Vijaya Bank — Misbehaviour & balance deduct from my account

Address:Chandauli, Uttar Pradesh

My self “Shahbaz Alam Khan”, from Mughalsarai, Dist.- Chandauli (East U.P) -232101. I am working in govt. sector like as Govt. teacher. I have required a loan for housing purpose. I had talk to your bank ( Vijaya bank, Mughalsarai u.p -232101 ) branch manager on 26.Dec.2014. Whose name is " Mr. Suresh kaushik ".First, he asked me that we have an account of the Vijaya bank. I replied "No" sir. Mr. Suresh Kaushik told me that before they will open an account with our bank.Then you can get a loan. And also see all my papers. Then he assured me that your loan will be pass 100%. According to the words spoken by "Mr. Suresh kaushik ", I opened an account at your bank as date on 27.Dec.2014. Whose account number : [protected]. First, he told me that, you will get a loan o[censored]p to Rs 15 lakh within 15th Day from my bank & at that time, he had promised me. And I had been deposited all the papers to "Mr. Suresh Kaushik", According to him. All legal and technical investigations had been completed by bank. Without even informing, two times my balance has been deducted from my account. The information is as follows: Amt. 2585 Rs deducted on 19.Jan.2015 (Time : 15:14:37) & Amt. 1800 Rs deducted on 07.Jan.2015 (Time : 17:06:20).So after all, he refused to give me a loan. And describe such excuses, which according to me are totally wrong.When I requested him to help me a lot.Then he told me in slow motion, your loan will pass. But it will give you 10% of the loan amount . I have to share the money between many peoples. And you're also Muslim. You will understand me. When I listened to it felt like the ground beneath my feet are gone. Now, I am facing problems both physical and mental & also with my family. That I have received the above problems from your bank ( Mr. Suresh Kaushik ).It's a shame too. If it is in your bank. I know the banks are always good. There are many bank account of my family also. If I did not do justice to the all account will be closed. Thank you so much. Reagrds, Shahbaz Alam Khan +91-[protected]
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Subject : Complaint regarding Housing loan.( A/C No : [protected] )

Dear Sir,

I have received a letter from Vijaya bank regarding this complain as before three to four days. First things, we are very thankful that after you listen to me, it started proceedings and I expect the same from you.

I have received a letter from your bank. In which, a few points are given. Which are somewhat wrong?
According to the point .Which was mentioned in the letter. I'm responding to you like this point.

1)- Before taking a loan, at the same time you told me about the all papers. Which were submitted to the loan? Then you had assured me that I will get the loan as soon as possible. You have to open my new account as well. But you did not tell me where the legal report & valuation report will charge extra. Then, I have to deduct money from my saving account twice.

2)- In the second point, it was written that I do not submit my loan papers in the bank. The first thing is that, I was asked to bring the paper. Those papers, I had already been deposited in the bank. Anyway, when I was not deposited all papers. Then you started to work on it. And you just have this problem, why not told me before about it?

3)- Dear Sir, You have given me so much trouble. Do you know very well about that? I had nothing wrong with you. And I'm not. Despite this, you put me in the dark. I had no pressure on you in any way as you told in your letter. We are Indian citizens. Well understand their culture and civilization. And we give the same education to children’s. I have no problems from you but you did not say anything like that to me before.

Respected Sir, when human require a lot of money. Then they go to the bank for loans. You did not give him any loans. But his money is cut off without any information. What's the right way?

Whatever happened to me? It was good. And I have no complaints of any kind. The amount was deducted from my account, we request that turned back to me balance or Credit in my account. I don’t want to take any types of loan from your bank.

Thanks,

Regard,
Shahbaz Alam Khan
Mughalsarai.
+91-[protected]

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