[Resolved]  State Bank of India — EMI amount unavailed load regarding

From,
P.Ragupathi,
10, Vinayagar Koil Street,
Sivaganga Nagar,
Pondicherry 605 005.

Credit Card No. [protected]

To.
The Consumer Complaints

Sir,
Sub: EMI amount for unavailed loan amount - Mental agony due to harassment - Complaint submitted - Reg


I humbly to submit few lines to you to set right my very long issue with SBI Credit Card. During the Last week of January the SBI officials Called me over telephone for providing an loan amount of Rs.47, 000/- to me. I have agreed to accept the loan, but I have to agree the terms and condition and to be singn on the same. I have asked to disclose the terms and conditions, but the officials told that we will send the terms and conditions along with the Cheque amount for signing and acceptance of the Loan amount. Further they have added that if I am not satistifed with the terms and condition I can return the entire post (cheque etc) to the SBI CARD office. Accordingly I have received the Cheque and Terms and Conditons(to be signed and agreed), As I am not not satisfied with the terms and conditions I have returened the entire post (along with Cheque and everything) to the SBI CARDS & Services P LTd, PB No.28, GPO, New Delhi - 110001 through Indian Speed Post on the same Day ie 31/01/2009. The same was received by the SBI CARDS office on 04/01/2009.(The receipt was verified with the Speed Post Delivery Information of Article available in the internet).

Further on first week of February 2009 I have called the officials over the Call Centre I have clearly explained about the cancellation of the Loan and about the return back of the Cheque. The officials accepted the cancellation and given me no:[protected]. further complaint no [protected]

It it to be noted that without receipt and acceptance of the loan, the amount was included into my SBI Card Account during the Last week of January 2009 itself. Thereafter my enquiry in this regard attented by SBI Card officials assured me to revert the loan and related penalties in a week or so. But none of the assurances of your office are adhered to.The Dates of calls are as follows:
12/02/2009, 26/02/2009, 05/03/2009, 09/03/2009- Raj Chennai, 12/03/2009-Menaka Chennai, 22/03/2009- Ramya Chennai, 23/03/2009, 26/03/2009-Shibu Chennai, 31/03/2009 Ayas Chennai,

Without bothering anything the SBI Card send thein monthly statement (Feb and March)indicating the EMI amounts and Penalties etc and Seperate due notices etc. Further, During the first week March SBI card Collection Centre Officials from Chennai, given lot of trouble over telephone and SMS, officials called me on 18/03/2009, 19/03/2009, 20/03/2009 talked to me very vigourous about payment of the minimum due of the unavailed loan amount. Till today I am received lot of calls and SMS from SBI CARD for payment of the unavailed.

Regarding the issue I have sent e-mail to feedback.[protected]@ge.com;head.[protected]@ge.com but in vain

Meanwhile on 05/04/2009 two officials came from SBI CARD regarding the collection and asked lot of questions to my family members and created big trouble in my house, At that I was not available in the house, Which created a lot of issues in my family.

I am prompt payer for past three years without any due, as on date I have do due with SBI CARD. Due to the mental agony created by the SBI CARDS & PAYMENT P LTD, I have suffered in the following:
1) I am unable to concentrate on my officials duty for past two month, I was remarked "Not Good" in the Confidential Report
due to not completing the year year Work.
2) I am unable to concentrate on daughters study who is writing Matriculation (10th) Exam, she is fully depending on me for her education.
3) I am unable to attend one course "Post Graduate in e-Governance for Executives" at one top level Management Institute,
course fees of Rs.5.25. lakhs First instalment of Rs. 1 lakhs paid.
4) Lot family mis understating created.

I light of the above, I kindly request you to pass necessary orders to revert the unavailed loan amount and its pernalties etc. and penalty of Rs. 5 lakhs to be imposed on the SBI CARD & PAYMENTS SERVICES LTD due to my above said sufferings. I am sending all the copies of documents to you for verification.

Since, I am a field official, it is very difficult to receive register post, kindly communicate through e-mail.

If you order, I am ready to explain the issues before you.


Thanking You Sir,


yours faithfully,
P.Ragupathi,
10, Vinayagar Koil Street,
Sivaganga Nagar
Pondicherry 605 005.
Thanks