[Resolved]  PNB — Regarding Home Renovation Loan

Sir, I have complained to PNB Folling mail but till now i have not received any mail from PNB.
Please do the needful as soon as possible..

With Regards

B C Joshi
[protected], [protected]






RE: Re: Regarding Home Renovation Loan A/C No. N-D-822Monday, May 4, 2009 8:41 AM
From: "Sri Balaji Dal Sewa Samiti" <girish.[protected]@yahoo.com>Add sender to ContactsTo: "Banking OmbudsmanNew Delhi" <[protected]@rbi.org.in>Cc: [protected]@pnb.co.in

Dear Sir Madam,
Today I received a latter from PNB Govindpuram Ghaziabad Branch.

According this latter bank want from me i have to pay monthly 23000/. Rs, per month instament instead of 12000 thousand.

how the bank calculate the instament i don;t know so...

Please do the needful as soon as possible..


Thanks

B C Joshi
--- On Fri, 4/24/09, New Delhi, Banking Ombudsman <[protected]@rbi.org.in> wrote:


From: New Delhi, Banking Ombudsman <[protected]@rbi.org.in>
Subject: RE: Re: Regarding Home Renovation Loan A/C No. N-D-822
To: "Sri Balaji Dal Sewa Samiti" <girish.[protected]@yahoo.com>
Date: Friday, April 24, 2009, 10:49 AM


Dear Sir/Madam,



We acknowledge the receipt of your complaint, which shall be registered if it falls within the ambit of the Banking Ombudsman Scheme, 2006.



For further clarifications, if any, you may contact us at the following telephone numbers :





011 – 23730632

[protected]

[protected]

[protected]



Secretary






From: Sri Balaji Dal Sewa Samiti [mailto:girish.[protected]@yahoo.com]
Sent: Friday, April 24, 2009 1:26 PM
To: New Delhi, Banking Ombudsman
Subject: RE: Re: Regarding Home Renovation Loan A/C No. N-D-822

Please find attached copy...



Thanks & Regards'



B C Joshi

--- On Fri, 4/24/09, New Delhi, Banking Ombudsman <[protected]@rbi.org.in> wrote:


From: New Delhi, Banking Ombudsman <[protected]@rbi.org.in>
Subject: RE: Re: Regarding Home Renovation Loan A/C No. N-D-822
To: "Sri Balaji Dal Sewa Samiti" <girish.[protected]@yahoo.com>
Date: Friday, April 24, 2009, 5:28 AM

Pl attach copy of complaint dated 15 March 2009.



Secretary



From: Sri Balaji Dal Sewa Samiti [mailto:girish.[protected]@yahoo.com]
Sent: Thursday, April 23, 2009 8:28 PM
To: New Delhi, Banking Ombudsman
Cc: [protected]@pnb.co.in
Subject: RE: Re: Regarding Home Renovation Loan A/C No. N-D-822

Dear Sir / Madam,

Thanks for your quick response.

As you mention first I have to written complained to Bank, if bank reject my latter then i have to write the mail.

Yes its right way to do. but as i have done the text RED the below line, where i have already mention that thing.



On 15th March i have done written complained to bank, but till now bank does responding me thatwhy i write this mail to you.



So please do the needful AS SOON AS POSSIBLE...





Thanks & Regards'

B C Joshi



--- On Thu, 4/23/09, New Delhi, Banking Ombudsman <[protected]@rbi.org.in> wrote:


From: New Delhi, Banking Ombudsman <[protected]@rbi.org.in>
Subject: RE: Re: Regarding Home Renovation Loan A/C No. N-D-822
To: "Sri Balaji Dal Sewa Samiti" <girish.[protected]@yahoo.com>
Cc: "[protected]@pnb.co.in" <[protected]@pnb.co..in>
Date: Thursday, April 23, 2009, 8:46 AM

Dear Sir/Madam,



With reference to your complaint, we advise that in terms of clause 9(3)(a) of the Banking Ombudsman Scheme - 2006, the complainant is first required to make a written representation to the Bank against which the complaint is made. In case of the Bank rejecting the complaint or the complainant not getting any reply within one month or the reply received being not satisfactory, he/she may make his/her complaint to the Banking Ombudsman. You are, therefore, advised to write to the Bank first. You may if necessary lodge your complaint with us as per the format on our website (www.bankingombudsman.rbi.org.in) either on the format itself or otherwise alongwith your detailed postal address and telephone/mobile numbers, in case your grievance is not redressed by the Bank within the aforesaid stipulated period of one month. We shall register the complaint only after you approach us thereafter.





