| Address: Chennai, Tamil Nadu |
Dear Sir,
This has reference to the loan availed from SBI in 2008 towards purchase of husband's car Maruti Swift VXI. My husband had issued 60 post dated cheques from Citibank in the year he had availed the loan and the EMI payment of 8848/- was carried out by the bank till June 2011. Thereafter there was no debit of this amount from the bank from the CITIBANK account my husband held. However, he still had money totalling a lakh and odd and when repeated requests were made to the bank to come and collect the amount despite him visiting the main branch in Anna Salai, the gentleman came in February and took a cheque for 88848/- till period ending April 2012. The bank loan gets cleared in April 2013 and the same problem has yet again started. Despite repeated requests to send across a person to collect the money, the bank officials have not relented and today , the 22nd of March, 2013, in the morning when my husband spoke to one Mr. Narayanan, Chief Manager, SBI, Egmore, he agreed to send across a person to our company premises on Anna Salai. Now, my husband was ready to pay the amount of 1,06,176, which would ensure completion of the loan amount for the period availed. The person who had come over issued a document that showed this amount and an interest of 35000 that had accumulated this far, and it also says that the loan was availed on a floating rate of interest. I would like the following questions answered.
1) For irregularities from the bank side, why should I pay the penalty? The bank had lost the post dated cheques issued from June 2011 to the period of closure. Now, despite repeated requests from my husband's side, a one time payment of 88848 was paid in April 2012. Further, my husband agreed to make a payment of 1, 06,176, towards the amount outstanding for clearing the loan but was asked to not do so by the Bank Manager then, which acted in defiance to the rules laid by the bank. My husband also took a letter in writing from the bank official that the payment held true till the period ending April 2012 . Further, the SBI official who came over to take the cheque was asked to look up the post dated cheques issued initially, which the bank claimed they had misplaced. A few more calls followed and my husband had made it clear to ask the officials to come over and take the amount that was outstanding and to date, this has not been done. In the last two weeks, my husband has been getting calls from the bank asking us to pay and despite him telling them to come over, nothing has been done from the bank. My husband called up the Bank Manager, Mr. Narayanan, who heads the division in Egmore and told him about the callousness of the officials and about the irregularities committed by the bank in the last year, to which he had agreed. My husband further gave him our address particulars and asked him to come over to our place in Mylapore the next day and get the cheque for the outstanding amount to which he agreed. The person agreed to come before 11 the following day. While my husband was waiting till 11.30 yesterday, the 21st of March, 2013, no one showed up. My husband again called up the bank today and spoke to Mr. Narayanan, who said that he would send the person to our office and get the cheque from us. The person came at 1.00 in the afternoon and produced a document, where incorrect information of the amount was presented and an interest amount of 35000 charged towards the amount outstanding, which is plainly ridiculous.
2) No point of time was the term floating interest rate mentioned.If it were to be based on a floating rate of interest, how is it that the Bank until 2012 had a fixed EMI charged towards this loan? We need an explanation of this !
3) The Bank has been negligent in noting down details from my husband. Despite taking note of the present address at the place we are put up, the bank continues to send reminders to the Royapettah address, showcasing their lack of seriousness in handling customer complaints.
I would like you to kindly look up this and penalize the bank for all the distress that they have caused to day. I seek your assistance in this matter. Many thanks again.
Best regards,
Ruplekha and Pramodh Ishwarakrishnan
Aug 13, 2020
Complaint marked as Resolved
I opened an SB account at SBI- Lanjigarh branch, dist, Kalahandi. at the time of opening the account I Bidyadhar Mahalik, SIS company the employees there had delayed it to 8 month because of various silly matters.which had caused me a lot of Inconvinience.Excuse me sir help you do just so my account lanjigarh Branch in Chennai, in Chennai that want to branch transfer Thaousand Light, Please Help me Let you, call the coustmoer also tired of Care There was still no solution for that what to do?My mail Id bidya. bm @ gmail. com / bapu_malick143 @ yahoo. CO. in
You have the mobile no - [protected], and my account no - [protected] Now I shifted to Chennai and i want to transfer my account from Thaousand light to Chennai (Thaousand light branch). I gave my passbook to Chennai branch for transfer they have sent the passbook & request letter to Lanjigarh branch,This has caused me a lot of problems
please do the needful
yours sincerly
Vikram Pai