[Resolved]  Bank of Baroda Umbergaon Town Branch — 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.

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