[Resolved]  Ge Money — HARRASEMENT AFTER FULL PAYMENT

Sub: Grievances against Ge Money-Kolkata Dhakuria Branch
Re: Personal Loan A/c no: RNKD00011573

Dear Sir,
I had applied for a personal loan in the above bank/branch for Rs 60000/- in June’2006 to get registration of my flat. But the bank sanctioned a loan of Rs 28000/- which I deny to take at branch office. Mr.Bidyut the guy who was representing my file told me that this is a partial approval and after 3 successful EMI paid you will get another Rs 20000/- without any increase in the present EMI. Further you will get another Rs 55000/- as pre approve loan after the completion of 6 EMI’s whose EMI will start after completion of your first loan of Rs 28000/-. I ask for the return document whatsoever, he conveys me that it will come directly from H.O. with the payment schedule of this loan.
But I have not got any such paper with the payment schedule. I had contact over phone and went personally to branches several times to resolve the matter but nothing comes fruitful. I told to the then manager Ms. Priyanka jaiswal of dhakuria branch I am not interested to carry the loan since the amount is not fulfilling the matter for which I have applied for the loan.
After so may telecom and follow up with emails (copy attch for your ready ref.) I have advised to pay the balance amount in cash which comes to Rs 14000/- and I did accordingly. On the receipt they have written it full and final payment for the loan and given me a number to fax the receipt so that I will get the NOC accordingly. On the faith of a repute bank I have paid full amount what bank has given to me and ask for a NOC letter. But still today I am not getting any NOC letter.
Meanwhile when a manager change or a representative change in the branch they again contact me and ask for the amount and said your loan is not closed and you have to pay the amount. I have narrated the entire episode again and again and they convey me that matter will be resolve and you will get NOC and security cheque.
To my surprise I got a call from a few days ago from the bank and ask for the payment. I told him the fact and he threatened me to get bounce my cheque which is deposited as a security and will issue an arrest warrant and then I will compelled to pay the amount.
After harassing so much now they are unlawfully threatening to use Negotiable Instrument Act as a loan recovery weapon.
From very beginning of this issue I always co operated with the bank to resolve the matter which arise due to cheating and misleading with the bank employee and after making full payout after 3 years they are again threatening over phones and eager to come to our house.
I am requesting your good self to please look into the matter and help me out from this bad situation.

Thanking You

Your’s faithfully