[Resolved]  ABN AMRO / Royal Bank Of Scotland — CHEAT AND HARRASHING

Address: Punjab

OLD MESSAGE 21.05.2009

Respected Sir


Sub:- Harassment personally & phone calls by bank employees

Sir/madam,

I took a loan of Rs 2,82,560/- in July 2006 & gave all installments
in time i.e 10648/- each month. afterword this loan is top up by bank
under loan a/c no.9359705 after top up loan a/c no.9420262 & paid me
90,654/- after deduction about Rs. 14595/- from my loan amount in the
shape of misc.charges, intrest, processing charges etc.etc. and then i
also paid the refund installment of Rs.10498/- well in time. Due to kidney
problem(i.e swelling on whole body) I was admitted to the Hospital and
could not pay the installment, so, they reduced the installment amount to
Rs.7547/-. That also I gave them timely. Due to my kidney problem i spent
money in medicine/ hospital/ medical tests. I am not in position to pay
more in the form of installment. Uptill date i paid over 220000/- in the
shape of installment. This time i am in critical position due to cronical
disease.I already spent Rs.3,50000/- on my treatment uptill date.
My monthly net salary is only 15000/- pm most part of salary is spend in
medicine/medical test and admission of hospital repeated in three to four
time in a month for injection & other treatment.

The agent of the bank commit the rate of interest i.e. 18% reducing
balance but bank charged 21% pa. To this effect, i sent email as well as
phoned to bank but bank did not responded any time. but I paid bank
installments well in time. In regard of interest I request to the bank
employees but they had no response to me for this interest.
Apart form the above past history is goes like this - I have been
requesting since May''09 ABN Amro Bank collection executive for telling us
my loan amount outstanding is around Rs.270000/-.Every time they use to
say your loan outstanding is always Rs.270000/- I told to executive to
satelle my loan in short payment and one payment on principal outstanding
amount . Executive says that your outstanding is Rs.270000 not possible in
short payment.
Now they required full amount immediately and threatening me and my
family members that we shall catch you & beat you up or get punished
by police or in the court of law & they misbehaved with my family
members in my house. In this regard i already contacted to customer care
on phone but no response. one employee of bank Mr. gaurav from chandigarh
office threatened now & then & says that more than 3 lacs still
due on your head , we already paid all installments upto April 2009.

I am single hand earning member of my family and undergoing treatment for
kidney disease & not able to pay, now i am not in position to pay
more. I request you to settlement for min. principal amount. if they (bank
people) harass me or my family members, i have to knock the doors of
consumer court. I request to bank kindly see my problem & settled the
case in minimum principal amount.


I humbly request you to please kindly setelle my loan.

I says that my condition is not able to give this amount please settled
the case on principal amount.

with regards

yours Sincerely

Ramesh Chand





Received Message 26.05.2009

In this Request we got mail of Abn amro...

Dear Mr. Chand

This has reference to your email requesting for waiver of principal outstanding with respect to your loan account with us.

We regret to inform you that as per our Bank’s policy, we will be unable to honour your request for waiver of principal outstanding.

We request you to consider that previously the Bank has tried to assist you by re-scheduling the loan with a lower EMI amount. This was done
in November 2008.

Should you need any clarifications/ assistance, please feel free to contact us at[protected]. You may also speak to our Collections
Manager Mr. Gaurav Sharma on +[protected].

Yours sincerely,

Rhea Kakkar
Head - Regional Communication Centre, North
Consumer Banking
ABN AMRO Bank, N.V, India.

Website: www.abnamro.co.in


JANUARY 2010 (Cheat)




And than we go to Abn amro Manager Mr. Gaurav Sharma on +[protected] for settle
the account and Abn amro bank for settle we collected 90,000/- and give to Abn amro collection manager Mr Gaurav and Mr. Gaurav said that we settled and don't worry NOC he said we provide you in 2, 3 months and they give us receipt of 90,000/- and write in page payment for NOC and signature of Mr. Manu received After 3 months
abn amro bank call us you amount is settled and we processing for noc and we provide in a month but after one year In 2011 Abn amro start arrest warrant through court you know govt job is very critical and we afraid and we going in court regularly with date.


MARCH 2013

Now , Abn amro is merged in Royal bank of Scotland and now some two people comes they didn't said own name said your balance is pending around 2 lac above at we can we do now. Sir we are in very poor condition and my studies and my small sister and we don't have any home for staying recently my father have job but after 2/3 year my father gets retired and we don't have enough money for staying rent and my studies is going my sister .. please suggest us what can we now.




From Brij
[protected]
[protected]@yahoo.com