LICHFL, Thanjavur — pdc received but not presented in the bank,sending letter of non payment threatening legal action for the irregularities at their end

Address:

Agra, Uttar Pradesh

regdg. a/c no. 5502546 in the name of mr siddharth misra.----pdcs deposited long back but not presented . cheques from aug.2011 to march 2012 has been deposited in the dholpur house branch office of lichfl long back. on checking my a/c statement of hdfc branch i noticed that emi cheque for the month aug. 2011 has not been cleared from a/c. i approached the person concerned mr .rakesh sharma who narrated a very funny story that their system is not accepting the cvheque because it is bearing adate[protected] which is 5 days prior to the due date i.e[protected]. on my further persuance to mr.raksh sharma , i noticed from bank statement that the next cheque i.e emi for the month of sept.2011 has been presented &of course cleared from my a/c. in between there had been no attempt from lichfl as to what has happened to the cheque for the month of august 2011. To my great astonishment yester day i recievrd a courier from lichfl that we are the defaulters for not paying 2 months emis i.e an amount of rs.13707/= being the amount of two instalments along with all their addl. intrests and recovery charges. this is really highheadedness on the part of the officials working with lichfl that they want to punish the customers for the mistakes committed by them in their office . so much so that they have threatentened a legal action against me if the dues are not paid within 15 days of the receipt of this irrelavnt, irresponsible,irresistable & threatening letter. with this letter i want the department to withdraw this letter & apologise for the language used to a customer who had always paid the emis on time, rather make efforts to awake the officers of this department to see why the pdc has not been presented for clearnce. if a suitable reply to my letter is not received within 10 days of the receipt of my letter i shall be restrained to initiate LEGAL ACTION AGAINST LICHFL FOR DEFAMATION . SIDDHARTH MISRA.