SBI — sbi wrongly charged for not submitting rc book

Sbi — wrongly charged for not submitting rc book

I have purchased Dezire worth Rs. 8.80 lac for which I have made down payment of Rs. 5.80 lac from my hard earn money and taken car loan of only Rs. 3 lac from SBI Raipur, Bhilwara. On this loan I am paying EMI of Rs. 5500. At the time of loan procedure, I have not been informed by loan manager about submission of RC book to the bank. And now they have charged fine of Rs. 2950 for not submitting RC book. During initial 3 months I have not received any intimation mail /SMS or call from bank regarding the same and suddenly they are charging me fine.

I have visited bank and also submitted other documents as asked.

In last 3 months I have visited bank thrice but neither of your staff has informed me about RC book submission nor I have received any formal notice regarding the same. My car was registered on very next day of purchase and I was having RC book after 1 month. If I would have been aware about submission or any of your staff would have asked me about the same, then why I would have avoided the submission. You people send regular alerts regarding EMI payment but no SMS/ E-mail regarding failure of RC book submission? If I will stop paying EMIs then you will come to my place for collection then why there is no such procedure for other necessary submissions?

When I raised complaint [protected] online regarding the fine, bank closed the same and replied that proper relief will be provided

They are misleading me which is a mental harassment and I am under tremendous pressure due to the same.

Branch Manager has also agreed that they have not communicated regarding non submission of RC book and apologies for the same. He also assured me that he will take the issue to head office and reverse the charges.Now they are denying to do as same

Sir, I work very hard to earn every single rupee. Rs. 2950 is a very big amount for me. I have taken only 3 lac loan. Also I am a punctual borrower whose non of the EMIs has been delayed. Still you are charging me such a big fine. On other hand people like Vijay Malyya are eating up the entire banking system and still moving freely. Then what is the use of me following the rules strictly? Give me one valid reason, even after this injustice, why I should pay back my loan as per rule and not default the same?

I request you to please reverse these charges. Mob. [protected]