Just to fulfill target, Standard Chartered Bank (SCB) Loan Team is harassing customer like anything till the customer thinks that he/she is a bagger and only SCB courteously helping him or her by giving me loan (approved 230000/- and given 154000/-) with heavy interest and delay.
Ratandeep & his team (SCB Office at Bahadur Shah Zafar Marg, Delhi) called up and requested me for a loan on phone on behalf of my card (maintaining with you since 1999 / 2000) without blocking my limit for Rs.230000/- (double of card limit) plus air ticket for any sector across the country and 2nd ticket on 50% discount. After a delay of atleast 1 month and several reminders, they sent me cheque of Rs.154000/- only and said very easily that if I want they will arrange balance Rs.76000/- against my card limit for air ticket they said, it will reach you within 10-15 days as the same will be issued by Indian Airlines
On their personal assurance I availed the loan facility of Rs.154000/- and waiting for ticket and after 20-25 days when again I contact them they said it is already courier to you, they will check and get back to me again after week, when I checked with them, they said please take the courier details from Call Center helpline, as they have all these type of details when I checked with call center people, they said my loan was not under air ticket offer as the same was till May’07 and my loan was sanction in June’07 after telling the whole story to the Manager of call center (Ms. Neha) she helped me and arrange to sent the attached voucher in September, but she assured me that the voucher will be valid for 6 months from the date of receipt of voucher.
When I received the voucher,
1. it is valid upto 31-Oct-07 with some categorized sectors
2. I contact Neha and informed her about the same, she said she will check and get back to me but now she is neither replying me nor coming on phone
3. while contact Friends Global, they said it will not be revalidated, only eligible as per sectors mentioned and no second ticket will be on 50% off
4. they also said that if I want I will book the ticket with a particular date (comes within year) before 31-Oct-07 and if I want to postpone or prepone the same Rs.100/- per sector will be charged.
Please help me, now as the sectors mentioned are all business centers and not holiday places, either give me DELHI-GOA-DELHI with 2 ticket on 50% off or refund me for all the harassments done by SCB people
or give me atleast one more ticket for my husband, because I will not travel alone and if we go together the other ticket will cost high
or give me your final decision so that I will send back the ticket to you as a GIFT from my side for atleast listening the whole episode and understanding the harassment and how these people are cheating customers like me.
The whole above story I had wrote on 05-Oct-07 to SCB people (Samuel & Sachin, Bangalore) on their request, but nothing responded till date, infact I received calls (2 times) from somewhere from Delhi SCB around 6 p.m. but I had requested them to talk to me around 7 p.m. as I was travelling that time not able to listen properly but they said they will call up next day morning around 10 a.m. for which still I am waiting and tried on their no. 66400335 several times but always going no reply as usual. instead again next day around 6 p.m. after my mail request to them, I received a call from one lady executive from SCB (tel no.[protected], while I was driving back to home. I think now they people are only passing time so that validity will lapse and they can easily able to tell me that “sorry mam we are not able to do something or other excuse”
Secondly now what SCB Delhi executives wants to know from me instead I had already wrote each and everything to them, still they are calling me (as informed you) and asking me that I have some problem in credit card or some air ticket, etc.. Please it’s now look likes that I am bagger and that’s why I had last time requested SCB to give me response in writing, otherwise I am returning air ticket back to them as a gift from me to them.
Aug 13, 2020
Complaint marked as Resolved 
This has further to my complaint dated 23.08.2007 (copy attached as Annexure – ‘A’ page 1 to 2). After this complaint Bank approached me vide email dated 05.09.2007 (copy attached as Annexure – ‘B’) reducing undue charges from Rs.16072.00 to Rs.3790.29 only. On denying these charges and asking for documentary proof, they sent me dispute form for Rs.3790.29 only and confirmed that other unjustified charges have been reversed. Necessary dispute declaration form was sent to them on 28.09.2007 and I had considered the account settled.
On 18.10.07 at around 4.00 PM, I received a call from mobile No. [protected] identifying himself to be Mr Pravin Kumar from Delhi Police that he has received Non-Bailable warrants in my name and DCP has specially given him this case and DCP himself is pressurising him to arrest me immediately. He refused to disclose the reason of warrants and given me number of Mr. Junez Khan Advocate of Bank in Delhi Tel No. [protected].
I personally spoken to Mr Junez Khan at above number and explained that against an amount of Rs.16072.00 bank has already confirmed their mistake and had given final amount as Rs.3790.29 vide their e/mail dt 05.09.07. When I informed bank vide my mail of same date that this transaction was not made by me, bank sent me a form to fill which I sent on 28.09.07. After listening this also, Mr Khan suggested me (around 5.30 pm) that I must deposit this amount today itself and fax him receipt at fax No.[protected] failing which police will execute the warrants tonight itself and arrest me.
I approached Bank Customer Care Officer Sherlina Narayanan who had confirmed settling above dispute (copy of email dated 18.10.07 attached as Annexure – ‘C’). This email was acknowledged by Customer Care Officer Sherlina Naryanan same day vide email (attached as Annexure – ‘D’) assuring to revert back immediately. After that I sent two reminders vide email dated 19.10.2007 at 12.35 PM and 1.12 PM requesting to inform the status but there was no reply and till today there is no reply. Ultimately in order to avoid any complication rising out of alleged issuance of Non-Bailable warrants, I deposited the total amount of Rs.16072/- and faxed the receipt to said Mr.Junez Khan, Advocate of Bank at Fax No. mentioned by him although the Bank Customer Care Officer already confirmed outstanding of only Rs.3790.29 which was also accepted by Bank to be investigated under dispute.
The un-desireable, un-justified and illogical conduct of the officials of the bank as well as that of Mr.Junez Khan, Advocate for the Bank and Mr.Parveen Kumar, Inspector of Delhi Police, apparently proves that the bank has played a mischief with me in order to extort a sum of Rs.16,072/- (Rupees sixteen thousand seventy two only), which are not actually due. Mr.Junez Khan by mis-representation and threat o[censored]sing powers to arrest me by so called Mr.Parveen Kumar Inspector, Delhi Police has acted against the professional ethics. I reserve the rights to proceed legally against said Mr.Junez Khan, Advocate for the Bank and Mr.Parveen Kumar, who claimed himself to be an Inspector of Delhi Police.
The Bank by their acts and conduct of omission and commission have indulged in un-fair trade practice to recover admittedly un-due amount, by playing mischief and fraud upon me, which caused mental tension for me. I was made to believe by the telephonic call of Mr.Parveen Kumar, alleged to be an Inspector of Delhi Police that certain action is being taken against me. I felt insulted before the persons, who were present in my office at the time of phone call made by Mr.Parveen Kumar for my arrest on the basis of alleged Non-Bailable warrants of arrest. The acts of the Bank apparently prove that they hatched a conspiracy to extract money from me by wrongful means and with a common intention and object, they executed their plan and extracted the amount. After the payment was deposited their Customer Care Deptt. did not even acknowledge my mails. The action of the Bank is certainly un-fair trade practice as well as deficiency in services of the Bank.
By the acts of omission and commission of the Bank, I have suffered mentally as well as financially.
It is requested that necessary action may please be taken against the said Bank under provisions of law.
Regards,
RAM DHARI SHARMA
MANAGING DIRECTOR
SAFARI BIKES LTD
E-650, PHASE - V, FOCAL POINT
LUDHIANA - 141 010 (INDIA)
PH:[protected]