[Resolved] Standard Chartered Bank — Cheating on Lock in period | |||
I Ms Darshana Asodekar, have a Home Loan with Standard Chartered bank (account no.[protected]. My loan amount of Rs.1840000 was disbursed in the month of April 2013 and till date, I have paid 5 EMIs of Rs.17, 745 each. When I opted for this loan, during the procedure I had asked about the lock in period if any it to a Standard Chartered employee from the Jogeshwari East Branch in Mumbai. From this branch, I was told that I can opt for foreclosue any time I wish. Also, there is no such document received from Standard Chartered bank saying that I can't repay the amount before 6 months. Last month I fought for this and they had issued me the preclosure letter. Due to the buyer's loan procedure unfortunately the letter expired on 5th September 2013. From 18th of September I am behind the bank to reissue me the preclosure letter with the updated amount to be paid. Now again they are saying that you can opt for preclosure before completion of 6 months. Once they have issued me the preclosure letter and now they are not issuing. They are purposely delaying it so that i will be forced to pay the next EMI. I am very much disappointed by their this behavior. The branch says something different, phone banking conveys something else & customer care on email writes different. Please help me... I would not be in a condition to pay the loan EMI. Was this information helpful? | |||
Aug 14, 2020 Complaint marked as Resolved Standard Chartered Bank customer support has been notified about the posted complaint. | |||
 2 Comments | |||
Comments
Can any action be taken against Standard Chartered bank for this cheating?
Reply
Below is the complete email conversation held with Standard Chartered Bank customer care:
Still there is no reply from this Pathetic Bank!!! Can I expect the preclosure letter today at least!!!
From: Darshana Asodekar <[protected]@yahoo.co.in>
To: customer.care <Customer.[protected]@sc.com>
Cc: Darshana <[protected]@gmail.com>
Sent: Monday, 30 September 2013 6:30 PM
Subject: Re: At Your Service Your Right Partner Standard Chartered Bank (KMM15428785V65658L0KM)
Just now I had received the call from the buyer who has purchased my flat. He is very irate and he is not at all ready to wait for any more time for the original flat documents.
He is saying that his EMIs have started, he is losing money in his EMIs and he says that I have paid you people the full amount from last 10 days and then too I am not getting the deal completed from your side (our side). He is also saying that you people have not shown me any kind of acknowledgement or any proof proving that I have cleared my home loan. He now doubts that instead o[censored]sing the money what he has given to close the loan, I am using it somewhere else. In short, he feels that we are cheating him. If this goes the same way then he will cancel the deal and he will also launch a complaint against me in Police Station.
So now you people tell me, what I am supposed to do. I have the money ready and still you people are not accepting it. Now when I am telling him that again Standard Chartered is not reissuing me the preclosure letter, he is saying you people are fooling me. He says how it can happen that once the bank has given you the preclosure letter and they are not giving it again. And further whatever he says that, that is your problem and I want the documents & want it to be closed.
And as discussed earlier, as we were misguided (given the wrong information), that there is no lock in period of 6 months or so and that is not even documented on any of the Standard Chartered documents we have received. Again I request that this everything was discussed and closed earlier, and then too now just to get the letter revalidated, you people are harassing me.
This is a very bad way Standard Chartered is treating me as a customer. As, I myself have lot of issues going on, I am facing financial crisis & I am very much worried for that, but you people are unnecessarily holding me back in this Loan.
I have already shown the previous preclosure letter in Andheri Brach & if you want I can even send the same.
I hope you people will get some way out for me quickly
Darshana
From: Darshana Asodekar <[protected]@yahoo.co.in>
To: customer.care <Customer.[protected]@sc.com>
Cc: Darshana <[protected]@gmail.com>
Sent: Monday, 30 September 2013 1:47 PM
Subject: Re: At Your Service Your Right Partner Standard Chartered Bank (KMM15428785V65658L0KM)
I am still waiting for the preclosure letter! If i don't pay the amount today, I will have to wait for the EMI to go which I cannot afford..
