[Resolved]  Royal Bank Of Scotland — undue penalty charge

Address:

East Delhi, Delhi

I had a loan running from ABN Amro later known as Royal Bank of Scotland.

I have paid all the 24 instalments against my loan no. [protected] till February, 2011.

Still I am receiving persistent calls from your call centre demanding payment for the late fee.

When I wrote to them, they mentioned in their mail as under:

"Please note that repayment cheques are sent for clearing on the same day, once we received the cheques and credits are applied immediately basis the advise from payer bank."

In this case connection, I am attaching herewith a statement which will show how many days the bank has taken to clear the cheques.

Please note that I am not at fault in making payment to you for any of my instalments and I cannot be held liable for the delay on the part of the bank in their collection process.

Please reverse all charges levied immediately.

Thanking you,

Tika Ram Khare
[protected]



Month Due date Paid on Paid Credited on No. of days taken by bank Penalty
to clear the cheque imposed

May, 2010 22nd May 21st May one day before 28th May 7 days 403 plus taxes
June, 10 22nd June 15th June 7 days before 24th June 9 days 470 plus taxes
July, 10 22nd July 15th July 7 days before 20th July 5 days 548 plus taxes
Aug.10 22nd Aug. 11th Aug. 11 days before 16th Aug. 5 days 638 plus taxes
Sept.10 22nd Sept. 15th Sept. 7 days before NA NA 650 plus taxes
Oct.10 22nd Oct. 15th Oct. 7 days before 21st Oct. 6 days 650 plus taxes
Nov.10 22nd Nov. 16th Nov. 6 days before 23rd Nov. 7 days 650 plus taxes
Dec.10 22nd Dec. 15th Dec. 7 days before 21st Dec. 6 days 650 plus taxes
Jan.11 22nd Jan. 17th Jan. 5 days before 19th Jan. 2 days 650 plus taxes
Feb.11 22nd Feb. 17th Feb. 5 days before 18th Feb. 1 day 650 plus taxes
5959

Please note: All the 24 instalments in my loan have been paid by me on time.
Your Bank has taken abnormally long time to clear the payments
I cannot be penalised for the fault of the Bank
If the bank would have cleared by May, 10 cheque as done in Feb. 11 case, no penalty would have accrued to me.