Punjab National Bank Housing Finance [Pnbhfl] — Unfair Practices of PNBHFL Jaipur and harassment of customer LANs NHL/JPR/0216/269247

Address:

607, Jailal Munshi Ka Rasta, Chandpole Bazar, Jaipur-302001, Rajasthan, INDIA

Dear Sir,

I Narendra Kumar Tayal Availed two Loans from PNBHFL as per following:-

S.No. Ref No. Sanctioned Date Amount RM
1 NHL/JPR/0216/269247 [protected] 9850000 Mukesh Kalyania
2 NHL/JPR/0316/276964 [protected] 5650000 Mukesh Kalyania

I Applied for Preclosure Statement on 17/08/2021 by visiting the branch, Branch People asked that it will take some time, and I will get it on mail. and I asked Mr. Deepak Sharma in Branch regarding the preclosure charges, he opened it in the system and said that there are no Preclosure charges. even during the time of availing the loan Mr. Mukesh Kalyania did not aware me about any preclosure charges.

I got the Preclosure statement on mail on 24/08/2021 asking to deposit the whole amount as per following:-
S.No. Ref No. Sanctioned Date Amount RM Foreclosure Amount Payable Prepayment date
1 NHL/JPR/0216/269247 [protected] 9850000 Mukesh Kalyania 7273282.4 [protected]
2 NHL/JPR/0316/276964 [protected] 5650000 Mukesh Kalyania 4243115.36 [protected]

I went in the branch to collect the foreclosure letters physically and got the same foreclosures letter as on 27/08/2021.

after getting it I sold my properties and somehow arranged money to deposit the amount from my own funds and deposited the 7273283/- and 4243116/- on 01/09/2021 through RTGS having RTGS Number as follows:-
S.No. Ref No. Sanctioned Date Amount RM Foreclosure Amount Payable Prepayment date Payment Made UTR No
1 NHL/JPR/0216/269247 [protected] 9850000 Mukesh Kalyania 7273282.4 [protected] 7273283 KKBKR[protected]
2 NHL/JPR/0316/276964 [protected] 5650000 Mukesh Kalyania 4243115.36 [protected] 4243116 KKBKR[protected]

I went to PNBHFL Branch Directly and confirmed them about the RTGS Received, they ( Mrs AARTI TANK & DEEPAK SHARMA) confirmed me that the RTGS received and by EOD on 01/09/2021, they will close my accounts and withing 10 days, I will get my property Papers.

Suddenly on 01/09/2021 in Evening I get a call from Mrs Aarti Tank and threatened me for not closing the Loan and asked, If I do so they will disturb em completely. and will not return my property papers.
and after some time around 17:30 on 01/09/2021, I got a email from PNBHFL stating that we forgot to add Foreclosure charges and find another Foreclosure statement of the same, following are the details of the same:-

S.No. Ref No. FCL Amount received as on 27/08/2021 FCL Amount Received as on 01/09/2021 Difference
1 NHL/JPR/0216/269247 7273282.4 7532746.46 259464.06
2 NHL/JPR/0316/276964 4243115.36 4393364.44 150249.08

as per them difference is because of following:-

S.No. Ref No. Interest Difference Prepayment Charges Total Difference ( Interest Difference + Prepayment Charges)
1 NHL/JPR/0216/269247 1208 149041.08 259464.06
2 NHL/JPR/0316/276964 2086 257378.06 150249.08

I just want to state some points as per following :-

1. I asked for Foreclosure statement and they took their time provided System generated foreclosure by email and hard copy ( Sealed and Signed) to me for both loans. and asked me to pay the amount on 01/09/2021. and after paying the amount, they are saying that they forgot to add prepayment charges and sent the another one after adding prepayment charges. So i just want to say that is PNBHFL a Lala Company or do not they have any system or they just try to make fool of customers by doing this type o[censored]nfair practices and DADAGIRI. and try to take charges according to them and threaten the customer for the property papers.
they are making fool of genuine customers because when I am getting one letter system generated and another one generated by them . and both have the big difference.

2. I made the payment on 01/09/2021 in morning as stated by PNB Officials and confirmed them that they have received the RTGS and again when they are sending me the changed foreclosure letter in evening they are changing the interest part also i.e. after receiving the payment they are adding interest of the same amount also.
it is like that amount is with them still they are asking interest from customers.

I seriously not getting what they people are doing, Specially PNBHFL Jaipur officials are fully in dadagiri and taking advantage of the name PNB and threatening customers and fooling customers so customers don't even thing about to return to PNBHFL in life.

request you kindly resolve the issue, close the loans and release my property papers asap. otherwisee, I will have to go to Bank LOkpal, RBI, or judiciary system of INDIA.
Attached are:-
1. Sanction Letters
2. Foreclosure Statement received as on 27/8/21
3. Foreclosures Statement Received as on 01/09/2021.