Hoping for assistance!
Regards,
Darshana
From: customer.care <Customer.[protected]@sc.com>
To: Darshana Asodekar <[protected]@yahoo.co.in>
Sent: Saturday, 28 September 2013 7:21 PM
Subject: At Your Service Your Right Partner Standard Chartered Bank (KMM15428785V65658L0KM)
Ref : 09/13/139462/SP/AST
Dear Customer,
This is with reference to your e-mail dated September 28, 2013 .
We are interested in resolving your query to your satisfaction.We have initiated a detailed investigation and will revert to you on completion of the same. We request you to bear with us in the interim and thank you for your patience.
Assuring you of our best services always,
Yours sincerely,
On behalf of Standard Chartered Bank
Aravindh S
Officer - Customer Care
We would like to know whether you are satisfied with this e-mail interaction.
Please click on the following link to provide your feedback.
https://forms.online.standardchartered.com/public_website/india/e-survey/
Please do not disclose your PIN/One Time Password (OTP) to anyone. Standard Chartered Bank will never call or send SMS/emails asking for such details. If you receive an OTP without request, please intimate the bank immediately. Login to Online Banking through our secured website
For more details on our complaint management policy and Banking Ombudsman Scheme, 2006, please visit to http://www.standardchartered.co.in/personal/tools-utilities/en/complaints.html
Standard Chartered Bank is committed to making your banking with us a pleasant experience and values your feedback:
Visit Us : www.standardchartered.co.in Write to Us : customer.[protected]@sc.com
You can write to us at Standard Chartered Bank, Customer Care Unit, 19, Rajaji Salai, Chennai – 600 001 or reach our Phone Banking executives at http://www.standardchartered.co.in/personal/ways-to-bank/en/phone-banking12.html
"As per RBI guidelines, effective April 1, 2012; the validity period of Cheques, Demand Drafts, Pay Orders and Banker's Cheques for payment will be reduced from 6 months to 3 months from the date of issue of the instrument."
Original Message Follows:[protected]----
Again you people have started harassing me!
I don't understand what the problem in re issuing the letter is. Earlier also, I had to fight for this. I had mentioned earlier also that due to my medical conditions I am unable to continue my job & would not be in a condition to pay the installment amount.
You people already had issued me a preclosure letter and now you just have to reissue the same. Also, the preclosure letter dated 21st August, which was given to me is not updated with my account. Hence the phone banking or the branch people are also not able to address it. If you want, I can attach a scanned copy of the preclosure letter issued to me which has expired on 5th September 2013.
I cannot wait till 9th of October. In fact I want a preclosure letter by Monday ie. 30th September 2013. The day I get the preclosure letter, that same day I will pay the amount to Standard Chartered..
This is the worst service I have seen. I am very much upset by Standard Chartered Bank's way of working. There is too much of ambiguity in your phone banking, branches & customer care!
I seriously regret taking a loan from Standard Chartered Bank!
Regards,
Darshana
From: customer.care <Customer.[protected]@sc.com>
To: Darshana Asodekar <[protected]@yahoo.co.in>
Sent: Saturday, 28 September 2013 2:05 PM
Subject: At Your Service Your Right Partner Standard Chartered (KMM15417657V80322L0KM)
Ref : 09/13/133184/SP/AST
Dear Mr. Asodekar,
This is with reference to your e-mail dated September 27, 2013 regarding the loan account ending with 4612.
We have received your request for Pre termination Quote. We have taken note of your request vide reference number[protected].
With regard to your request that one of our officers will contact you on or before October 09, 2013, we request you to bear with us in the interim.
You can also contact our Phone Banking Officers to know the status of your request by referring the above mentioned reference number.
Assuring you of our best services always,
Yours sincerely,
On behalf of Standard Chartered Bank
Bhagyalakshmi D
Officer - Customer Care
We would like to know whether you are satisfied with this e-mail interaction.
