to my request. I am giving name & phone nos of those peoples whom I requested a no. of times. they are 1) DEBDUTTA MUKHERJEE (Bank Staff), Ph-[protected], 2) Collection Manager (Ph - [protected]), 3) collection Agent Ajay (Ph[protected], 4) Arindam Dey (Bank Staaff/Collection Agent) Ph-[protected], Madam at Jaldi Loan Sections (Apejay House) Ph-[protected].

In between in the month of April, 09 a Collection Agent came to me & he assured me that he will arrange the Re-Schedulement if I pay at least one EMI amount. So, I arranged the money & paid to him in 3 parts. But strangely enough the day I paid the entire amount (27/04/09) a Case was made against me in 138 N. I. Act at Metropolitan Magistrate Kolkata & a Summons was sent to me which I received yesterday (2nd May, 2009). Now, it is clear that that bank wants to hurrash a good customer instead of helping him. I never said that I will not re-pay the loan amount. If I had that type of intention then I may have gone to any Advocate like so many customers who are really fraud & cheater & avoiding the re-payment in different ways. Instead of that I have requested for re-scheduling only which may have sanctioned by the Bank Officials. But I think according to Bank "EVERY DEFAULTER CUSTOMER IS CHEATER" & they never think that a customer may have certainly some financial problems.

Whatever has happened is really very Embarrassing to me. But still I prayed to them to withdraw the case (Case No. C/17260/09) & please Re-Schedule my PL for reducing the EMI amount (Currently I can afford upto Rs.[protected]/- per month) so that I can regularise my EMI payment.

Regarding this issue, I want to inform you that I am in Customer Service also (Eureka Forbes Ltd) & everyday I solve at least 25 to 30 customer's problem. Sometimes we do something for solving customer's problem which is beyond our Company's rules because we know that "WE ARE PAID BY THE CUSTOMERS BUT NOT BY THE COMPANY". And this is our MD's opinion also. I don't expect this type of service from the Bank side but still I prayed to the Bank to consider my case beyond their company's rule so that a good customer can re-pay his loan & wipe out his liabilities.

Thanking You,
SANTANU BANERJEE
(2/P, RAJA PEARY MOHAN ROAD,
UTTARPARA, HOOGHLY,
MOBILE : [protected])