HDB Financial Services — Discrepancy for Personal Loan or Rajiv Singh - Loan A/c No- 1746059

Address:

Mumbai City, Maharashtra, 400011

Hello Team,
I wrote to you exercising my common law first right of appropriation in respect of my balance transfer cheque payment in order to maintain my other account, Instead of accepting this appropriation, your team refused to abide by my common law rights .
The bank has instead appropriated my balance transfer cheque payment and decided to downsize the loan account and send me closing letter, I am aware of the banking code which require to behave sympathetically, Please consider this letter a formal complaint under your complaints handling scheme set up under consumer credit act, I request acknowledgement of this mail in a reasonable time frame, with a copy of your companies complaint procedure.

Thanking You

Rajiv singh - [protected]

On Friday, 17 March 2017 10:40 AM, Rajiv Singh wrote:

3/17/2017

Dear All.
This has reference to the previous mails sent to you by the undersigned and subsequent domestic enquiry asked by me, We had requested to conduct on the charges o[censored]naccounted money asked for loan approval & other issues of cheque kept on hold, We request the enquiry officer to submit complete detailed report since he has taken long long time to contact us, We will carefully examine the report and proceed further, In view of the gravity of the misconducts, In case no reply is received within the stipulated time of 3 days, it will be presumed that you have no explanation to submit and will be proceeded further.

Rajiv singh- [protected]

On Friday, 10 March 2017 5:18 PM, Rajiv Singh wrote:

3/10/2017

Dear All,
I am writing again & again, who have raised a number of concerns over mail, Pls refer my mails about your recent team behaviors towards me, I hope your understand my situation and I look forward to your support on this issue.

Kindly refer all trailing mails for details clarifications or Please do not hesitate to contact myself.

Rajiv singh - [protected]

On Thursday, 9 March 2017 6:05 PM, Rajiv Singh wrote:

Dear All,
RE: Complaint against poor /worst service ever.
I am a loyal patron of your Bank /Financial Services, The Andheri Branch Office Ms.Kripa & Mr. Arjun Thakur was most inefficient. It had raised my complaint on 28th February 2017, I am utmost upset at the followup and still await your call from management / senior management, I require assistance on urgent basis for this event, as stuck and endup paying both bank EMI simultaneously, As requested earlier to release my balance transfer cheque of Fullerton India Financial Services.
I hope that you will look into the matter.
Yours sincerely,
Rajiv singh

On Tuesday, 7 March 2017 6:41 PM, Customer Support wrote:

Dear Valuable Customer,

Greetings from HDB Financial Services. Thank you for writing to us.

With reference to your email addressed to our senior management, we would like to inform you that the same is forwarded to the concerned unit for necessary review and action.

Please note that our official from branch will get in touch with you in this regard in 7 working days. We appreciate your patience and co-operation in the interim.

Thank you for choosing HDB Financial Services Ltd for your loan requirements. Looking forward for your continuous patronage to help us serve you better.

Best Regards
HDB Financial Services Ltd
Customer Support Team
Important: Please do not change the subject line when you respond to this mail

On[protected]:26, Rajiv Singh wrote:
3/6/2017
Hello,
Thank you for your response for assessment and assurance that branch officials will get in touch with in 4 Working days, Pls let us know that what is 4 working days, As per commitment we are on 6th and no communication received from your bank officials.
Further requested to reply ASAP .

Rajiv singh

On Monday, 6 March 2017 4:14 PM, Rajiv Singh wrote:

3/6/2017

Dear All,
I have now received your reply on 2nd March 2017 a letter stating the loan amount have been downsize to Rs.4, 89, 431/-
Here the letter shows as per discussion had with branch officials - Let me remind you there were no discussion happened with any of the branch officials for downsize the loan amount .

Pls send me a detailed breakdown showing how you arrive at the figure of Rs.4, 89, 431, This is pure negligence from the bank officials and will not be tolerated such type of nuisance from Ms. Kripa Shukla & Mr. Arun Thakur.

I look forward to your early reply.