Please click on the following link to provide your feedback.
https://forms.online.standardchartered.com/public_website/india/e-survey/
Please do not disclose your PIN/One Time Password (OTP) to anyone. Standard Chartered Bank will never call or send SMS/emails asking for such details. If you receive an OTP without request, please intimate the bank immediately. Login to Online Banking through our secured website
For more details on our complaint management policy and Banking Ombudsman Scheme, 2006, please visit to http://www.standardchartered.co.in /personal/tools-utilities/en/complaints.html Standard Chartered Bank is committed to making your banking with us a pleasant experience and values your feedback:
Visit Us : www.standardchartered.co.in Write to Us : customer.[protected]@sc.com
You can write to us at Standard Chartered Bank, Customer Care Unit, 19, Rajaji Salai, Chennai – 600 001 or reach our Phone Banking executives at http://www.standardchartered.co.in/personal/ways-to-bank/en/phone-banking12.html "As per RBI guidelines, effective April 1, 2012; the validity period of Cheques, Demand Drafts, Pay Orders and Banker's Cheques for payment will be reduced from 6 months to 3 months from the date of issue of the instrument."
Original Message Follows:[protected]----
Hi Rani
Please don't start this mess again!!! For that, I have already mentioned in my mail below that please check the trail mail below.
I had already received the preclosure letter on 21st August! This letter has expired & so I want you people to reissue the same.
Hopefully, again you people will not make me feel that I have done a big mistake taking a home loan from Standard Chartered Bank!!!
Regards,
Darshana
From: customer.care <Customer.[protected]@sc.com>
To: Darshana Asodekar <[protected]@yahoo.co.in>
Sent: Friday, 27 September 2013 2:39 PM
Subject: At Your Service Your Right Partner Standard Chartered Bank (KMM15405746V659L0KM)
Ref : 09/13/128025/SP/AST
Dear Mr. Asodekar,
This is with reference to your e-mail dated September 26, 2013 regarding your loan account ending with 4612.
We inform you that as per process preclosure of your loan can be done only after a period of 6 months from the date of booking of the loan. Hence, we request you to revert post completion of 6 months for enabling us to process your request with regard to preclosure .
Assuring you of our best services always,
Yours sincerely,
On behalf of Standard Chartered Bank
Rani B
Officer - Customer Care
We would like to know whether you are satisfied with this e-mail interaction.
Please click on the following link to provide your feedback.
https://forms.online.standardchartered.com/public_website/india/e-survey/
Please do not disclose your PIN/One Time Password (OTP) to anyone. Standard Chartered Bank will never call or send SMS/emails asking for such details. If you receive an OTP without request, please intimate the bank immediately. Login to Online Banking through our secured website
For more details on our complaint management policy and Banking Ombudsman Scheme, 2006, please visit to http://www.standardchartered.co.in/personal/tools-utilities/en/complaints.html Standard Chartered Bank is committed to making your banking with us a pleasant experience and values your feedback:
Visit Us : www.standardchartered.co.in Write to Us : customer.[protected]@sc.com
You can write to us at Standard Chartered Bank, Customer Care Unit, 19, Rajaji Salai, Chennai – 600 001 or reach our Phone Banking executives at http://www.standardchartered.co.in/personal/ways-to-bank/en/phone-banking12.html "As per RBI guidelines, effective April 1, 2012; the validity period of Cheques, Demand Drafts, Pay Orders and Banker's Cheques for payment will be reduced from 6 months to 3 months from the date of issue of the instrument."
Original Message Follows:[protected]----
Dear Manju,
Please find the below trail mail regarding the preclosure letter (Reference number [protected]).
With the help of the preclosure letter issued to me, I could proceed with the resell of my flat. But the party who is buying my flat had applied for a loan. In this process, my date of preclosure expired and hence now request you to reissue the preclosure letter.
