[Resolved]  J&k Bank — freezing of account without information & abuse by manager

Address:

Srinagar, Jammu and Kashmir

Sub: Misbehavior of Mr. Farhat Abass, Manager J&K Bank, Nandipora Hazaratbal,
(Opposite Kashmir University) Srinagar.
Sir,
With due respect, I wish to say that my salary account bearing A/c No. SB 780 in J&K Bank, Baba gulam shah Badshah university, Rajouri has been liened in December, 2012 without any prior notice by J&K Bank, Nandpora Hazaratbal, Srinagar because of the reason I stand guarantor of Mr. Nissar Ali in 2002 for a CC Account 504. I discussing the matter with Manager J&K Bank Nandpora Hazaratbal, Srinagar namely Mr. Farhat Abass, . He ensured that, when the account will be under limit borrower will be allowed to regulate the account and simultaneously your account will be unliened. Meanwhile borrower has paid Rs. 30,000/ to make the account under limit and requested Mr. Farhat Abass to allow him to regulate his CC account .But Mr. Farhat Abass denied his commitment which makes borrower unable to regulate his account.instead of this Mr Farhat Abass warned the borrower to liquidate all of the amount (1.5 Lac) immediately in the month of January, 2013.
It is pertinent to mention that, there was the serious incident to the borrower as his mother was in Comma and admitted in SKIMS, Srinagar. After a long illness she expired on 24th of January 2013. On the same day Manager, Farhat Abass lined my account again without any notice despite I had already given my Phone No. to the same Manager for communication but he did not communicate to me. At that time I was on deputation to Jammu University where I visited ATM for withdrawal of money and found my account leined.I immediately called Manager Farhat Abass and requested him to please unliened my account till my deputation is over. I repeatedly requested that I do not have a single rupee in my pocket but he denied my request harshly. I requested him that there is a serious incident with the borrower as his mother expired to which he replied that I have nothing to do with her death and said let her go to hell, to which I replied that since you are a responsible person and should not say like this. After that he crossed all the limits and used un-parliamentary language and abused me.
When he abused and talked rude it hurted deep down my soul and he even didn’t stopped from calling me a beggar. Being a borrower is not a crime and being a guarantor of a poor is not a sin. It is routine, borrowing money from bank. I have a good image of J&K bank as the institution had always helped me in hard times and I have been borrower of the Bank for three times. Two of my loans I have liquidated within one year and currently I still stand as borrowers of J&K Bank but I have never been a defaulter. Sir the growth of bank is not only because of the good business but also due to the customer friendly and gentle attitude of Officers & other employees but person like Mr. Farhat Abass can ruin the image of Bank as he is not capable of public dealing, He also forcing me go to court of law to un lien my account. Before this incident you might have received complaints for ill attitude of Mr Farhat Abbas.. I have never heard that officials of your institution abuse a guarantor or a borrower not at least in such circumstances.
As I am an employee of the University taking 36,000 rupees net salary out of which 10,000 is my installment of Loan in J&K Bank. The rest of 26,000 I have to serve my family as my mother is diabetic & phyceatric patient but this month I could not purchase medicine for her it put me in mental trouble. Due to financial stress I am not able to prepare my classes well and it affecting my efficiency.
You are requested to forward my application to un-lien my account and also take a stern action against Mr. Farhat Abass. I also request your good self to farwad my request to chairman to nominate any other efficient officer for negotiation and decision may be communicated to the below given email-id and Phone No. Till the negotiation is over, I may be allowed to withdraw salary from my account.

Thanking you
Yours faithfully

Mir Aijaz Ahmed,
Assistant Professor
Department of Civil Engg.
COET, BGSB University,
Rajouri J&K – 185131
Email: [protected]@gmail.com
Ph: [protected], [protected]