[Resolved]  State Bank of India — Harassment,extortion,abusive recovery without supplying bills

Address:

Punjab

From:
Name: Ajesh Kumar Tandon

Address: 1427 Urban Estate Phase-II Jalandhar City-144022 Punjab


Date: 30-Nov-2010 By speed post & email

1 Managing Directors
Shri K. Ashok Kini
Shri T. S. Bhattacharya
State Bank of India, State Bank Bhawan, 4th floor, Madame Cama Road, Mumbai-400 021,
E-mail: helpline.[protected]@sbi.co.in

2. Gautam Bose
Chief Operating Officer/Managing Director
SBI Cards & Payment Services Private Limited
Registered Address:
State Bank of India,Local Head Office 11 Parliament Street, New Delhi 110001
From BSNL/ MTNL Lines –[protected]
From all other phones – 39 02 02 02
feedback.[protected]@ge.com
3. General Manager
State Bank of India,
Local Head Office,
Sector-17-B,
Chandigarh-160 017.
E-mail:
helpline.[protected]@sbi.co.in
Toll free No.[protected]/[protected]
Helpline Tel no.[protected] / 2707390
Fax no.[protected]/2720234
4. Deputy General Manager (Customer Service), at the Corporate Centre at Customer Service Dept., State Bank of India, State Bank Bhawan, 4th floor, Madame Cama Road, Mumbai-400 021,
Telephone No.[protected] ,[protected], 22740431,22740433
Fax no.[protected].
e-mail address - dgm.[protected]@sbi.co.in.
5. Shri Om Prakash Bhatt
Chairman
State Bank of India
State Bank of India, State Bank Bhawan, 4th floor, Madame Cama Road, Mumbai-400 021,

[protected]

[protected]@sbi.co.in

6. Shri R. Sridharan
Managing Director &
Group Executive
(Associates & Subsidiaries)
State Bank of India, State Bank Bhawan, 4th floor, Madame Cama Road, Mumbai-400 021,
[protected]
mdge.[protected]@sbi.co.in
7.
Vikrant Narang (previously Area Sales Manager at SBI Cards S.C.O 72-73 Sector 8C ,Chandigarh Chandigarh phone number[protected], +91 [protected] and Incharge of Jalandhar and told by State bank of India Jalandhar as officer in charge and responsible for addressing and resolving complaint and delivering justice at local level and now promoted for his meritorious services and sent to Secunderabad . Vikrant Nagpal was boss of Ajay Markan and also guide of Kamal Kishore Abbey)

103,105 ,1st Floor, Ashoka Bhopal Chambers ,Opposite Anand Theatre ,S.P.Road
Begum Pet, Secunderabad-500003 Phone[protected]
Vikrant.[protected]@ge.com
8. Choudhary
Current Area Sales Manager
SBI Cards Chandigarh who has replaced Vikrant Narang and current boss of Ajay Markan and also guide of Kamal Kishore Abbey)
[protected]

9. Kamal Kishore Abbey
Assistant Manager and In charge for Sale and Service of Credit Cards
State Bank of India Main Branch Civil Lines Jalandhar City-144001 Punjab
Phone Number ; +91 [protected],[protected]

10. Roor Chand
Reporting Authority and Senior Officer of K.K. Abbey
State Bank of India Main Branch Civil Lines Jalandhar City-144001 Punjab
11.Promila Sharma
Chief Manager
State Bank of India Main Branch Civil Lines Jalandhar City-144001 Punjab


12.Ajay Markan
(Code 193376 Previously Branch Relationship Executive SBI Cards who was in charge for Sale and Service of Credit Cards and was assigned a whole time chair and counter besides the official seat of Kamal Kishore Abbey at
State Bank of India Main Branch Civil Lines Jalandhar City-144001 Punjab and now promoted for his meritorious services and sent to Chandigarh, and who willfully and deliberately along with Kamal Kishore Abbey kept waiting in State Bank of India Main Branch Civil Lines Jalandhar City although Kamal Kishore Abbey had stated an appointment for me has been fixed with him during his special visit from Chandigarh




Sir,

Subject: Harassment due to Abusive Recovery Practices,

Your bank/company had allured me and issued your State Bank of India's (SBI Card's) credit card. Presently credit card Number is [protected]. I have been meticulously and regularly asking your bank/company to submit your bills in original and paying amount of credit card upon receipt of bills.