I called the phone banking number for reissuing me the preclosure letter. They asked me to contact the nearest branch. So I visited, Andheri west branch on 23rd September 2013 & requested them to put a request of preclosure letter. But there is no feedback...
I am still waiting for the preclosure letter!!!
Loan account number:49024612
Regards,
Darshana
From: Darshana Asodekar <[protected]@yahoo.co.in>
To: customer.care <Customer.[protected]@sc.com>
Sent: Thursday, 22 August 2013 9:55 AM
Subject: Re: At Your Service Your Right Partner Standard Chartered Bank (KMM14961385V15618L0KM)
Dear Manju,
I have collected the preclosure letter from the Andheri branch yesterday. Thanks for your support and co-operation...
Regards,
Darshana
From: customer.care <Customer.[protected]@sc.com>
To: Darshana Asodekar <[protected]@yahoo.co.in>
Sent: Wednesday, 21 August 2013 6:30 PM
Subject: At Your Service Your Right Partner Standard Chartered Bank (KMM14961385V15618L0KM)
August 21, 2013
Ref : 08/13/082152/SP/AST
Dear Ms. Asodekar,
This is with reference to your e-mail dated August 19, 2013.
Please accept our sincerest apologies for the inconvenience you have experienced. We have logged a complaint vide reference number [protected]. We request you to quote this in your future communication with us on this subject. We assure you that our dedicated Complaint Resolution team will contact you with the solution vide a call/ SMS alert/ E-mail in the next 7 working days.
Assuring you of our best services always,
Yours sincerely,
On behalf of Standard Chartered Bank
Manju B
Officer - Customer Care
We would like to know whether you are satisfied with this e-mail interaction.
Please click on the following link to provide your feedback.
https://forms.online.standardchartered.com/public_website/india/e-survey/
Please do not disclose your PIN/One Time Password (OTP) to anyone. Standard Chartered Bank will never call or send SMS/emails asking for such details. If you receive an OTP without request, please intimate the bank immediately. Login to Online Banking through our secured website
For more details on our complaint management policy and Banking Ombudsman Scheme, 2006, please visit to http://www.standardchartered.co.in/personal/tools-utilities/en/complaints.html Standard Chartered Bank is committed to making your banking with us a pleasant experience and values your feedback:
Visit Us : www.standardchartered.co.in Write to Us : customer.[protected]@sc.com
You can write to us at Standard Chartered Bank, Customer Care Unit, 19, Rajaji Salai, Chennai – 600 001 or reach our Phone Banking executives at http://www.standardchartered.co.in/personal/ways-to-bank/en/phone-banking12.html "As per RBI guidelines, effective April 1, 2012; the validity period of Cheques, Demand Drafts, Pay Orders and Banker's Cheques for payment will be reduced from 6 months to 3 months from the date of issue of the instrument."
Original Message Follows:[protected]----
This is not the solution!!!
If a person is not able to pay his future EMIs and for that purpose if he wishes to sell the flat and close the account, you (Standard Chartered) can take some preclosure charges, but must help the customer in settling it...
But instead of supporting or helping the customer, STANDARD CHARTERED is harassing a customer like me!
Recently, my husband visited STANDARD CHARTERED's Andheri Branch, where a home loan account officer said that there are no preclosure charges for closing the account before 6 months and also there is no such locking period...
Before taking this loan, the executive in Jogeshwari (Manoj Kasare) also said that there is no such locking period & no preclosure charges.
If they would have informed me first, I would not have taken this home loan from STANDARD CHARTERED bank.
Any which ways, I am not at all happy with this service now and do not wish to have any future service from STANDARD CHARTERED.
DARSHANA ASODEKAR
Loan Account No.[protected]
Contact No. - [protected]
From: customer.care <Customer.[protected]@sc.com>
To: Darshana Asodekar <[protected]@yahoo.co.in>
Sent: Monday, 19 August 2013 3:21 PM
Subject: At Your Service Your Right Partner Standard Chartered Bank (KMM14822125V62878L0KM)
Ref : 08/13/021180/SP/AST
Dear Customer,
This is with reference to your e-mail dated August 05, 2013 regarding your loan account ending with 4612.