Rajiv singh

On Saturday, 4 March 2017 5:34 PM, Rajiv Singh wrote:

3/4/2017

Dear Team,
I wish to bring to your notice that still I am being harassed mentally and asking for paying emi from the credit control department details mentioned earlier.
When I refused & requested to call bank for detail discussion no response and initiative taken from the department, I am threatened with the behavior and that leaves me no option to register FIR for Extortion, Harassment, Mental torture, Misbehavior and many more under IPC against Bank & Credit control department.
I was silent about these incidents for last month since, I request you to treat this as a compliant against the credit control department as mentioned earlier specially Ms. Janki Singh & Credit Control Manager-for harassment and take suitable action at the earliest.
Further request to Issue my balance transfer cheque ASAP and details of your harassment department . Hope this is in line
Note : No support received from bank - Ms. Kripa Shukla & Arun Thakur.
Rajiv singh- [protected]

On Friday, 3 March 2017 4:55 PM, Rajiv Singh wrote:

Dear All,
We thank you for mail, I am writing on behalf of my earlier mail and have expressed concern over the problems, I have had in receiving my balance transfer check, Of course I had delayed my last month emi and Further paid on 03/03/2017 of Rs. 18310/- with all bounce charges -receipt no- 3109714, Collector Name - Sunil S Surve, Agency- HDB31995, Branch Name -MDS.
I appreciate the policy to hold the cheque until and unless the payment Clearance, I would feel better if bank would be a little more considerate and release for my balance transfer cheque.
Further request for root analysis for the premium asked of Rs. 20, 000/- from me for approval of my loan and finally I personally request to trace the address of credit control team from whom threatening calls I had received for further legal action.

Concerned Person- Janki Singh and Credit Control Manager- Harish Karekar
Contact[protected] /[protected].

We appreciate your efforts to help . Thanks.

Rajiv singh

On Tuesday, 28 February 2017 7:21 PM, GRO – HDBFS wrote:

Dear Valuable Customer,

Greetings from HDB Financial Services. Thank you for writing to us.

We are in receipt of your email and the same is forwarded to the concerned team for necessary review and action.

Our official from branch will get in touch with you in this regard in 4 working days.

We appreciate your patience and co-operation in the interim.

Thank you for choosing HDB Financial Services Ltd for your loan requirements. Looking forward for your continuous patronage to help us serve you better.

Best Regards
HDB Financial Services Ltd
Customer Support Team
Important: Please do not change the subject line when you respond to this mail

Rajiv Singh wrote:
To,
Mr. Harish Kumar K,
HDB Financial Services Limited
New No: 128/4F Old No: Door No: 53 A,
4th Floor Greams Road, M. N. Office Complex,
Chennai - 600006
Tel[protected]
[protected]@hdbfs.com

2/28/2017

Dear Sir,
I Mr.Rajiv Singh have taken a balance transfer loan of Rs. 5, 50, 000/- Loan A/c no[protected] As per Attached file. I have been paying EMI on time for the last 5 months .Please check the amount disbursed favoring M/s Fullerton India Credit Company Ltd- Rs.489431/- & Other Cheque Favoring Rajiv Singh- Rs.50341/- .
The Prime reason for two cheque disbursement was Rs 20000/- commission asked by the hdb financial services - Pls check bank statement.
Mr.Mahesh Gavar, Employee Code- HDB10474 & Ms.Kripa Shukla .

Phase - 2
In continuation to the above details, Pls find that my 6th emi amount got bounced and was unable to manage funds, the reason was dispute for the final closing amount of Fullerton, Later in same month I had requested to issue fresh check as the old check was not valid for submission - details attached. When we got updated about new check ready lying with Mr. Mahesh Gavar and after requesting for new cheque, I was told to clear the bounced emi first, I Pleaded several times to issue new cheque but no action take to resolve the issue, Simultaneously I was getting threatening calls from recovery repartment and multiple calls in a day as I feel it is extortion under IPC. This is just a harassment for unwanted reason being deficiency in service. We request for look in this matter and I have the right intention to repay your debits.

Details[protected]/[protected]Tata Indicom ) Registered in Name of Toyota Finance.
Ms. Janki Singh / Team Manager- Harish Harekar.

Phase - 3
In continuation to the above details . Today I was called in Andheri Office, We met Ms.Kripa Shukla & Mr.Arun Thakkur the minutes of the meeting as per details listed below.
Point 1- Discussion happened for closing the hdb loan.
Point 2- No reason found for holding the cheque.
Point 3- Discussion happened that I can file a suit against recovery agency for harassment and abusive language used for due EMI
Point 4- No solution provided for further continuation of Loan
Point 5- Finally proposal given to close the HDB Loan.

Sill threatening call receiving from recovery department, Pls let us know the concerned person and will get in touch with the banking ombudsman.

Thanks

Rajiv singh