Bank of Baroda Complaints & Reviews

Sub: complaint against Bank of Baroda, umbergaon branch manager Mr. h b shah (dis : bulsar) as he is not allowing a senior citizen widow to repay loan.

Complaint against umbergaon town branch manager dis: bulsar

Dear Sir,

My son took finance ( overdraft m/s pacific computers a/c no :[protected] ) from bank of Baroda umbergaon town branch, dis valsad, he started overdraft facility from 75, 000 /- in year 2002, then he extended up to 6, 50, 000 /- on the basis of his regular repayment and good repo with bank, he mortgage our family house against overdraft facility, which is owned by my late husband and his brother, as my brother in law was expired before this agreement his son, my nephew, signed as a guarantor with my husband, your valuer valued 13, 00, 000/- of that property means they gave exact 50% in 2004 march.

My husband died in June 2006, and due to that shock I got paralyses attack, after that I shifted to my brother’s place Mumbai, as there is no enough medical assistance in umbergaon, I have high b/p problem too, in this period from jan 2007 to till date my son repaid around 3, 50, 000/- (three lacs fifty thousand to overdraft account) we have bank statement which shows he paid at least 1, 000/- daily. which shows his willingness to pay, he have one home loan and furniture loan too with bank of Baroda’s same branch, in which he closed furniture loan by paying 75, 000 /- last year, and he paid around 75, 000 /- in home loan too. That means he is capable and willing to repay the loan, then why branch manager is not co-operating with us to settle the overdraft facility.




Now my doctor’s suggest that I don’t need regular medical assistance so I want to shift to my home, I request bank of to give me detail of balance payment and period in which can repay. As I want clear picture about the loan and want to close as early as possible.

But Bank of Baroda umbergaon is not in mood to settle the loan they are interested in our property, they are always threaten my son that they will sized our home any movement, they torching my son to repay in one shot, when my son told me about that I got shock, how bank of boroda will do this to us, as we had 30 years old relationship with same branch,

One time we are the main depositor in that bank, my son also was doing around 70 lacs P/A transaction with bank.

Last year Mr. Shah, Bank manager send LAD to Mumbai jogeshwari branch for sign, which me and all my legal heirs sign as per manager instruction and we took all the responsibility of the loan, So I decided to communicate with branch manager, I send two request letters to him which I attached to this complaint, ( please refer that ) but he didn’t reply to me but he called my son and ask for pay within a week or he will start process of possessions, when my son ask him for repayment amount with interest and some period or some short EMI’S which help us to arrange and repay fast, He threats him to sized his flat also in which bank of Baroda gave him home loan since last 8 years and he is paying regularly ( please check the detail ) My son shocked and told me the detail as he is very much tense he don’t want to involve me in this due to my high b/p problem, but still he told me that now he can’t handle the matter and they will snatch our house, and they will not give us chance to pay,

Now this is clear that they are interested in our property, this is the only reason they are not co operating in repayment, due to any reason, may they want to give it to any local influence person, as our house located in prime location next to mamletdar office, in the heart o[censored]mbergaon town, they are only asking to pay entire amount in one stork, which is not possible as we paid lots of money without any guideline, now please you take proper action and stop all this, and give us proper facility to repay the loan which is taken against our only property.

I will become homeless, if bank of Baroda umbergaon branch successes in their plan of not allowing us to repay. please note now in Jan 2009 mr.shah told my son that his valuer revalue my house of 8 lacs only as in 2004 march at the time of loan bank’s valuer give 13 lacs value, and now market value is around 25 lacs and, means they are creating ground to take our property please note one more thing this account become NPA only by 10000/- (ten thousand rupees) only because they didn’t give proper guideline of repayment that time also.







Please give us support. Hoping positive reply from your end, please help me in repaying loan and give us a proper guideline. Please take quick action.