We are concerned to note the deep sense of dissatisfaction expressed in your email. It is all the more disconcerting to note that, your recent interactions with our Bank did not evoke a satisfactory response. Whilst we make every effort to provide our customers the best in service, it is indeed disturbing to come across instances that are not in line with our service standards. We sincerely regret the inconvenience caused to you in this regard and thank you for bringing this matter to our attention.
We have received your request for List of Documents. We have taken note of your request vide reference number[protected]. Please allow us to sometime to process your request and it will be processed latest by August 21, 2013. We request you to bear with us in the interim.
Regarding pre closure, we wish to inform you that as per process preclosure of your loan can be done only after a period of 06 months from the date of booking of the loan. Hence, we request you to revert post completion of 06 months for enabling us to process your request with regard to preclosure. Further, we request you to share the copy of any documents in this regard for us to check and assist you accordingly.
We request you to write to us for any further assistance towards your loan account.
Assuring you of our best services always,
Yours sincerely,
On behalf of Standard Chartered Bank
Geetha S
Officer - Customer Care
Still there is no reply from this Pathetic Bank!!! Can I expect the preclosure letter today at least!!!
From: Darshana Asodekar <[protected]@yahoo.co.in>
To: customer.care <Customer.[protected]@sc.com>
Cc: Darshana <[protected]@gmail.com>
Sent: Monday, 30 September 2013 6:30 PM
Subject: Re: At Your Service Your Right Partner Standard Chartered Bank (KMM15428785V65658L0KM)
Just now I had received the call from the buyer who has purchased my flat. He is very irate and he is not at all ready to wait for any more time for the original flat documents.
He is saying that his EMIs have started, he is losing money in his EMIs and he says that I have paid you people the full amount from last 10 days and then too I am not getting the deal completed from your side (our side). He is also saying that you people have not shown me any kind of acknowledgement or any proof proving that I have cleared my home loan. He now doubts that instead o[censored]sing the money what he has given to close the loan, I am using it somewhere else. In short, he feels that we are cheating him. If this goes the same way then he will cancel the deal and he will also launch a complaint against me in Police Station.
So now you people tell me, what I am supposed to do. I have the money ready and still you people are not accepting it. Now when I am telling him that again Standard Chartered is not reissuing me the preclosure letter, he is saying you people are fooling me. He says how it can happen that once the bank has given you the preclosure letter and they are not giving it again. And further whatever he says that, that is your problem and I want the documents & want it to be closed.
And as discussed earlier, as we were misguided (given the wrong information), that there is no lock in period of 6 months or so and that is not even documented on any of the Standard Chartered documents we have received. Again I request that this everything was discussed and closed earlier, and then too now just to get the letter revalidated, you people are harassing me.
This is a very bad way Standard Chartered is treating me as a customer. As, I myself have lot of issues going on, I am facing financial crisis & I am very much worried for that, but you people are unnecessarily holding me back in this Loan.
I have already shown the previous preclosure letter in Andheri Brach & if you want I can even send the same.
I hope you people will get some way out for me quickly
Darshana
From: Darshana Asodekar <[protected]@yahoo.co.in>
To: customer.care <Customer.[protected]@sc.com>
Cc: Darshana <[protected]@gmail.com>
Sent: Monday, 30 September 2013 1:47 PM
Subject: Re: At Your Service Your Right Partner Standard Chartered Bank (KMM15428785V65658L0KM)
I am still waiting for the preclosure letter! If i don't pay the amount today, I will have to wait for the EMI to go which I cannot afford..
Hoping for assistance!