2. I and nearly half a dozen officers of your bank have exchanged frequent telephonic talks, SMS's and emails letters, and representations in person, in connection with payment of your undue claims, my unresolved complaints and grievances.

3. I have been paying, however, I have declined to pay back amount charged to my account which is not relating to my actual use and charges, penalties, taxes etc levied for no fault on my part.

4. Since your frequent SMS's, emails, abusive and insulting telephone calls are causing me undue harassment, mental and emotional tension, inconvenience, expenses, agony, waste of my costly time and discomfort in addition to defamation, I have decided to initiate legal action under Banking Ombudsman Scheme 2006 or The Consumer Protection Act 1986, in addition to filing FIR's against the defaulting staff and recovery agents of the bank.

5. I add that Bank is indulging in unfair trade practice, illegal means and extortive approach. It has grossly violated and continues to breach:

A] Code of Bank’s Commitment to Customers of BCSBI

B] Fair practice code and collection policy mandated by RBI

C] Under mentioned master circulars of RBI on Credit Cards:

a. RBI/[protected]/32
DBOD.FSD.BC.17 / 24.01.011/ 2007-08 dated[protected]

b. RBI/2008-09/39
DBOD.FSD.BC.6/ 24.01.011/ 2008-09 dated[protected]


D] Judgments and directives of hon’ble SUPREME COURT OF INDIA in following cases:

a. Criminal Appeal arising out of SLP (Crl.) No. 4935 of 2006
ICICI Bank versus Shanti Devi Sharma & Others.

b. 2007 (2) MLJ 854 (SC) Manager, ICICI Bank Ltd versus Prakash Kaur & Others dated[protected]

E] Various provisions of The Consumer Protection Act 1986

F] Provisions of IPC and Cr PC

6. Before I initiate action against the bank, its staff and recovery agents, I finally call upon you to:

A] Stop calling me on phone or mobile or in person by your staff or recovery agents. You should now communicate to me by written letters duly signed and under the original seal of your bank/company and mentioning the name with sirname department designation, office address with pin code, office phone number with STD code, official mobile phone number and email of the competent person who signs the letter, only at my above address followed by emails. Letters be sent by registered or speed post only.

B] Provide me by speed post and also email within 15 days of receipt of this notice following details of outstanding dues if any:

a. date of debit

b. full and exhaustive details of claim with justification.

c. amount of claim.

d. supporting proof to substantiate each claim.

e. Pending bills in original which have not been supplied till date by you despite unlimited number of reminders by telephonic calls, letters, and representations in person.

7. In case if I do not receive details as above within time limit stated hereinabove, I shall presume that the Bank has no claims outstanding against me in their records. Please do not use abbreviations which a common man cannot understand. As per my understanding from incomplete records of your bills I have nothing to pay to the bank towards use of your card.

8. I reiterate that, I believe in fair dealings which and I have done my level best by giving unlimited number of representations to your bank/ company and I am prepared to pay to your bank/company the actual amounts spent by me and excluding the amounts which is not relating to my actual use and charges, penalties, taxes etc levied for no fault on my part.

As already communicated to employees of your bank/company, I am not interested in settlement of any amount or pay less than what is due from me.
As prescribed by Reserve Bank of India, you have to supply the credit report by charging up to a maximum amount of Rs.50.00 (Rupees Fifty only), accordingly enclosed herewith is the cheque number 041991 dated 30-Nov-2010 drawn on Union bank of India Jalandhar for Rs.50.00 (Rupees Fifty only) towards supply of my credit report, if any, filed by your company in credit rating agency e.g. CIBIL, by registered or speed post only, so as to reach me within seven days from the date of submission of this communication in your local office at my location. You shall also confirm in writing that your company's fee structure is Rs.50.00 (Rupees Fifty only) or less than Rs.50.00 (Rupees Fifty only) for the supply of credit report.
If you have submitted my credit report, to any other credit rating agency, other than CIBIL also, you shall confirm it in writing by letter under the original seal and signature of the competent employee of your company as explained above and you shall ask for the fee mentioning the amount of fee and the same shall be deposited by me on hearing from you at your local centre at Jalandhar for the supply of the certified and original copy of such credit report by you by registered or speed post only.



Ajesh Kumar Tandon


Enclosed: As mentioned above; cheque number 041991 dated 30-Nov-2010 drawn on Union bank of India Jalandhar for Rs.50.00 (Rupees Fifty only)