IDBI Bank — illegal property inspection charges by idbi

Address:

Thane, Maharashtra, 400601

Idbi bank has been cheating all its home loan customers by charging property inspection charges illegally by force. Nobody visited my property for any inspection nor why should i pay for inspection charges when it is not mandated by me. It is bank's requirement and why should the customer pay for it.
I have been charged property inspection charges by idbi home loan department in my idbi savings account which i use to pay my home loan emis.
I have been charged multiple times on my account:
Hl property inspection charges 30th december 2017 rs. 600
Hl property inspection charges 31st december 2017 rs. 1180
Apart from these charges, gst of rs54, rs54, rs 106 and rs 106 respectively has been debited from the account.

I have been following up on the illegal property inspection charges levied on my account. Please look at the below email traill that i have been following up since the past 4-5 months.

Hi,
Can you stop sending me standard reply saying it has been forwarded to higher authorities? I want the refund of all the property charges levied on my account asap.
Following are the charges levied on my account (A/c no.: xxxxxxxxxxxxxxxx):
Hl property inspection charges 30th december 2017 rs. 600
Hl property inspection charges 31st december 2017 rs. 1180
Apart from these charges, gst of rs54, rs54, rs 106 and rs 106 respectively has been debited from the account.
When i visited your branch in september 2018 you told me that as per the new policy of idbi bank you will be charging every account with property inspection charges every 3 years.
Nobody visited my property for any inspection and if you are inspecting the property for your own documentation, why are you charging the customer for the same? We never asked for it.
We will not let you cheat the customers like this. I want the refund of all the property charges levied on my account in december 2017 as soon as possible.
I will be forced to forward my case to consumer court and banking ombusman, if all the illegal property inspection charges (600+1180+54+54+106+106) totaling rs 2100, are not refunded/reversed back into my savings account, within one week of the receipt of this email.
Also, find attached my bank statement showing the hl inspection charges.

Regards,
Janish kumar
[protected]

From: suma s warik
Sent: tuesday, february 5, 2019 11:34 am
To: k v, janish kumar
Cc: anita kahar ; 'sai chinam' ; 'biju varghese' ; 'jagadish gullapally'
Subject: re: home loan property charges levied multiple times... Xxxxxxxxxxxxxxxx

Dear sir,

We from thane rac has processed your application and it has forwarded to higher authorities. After the due approval you will get the reversal.

Regards,

Suma.

From: k v, janish kumar
Sent: tuesday, february 05, 2019 11:06 am
To: suma s warik
Cc: anita kahar ; 'sai chinam' ; 'biju varghese' ; 'jagadish gullapally'
Subject: re: home loan property charges levied multiple times... Xxxxxxxxxxxxxxxx

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Can you let me know the below status? Its been 9 days still no refund issued.

From: suma s warik
Sent: monday, january 28, 2019 4:14 pm
To: k v, janish kumar
Cc: anita kahar ; 'sai chinam' ; 'biju varghese' ; 'jagadish gullapally'
Subject: home loan property charges levied multiple times... Xxxxxxxxxxxxxxxx

Dear sir,
Sure we will ensure that excess charged property inspection charges will be refunded to you shortly.
For any reversal we need to take approval from appropriate authorities even though the reason being technical.
Regards,
Suma
Suma s warik
Manager
Thane rac - operations
[protected]

From: k v, janish kumar
Sent: monday, january 28, 2019 3:53 pm
To: suma s warik
Cc: anita kahar ; 'sai chinam' ; [protected]@idbi.co.in ; [protected]@idbi.co.in ; confonet. [protected]@nic.in ; [protected]@nic.in
Subject: re: home loan property charges levied multiple times... Xxxxxxxxxxxxxxxx

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Please be extra vigilant before you click on a link, open attachments or reply.
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Hi suma,

This is not acceptable at all. You have already taken a lot of time in this issue. I had first visited your bank personally in september 2018 wherein you had clearly stated to me that this is erroneous debit and that it will be corrected on written complaint to which i sent an email on 8th october 2018, detailing the multiple charges in my account.
Since then, i had sent multiple follow up emails and now you are again saying that it will take time as you have to take permission from higher authorities.
When you yourself have said in the email below that the charges will be refunded as it was due to technical error, then why you are taking time on it.
I will have to report this matter to consumer court then and would also like to claim interest on the amount debited (Which is bank’s fault) from the debit date i. E. 31st december 2017.

If a customer is charged interest or late payment fee on delay of emis, then why customers cannot claim interest on amount debited by the bank.

I would like to have the refund as soon as possible.