Regards,
Darshana
From: customer.care <Customer.[protected]@sc.com>
To: Darshana Asodekar <[protected]@yahoo.co.in>
Sent: Saturday, 28 September 2013 7:21 PM
Subject: At Your Service Your Right Partner Standard Chartered Bank (KMM15428785V65658L0KM)
Ref : 09/13/139462/SP/AST
Dear Customer,
This is with reference to your e-mail dated September 28, 2013 .
We are interested in resolving your query to your satisfaction.We have initiated a detailed investigation and will revert to you on completion of the same. We request you to bear with us in the interim and thank you for your patience.
Assuring you of our best services always,
Yours sincerely,
On behalf of Standard Chartered Bank
Aravindh S
Officer - Customer Care
We would like to know whether you are satisfied with this e-mail interaction.
Please click on the following link to provide your feedback.
https://forms.online.standardchartered.com/public_website/india/e-survey/
Please do not disclose your PIN/One Time Password (OTP) to anyone. Standard Chartered Bank will never call or send SMS/emails asking for such details. If you receive an OTP without request, please intimate the bank immediately. Login to Online Banking through our secured website
For more details on our complaint management policy and Banking Ombudsman Scheme, 2006, please visit to http://www.standardchartered.co.in/personal/tools-utilities/en/complaints.html
Standard Chartered Bank is committed to making your banking with us a pleasant experience and values your feedback:
Visit Us : www.standardchartered.co.in Write to Us : customer.[protected]@sc.com
You can write to us at Standard Chartered Bank, Customer Care Unit, 19, Rajaji Salai, Chennai – 600 001 or reach our Phone Banking executives at http://www.standardchartered.co.in/personal/ways-to-bank/en/phone-banking12.html
"As per RBI guidelines, effective April 1, 2012; the validity period of Cheques, Demand Drafts, Pay Orders and Banker's Cheques for payment will be reduced from 6 months to 3 months from the date of issue of the instrument."
Original Message Follows:[protected]----
Again you people have started harassing me!
I don't understand what the problem in re issuing the letter is. Earlier also, I had to fight for this. I had mentioned earlier also that due to my medical conditions I am unable to continue my job & would not be in a condition to pay the installment amount.
You people already had issued me a preclosure letter and now you just have to reissue the same. Also, the preclosure letter dated 21st August, which was given to me is not updated with my account. Hence the phone banking or the branch people are also not able to address it. If you want, I can attach a scanned copy of the preclosure letter issued to me which has expired on 5th September 2013.
I cannot wait till 9th of October. In fact I want a preclosure letter by Monday ie. 30th September 2013. The day I get the preclosure letter, that same day I will pay the amount to Standard Chartered..
This is the worst service I have seen. I am very much upset by Standard Chartered Bank's way of working. There is too much of ambiguity in your phone banking, branches & customer care!
I seriously regret taking a loan from Standard Chartered Bank!
Regards,
Darshana
From: customer.care <Customer.[protected]@sc.com>
To: Darshana Asodekar <[protected]@yahoo.co.in>
Sent: Saturday, 28 September 2013 2:05 PM
Subject: At Your Service Your Right Partner Standard Chartered (KMM15417657V80322L0KM)
Ref : 09/13/133184/SP/AST
Dear Mr. Asodekar,
This is with reference to your e-mail dated September 27, 2013 regarding the loan account ending with 4612.
We have received your request for Pre termination Quote. We have taken note of your request vide reference number[protected].
With regard to your request that one of our officers will contact you on or before October 09, 2013, we request you to bear with us in the interim.
You can also contact our Phone Banking Officers to know the status of your request by referring the above mentioned reference number.
Assuring you of our best services always,
Yours sincerely,
On behalf of Standard Chartered Bank
Bhagyalakshmi D
Officer - Customer Care
We would like to know whether you are satisfied with this e-mail interaction.
