Indian Overseas Bank — death claim

Address:

Dindigul, Tamil Nadu

From S. Ram kumar, S/o S.Shanmugam, Sennamanayakanpatti, Senthottam West, Dindigul.D.T. Tamil Nadu-. 624004 Cell :[protected]. Respected Sir I am S. Ram kumar. I am living in the above mentioned address. My father Mr.S.Shanmugam is having a savings account [ A/c No : [protected]] in Indian Overseas Bank – Collector office branch and he has been getting a Gold loan on the following four accounts i.e.[protected],[protected],[protected],[protected] and also he has added me as a Nominee for those Gold loan accounts. In between that, My father expired on[protected].After that I got my father‟s death certificate and legal heir certificate by applying properly. I have requested the concern bank manager to inform about my father‟s gold loan details and also about the loan amount that I have to pay for gold loan. But the manager didn‟t respond properly and he delayed to take action in this matter. Moreover he said that my father has got some other dairy loan too. He instructed me, “You should settle your father‟s dairy loan first then only the details of your Gold loan accounts will be opened in the computer system.” As the bank manager said, I paid a Sum of Rs.3000/- on[protected] for the dairy loan. He received the total amount and told me to come back after 2 days. Then I went to bank again on[protected].They told me to pay Rs.3000/- again. I paid that amount too but he refused to inform the details about the gold loan and again told me to come back after few days. After few days I went again to bank on 21.11.2014. On that day too, they ordered me to pay Rs. 2400/- I paid that amount at once .Then only the manager informed me about the gold loan details and he gave me a deadline on 25.11.2014 (only 3 days) to settle all the loan amount. And also he warned me “you should pay all the whole loan amount on or before 25.11.2014 else we will bring your jewels to auction”. As he has given me a short time, I borrowed a Sum of Rs.3, 13, 540/- [Rs 3 lakhs, thirteen thousand five hundred and fourty rupees] on high speed interest, and atlast I paid that whole amount to the bank on 24.11.2014. But still he refused to inform me about the steps and procedure to get back my jewels. And also they told me to collect some forms such as Claim form, Indemnity Bond, Affidavit and other nominee‟s acceptance letters, by notary public lawyer, eventhough I settled all those loan amount. According to his instruction I collected and produced all those certificates along with the property details of all the nominees, with their signature, to the bank manager. He got everything and further he ordered me to produce „10 lakhs valued property documents‟ of 2 nominees with all receipts and signatures. But I couldn‟t arrange 2 nominees who possess 10 lakhs valued property. So Regarding this I gave an application to the collector too. Eventhough my application is processed through collector office to the Branch manager, the manager sent me a reply letter with the same demand of producing two persons with a property of 10lakh worth. Sir I am helpless and I kindly request you to take proper action on the bank manager and help me to get back my jewels. Herewith I have enclosed the following documents for your reference. Thanking you Enclosures: 1. Claim Form – 1 – Xerox 2. Property details of 2 Nominees – Xerox 3. My father‟s death certificate – Xerox 4. Legal heir – Xerox 5. Indemnity Bond – Xerox 6. Identity card of 2 nominees who signed in indemnity – Xerox 7. Affidavit – Xerox 8. Identity card of the 2 persons that mentioned in Affidavit - Xerox 9. Acceptance letters of other heirs – Xerox 10.My identity card – Xerox 11. Receipts for paid dairy loan – Xerox 12.Receipts for paid Gold loan – Xerox 13.An Application that I have given to the district collector – Xerox 14. Reply letter from the Bank Manager - Xerox