Reserve Bank Of India [RBI] — injustice for home loan

Address:

Flat No 2, sudarshan Vihar,Maturban Colony, Aurangabad, Aurangabad, Maharashtra, 431005

Respected hon. Prime minister, hon. Finance minister, hon. Governor of rbi, chairman sbi, mr. A j parikh general manager rbi, mr. R k mahana general manager rbi, all all senior authorizes of sbi from new delhi & mumbai.

I have received email from sbi - dgm aurangabad. As i already mentioned in my earlier mail it was expected that no senior authority of sbi is going t take care of the email. Hence i was very clearly written that if no proper answer is received from sbi, i don, t have option to send the email copy to hon. High court, aurangabad, mumbai branch & consumer forum aurangabad & if i won the case i will request the court to recover all my legal expenses from the salary of the employees who refused to understand the facts of person's life on humanity. It is very common principle that rules are made for person & not person is made for relue. What ever dgm-sbi has written & the answers to his mail were already given in my earlier email itself & i have already written that i was not able to pay the regularly but as & when possible i have paid the amounts. Dgm - sbi has not mentioning anything new, being all senior & expertise, you have already knows that it has happened. So what new dgm-sbi has written. The dgm - sbi taken almost a week to check an email & reply.

The mail which i have received from dgm-sbi that too from aurangabad regional office & not from any senior office from head office. Dgm-sbi is silent on the following facts which are as below point wise.

1. My financial position was very poor from 2009 to 2019 june there was lots o[censored]ps & downs financially & personally in my life and due to that i was not able to pay the installments monthly, but if you check the entries for the entire period i paid as and when i receives the intimation from bank by bank orally or the recovery person comes to home immediately.
2. I wrote in my earlier email that everything can not be measured on rules there has to be a humanity ground which i would appreciates banks with which i am connected like deogiri nagari sahakari bank ttd, idbi. They & their senior team understood the customers situation & if found reality they really on facts & helps. As much as possible personally.
3. I already wrote in my earlier email that lots of times (Means 3 or 4 times) in last 10 years came to my home for money & has done lots of tamasha & given threats also in front my spouse who is a house wife & my small daughter who were scared various times. Even as and when bank officers came they never suggested me to do the applications or pay the charges & change the rate of interest. Here i would like rbi official to interfere & request to send the circular regarding the same.
4. I have not received any written communication from sbi that they have any such process which has been mentioned by dgm - sbi in his/her email that i need to do the formalities to make the change in rates on which dgm-sbi is silent. I would like to ask senior officer of rbi is it true? Since when you make any changes in rate of interest it should get automatically applicable to each & every loan account. Rbi is requested to confirm the same with circular as i am not believing on sbi officials of aurangabad.
5.in my earlier email i have mentioned that even the one month was not completed of death of my mother as she was hospitalized for two months in private hospital (You can understand the daily expenses for private hospital) they have published advertisement for auction of my flat along with me & my spouse name in local. Respected prime minister & respected finance minister, you can personally think how was our situation after looking the news since all aurangabad industry knows me as i was hr head in different companies. The death of my mother was published in all local news papers on front page as she was ex - class one officer in education department govt. Of maharashtra & lots employees working in sbi was aware it. On this my point dgm - sbi is silent.
6. I think two years back i have received a letter from sbi that they will seal my home but while issuing that have not taken care to check the account, i was paid the amount before issuing the notice before 2 to 3 days. On which the dgm - sbi is silent.
7. Dgm-sbi is silent for the effect to be given on account due to rate of interest changed from 2008 to till date. Hon rbi governor, kindly suggest to me line of action since i do not trust on sbi also i request you to guide& help me to change the loan account from sbi to any other government undertaking bank. As from jan 2008 to aug 2019 i. E. 11 years 8 months sbi has taken from me only interest of more then 10 lacs where as loan taken in jan 2008 was 8.49 lacs. Is this a justice to a person who has faced lots of troubles in all respect and aspects in past 10 years which is very easy me to prove & sbi has nothing to do it, whatever dgm - sbi replied only on monitory & tried to show that they only follow rules. What about the rate change affect which was not intimated to me even the requirements to do from 2008 dgm - sbi is silent.
5. As i mentioned above i request to hon. Governor rbi, to personally help me to change the loan account with another government undertaking any bank, as now financial is stable & also i will try to improve my cibil score.
6. Hon. Prime minister, hon. Finance minister, hon. Governor rbi, as now i am in different field in i am in need of top up loan on current housing loan of rs. 2 lacs fo which you all are humbly requesting you to personally help me as my current market cost of the flat is more then 50 lacs. Also guide me 10 lacs as a interest paid against the loan amount of rs.8.49 lacs at todays balance is 7.96 lacs.- this also i have written to chairman sbi but the dgm-sbi is silent.

Looking to all of this you will also feel amazing that how much time the dgm - sbi has taken to give reply which shows efficiency of sbi officials. And how they care & treated common people. (Since we are honest & from middle class & not a businessman's who are taken crs. Of loans from sbi and absconded from india). They have not even shown affection to speak to me personally by head regional office aurangabadon mobile as my mobile number is with them.

Whatever reply has given by dgm - sbi of only of monitory lacuna's from my side & not on the facts which i suffered, it shows the attitude of the officials of sbi & culture & humanity towards a common man.

Hon. Prime minister, hon. Finance minister, hon. Governor rb, chairman sbi, the branch from where the loan has taken or the regional officer aurangaba maharashtra shows courtesy to call personally & try to understand my mind state towards the loss which i got of rs. 10 lacs against the loan amount of rs. 8.49 lacs.

Now i humbly request hon. Prime minister, hon. Finance minister, hon. Governor rb, chairman sbi to look in to it personally which i am sure the current government is very different of the last 70 years of governments.

Awaiting for a positive response at the earliest as it has already gone lots of years i am suffering a loss & paying the amount told by the sbi officers & also suffered a lot not only me but also my family members mentally & financially.

With warm regards

Sujit mirkhelkar
Home loan account with
State bank of india
Dashemsh nagar branch, aurangabad.