Hello,
My name is dilip kumar and i hold an spln loan account number 59945180 with your bank.
Last year, i got a call from one of your telemarketers who offered a personal loan saying that it didn’t come with foreclosure charges or any other hidden charges. Convinced that it was a good offer from a well-established bank, i opened an account and got approval for a loan of rs. 10 lakhs.
Soon after, i received a loan confirmation email from rengaraaj. [protected]@kotak.com which said that there would be a 5%+st foreclosure charge to the loan account. I was confused, so i called mr. Rengaraaj sivakumar, deputy manager for salaried personal loan at kandanchavadi branch. He clarified that the foreclosure charge was not applicable if i closed the account after one year of the account opening date. He was also nice enough to offer his help if i ever encountered any problem with my account.
When i recently reached out to the bank branch in regards to close my account, i was told that mr. Rengaraaj is no longer a banker at kotak mahindra. This news put me in an insecure position since he had promised to be personally available for me to sort out any issues with my banking experience.
I am closing all my bank accounts including the one in kotak mahindra bank because i am leaving india in two weeks time. I recently visited your bank branch in egmore to close the account. But one of your bankers (Miss ashwini, employee code: 03627) said that i can’t close the account without clearing the 5% foreclosure charges - which comes out to a whopping rs. 50, 000! I had a long conversation with her that ended without a conclusion, but she agreed to escalate and expedite my issue. I’ve included the request number at the end of this email.
I had absolutely no trouble closing a few other accounts that i had with banks as reputed as yours. But i’m really getting frustrated with the amount of time and effort it’s taking me to close my account with your bank. I am reaching out to you hoping that you can help me resolve this issue without any further hassle. I have high esteem for your bank and i genuinely hope that you can help me close my loan account so that i can peacefully move on with my life outside india.
Service request number: 1-[protected]
Employee name: ashwini
Emp code: 03627
Date:[protected]
-dilip Was this information helpful? | 
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