Dear Sir,
Sub: I am begging you for an immediate help.
I am writing you with regards for my housing loan with a/c no: [protected] Which was taken on 03/Dec/2007 from SBH NRI BRANCH NAMPALLY, HYDERABAD, ANDHRA PRADESH.
I am unable to re-pay the complete EMI due to my current income status. However within last 4.6 years I have managed to pay some amount towards my loan and I have informed the same to the bank. When I took this loan I was working in United Kingdom and my earning were above 2 lakhs per month and was able to re-pay my loan amount. Unfortunately I had to come to India as I have lost my job and I have informed the same to the bank.
On 19th Dec 2011 I have been contacted the bank to help me in re-scheduling the EMI amount to 25000 Rs P.M, unfortunately my request was denied by the bank. As on date I have managed to do the re-payment of approximately RS: 2000000.00 by selling most of my belongings. The sad thing is my account was at NPA and also received some letters from the bank.
On 18th may 2012 I did approached to SBH Stresses Assets Management Branch, King Koti, and SBI NRI Branch Hyderabad and requested for a final settlement and informed the bank that With help of my family, friends and by selling gold ornaments I have gathered some amount to clear the loan. I further submitted a letter on 19th May 2012 after due negotiation with SBH SARAK BRANCH I was convinced and told the bank that I will be able to pay 35 lakhs has one time settlement. But it seems that the bank was not happy with my proposal and pressurized me to pay 37 lakhs and later even this proposal was also declined.
In the mean time the bank manager of NRI Branch and the Manger of SBH Stresses Assets Management Branch have caused me enough stress and pain and threatened me and have created a false report on me saying that I have sold the house and I have agreed to pay 41 lakhs which is not at all true. I have let my house for rent which is helping me a little bit with my current situation and I don’t have 41 lakhs to re-pay. Now the bank has not agreed for any settlement and took the possession of the house and gave me 60 days of time to repay 42.80000.00 to close the loan account or they will post my house on auction.
Sir I always had the intention of clearing my loan. Due to some unexpected situations in life I am not able to meet the promised conditions of the bank but today my life is in very critical situation and I am not able to take care of my family, my wife is seeking for divorce due to my situations and my dad is a heart patient. I am begging SBH to help me and consider my proposal at 37 lakhs which is the maximum I have managed and accumulated to my best. Sir I don't want to be homeless with my parents, please relive me and my family from the painful burden and mental tension which has ruined our health and personal life.
On basis humanitarian grounds please understand my pain & pressure and request you to support us on priority or the best me and my family can do is give up our life’s in the name of your bank which will probably fulfill the banks formalities.
I beg you to help me please…
You're Sincerely,
Anil Kumar Gupta Bandhari
Phone: [protected]
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