Thanking you,
Yours faithfully

Sangeeta arvind karulkar

[protected], [protected]
Email: [protected]@yahoo.in

Dear sir,
I, Rajeev Pratap Singh, went to open a citizen saving ac at bank of baroda, patel nagar branch:rama devi, kanpur with Rs. 100, the branch being nearest to my residence on 28th April, 09.i had sufficient documents to fulfill KYC norms laid by RESERVE BANK OF INDIA(documents included ration card of my pernanent address and identity card of CSJM University, kanpur verifying my photo and addresss) and my introducer is also an esteemed customer of the bank(esteemed means here that he has account balance good enough).
The bank official denied opening account with Rs. 100(hundred) and said that i should deposit a minimum of Rs. 1000(one thousand). i requested the official that i am a student and that i can't afford Rs. 1000 at that moment, but he refused.i then approached the chief branch manager, Mr. Adutthan, who just like the above official refused to open my ac with Rs.100. he even publicly hurt my social respect by making a fun of the thing that i can not afford Rs.1000. he said if am ready to open ac with Rs. 1000 then only he can open my ac.
i then made a call to the regional head office at gumti, kanpur whose no. i got from a board at bank and had a talk with Mr. Gupta (HR dept) who talked to the manager on the same call. but the manager being his colleague, he didn'solved my problem although he told me earlier that i can open ac with Rs. 100.
therefore i rajeev pratap singh lay allegations on the bank of baroda, patel nagar kanpur branch and its chief branch manager, Mr. ADUTTHAN, for above matter and for publicly hurting myself on social basis for my financial disability.
i shall pray the complaint cell to take the most strict actions against the abvove bank and its chief branch manager Mr. ADUTTHAN(i may have spelt the surname incorrectly) and equally compensate me for my mental and public harrasement.i shall be available personally whenever the consumer court demands so.
Thanking You.
Regards,
RAJEEV PRATAP SINGH
(Mob. No. [protected])

Dear sir,
I beg to say that I am holder of saving bank account (No.[protected])
of bank of baroda, D.A.V.School branch, Ambala Cantt., whose ATM I
operated on SBI Mahesh Nagar ATM on[protected] and was not
dispensed with cash, but debut operation for that entry in my account

I and bank of barada ambala cantt
also write acomplaint to sbi, ambala city branch about it, but nothing is
done.
So I request you to please look into the matter and repay back
the amount (Rs. 10000/=) to my account.

Thanking you.
Yours faithfully,
Sudhir Kumar Gupta,
D.A.V. Senior Sec. School.
dated :[protected] Ambala Cantt.

Mobile No.: [protected]

reciept of ATM:-

STATE BANK OF INDIA
DATE TIME ATM ID
03/04/09 10:55 SI AC 00060806
CARD NO. [protected]
TXN NO. 5398
RESPONSE NO. 072
SAVINGS
SOORY UNABLE TO PROCESS
INCONVENIENCE IS REGRETTED,
KINDLY CONTACT YOUR BRACNCH
OR CALL 24 X 7
HELPLINI AT [protected] OR[protected]

dear sir/madam

i am account holder of bank of baroda defence colony, new delhi - 24 branch, they issue me cheque book which has same series of number .i meant to say that my last cheque book and my current cheque book have same number of series.my all cheque got bounced and returned i have to pay charges of late fee of sschool and etc., This is causing lots of mental harassment

You are requested to please look into the matter and reverse the charges which i had paid because of your fault

sushil kumar singh
a/c no.[protected].

Dear Sir,

I would like to inform you that I have the saving account in Bank Of Baroda, 5, Manak Vihar Branch, Delhi vide Account No. [protected].

I have received one mail on my personal mail id with some linkages from netbanking.[protected]@bankofbaroda.com on dated 06.03.09 regarding the net banking user ID & password conformation. On that linkage, I have put the ID & password because I hv understand that it has came from bank. Now on dated 07.03.09, Rs.25000 twice has deducted from my account.

By doing the fraud and cheating, my account has debited by Rs.50000 and credited to A/c No. of [protected]. The transaction reference No. is 143795 and 143778 for Rs. 25000/- each.

The details of credited Account are as under:
Credited Account No. – [protected]
Person Name – Datta, Raja Ram Singare
Contact No . - [protected]
Address :-
Flat No. – 17, First Floor,
Near Amarbar Trading Building
Sec. – 11, Plot No . 61,
Juhoo Gaon Vashi;
Navi Mumbai

These all transaction has done by unauthorized person and not by me so my request to you to take the action against the Bank & person involved.

My main concern is that, how the data has leaked from bank's IT department and bank is the more responsible for security providing to customers. I have already loose Rs. 50, 000 so bank should credit my account with same amount.