Regards,

Janish kumar
9820xxxxxx

From: suma s warik
Sent: monday, january 28, 2019 1:07 pm
To: k v, janish kumar
Cc: anita kahar ; 'sai chinam'
Subject: home loan property charges levied multiple times... Xxxxxxxxxxxxxxxx

Dear sir,

We have taken a note of that system has debited rs.1180 + gst got debited on 31.12.2017 and rs.600 + gst got debited on 30.12.2017.

We will sure revert with positive revert with regard to refund of excess / multiple times property inspection charges levied erroneously due to technical issue. However it will take some time as we need to take consent from the higher authorities.

Regards,

Suma

Suma s warik
Manager
Thane rac - operations
[protected]

From: anita kahar
Sent: monday, january 28, 2019 12:26 pm
To: ss. [protected]@idbi.co.in
Cc: 'pankaj sharma' ; vijay. [protected]@idbi.co.in ; [protected]@idbi.co.in
Subject: re: home loan property charges levied multiple times... Xxxxxxxxxxxxxxxx

Dear sir/madam,

Request you to check and revert on priority.

सादर / regards,
अनिता कहार / anita kahar
सहायक प्रबन्धक / assistant manager
ग्राहक सेवा केंद्र / customer care centre
ईमेल / email :- kahar. [protected]@idbi.co.in
दूरभाष /desk phone :[protected]

From: anita kahar [mailto:kahar. [protected]@idbi.co.in]
Sent: wednesday, january 23, 2019 12:56 pm
To: 'vijay. [protected]@idbi.co.in'; '[protected]@idbi.co.in'
Cc: 'pankaj sharma'
Subject: fw: home loan property charges levied multiple times... Xxxxxxxxxxxxxxxx

Dear sir/madam,

Please refer the appended md & ceo case and revert.

Tran id :- 173/25200842

सादर / regards,
अनिता कहार / anita kahar
सहायक प्रबन्धक / assistant manager
ग्राहक सेवा केंद्र / customer care centre
ईमेल / email :- kahar. [protected]@idbi.co.in
दूरभाष /desk phone :[protected]

From: md & ceo - idbi bank [mailto:md. [protected]@idbi.co.in]
Sent: tuesday, january 22, 2019 6:10 pm
To: cs
Subject: fw: home loan property charges levied multiple times... Xxxxxxxxxxxxxxxx
Importance: high

From: k v, janish kumar [mailto:[protected]@]
Sent: tuesday, january 22, 2019 5:37 pm
To: suma warik
Cc: sai chinam; cmd; cvo; [protected]@nic.in.; confonet. [protected]@nic.in; [protected]@nic.in
Subject: re: home loan property charges levied multiple times... Xxxxxxxxxxxxxxxx
Importance: high

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This mail originates from outside our organisation.
Please be extra vigilant before you click on a link, open attachments or reply.
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Hi,

Its been more than 3 months since i have requested the reversal of multiple charges in my account.

Can you please look into this asap?

I had visited your premised couple of times in this regards and also sent emails many times. Why is there no action from your end and no reply?

Regards,
Janish kumar
9820xxxxxx

From: suma s warik
Sent: friday, november 2, 2018 11:37 am
To: k v, janish kumar
Cc: 'sai chinam'
Subject: fw: home loan property charges levied multiple times... Xxxxxxxxxxxxxxxx
Importance: high

Dear sir,

We will sure try our best to claim waiver for your case wherein property charges levied multiple times.

Will revert you soon.

Regards,

Suma

Suma s warik
Manager
Thane rac - operations
[protected]

From: k v, janish kumar
Sent: wednesday, october 31, 2018 11:32 am
To: ss. [protected]@idbi.co.in
Cc: thn_customerservice ; janish kumar
Subject: re: home loan property charges levied multiple times

—
This mail originates from outside our organisation.
Please be extra vigilant before you click on a link, open attachments or reply.
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Hi,

Can you let me know the status of the below request? It’s been more than 3 weeks since i sent email on this issue.

Regards,
Janish kumar

From: k v, janish kumar
Sent: monday, october 8, 2018 7:35 pm
To: ss. [protected]@idbi.co.in
Cc: thn_customerservice ; janish kumar
Subject: home loan property charges levied multiple times
Importance: high

Respected madam,

This is to inform you that my savings account with idbi (A/c no.: xxxxxxxxxxxxxxxx) has been debited with property inspections charges three times in december 2017. Following are the charges levied on my account:
Hl property inspection charges 30th december 2017 rs. 600
Hl property inspection charges 31st december 2017 rs. 1180
Apart from these charges, gst of rs54, rs54, rs 106 and rs 106 respectively has been debited from the account.
My loan accounts with idbi:
Home loan account: [protected]
Lap loan account: [protected]
Additional loan account: [protected]
Can you please refund all the extra hl property inspection charges levied on my account?
Also, find attached my bank statement showing the hl inspection charges.