[Resolved]  Personal Loan — Discrepencies of EMI

2008 08 01
The Manager,
ABN Amro Bank NV,
(PERSONAL LOAN DEPARTMENT)
Hansalya, 15, Bara Khambha Road,
New Delhi.110001
Dear Sir,
RE: PERSONAL LOAN A/C NO. 9336988, customer rein number 833939, A./C MYSELF.

My captioned personal loan was raised and top up was done on 31 Aug, 2006 and at the same time I was forced to open a zero balance account number 1242932 with a clear cut understanding that I would not operate that zero balance account. I was given to understand by you that the EMIs would be taken as earlier i.e through ECS.
Later, I was informed that instead of taking EMI through ECS, you tried to collect the same through your Zero Balance account which I had not maintained, as was agreed with you. Then you agreed and took cash from me.
After that, I kept on paying cash as and when you informed me telephonically. Not a single time, I requested you to postpone the date.
Till Sept 2007, it went on like this. Then I thought it better to pay you even before you gave me a ring and, therefore, I dropped a cheque in your drop box much before the due date. But inspite of this, I got a call from you that you would not accept my cheque and would prefer to collect the cash which I immediately paid. But to my surprise, you got the cheque also collected. That way you took double the EMI from me on the same date.
When I asked you about this double payment, I was informed by you that you would send me the refund of one EMI, which I did not receive. So I requested you to adjust the excess EMI in the month of November, 2007, which you agreed.
But in November itself, I started getting telephone call in a very rude manner demanding some unspecified dues. I was harassed time and again and threatening were given to me. So, I approached you Customer Care Department and registered my complaint. I also offered that I was ready to pay the EMIs through ECS from my account in other bank
(as I was paying prior to top-up of my loan). I also offered to give balance PDCs or I was also prepared to pay you the principal amount due to that date. Your department was kind enough to allow me to pay EMIs in cash and they rang me up apologising for the incidents.
Thereafter, till date I have been paying the EMIs well jn time.
On 30th July, 2008, I again received a call at 5.50 PM from Gurgaon. The called identified herself as Ms Sanjana calling from Phone number[protected] on behalf of ABN Amro bank who again talked in a threatening voice demanding pending dues. She also threatened to settle the matter or bear the consequences. I was shocked and, therefore, told Ms Sanjana that I would report the matter to Police. She immediately disconnected the phone. I rang again on the same number twice but nobody responded.
It also came to my notice that you have shown me as a defaulter on the website too. This has given me a great shock. You have spoilt my credibility for which, I think, I should file a defamation suit against you.
Now, I request you to settle the matter once for all. I give you the following options:
1. Take the –principal balance amount due as on date.
2. Take PDCs for the balance EMIs.
3. You may take EMIs through my Andhra Bank Account, as was being done earlier.



At the same time, please close my Zero Balance account no. 1242932 with immediate effect. I am unable to maintain the same in view of income tax norms.
Please do the necessary thing and stop harassing me. If you would not agree to my proposals, I will have no alternative but to take the matter in the court of law.
Thanking you and expecting a reply at the earliest.
Yours faithfully,



(Ashok Kumar Gupta)
82-96, Pkt G-23, Sector 7,
Rohini, New Delhi 110085
Ph. [protected]