Here is mail details:
From: Bank of Baroda <netbanking.[protected]@bankofbaroda.com>
Sent: Friday, 6 March, 2009 4:45:02 AM
Subject: UPDATE YOUR BANK OF BARODA® NET BANKING ACCESS


Dear Customer,

Bank of Baroda continues to provide security controls to protect information about you, we believe it is extremely important for you to share in the responsibility for security. Notice to ensure that only you have access your Bank of Baroda NetBanking account and to ensure a safe Bank of Baroda Banking experience, we require for your account information for better security.

To verify your Information at this time, please visit our secure server webform by clicking the link below...

https://www.bobibanking.com/cgi-bin/webscr?cmd=login

This alert relates to your Online Banking Profile only.

Bank of Baroda Services
© 2009 Bank of Baroda. All rights reserved.

Dear sir
Myself Sanjiv arora i am a business man in ajmer rajasthan and i have a c/a in BANK OF BARODA SAVITRI SCHOOL BRANCH I am cheated with the bank, suddenly they had debited my a/c by rs 562 when i asked about that they said that this is the charges of minimum balance you have to deposited rs 10, 000 in your a/c, I said that this is not the amount the amount is rs 5, 000 and I am having it in my a/c you can check, they said that is old commitment now you have to deposit rs 10, 000 in your a/c then I asked to the Manager sir, i have no idea of this and there is no kind of Intimation by the bank, they said that can't you see the notice board, I asked my shop boy is doing all the transaction in the bank so that they have no idea of notice board, When i see the statment of the a/c i'll personally come to meet you for this and when i see the notice board there is nothing written on the board i said that sir there is nothing then they say "o" I just have to put the notice on the notice board then i asked to the manager sir please waveoff this amount it will never happen again they said this is the system of the bank and I am having more than 60000 a/c how can i intimate each a/c about this after that they are laughing on me.

I HAD USED MY STATE BANK OF INDIA DEBT CARD NO[protected] ON 01/04/2009 TO WITHDRAW RUPEES SEVEN THOUSAND ONE HUNDRED ONLY (RS 7100/-) FROM BANK OF BARODA ATM MACHINE BEARING ID NO 1FDDE193 (KATH MANDI REWARI - HARYANA),

WHILE AMMOUNT WAS DEBTED FROM MY ACCOUNT NO [protected] (SBI GANDHI NAGAR JAMMU), CASH WAS NOT DISPENSED. THE SLIP EXTRACTED FROM ATM MACHINE SHOWING TRANSACTION ID- 527 AS D EC L I N E D T R A N S A C T I O N .

THE COMPLAINT ALONG WITH THE SLIP WAS FILED ON SAME DATE WITH THE REWARI (HARYANA) BRANCH OF BANK OF BARODA.
TILL DATE THERE IS NO RESPONSE & MY ACCT STANDS DEBTED BY RS 7100/- SINCE 01/04/09

DEAR SIR,



WE BOTH ME AND MY COUSIN BROTHER APPLIED FOR HOUSING LOAN AND WE GAVE LETTER FOR STOP PROCESSING AS WELL AS WE CALL YOUR EXECUTIVE TO STOP PROCESSING OF LOAN FILE 7 TO 15 DAYS IN ADVANCE BEFORE SUB, ITTING THE LETTER.



AS YOUR BANK IS NOT READY TO SANCTION THE DESIRE AMOUNT AND THEY DELAY PROCESS OF VERIFICATION FOR MORE THEN 20 DAYS AND BUILDER DEMANDING AMOUNT WITH INTEREST, SO WE APPLIED WITH OTHER BANK.

WE GOT LOAN FROM OTHER BANK, THEN ALSO YOUR OFFICER DEPOSIT MY PROCESSING FEES CHEQUE WITHOUT NOTIFYING US,



AS ALL THE BANK ARE FIRST INTIMATE AND THEN DEPOSIT THE CHEQUE,



MY COUSIN BROTHER'S FILE DECLINED BY YOUR OFFICER AS HE IS NOT HAVING STRONG ADDRESS PROOF AND I ALSO INTIMATE YOUR EXECUTIVE VASANTA MADAM FROM JOGESHWARI SALES DEPT THAT PLS CANCEL AND STOP MY FILE FROM PROCESS.

