[Resolved]  LIC Housing Finance Ltd — Outstanding EMI & Name in CIBIL

Address:

Raigad, Maharashtra

I Rajesh Pingale, your account holder, taken Housing Loan from your Vashi, Navi Mumbai Branch. Details as under:
Name : Rajesh Vasant Pingale
Address : Flat No: 8, Vaibhav Nagari-3, Katrang Road, Khopoli,
Dist – Raigad 410 202, Maharashtra
Mobile No : [protected], [protected]
Email : [protected]@rediffmail.com
Loan A/c No - 1 : A/c No - [protected] EMI Rs 2815/- (Loan Amt-3.00 Lacs)
Loan A/c No - 2 : A/c No - [protected] EMI Rs 1013/- (Loan Amt-1.00 Lacs)


I am one of your sincere account holder & regularly paying my EMI since 2004. Even though my Ledger a/c in yours books shows huge amount as outstanding since long back.

Even Bank also published my name in CIBIL list without any default from my side. CIBIL report shows outstanding of one EMI of period 2008, which i have already deposited in Punjab National Bank in Cash.

Since last 2 to 3 years i am in regular touch with your Vashi Branch to update my a/c but nobody taken it seriously. During this period i have communicated with Sayra Madam, Vaishali Madam, Jeena Madam & lastly with one Madam (Name not remember) to solve the matter as early as possible.

This problem starts since June-2008. In the month of June-2008 i have deposited my both EMI i.e. 2815/- & 1013/- in Cash at PNB – Khopoli Branch. After two or three month i noticed that Bank wrongly credited my A/c twicely by Rs 2815/- instead of Rs 2815/- & 1013/-. I informed the same to your Vashi Branch for correction of the same. But the Bank only reversed the one entry of 2815/- which was double credit to my a/c & never passed another entry for Rs 1013/- which was already deposited by me.

I this regard, i have submitted acknowledgement copy of Challan twicely to your Vashi Office for update the same. But still the matter is pending saying that it’s under discussion with your corporate office.

As per me, there is no any EMI is outstanding from my side except EMI for current month i.e. July-2011.

After discontinuation of Cash Challan by your branch, I have personally deposited my EMI to your Vashi office through cheque payment.

For reconciliation to find out difference, i obtained statement of Account for both files for period from Apr-2008 to June-2011. I verified the statement & found that :

1. Whenever i deposit my EMI, initially they kept all amount in Suspense A/c.
2. Then Bank charge me Addl Interest & Debit the same to my A/c
3. Bank also Debited Recovery Charges to my Account
4. Then finally they adjusted or transferred this Suspense Amount to my Leger after debiting all this Addl Interest & Recovery Charges.
5. Bank also passed various entries that mixed my EMI of my both a/c. i.e. deposited for one A/c & credit given to other a/c.

I don’t know why bank has Debited Recovery Charges & Addl Interest on me. Because i personally depositing my EMI to your Vashi office on regular basis. Why nobody is serious from your side to solve the matter immediately. Only i received copy from your corporate office showing this much amount is outstanding from your side, on regular basis.

Now i request you, please look into the matter to regularise the same at the earliest. If required, i will be available any time & can show you all details that’s required to you.

Also request you please arrange to clear my name from CIBIL list. Because CIBIL list shows outstanding of one EMI, that is already paid by me in Cash to Punjab National Bank.

Please take initiative to solve my problem at the earliest.

Thanking You,

Yours Sincerely,


Rajesh Pingale