Punjab National Bank Housing Finance [Pnbhfl] — unnecessarily put my name in moratorium scheme.

Address:

Uphaar Cinema Complex, 1st Floor, Building No. S-8, Green Park Extension, New Delhi, Delhi 110016

Branch in charge 14th august, 2020
Pnb housing finance ltd.
5th floor, hb twin tower-1,
Plot no.-a2, 3, 4, nataji subhash place,
Pitam pura,
New delhi-34
Cc to

Ref. No.: loan against property account number :nhl/ptp/0519/692599
Sub: complaint

Dear sir

I, raman kwatra son of sh. P. L. Kwatra, resident of ae-186, ug floor, shalimar bagh, delhi-110088 along with my mother sh. Tej kwatra (Dob 18.03.1936) and my wife smt. Sonia kwatra (Dob 13.12.1973) took housing loan from pnb housing finance ltd. (Pnbhfl) of rs. 15, 00, 000/- in addition to the above rs. 75, 000/- for insurance against the above rs. 15, 00, 000/- total amount of the loan is rs. 15, 75, 000/- for period of 72 months vide my loan account number is nhl/ptp/0519/692599
I had served a legal notice to pnbhfl dated 29th june, 2020 (Copy enclosed) and received the reply from pnbhfl letter dated 10th july, 2020 speed post dated 16th july, 2020 and received on 20th july, 2020.
I would like to point out the two major reply of sh. Rakesh kumar tripathi, authorized signatory of pnbhfl that is point no.-10 and point no.-11 (Copy enclosed)
Point no.-10 he had accepted that due to technical reasons the ecs was wrongly placed for clearing with an amount of rs. 57, 922/- whereas the actual ecs amount was rs.29, 338/-
I would like to inform you the following discrepancies made in my above account.
1. Account statement of account holders were in customer domain at the web site of the pnbhfl till june 12th.2020 after that it was available on demand by the client from the customer care and the same is provided in 72 hours. The right to see the statement online removed by pnbhfl from their website.
2. The detail of the discrepancies are as follows in my account statement.
 
S. N date type entry made entry removed / modified modified with reasons
1 11 march, 2020 debit entry 29338 in the month of april, 2020 30092 statement downloaded from website of the pnbhfl
2 11 march, 2020 balance loan teneour 67 actual 65 statement downloaded from website of the pnbhfl
3 10 june, 2020 emi due-as per statement 30092 ecs imposed on 10 june, 2020 57922 statement sent on request by pnbhfl
4 17 july, 2020 16.06.2020 bounce charge 500 pre closer certificate dated 14.07.2020 590 statement sent on request by pnbhfl, later on removed from the statement.

You are requested to please explain that how you are maintaining the correct account as mentioned above in detail explanation.

Please refer to your explanation number 11 in which you was agreed that my account is no more under moratorium scheme benefits. You are requested to remove the moratorium outstanding of rs. 63, 476.72 from the for closer statement (Copy enclosed)
Yours sincerely


Raman kwatra
Mobile number : [protected]