FRAUD in net banking
With help of Bank of Baroda, some one have withdraw my Rs 50, 000.00 from Bank of Baroda Sri Ganga Nagar. And Bank of Baroda is not cooperating me. As per them behaviour I think they are involed in this case, as they are not entering any FIR in police. I can not believe on Bank of Baroda

Sub: complaint against Bank of Baroda, umbergaon branch (dis : bulsar) as they are not allowing a senior citizen widow to repay loan.

Respected sir,

I m sangeeta arvind karulkar wife of late Mr. arvind tukaram karulkar, m now 65 year running, A gold medalist in Maharashtra nursing council in year 1965, was government employee, my late husband was farmer My father-in-law was mention in the book by British “WHO IS IN INDIA “

My son took finance ( overdraft m/s pacific computers a/c no :[protected] ) from bank of Baroda umbergaon town branch, dis valsad, he started overdraft facility from 75, 000 /- in year 2002, then he extended up to 6, 50, 000 /- on the basis of his regular repayment and good repo with bank, he mortgage our family house against overdraft facility, which is owned by my late husband and his brother, as my brother in law was expired before this agreement his son, my nephew, signed as a guarantor with my husband, your valuer valued 13, 00, 000/- of that property means they gave exact 50% in 2004 march.

My husband died in June 2006, and due to that shock I got paralyses attack, after that I shifted to my brother’s place Mumbai, as there is no enough medical assistance in umbergaon, I have high b/p problem too, in this period from jan 2007 to till date my son repaid around 3, 50, 000/- (three lacs fifty thousand to overdraft account) we have bank statement which shows he paid at least 1, 000/- daily. which shows his willingness to pay, he have one home loan and furniture loan too with bank of Baroda’s same branch, in which he closed furniture loan by paying 75, 000 /- last year, and he paid around 75, 000 /- in home loan too. That means he is capable and willing to repay the loan, then why branch manager is not co-operating with us to settle the overdraft facility.

Now my doctor’s suggest that I don’t need regular medical assistance so I want to shift to my home, which my late husband left for me and I have lots of memory with that home, I want to spent my balance life there in our forefather’s house peacefully, so I request bank of to give me detail of balance payment and period in which can repay. As I want clear picture about the loan and want to close as early as possible.

But Bank of Baroda umbergaon is not in mood to settle the loan they are interested in our property, they are always threaten my son that they will sized our home any movement, they torching my son to repay in one shot, when my son told me about that I got shock, how bank of boroda will do this to us, as we had 30 years old relationship with same branch,



One time we are the main depositor in that bank, my son also was doing around 70 lacs P/A transaction with bank.

Last year Mr. Shah, Bank manager send LAD to Mumbai jogeshwari branch for sign, which me and all my legal heirs sign as per manager instruction and we took all the responsibility of the loan, So I decided to communicate with branch manager, I send two request letters to him which I attached to this complaint, ( please refer that ) but he didn’t reply to me but he called my son and ask for pay within a week or he will start process of possessions, when my son ask him for repayment amount with interest and some period or some short EMI’S which help us to arrange and repay fast, He threats him to sized his flat also in which bank of Baroda gave him home loan since last 8 years and he is paying regularly ( please check the detail ) My son shocked and told me the detail as he is very much tense he don’t want to involve me in this due to my high b/p problem, but still he told me that now he can’t handle the matter and they will snatch our house, and they will not give us chance to pay,

Now this is clear that they are interested in our property, this is the only reason they are not co operating in repayment, due to any reason, may they want to give it to any local influence person, as our house located in prime location next to mamletdar office, in the heart o[censored]mbergaon town, they are only asking to pay entire amount in one stork, which is not possible as we paid lots of money without any guideline, now please you take proper action and stop all this, and give us proper facility to repay the loan which is taken against our only property.

I will become homeless, if bank of Baroda umbergaon branch successes in their plan of not allowing us to repay. please note now in Jan 2009 mr.shah told my son that his valuer revalue my house of 8 lacs only as in 2004 march at the time of loan bank’s valuer give 13 lacs value, and now market value is around 25 lacs and, means they are creating ground to take our property please note one more thing this account become NPA only by 10000/- (ten thousand rupees) only because they didn’t give proper guideline of repayment that time also.

Please give us support. Hoping positive reply from your end, please help me in repaying loan and give us a proper guideline. Please take quick action.

