Reserve Bank Of India (RBI) — : SBI Karkardooma Delhi Branch code 15811 harassing for my govt cleared loan.

[protected] Forwarded message[protected] From: Samiir Kharbanda <samiir.[protected]@gmail.com> Date: Sat, Apr 11, 2015 at 2:56 PM Subject: SBI Karkardooma Delhi Branch code 15811 harassing for my govt cleared loan. To: [protected]@nic.in Cc: [protected]@sbi.co.in, chairmansbi.[protected]@sbi.co.in, [protected]@nic.in, [protected]@nic.in, [protected]@rb.nic.in To R K Jajoria(Assistant Director) DKVIB Sir(s), With reference to my loan under PMEGP for 2 lakhs which is under abnormal delay please refer to your letter F7/East/DKVIB/PMEGP/DEV/14-15 ..15402 after which SBI SME Branch Karkardooma, Delhi, Branch code 15811 started harrasing me more. They somehow got annoyed to the letter written to you for abnormal delay in which I mentioned twice physical verification has been done as the dealing officer changed and asked for my fathers pension ID which is nowhere written in DKVIB guidelines. Prior to that also I dont know why Mr. Abhimanyu Dealing Officer was delaying my case and was troubling me for something or the other, his actions seems suspicious to me. They asked for MCD certificate which I duly gave them Then they asked for computer quotations which I said I have given to Earlier Dealing officer, he said that quotaions required TIN no. I arranged for TIN No. Quotations, he said my loan will be processed soon. I repeatedly enquired about my loan through phone and physically went to SBI office but of no use he kept the case delaying for something or the other. Also he told a letter from bank has been sent to you, I kept waiting for Bank letter and also enquired from Post Office but of no use, 3 -4 weeks got wasted, I went to Bank for a copy of letter there Mr. Abhimanyu said Its just the items you have give include fathers pension Id. Later he asked for physical fitness certificate which is nowhere written in DKVIB guidelines(Said I have written to commit suicide in President petition) I told him that was a gone bad phase of my life now I have recovered from depression. After your above referred letter they called me and said they require quotation for everything. The Project report is also made with his consent in which he has objection to giving loan to some items includes lal kitab kundli software worth[protected]/- appx. The case was already delayed by them and they have a plan to harass me . They said a letter has been sent to you and you have to give quotation for every single item. I told them that quotation cannot be provided for some items include rennovation and paint and carpenter as it is small labour and dont have bank a/c also they give estimate so if the price exceeds or is short how it will be dealt say 20000/0 is estimate but if it goes to 25000/- then what I have to pay cash but the bank said they wont give cash more than 5000/- and have written in there clarification letter 10000/-, what if amount paid is higher to carpenter say a cheque of 20000/- but work i of 18000/- how will I get my money back from carpenter, Also labour does not hav TIN no. I said I also need cash but of no use to them as they have planned to harass me and not to give loan. They(Dealing Manager) have written that THEN YOU MISBEHAVED AND THREATENED OF DIRE CONSEQUENCES which is totally a false allegation, how could I, I need loan and also I am of not that nature. I repeatedly told them that I need cash for day to day expenses example : Laptop Lamination 200/- appx Jobwork Helper salary 6000/- to 8000/- ISP/Wifi Software loading charges Water arrangement 20 litre Bottle every 3 Days 180/- appx. Mobile recharge 500/- appx. Advertisement Banners Cable Bulk Sms pamplets for LAL KITAB KUNDLI which will be of 500 pages have special software will cost around 3000/- per kitab to customers for which I am planning on big scale for ads also paid FB/net ads may be a domain name /website, But I was told they cannotv allot so much for Ads Printer Ink 20000/- 10% subsidy from my side to be paid back. 7400/- MCD licence fees to be paiod back from where I arranged money. Carpet and Decorative items include rubber plants Mats for Computers Sweeper Salary Provision for Electricity Bill Pundit/Pooja on Opening Ceremony sweets /God Idols other expenses 1500/- Small Mandir of Marble 1500/- to 2000/- Also there are other hidden/ day to day expenses which I am not sure but they said they wont give cash more than 5000/- includes a poker smile on there face as they were on a decision of not to give me loan and harass me. This got me so depressed that wrote again to the President. Now I received a call in which they said they are sending the case back to DKVIB for which they have sent me letter. Sir I have provided quotation for computers worth 69500/- ., but I cannot give them quotation for every thing includes small labour for rennovation and paint, carpenter who will make partition and make computer cabins, I can provide quotes for Chairs 1 Big and 5-6 small chairs but I cannot give them quotes for small bench/ plastic chair which is on my mind and I have to buy after seen market whosoever is cheap I will buy from that. Please understand my problem, I am unemployed youth wasted One and Half year waiting for loan, Arranged 7500/- for MCD licence, and the pain to visit the Office for which I dont have money, I arranged for 20000/- for 10% subsidy. I need a break and once my Business is started I will be easily able to pay my EMI's . Also its a govt. loan which DKVIB has cleared after proper verification. It has been height of harassment and testing my patience, please understand my situation. Please take appropriate action. A copy of their email and my responce have been attached. Thanks and Regards Sameer Kharbanda [protected][protected][protected][protected] A Copy of My petition to President of India in Nov 2013. Grievance for Registration No: PRSEC/E/2013/19229 Sir, I Sameer Kharbanda is a post graduate unemployed since yr 2000.I suffered frm paranormal experiences (ghosts etc) for 10+ years...went to doctor he told me I m suffering frm Sizophernia (Dimensia)was hospitalized though know that was suffering frm supernatural power (ghosts etc.).After 2010 was in better state after going to Balaji (Dausa. Rajasthan were people suffering frm ghosts etc get rid of them). I tried to get some work but was