[Resolved]  Corporation Bank — Financial Fraud

Address:

Ghaziabad, Uttar Pradesh

Hello Sir,

My Personal Details :

Name - Manish Khurana
Address - 134-C LIG DDA Flats, Motia Khan, New Delhi 55
Ph : [protected]

I have two things to bring to your notice.

I have booked a flat in under construction project Elegante Ville - Flat No. D-201 in Noida Extn.
We husband and wife have applied for home loan from Corporation Bank - Ramprastha Branch, as per recommendation by the Builder.

Our Home Loan Account no. is CHOME/01/1 20222

Branch details :
Branch Manager : Mr. Bhandari/Mr. Laxmikant Thakur,
Corporation Bank, Ramprastha Branch
Deep Memorial Public School Bldg, Blk-A,Ramprastha, Ghaziabad - 201002
Ph : +91-[protected]/[protected]/[protected]

1st Compliant

In the month of Feb'2013, same amount of Rs. 2,06,794.00 (attached scanned Copy of Bank Statement) has been transferred TWICE in the Builders account without my information and notifying me. I myself downloaded the bank statement and raised this concern with the Bank and Builder. Mr. Laxmikant Thakur (Bank Employee) told me that they have processed two demand letter requests, one which was sent by me through courier (Copy attached) and the second which they have directly received from the builder. It directly indicates that the Tripicate agreement which was signed by Builder, Bank & myself have no significance and the bank is releasing the amount to builder without even verifying the construction progress and notifying me. It clearly indicates the financial fraud. Further on this, I have done follow up with the builder and asked to refund the extra interest which I have paid to Corporation Bank. Ultimately, after many follow ups builder agreed to pay some part of the interest paid by me to Corporation Bank.
I have to bear approx. Rs. 2000 loss.

2nd Compliant

At the time of loan documentation at the bank branch, I have issued 18 post dated blank signed cheques of my ICICI Saving account no.[protected] to Corporation Bank, so that every month the bank can debit my account as per the liable interest. In the month of May'2013 I have received a notice from the Corporation bank branch on 21st May'13 (Copy Attached) stating that your interest of Rs. 9179 is due. Next day when I called up bank branch and spoken with Ms. Poonam & Mr. Bharat Bhushan in loan dept. He checked and admitted that the mistake was at bank's end and they forgot to present the cheque on time so thats why the amount was not debited from my account. He confirmed this to me through email as well (Copy attached). Then I respond him that make sure that I should not be charged any notice charges which was Rs. 255. But ultimately my saving account (Copy attached) is debited with Rs. 9,434.00 (9179+255). Unnecessary they have charged Rs. 255 extra to me.

By these two incidents in couple of months. it clearly depicts the wrong intentions of the bank officials & financial fraud.

You are requested to take further action and let me know if any further information is required.

I have copies of the below mentioned documents, however, unable to attach due to different format.
1. Demand Letter - dated 24th March'2013
2. Statement of account Home Loan dated 2nd April'2013
3. Notice for Interest due in the month of May'2013
4. Gmail Confirmation by Bank admitting their mistake
5. Statement of account Home Loan dated 25th May'2013

If copy of the above mentioned documents are required, please let me know.

Regards

Manish Khurana
+91-[protected]