To
The Area Manager
LIC Housing Finance Limited
35 / 1&2, Amudhasree Flats
Reynolds Road
TIRUCHIRAPPALLI – 620001
Sir,
Sub: My Housing Loan A/c. 25012909, Appl.No.309536 – Grievance regarding ECS
Arrangement – Complaint - reg.
I am writing this letter after having tried to represent my case to your staff on many occasions and getting frustrated due to their unsympathetic, uncaring and unhelpful attitude.
Sir, I have been making regular remittances (EMI) towards the above housing loan for the past many years through ECS arrangement with Punjab National Bank. Recently, since I have joined the Bharathidasan University as Professor of Social Work and because my salary account is with the State Bank of India (BDU Branch - SB A/c No: [protected]), I wanted to change my ECS arrangement from PNB to SBI. In this regard, I gave my fresh ECS Mandate Form duly signed by me and the officer concerned at the SBI (BDU Branch) to your staff (a young lady who takes care of all matters relating to ECS payments and IT Certificates), as early as 20th November 2009. but, on 25th Jan 2010, I was shocked to receive a letter from your office informing me that my payment had been dishonoured (in an open letter which can be read by anyone in a rather degrading manner). As soon as I got that letter, I came to your office and met the lady staff in-charge of ECS and pleaded with her to set things right with regard to my ECS arrangement. She said she will see what can be done but never did anything. She also promised to call me and appraise me regarding the actual problem concerning the ECS arrangement which she has not done till date. In the mean time, again, yesterday, I was shocked to receive another open letter dated 02/02/2010 mentioning that there is non-payment of dues under my Loan.
Sir, I wish to inform you that I submitted ECS Mandate Forms to your office and the BSNL office on the same day (20/11/2009). The BSNL bills are being cleared through ECS without any confusion or problem but only with the LIC, I am facing unnecessary problems, mental agony and stress.
Sir, I am extremely busy person occupying a very responsible position as Professor & Head, Department of Social Work at the Bharathidasan University, Tiruchirappalli-23. I travel a lot both within the country and even overseas and hence, I am always hard pressed for time. I can not be running up and down to your office to beg your staff who are very indifferent and totally unhelpful. It is very unfortunate to see how staff of a government organization such as LIC can cause so much of mental stress, agony and problems even to highly educated and well placed individuals like me. I am just wondering how much of a mental agony they will create for uneducated or less educated folks.
Sir, I even tried to meet with you personally, but I could not. Now, I request you to take serious steps and see that my ECS arrangement with the State Bank of India is regularized.
Since, my EMI remittance has been disrupted for the past 2 months for no fault of mine, I am herewith sending you an SBI Local Cheque (No.443012) dated 05/02/2010 for Rs.8448/- (Rupees Eight Thousand Four Hundred and Forty Eight Only) towards my 2 months’ EMI amount. Kindly acknowledge receipt of the EMI remittance and set right my ECS arrangement.
I am also sending a copy of this letter to the State Bank of India authorities for necessary action and initiatives to rectify things, if at all there are any, on their part.
I request you Sir, to kindly help me by intervening and taking further action against erring staff of concerned departments, sections or whatever.
Thanking you,
Yours truly,
(P.ILANGO)
Encl : SBI Local Cheque (No.443012) dated 5th Feb 2010 for Rs.8448/-
Copy to:
1. The General Manager, LIC Housing Finance Corporation of India
2. The Zonal Manager, State Bank of India
3. The Branch Manager, State Bank of India (Bharathidasan University Branch) Tiruchirappalli-24
4. Consumer Redressal Forum
Aug 13, 2020
Complaint marked as Resolved ![Life Insurance Corporation of India [LIC] Logo](/thumb.php?bname=1&src=life-insurance-corporation-of-india-lic.jpg&wmax=280&hmax=280&quality=90&nocrop=1 "Life Insurance Corporation of India [LIC] Logo")
My Future Plus policy bearing no.[protected] has vested on[protected]. I have received intimation letter on[protected], having ref no. 73H/AnnuityOption/ULIP-IPP dated[protected] by post, for purchase of pension. Please note that the intimation letter was posted by LIC, Nampally, Hyderabad office on[protected]. I have approached the local BHEL Branch office earlier, for surrendering the policy, but this was not taken saying that there is no specific information on Future Plus Policy, available with them and I have to come only after Vesting date, i.e.[protected].
In the absence of information, I have approached the concerned official at BHEL branch office for taking the total payment of Policy on Maturity on[protected] and[protected]. But, I was informed that total maturity amount can’t be taken, as the vesting date[protected] has already crossed.
As I was not guided/ intimated that this policy is to be submitted before[protected], either by Local BHEL branch or by the Nampally- Hyderabad office, I could not submit the Policy for claiming total amount in time. Further, I have received the intimation letter for purchase of pension only on[protected].
So, I request you to kindly consider my case for claiming total Maturity amount, without opting for purchase of pension, as I am in dire necessity of funds for purchase of Flat.
Regards,
V. Lakshmi
12-82/1, Huda Colony,
Chandanagar,
Hyderabad 502032