IDBI Bank — cancellation of balance transfer of home loan & top up loan

Address:

700074

Sir,

Reference made to my/our previous complain

Web/[protected], dated 25/11/2017 of debashis sarkar

. Web/[protected], dated 25/11/2017 of sikha mandal

And web/[protected] dated 30/11/2017.

We know this mail will not change any difference of status

Of our home loan balance transfer still it is our duty

To inform how a genuine customer harrased by your bank.

Earlier our complain were against a tout/dalal., in which

Mr. Rajarshi mukherjee, manager rac (Loan), 6, royd street,

Kolkata-700016 was looking after.

He called me in his bank to solve my complain. He had advised

Me to cancell the lap and transfer our hdfc home loan

As a bt to idbi bank, and apply for top-up.

We have done the same. And provide all necessary document

As per requirement. Even we have submitted the ""list of

Document (Lod)""from hdfc ltd which cost rs. 590/-.

Me, the co-applicant, debashis sarkar is a physically handicap

Man, as well as ex-service man.

From 1st week of december to till date, i have gone to idbi

Bank, royd street, kolkata -700016 branch, at least 20 times

To supply all necessary documents.

The property, situated in 6/16 chittaranjan coloney, kolkata

-700032, jadavpur was inspected twice, my residential

Home, situated in 264/2 dr. M. N. Saha road, kolkata -700074,

Dumdum was inspected, the school situated n-96, paharpur

Road, gardenreach, kolkata -700024 where, sikha mandal the

Applicant is employed was inspected twice.

All legal and technical verification was satisfied.

We got sanction letter for application no. — hl[protected],

For top up loan and application no - hl[protected] for

Home loan balance transfer on 15/01/2018.

For final disbursement we have submitted, 13 signed blank

Cheque of boi, gardenreach,, pre-closure certificate

From bajaj finance ltd where sikha mandal's personal

Loan is running,, pre-closure certificate from hdfc ltd, salt

Lake branch kolkata for closure of existing home loan,

Pre-closure certificate ofpersonal loan of co-applicant

Mr. Debashis sarkar. And some signed 100 page different form

Of idbi bank


But before final disbursement, following legal documents

Were asked from us —

(1) gift deed dated 14/12/1988 between governor of the state

Of west bengal and rajiban ghosal, usha rani ghosal being no

4041.

(2) release deed executed by pratima ghosh, milan rani

Chakraborty.

(3) porcha.

(4) link deed of seller from whom we purchased the flat.
—

1st of all, this land is not purchase land. Refugees hold

Their captured land, and later on government given

Patta for this type of land. This land does not have khatian

No. & porcha.

The mother deed may be with the builder b. D. Construction.

Who was the builder of the" usha apartment "building.

However the document possess my me are as follows —
—

(1) deed of conveyance between sri samarendra ghosal,

Shri animesh ghosal, shri anupam ghosal, all 3 are son of

Late ramjiban ghosal,""the land owners"", m/s b. D.

Constuction, propiter arup bhadra"""the builder""and shri

Samir saha and smt srilekha saha"""the purcheser"" dated

24/06/2003.

(2) completion certificate issued by k. M. C dated 24/12/2002.

(3) possession letter issued by m/s b. D construction to

Smt srilekha saha & mr. Samir saha on 07/10/2002.

(4) mutation certificate issued to samir saha & srilekha saha

By k. M. C, dated 02/07/2008.

(5) building sanction plan no. 33/[protected] & c/2000/10496

Dated 30.4.2001, issued by building division, k. M c..

We could not provide the above all documents, thus the legal

Authority of your bank, cancel the sanctioned loan.

=

Now our querry is —

It is not fresh home loan by idbi bank. It is only a home loan

Balance transfer from hdfc ltd to idbi bank, & we have

Submitted the list of document from hdfc ltd, still why we

Have to fulfill so many legal document asked by your legal

Division??

What ever the rule mat say, if these much legal verification

Was pending, why our bt application was sanctioned??

All legal and technical verification may be satisfied, then

The sanction may be given.

Because of whimsical attitude by your legal division, we have

Harrased a lot which was not suppose to be.

I know what will be the faith of this long mail.

After your qurrey to idbi bank, royd street, kolkata,

They will simply tell, if legal division is not satisfied, what can

We do??? Etc etc.

We have wasted 2 months behind our loan.

One more thing, i am a builder/promoter. After this loan, i was

Going to tie up with idbi bank for project approval and

My clients home loan, i already talked to mr. Rajashree

Mukherjee regarding this.

Now how can, i keep my faith to idbi bank???

Hope you will make justice

Yours faithfully

Sikha mandal & debashis sarkar

264/2 dr. M. N. Saha road, kolkata - 700074.

Tele - [protected]..