Please click on the following link to provide your feedback.
https://forms.online.standardchartered.com/public_website/india/e-survey/
Please do not disclose your PIN/One Time Password (OTP) to anyone. Standard Chartered Bank will never call or send SMS/emails asking for such details. If you receive an OTP without request, please intimate the bank immediately. Login to Online Banking through our secured website
For more details on our complaint management policy and Banking Ombudsman Scheme, 2006, please visit to http://www.standardchartered.co.in /personal/tools-utilities/en/complaints.html Standard Chartered Bank is committed to making your banking with us a pleasant experience and values your feedback:
Visit Us : www.standardchartered.co.in Write to Us : customer.[protected]@sc.com
You can write to us at Standard Chartered Bank, Customer Care Unit, 19, Rajaji Salai, Chennai – 600 001 or reach our Phone Banking executives at http://www.standardchartered.co.in/personal/ways-to-bank/en/phone-banking12.html "As per RBI guidelines, effective April 1, 2012; the validity period of Cheques, Demand Drafts, Pay Orders and Banker's Cheques for payment will be reduced from 6 months to 3 months from the date of issue of the instrument."
Original Message Follows:[protected]----
Hi Rani
Please don't start this mess again!!! For that, I have already mentioned in my mail below that please check the trail mail below.
I had already received the preclosure letter on 21st August! This letter has expired & so I want you people to reissue the same.
Hopefully, again you people will not make me feel that I have done a big mistake taking a home loan from Standard Chartered Bank!!!
Regards,
Darshana
From: customer.care <Customer.[protected]@sc.com>
To: Darshana Asodekar <[protected]@yahoo.co.in>
Sent: Friday, 27 September 2013 2:39 PM
Subject: At Your Service Your Right Partner Standard Chartered Bank (KMM15405746V659L0KM)
Ref : 09/13/128025/SP/AST
Dear Mr. Asodekar,
This is with reference to your e-mail dated September 26, 2013 regarding your loan account ending with 4612.
We inform you that as per process preclosure of your loan can be done only after a period of 6 months from the date of booking of the loan. Hence, we request you to revert post completion of 6 months for enabling us to process your request with regard to preclosure .
Assuring you of our best services always,
Yours sincerely,
On behalf of Standard Chartered Bank
Rani B
Officer - Customer Care
We would like to know whether you are satisfied with this e-mail interaction.
Please click on the following link to provide your feedback.
https://forms.online.standardchartered.com/public_website/india/e-survey/
Please do not disclose your PIN/One Time Password (OTP) to anyone. Standard Chartered Bank will never call or send SMS/emails asking for such details. If you receive an OTP without request, please intimate the bank immediately. Login to Online Banking through our secured website
For more details on our complaint management policy and Banking Ombudsman Scheme, 2006, please visit to http://www.standardchartered.co.in/personal/tools-utilities/en/complaints.html Standard Chartered Bank is committed to making your banking with us a pleasant experience and values your feedback:
Visit Us : www.standardchartered.co.in Write to Us : customer.[protected]@sc.com
You can write to us at Standard Chartered Bank, Customer Care Unit, 19, Rajaji Salai, Chennai – 600 001 or reach our Phone Banking executives at http://www.standardchartered.co.in/personal/ways-to-bank/en/phone-banking12.html "As per RBI guidelines, effective April 1, 2012; the validity period of Cheques, Demand Drafts, Pay Orders and Banker's Cheques for payment will be reduced from 6 months to 3 months from the date of issue of the instrument."
Original Message Follows:[protected]----
Dear Manju,
Please find the below trail mail regarding the preclosure letter (Reference number [protected]).
With the help of the preclosure letter issued to me, I could proceed with the resell of my flat. But the party who is buying my flat had applied for a loan. In this process, my date of preclosure expired and hence now request you to reissue the preclosure letter.
I called the phone banking number for reissuing me the preclosure letter. They asked me to contact the nearest branch. So I visited, Andheri west branch on 23rd September 2013 & requested them to put a request of preclosure letter. But there is no feedback...
I am still waiting for the preclosure letter!!!
