Reserve Bank Of India (RBI) — Re: Closure of my Loan Account No. [protected], Customer id: [protected]

Address:Mumbai City, Maharashtra

Respected Madam/ Sir, I had availed of vehicle loan from Tata Capital via Sia Service from whom I had purchase my four wheeler. The term of the loan installments got over in October 2012 and they have still kept my account open and also registered my name in CIBIL as defaulter even after completing all the installments. During the term of the recovery they have not sent a single communication nor informed me of any such so called defaults claimed by them. After almost a year of the last installment recovery, their associates/agents are calling and coming to my house and harassing me for payment of defaults they are claiming. I have requested them many times to send me in writing but till date NEITHER DURING THE TERM NOR AFTER THEY HAVE CALLED FOR ANY DEFAULTS IN WRITING. As per banking policy they have to immediately intimate me in writing to pay up my default if I had any before recovery of next installment or atleast before the term ends. Neither has been done and no closure letter given yet. I request humbly you good office to address my complaint and help me with the closure letter. I have send complaint letter and also put in my complaint online on their website but still not a single call to address my complaint. I am not able to mention the amount of harassment from their end and mental stress caused to me. Request your good office kind intervention. Thanks and kind regards, Deepthy Menon [protected]
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