| Address: 25/9 Mariamman koil sannadhi street, keelapalam, Mannargudi 614001 |
Ref;-Jewel loan account number [protected]
Name Mrs. Kala Sabanayagam dated[protected]
JL for Rs 47000/- interest at 7, 7%
Bank of India Mannargudi branch Tiruvarur district.
Respected sir,
With reference to the above we hereby bring to your kind notice that the above loan was availed by my mother, who is a Bank of India customer. Last year she succumbed to Covid. Her loan from your bank is not known to us, since her legal heirs are residing at Trichy and Madurai. Last year while we come for ceremony to Mannargudi at that time only we received from a call from your Mannargudi branch by the jewel appraiser. We surprised to know that she availed a loan in your branch, the time was November 2021, then we contacted the branch. They informed us to pay Rs53000/- and submit death certificate, legal heirs and affidavit, etc., We applied to the government of Tamilnadu, since the account holder Mrs Kala Sabanayagam expired over covid, they took too many formalities and enquiries and at last we got death certificate. Subsequently we applied for Legal Heirs certificate, the Tiruvarur collectorate took long time and issued the certificate.
On[protected] we approached the Mannargudi BOI for closing the jewel loan at that time the officer told us to pay compound interest and penalty for overdue and NPA. Until[protected] the loan amount is Ras60500/-.
We regret to inform that it is beyond our control, actually we did not aware of the loan, since we are residing at far off places. If the Bank of India sent any notice regarding the pending loan, it would have saved us from the harassment.
A normal healthy person is not at expected of suddenly succumb under covid. In the early stage the Government and the officials were very very strict regarding Covid and the persons who are succumbed to it. In getting certificates from the authorities, it was a long battle.
We humbly request you to waive the penalty, overdue and NPA jewel loan account of the deceased customer (under Covid). It is not at all expected from any family. In our distress the Bank of India should help us to redeem the Jewel loan by the legal heirs.
We are ready for One Time Settlement. Kindly consider our case sympathetically and pass necessary orders regarding penal, overdue interest and other charges. We will close the jewel loan with normal rate of interest of Rs.53000/-
Thanking you.
Yours faithfully Mannargudi.
M. Sarathy
M, Vidya (Legal heirs of Mrs Kala Sabanayagam)
Bank Of India customer support has been notified about the posted complaint.