Loan account number:49024612
Regards,
Darshana
From: Darshana Asodekar <[protected]@yahoo.co.in>
To: customer.care <Customer.[protected]@sc.com>
Sent: Thursday, 22 August 2013 9:55 AM
Subject: Re: At Your Service Your Right Partner Standard Chartered Bank (KMM14961385V15618L0KM)
Dear Manju,
I have collected the preclosure letter from the Andheri branch yesterday. Thanks for your support and co-operation...
Regards,
Darshana
From: customer.care <Customer.[protected]@sc.com>
To: Darshana Asodekar <[protected]@yahoo.co.in>
Sent: Wednesday, 21 August 2013 6:30 PM
Subject: At Your Service Your Right Partner Standard Chartered Bank (KMM14961385V15618L0KM)
August 21, 2013
Ref : 08/13/082152/SP/AST
Dear Ms. Asodekar,
This is with reference to your e-mail dated August 19, 2013.
Please accept our sincerest apologies for the inconvenience you have experienced. We have logged a complaint vide reference number [protected]. We request you to quote this in your future communication with us on this subject. We assure you that our dedicated Complaint Resolution team will contact you with the solution vide a call/ SMS alert/ E-mail in the next 7 working days.
Assuring you of our best services always,
Yours sincerely,
On behalf of Standard Chartered Bank
Manju B
Officer - Customer Care
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Original Message Follows:[protected]----
This is not the solution!!!
If a person is not able to pay his future EMIs and for that purpose if he wishes to sell the flat and close the account, you (Standard Chartered) can take some preclosure charges, but must help the customer in settling it...
But instead of supporting or helping the customer, STANDARD CHARTERED is harassing a customer like me!
Recently, my husband visited STANDARD CHARTERED's Andheri Branch, where a home loan account officer said that there are no preclosure charges for closing the account before 6 months and also there is no such locking period...
Before taking this loan, the executive in Jogeshwari (Manoj Kasare) also said that there is no such locking period & no preclosure charges.
If they would have informed me first, I would not have taken this home loan from STANDARD CHARTERED bank.
Any which ways, I am not at all happy with this service now and do not wish to have any future service from STANDARD CHARTERED.
DARSHANA ASODEKAR
Loan Account No.[protected]
Contact No. - [protected]
From: customer.care <Customer.[protected]@sc.com>
To: Darshana Asodekar <[protected]@yahoo.co.in>
Sent: Monday, 19 August 2013 3:21 PM
Subject: At Your Service Your Right Partner Standard Chartered Bank (KMM14822125V62878L0KM)
Ref : 08/13/021180/SP/AST
Dear Customer,
This is with reference to your e-mail dated August 05, 2013 regarding your loan account ending with 4612.
We are concerned to note the deep sense of dissatisfaction expressed in your email. It is all the more disconcerting to note that, your recent interactions with our Bank did not evoke a satisfactory response. Whilst we make every effort to provide our customers the best in service, it is indeed disturbing to come across instances that are not in line with our service standards. We sincerely regret the inconvenience caused to you in this regard and thank you for bringing this matter to our attention.
We have received your request for List of Documents. We have taken note of your request vide reference number[protected]. Please allow us to sometime to process your request and it will be processed latest by August 21, 2013. We request you to bear with us in the interim.
Regarding pre closure, we wish to inform you that as per process preclosure of your loan can be done only after a period of 06 months from the date of booking of the loan. Hence, we request you to revert post completion of 06 months for enabling us to process your request with regard to preclosure. Further, we request you to share the copy of any documents in this regard for us to check and assist you accordingly.
We request you to write to us for any further assistance towards your loan account.
Assuring you of our best services always,
Yours sincerely,
On behalf of Standard Chartered Bank
Geetha S
Officer - Customer Care
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1721
Pending
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Resolved
778
+91 11 3940 4444
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19, Rajaji Salai, Chennai, Tamil Nadu, India - 600001