I am having current A/C no.[protected] in bank of baroda, sector-5, rajender nagar, sahibabad, ghaziabad, U.P. This is a proprietorship current A/C. I opened this A/C in sep 2007 with Rs.5000/- and it was told that minimum balance will be Rs.5000/- for current A/C.
Now, On 16/03/09, Rs 562 and Rs.114 has been deducted for less than minimum balance and bank officials are saying that you have to maintain Rs.10000 as minimum balance.
Here, I am asking, why they opened A/C in Rs.5000, if the minimum balance is Rs.10000, also, why this thing was never told by any official that you should maintain minimum balance.

RESPECTED SIR,

I M MANOJ SINGH HAVING BANK OF BARODA DEBIT CARD WHOSE NO. IS [protected].

ON 12/3/2009 I HAV USED IDBI ATM CENTER FOR THE WITHDRAWAL OF RS 3500.

BUT THERE WAS ERROR IN TRASSACTION .

THE MESSEGE BEING DISPLAYED WAS " UNABLE TO PROCESS"

WHEN I CHECKED MY BALANCE INQUIRY IN SBI ATM 3500 WAS BEING DEDUCTAED FROM MY

A/C NO.[protected].

HOPE YOU TAKE SOME ACTION """


YOUR'S SINCERELY;
MANOJ SINGH

I have taken home loan from ICICI and wanted to transfer the remaining amount to Bank of Baroda as they were offering better deal in terms of interest rates. The BoB representative from the loans department told me that it will take 15-20 for the process to complete. I submitted my application in November 2008 along with all the documents required by BoB. Its been 4 months now and still the application has not been processed (since the cheques given by me for legal and process fees have not yet been debited from my account). I have been following up regularly and the response I get is that it will be done at the earliest. The feedback link on the bank's site doesn't work either. Does anyone have the email ids of the senior people from BoB?

Late Delivery of Courier
Dear Sir/Madam,

My wife Shashi Seth booked a leeter vide docket no.[protected] on 02.03.09 from New Delhi to be delivered to me ie at D.C.Seth, Bank Of Baroda, Cuffe Parade branch, GD Somani Mrg, Cuffe Parade, Mumbai-5. I talked to Mr Sandeep over his mobile no. [protected], Mr Shivaji and Mr Ganpat at your Fort no. 22842858 and 22841444 and one Mr Dinesh over his mobile no. [protected] AND i was promised that the said letter will be delivered to my office yesterday. I also told that my office is open till 9.30pm and we are available here but inspite of the clear assurance the letter was not delivered to me by 9 pm yesterday and i was informed over phone that the office was closed which is abosolutely wrong. Later on, on my follow some boy from your office came to my office at 9.10pm yesterday and found office was open and personally assured that the letter will be delivered to me today positively by 9.30am.
But the promise again not fullfilled.
I request you to arrange for delivery of letter today at any cost by 11.30 am and take action against your negligent staf[censored]nder advice to me.
dcseth, chief manager, bank of baroda
Ph 22183754, 22150793, 22188293, 22151938
M- [protected]
TIME 10.20am
date 07.03.09

I am sumit Duggal having saving bank account in BANK OF BARODA in NAWADA Branch.I am very depressed to share with you my problem when I went to BOB on dated[protected] with my friend to open his saving Bank Account.
when I asked bank employee to give me saving account form for openinig account they deny to give me and asked for I.D proff.when I showed my I.D Proof i.e my Licence then he asked for my residense proof when I said to bank employee licence is used both for I.D and address proof then he rudely behaved with me.
I want to say that this is time of depression and Banking sector is hard hit in this depression and there is dearth of money in the market I think your bank employee is reponsible for such thing because they do not let people open their account and also do not provide right information and do behave with customer like they are owner of the bank.

I am student of CHARTERED ACCOUNTANT and I studied many Provisions given under Banking regulation Act 1949.when I studied Banking regulation Act I was surprised to read such hard and fast rules and provision but now I realised that such rules are copied and pasted from some where there is no body to control over rudely behavier of bank employees.

I want to say at the end please do the need full and teach the lesson to such employee so they will provide right and fairy information and behave well with customer.