Secretary








From: Sri Balaji Dal Sewa Samiti [mailto:girish.[protected]@yahoo.com]
Sent: Thursday, April 23, 2009 2:14 PM
To: New Delhi, Banking Ombudsman
Cc: [protected]@pnb.co.in
Subject: Fw: Re: Regarding Home Renovation Loan A/C No. N-D-822


Dear Sir,

As my below mail PNB does not give me any response according my mail.



Please request you do the needful as soon as possible.



With Regards



B C Joshi

[protected]






--- On Mon, 4/20/09, Sri Balaji Dal Sewa Samiti <girish.[protected]@yahoo.com> wrote:


From: Sri Balaji Dal Sewa Samiti <girish.[protected]@yahoo.com>
Subject: Re: Regarding Home Renovation Loan A/C No. N-D-822
To: [protected]@pnb.co.in, [protected]@pnb.co.in, [protected]@pnb.co.in
Cc: girish.[protected]@yahoo.com, [protected]@pnb.co.in
Date: Monday, April 20, 2009, 5:41 AM

AGAIN FORWARDING YOU...



RDS



B C Joshi

--- On Sun, 4/19/09, Sri Balaji Dal Sewa Samiti <girish.[protected]@yahoo.com> wrote:


From: Sri Balaji Dal Sewa Samiti <girish.[protected]@yahoo.com>
Subject: Regarding Home Renovation Loan A/C No. N-D-822
To: [protected]@pnb.co.in, [protected]@pnb.co.in
Cc: girish.[protected]@yahoo.com, [protected]@pnb.co.in
Date: Sunday, April 19, 2009, 10:22 AM

Date :[protected]



To,

Punjab National Bank Customer Support Departments

Ghaziabad – U.P



Sub: Regarding Home Renovation Loan A/C No. N-D-822



Respected SirMadam,



This is to inform you that I have taken Home Renovation Loan Amount of Rs. 600000 (Six Lac) from your bank on 14th February 2006.



In this regards before taking this loan I have talk to Mr. Rajendra Pal, Manager PNB Govindpuram, Ghaziabad –U..P. Mr. Pal offer me you can take home renovation loan of the amount of Rs. 600000 (Six Lac), from our bank, but you some fulfil some formalities.



Following are the documents I have submitted to PNB:



Original paper of my house (Registry& Allotment Latter)
Photo Id Proof
PAN
ITR Last two years
ECS Form with signature
Two cheque amount of 80, 000 (No.473582 & 473583) – 40, 000 each.
Cash of 20, 000... (Stamp Duty)


Mr. Pal told me that we will transfer Rs. 600000 (Six lac) in your account but first you have to deposit us two cheques of 40, 000 & 20, 000 in cash. This amount will adjust in your future instalments.



After that I have given the following cheque to Mr. Pal.



After that bank transfer to Rs. 600000 (Six Lac) in my account, and bank never send me any loan schedule.



Mr. Pal promised me my loan will be done at 12% Rate of Interest, but this loan running in 13% apporx.



My First EMI cut from my account was 12000/. Date of[protected]. After that monthly emi 12000/. Cutting from my account throughout two year till[protected].



After that I have getting some financial crises, I have lost my job...



Due to financial crises I have not able to continue my emi in the same amount.



After that I have not deposit my 3 EMI due to financial crises.



After that bank send me a latter regarding my EMI increasing latter now my EMI is 14820 monthly, which is earlier EMI was 12000 Monthly. To see this latter I am totally shocked.



I was go to PNB & talk to Branch Manager regarding my problem; Branch manager told me we can’t help you. I have again request him please consider my case and given me some easy emi option. Branch manager totally ignore me to resolve my problem & told me you have to sell-out your house & pay to bank. After that I have told him regarding my 2 cheque of 40.000 & 20, 000 cash. He has not given me any response for those cheques & Cash 20000/. & totally refuse me.





Now I am fully depressed PNB not responding me according my situation.





In this regards I have send a latter to PNB by post but bank does not given me any response.



After that I am sending this mail to PNB.





I have some question regarding this loan I am not able to continue this loan in the same EMI.

Can PNB given me easy payment option

or adjust from my two cheque amount of 40, 000 each. & 20000 Cash taken by Mr. Pal.





Please do the needful & given me some positive response





Waiting for your positive response







Thanks & Regards



Bhuwan Chandra Joshi & Champa Joshi

C-327, Brij Vihar

Ghaziabad- U.P

Moble : [protected], [protected]