Punjab National Bank Housing Finance [Pnbhfl] — HOU/GHA/1115/249552 (Documents not released despite full payment)

From: Rohit Gupta ([protected]@yahoo.co.in)
To: [protected]@pnbhousing.com; [protected]@pnbhousing.com; saurabh.[protected]@pnbhousing.com; [protected]@pnbhousing.com
Date: Wednesday, 14 April, 2021, 05:41 pm IST
Dear PNB Team,
It's high time and I have not receive any response (mail send on 28-03-21 and[protected] from your end. I am assuming that there is nothing from PNB side to all my facts and
document submitted for wrong demand raised after payment of all the dues as per fore-closure documents received.
Hence please close this issue and release the documents at the earliest. Do let me know the date and time for collection of documents from Vasundhara - Ghaziabad branch
as it is more than two months from the date on which all the payments were made by me or my other bank for loan transfer.
Best Regards,
Rohit Gupta
[protected]

From: Rohit Gupta [[protected]@yahoo.co.in]
Sent: Monday, Apr 5 2021 9:40PM
To: Customer Care [[protected]@pnbhousing.com]; Nodal Officer [[protected]@pnbhousing.com]; Executive Director [[protected]@pnbhousing.com]; Saurabh
Sharma [saurabh.[protected]@pnbhousing.com ]
Subject: Fw: RE:Loan Account Closer- HOU/GHA/1115/249552`
Dear PNB Team,
I am yet to receive any communication from PNB Housing Finance Ltd or from Nodal officer of PNB Housing Finance Limited. Hence, I am forwarding my Grievance
application to Level 3 step and adding mail to [protected]@pnbhousing.com with a hope to get my resolution soon.
I am getting a experience that surgery is being performed on dead body of a patient and then not releasing the body upon non-payment of illegal dues to be collected on
dead body surgery.
Also, it is a common practice among bank / financial institution that any error in any statement or communication given must be rectified within 30 days from the issue of
letter. I was informed about this error after 4-5 months from the end of moratorium.
Again to put on record, I have opted for moratorium during COVID period and made a request to extend the term of loan. My principal outstanding loan or disbursement was
never ever increase nor any intimation was given to me at any point of time for increase in loan balance or even after getting foreclosure or making final payment. So now to
demand for moratorium interest is not correct.
I am again making a humble request to release my documents withheld by PNB Housing Finance Ltd at the earliest and without any further delay.
Best Regards,
Rohit Gupta
[protected]

From: Rohit Gupta [[protected]@yahoo.co.in]
Sent: Sunday, Mar 28 2021 2:50PM
To: Customer Care [[protected]@pnbhousing.com]; Saurabh Sharma [saurabh.[protected]@pnbhousing.com]; Ramneek Kaur [ramneek.[protected]@pnbhousing.com]; Nodal
Officer [[protected]@pnbhousing.com ]
Subject: Re: RE:Loan Account Closer- HOU/GHA/1115/249552

Dear Saurabh ji / PNB Team,
This is again with reference to our tele-conversation which we had today regarding amount outstanding for my PNB Housing loan for moratorium interest. This outstanding
amount is rejected by me as I am of the belief that moratorium interest opted my me was only to spread to my loan tenure period. This is totally against the principle for what
moratorium benefit was given by RBI / Central Government to the people during COVID period.
This outstanding amount was never communicated to me earlier despite getting fore-closure letter from PNB Finance Housing Ltd on two occasions first in February 2021
and November 2020 (refer attachment). I am highly surprised that this error has repeated twice. Also, I failed to understand as how could PNB Housing Finance accepted and
cleared loan outstanding amount from another Bank as i have opted for loan transfer and then also during the said period, the balance loan outstanding was never
communicated.
Also, moratorium interest amount was never added to my loan outstanding amount as per Statement of account (SOA) available for the period[protected] to[protected]
(refer attachment). As per the statement during the moratorium period my loan outstanding was never enhanced for moratorium interest amount and the same was never
ever communicated to me even when the bank loan transfer from HDFC Bank was made and paid. In fact, excess amount paid by HDFC Bank against the outstanding loan
balance was even refunded to me on[protected]. Till that time, Moratorium Interest amount was not adjusted.
Therefore, it is just an after thought process that so called outstanding principal amount is being added to my loan account.
I request to correct the same by stating that no outstanding amount is payable by me and release the documents at the earliest.
In case the same is not done, I will be left with no other option to first go to PNB Grievance redressal procedure at level 1 and level 2 and in case I am not satisfied with the
grievance, I will approach LEVEL 3 and further. I will continue my fight and also approach consumer court for the same.
Hoping to get positive assurance from your side to our old customer.
Best Regards,
Rohit Gupta
[protected]