unable to cope as my 10 years wasted in 2010 and my experience and strenth don't match for job.Another 3 years got wasted... I belong to respectable family my father retired frm SBI as manager and mother retired frm Central Water Commision (We are honest and God fearing family) don't have savings (all our gold is mortgaged)and whatever pension my parents earn is not enough (We have a property case in court most of money goes there and the opposite party very rich troubling us). Sir at home also I m not respected as 13 years is long time sitting idle...I can understand their part... Sir I wanted to open a shop as an alternative as job market is gone case for me now but shop requires money and I tried loan frm several banks but of no use as I don't have income. Sir, I request you(President House)to intervene and get me loan of around 5 lakhs(five lakhs) (will start repaying instalment's frm 6th month) I tried frm Various Rozgar yozna's but of no use due to age factor and my father in Bank. Sir please understand my problem as I m much depressed sitting idle at home not well frm inside also other problems feels like committing suicide. Please help me getting loan and oblige. Thanks and Regards Sameer Kharbanda [protected] SBI(State bank of India) saving bank a/c no [protected] - Branch- Krishna Nagar. With reference to your e-mail dated 1603.2015 addressed to President of India (copy to Chairman SBI), we advise: 1. An application under PMEGP for Rs.2.00 lacs for establishment of Cyber Cafe was received by us on 17/09/2014 vide DKIVB/Letter No. F.7/5350/DKVIB/PMEGP/Dev/2014-15/5034 Dt. 12/09/2014. 2. In this connection, we advised you to submit MCD application/License/Quotation as per project cost and other KYC documents vide letter no SMECCC/KAR/MANU/2014/M-484 dated 18/09/2014. 3. Finally PSS was done on 09/10/2014 and you were again advised to submit required papers at the earliest 4. During PSS, we came to know that that you are living with your father and he has been retired as Dy Manager from SBI. Knowing that Credit officer asked for ID of father for KYC compliance in terms of RBI guidelines 5. We received MCD license dated 27/11/2014 in month of December, 2014 which is required in terms of DKVIB guidelines mentioned on Para (e) of application dated 12/09/2014. It appears Rs.7, 500/- was spent by you on procuring MCD License. 6. We are unable to understand for what hidden expenses you are talking /asking loan in cash as advised in your email. Bank does not consider the hidden expenses for financing. 7. Bank can not consider advertisement expenses of Rs. 25000/- for a small project of Rs. 2.00 lacs as submitted in project cost 8. It is not clear where you have paid 10% of loan for taking loan and for what purpose as mentioned in your e-mail. While our credit officer asked for arranging 10% of project cost as margin money. 9. You are making false allegation of harassment as your purpose is to get loan in cash but we are under obligation to ensure end use of funds therefore we are asking quotations for items to be purchased. 10. Till today, you have submitted only quotation of Rs.27, 500/- dated 17/01/2015 & Rs.42, 000/- dated 05/02/2015.But despite our persuasion, you are submitting papers in piecemeal. Therefore, your loan could not be processed. Now we have sent a letter advising to submit all the required papers vide letter no RASMECCC/2014-15/1414 dated 12/03/2015.other wise we will no option but to advise DKIVB accordingly. As we can keep the application for indefinite period. 11. On 16.3.15, you came to branch in undersigned room and asked disbursement of entire loan in cash, & when our officer asked for quotation you misbehaved & threatened to face dire consequences. Even, we proposed you that we may consider Rs.10000/- for petty expenses at the time of disbursement. 12. We have not said anything except for asking for quotations of items to be purchased. As per project cost You have wrongly written in your e-mail regarding his Highness the president of India . AGM, RASMECCC KARKARDOOMA Sir(s), With reference to your above statement I say that its totally fake and alleged points and you are still harassing me...(Seems to be a case like Syndicate bank manager scam). I have given you quotations for computers worth 27500/- + 42000/-.Also I told you I need cash as Carpenter Shutter wala other labour etc. cannot give quotaion and dont have Bank accounts. Regarding advertisement I have given an estimate as also I will give Lal kitab Kundli around 500 pages which will cost 3500/- per book for that I need to advertise in newspapers cable Bulk SMS etc.The software also for that Kundli will cost around 15000/- which I haven't shown in expences. Also Raw material, Helper Salary, Little Rennovation, Water arrangement, MCD 7400/- fees, telephone expenses, and some Hidden expenses day to day operating cost is required for that I need cash. You earlier did two physical verifications as you said Dealing Officer has changed and took long time, then you said a letter has been posted to you through bank which I never recieved, then you asked for medical fitness certificate and my fathers pension ID which is not given in Govt. loan guidelines. I think the Dealing Officer and Dealing Manager is unneccessary harrasing me, may be because of my earlier President Letter, I dont know why. I never misbihaved and threatened you of dire consequences thats tottaly falls alligation, I just said Ok I will write to President again and Higher authorities Instead your Dealing Officer said we dont give loan to medically unfit and you are unneccessarly harrasing me. Sometimes you want some document, sometimes you want something other while my documentaion is complete. Thats why I said seems to be a big case of harassment justlike Syndicate Bank manager Scam and Dealing Officer and Manager should be suspended ..also you are making false alligations through this letter and don;t want to give my loan. Also regarding 10% the Dealing Officer said keep it with you and when required I will guide yo for that for which cash is lying with me on intrest . Also I am not a fool that I will write to President of India unnecessaraly. 2 Lakh loan is not a big loan and I can pay my EMI easily once I start the project. Please Disburse my loan as soon as possible and oblige. Thanks and Ragards Sameer Kharbanda [protected]