National Payments Corporation of India [NPCI] — GICHFL cheeted me by unethical Disbursement

GICHFL cheeted me by unethical Disbursement:
Hi my name is MISHU CHAKRABORTY, I have filed two complaints against GICHFL on NHB’s GRIDS Platform.
My COMPLAINT, Against THE BRANCH MANAGER (AKSHAY SINGH THAKUR) kolkata, Barasat Branch.
He has everytime given all wrong, lying, manipulating replies from 1st to last, As per his statement most of the work of my ground floor had been completed.then he disburse another Amount.
Branch Manager- Akshay Singh
Thakur & Zonal Manager, N. Ragottamman came to my house 2 times to see my ground floor work
and mentioned that the work had been completed. However, in reality the ground floor
work has not yet been completed. Hence it is clear that the Disbursement made by the Company does not match with the
progress of construction.The disbursement was made as per the Contractor’s Agreement
which did match the actual progress of construction work . I HAVE some proof ENTIONED HOW THE COMPANY IN NEXUS
WITH THE CONTRACTOR HAS CHEATED WITH ME…………..The most important evidence of fraud is the mismatch between stage of disbursement and
the stage of construction which was carried out through the nexus between the Manager, GICHFL and the contractor. 80% of my total sanctioned loan amount was disbursed with
very little progress. The second and subsequent disbursements were made without
ensuring utilization of previous disbursements, the responsibility of which is now being
imposed upon me. I did not send any picture for disbursement. In this context, the following
facts may be taken into account:
1. No staff of GICHFL came to verify the stage of construction. 2. The pictures which were used by the company for showing the stage of construction did
not include the picture of company officials who claimed to have visited the site for
verification which proves that the company officials never visited the site. The photograph
was not taken by company officials but had been obtained from somewhere else. 3. The company is not able to provide the identity of the person who had provided the
photograph of my house which was used as an evidence for stage of construction.. The Company made the 1st Disbursement of Rs. 7.5 lakhs even though the agreement
with the contractor mentioned payment of Rs. 6 lakhs. Subsequently, the company could
have disbursed a lower amount as 2
nd disbursement. Still the company chose to disburse Rs. 7 lakhs as per the contractor agreement)Therefore, the disbursements made by the Company does not match with progress of
construction. The disbursements have instead been made on the basis of contractor’s
agreement which was wrong. 5. I have independently got an assessment done recently by a Govt. RECOGNISED Valuer
using the same photograph which the company has taken into account for making the
second disbursement. As per the assessment not even 50% of the first disbursement
amount (i.e. Rs. 7.50 lakhs) was utilised based on the photographs. How then the company
decided to disburse another Rs. 7 lakh as second disbursement for the cosntrcution. This
was done to ensure that the funds reached contractor even without the actual construction
work carried out by him. The Company in its reply has stated that the disbursements were
made based on my requests. However, the Company had full authority to either reject or
disburse a lower amount based on the stage of construction. However, the Company chose
to disburse as per contractor agreement. It may be mentioned that even the sanction letter
of the company mentions that disbursement would be made based on the stage of
construction. However, the same was not followed in this case. 6. Its clearly shows that No transparent & ethical disbursement was done in my case. 7 . The company made me sign all the disbursement requests in one go and kept using the blank
disbursement requests by filling details as per their wish without taking my permission and without
informing me. Do you have any proof that you informed me before filling those disbursement
papers?
8. ON 04/09/2018………..I got loan offer letter.(ATTACHED PAPER COPY)
On 14/09/2018………. you arranged the contract agreement between me and the
contractor for construction.(ATTACHED PAPER COPY)
On14/09/2018………… you arranged the first disbursement on the basis of “contractor
payment agreement”. (ATTACHED PAPER COPY)
The above actions were made as per the plan of the company
in nexus with the contractor since the Branch Manager got
bribe from the contractor in this case.9.How Sumit Charkraborty could take pictures for 2
nd, disbursement of the house on
23/10/2018 when Sumit Chakraborty was introduced to me first time by yourself in January
2019. He came to my house first time in JANUARY, 2019 to MARCH 2019.HOW COULD THIS
BE POSSIBLE THAT THE HOUSE PHOTOS WAS TAKEN 23/10/2018 by sumit chakraborty?
10. You did disbursement purely on the basis of photos.Why did not SUMIT
CHAKRABORTY click the selfie pictures of himself with the construction site in the
background for verification? Why did you not have any selfie picture with the applicant OR
co-applicant during that verification?I think only co-aplicant photo it’s no enough for
disbursement, it’s mandatory to know that who came to my home for verification & took
pictures. Do you have any selfie for proof. That’s why I gave also an option to GICHFL to get a verification done by a neutral valuer
showing the pictures of the house on which 2nd disbursement was made. But, unfortunately, I did not receive any reply neither from the company’s side nor from the
highest authority of GICHFL. I already mailed the proposal on 12 /05/2021 time 12.31 p.m and
reminder 24/05/2021 time 5.46 pm…………………….
I have been speaking to and requesting the High Authority of GICHFL for the last 3 years and
I am appealing for an impartial investigation of this matter with special emphasis on the rights
of the customer so that my problem is resolved soon. If the company solves my problem I would
definitely continue to pay my EMIs.