[Resolved]  Vijaya Bank — irresponsibility, harassment and delaying in approval

Address:

Delhi

sir,

This is to kindly informed you that i Gaurav Chopra was your old and satisfied
customer but due to irresponsiblty from home loan deppt. i am not satisfied from your
home loan process i, applied at your
bank via vigyan vihar branch for home loan on dated 26.7.2011 after a
provisional sanction memo on same date i submitted my all documets at
vigyan vihar branch including property chain. after a long process of
legal, valuation and daily tie-ups by my side at your branch i got
some deviations from RACPC BRANCH, delhi. on dated 25/11/2011 in that
process the bank taken only 4 months. (deviation copy is attached) in
that mail from racpc they objected on legal part of my property papers
they required how the property comes to M/S. MAHALAXMI FIN. CO. LTD.
after submission of my supportive documents my legal get clear and
also they required:
1. ITR[protected]
2. My existing four wheeler loan
3. Estimate for costruction of plot and its layout.
in that process i taken around 10 dayz and after submission of
documents they said it will take some dayz for approval on dated
[protected] i visit to racpc branch coz my registry date was[protected]
they people said our housing loan mela is happening in gurgaon so that
you have to wait for more dayz coz even we dont have a time to sit in
branch after joining office we will give you approval they was not
rejecting my proposal and not approving it was was stucked on date
time coz this is the only bank i applied for a home loan. after
gurgaon mela i again visited to racpc branch they said mr. sharma is
not here come on tommorrow to meet him. in next day on dated 30 dec
2011 Mr. Sharma said your plot is residential cum commercial plot so
that we will have to taken its approval from head office. till then
you have to certified its estimation and drawing plan of construction
through our valuer again i given a certification fees to your pannel
evaluer. on dated 3-jan-2012 they said the mail has been sent to ho.
it will revert you back whenver we got any info. bt now till date i
dont have any final decision whether my loan is sanctioned or not.
i am very much dissatisfied by this slow process of work. they are
working same as a govt. offices. i have some issues regarding the
same also
1. why they was asking on 30 dec 2011 that property is residential cum
commercial whether my all property papers was already submitted before
[protected] when they said me for legal clarification and estimation if
the property was resi cum com. then they should tell me that on that
time. in that long time i spend lots of money to your panel evaluer,
legal advocates, foreclosure of my existing loan,
2.why its necessery for certification by panel evaluer before taking
approval of head office. i spend a certification fees also
3. why its required estimation and drawing layout of property i spend
10000rs for these estimation and drawing plan. if the property was
not in there rules it should nt be sanctioned
4. as per last line of scanned copy attached if the legal issue was
clear and property paper was clear then they applied for due
dilligence why it was done. if there was any isssues like resi. cum
commercial property.

sir, i request you to make ur attention on the same. or if they are
not able to give me senctioned who will bear my expenses in terms of
legal, valuation, certification fees, estimation fees. and apart from
that harrasment and delaying and wasting of my time.... if my each and
every part legal, valuation, cibil, my track record with banks,
property chain is clear then why they are issuing on resi. cum
commrcial. plot.plz approved my sanctioned loan asap.
Thanks and Regards
Gaurav Chopra
[protected]
saving a/c no. [protected]
Current a/c no. [protected]

COPY TO BANKING OMBUDSMAN