Thanking you
sumit duggal

Sir,
I would bring to your notice that on dtd.11-02-09 I had tried to withdraw Rs 6500 from bank of Baroda ATM branch new sama road, vadodara, Gujarat (ATM ID 1FDBAR14) using my bank of baroda ATM card No.[protected]. The transaction was declined(Seq No 2808). Later when I had withdraw Rs.4000 from another ATM of bank of baroda, new sama road baroda(ATM ID 1FDBAR40) on same day i.e. 11/2/2009 and I get it but I noticed that the amount of Rs.6500 which was declined (ATM ID 1FDBAR14) debited from my saving account No.[protected]. When I contacted bank of baroda branch, new sama road, vadodara and submitted an application in this regard. They promised to credit the money back to my account. But have not done so till date.
Please help me get back my money.
Sincerely,
Dimpiben Arunkumar Patel.

Dear Sir,

With reference to subject we would like to draw your attention on this matter. We have applied education loan in 3rd week of October 2008 at Bank of Baroda branch Indira puram Ghaziabad (U.P). At the time of filling application I was assured that this loan will be cleared immediately after getting verification of residence at your working place that is H.No. B-771 Sector B&C colony Dudhichua Post Dudhichua, Disst Singrauli M P, Pin 486888.

But pre-sanction inspection done by Bank of Baroda Branch Anpara Disst - Sonbhadra (U.P.) in 2nd week of January 2009 and report received by BOB Indirapuram Ghaziabad UP in last week of January 2009. I received information over my mobile phone No. [protected] on 27th January 2009 that your pre-sanction inspection report has been received by us please come over here for completion of balance other formalities so we can complete the file for final approval.

With this information I reached Delhi with all documents on 10/02/09. After reaching Delhi I made call to Manager BOB, branch Indirapuram Ghaziabad during the conversation I was told that we will inform you after discussion with A.G.M.

Next day (today) when I make a call at around 11.30 regarding for further course of action then during conversation he told as per guide line of AGM this case can not be complete here. We will send these documents to your nearest branch of BOB. That is Branch Anpara Disst - Sonbhadra (U.P.) where you are living. Then I request to the manager please for help you just inform the bank manager of Anpara branch for clearing the loan at the earliest because due date of depositing fee is already gone. With my request for help call made by him during discussion the new thing came out that loan can be sanction from that place also that can be from nearest branch of my permanent address only.

With all conversation I am totally confused & mentally disturb that how I will deposit my daughter Anita Kumari fee. She is the student of MBA SEM-I Cosmic business school plot H-1 opposite Amity International School, Sector 6, Vasundhara, Ghaziabad (U.P.) because still I am not clear that loan will be sanction from where. Already applied or where I am working or from the nearest bank of my permanent address. Distance between permanent address & working address in approx 500 km.

Please advice how I should proceed so loan can be grant me immediately.

Yours truly,

Ganesh Prashad Singh
Foreman Incharge Dudhichua Project
Northern Coal Field Limited
Singrauli (M.P.)

Residence:

B-771, Sector B & C
Colony Dudhichua
Post Dudhichua
Disst. Sidhi (M.P.)
Pin – 486888

Ph.[protected]
Mob. 0 [protected]

dear Sir / Madam

i am an account holder of this Bank from Last 10 years
very recently the Bank has given me a shock of my Life,
when i got my passbook updated, on 2nd February because the internet Banking couldnot loged due tosome technical problem.

i was shocked to see my passbook, because some one has transfered Rs.25000/- on 27th January and Rs.740/- on 28th January

when i reporeted to the Bank, they said that they will check and inform, but the answers are not satisfactory, because there seems no shocking t them as i had. ( naturally i am the one who lost Rs.25740/- not they)

now i would like to use your forum to raise my voice against this Loot and very upset to know that even Banks are unable safeguard the intrest of Customers

Regards
Patel

With help of Bank of Baroda, some one have withdraw my Rs 50, 000.00 from Bank of Baroda Sri Ganga Nagar. And Bank of Baroda is not cooperating me. As per them behaviour I think they are involed in this case, as they are not entering any FIR in police. I can not believe on Bank of Baroda.

I have experienced worst service by bank of baroda gamdevi branch. The Bank staff is not interested in customers requirment. A customer has to wait too long for any service. There are not proper counters & work distribution in the branch. no one bother about what the customer really wants.Once I approch the bank for applying for new cheque book of my old age uncle I was instructed to go towards Government Recovery I reach there & ask the related officer about the requirement he told me that Uncle should come himself for the cheque book then I came to home after some days I reach the bank with my uncle I approch to the same officer then he said that dont come to me for cheque book go to another counter these are all irritating things