State Bank of India [SBI] Complaints & Reviews

Complaint state bank of india
dear sir,

with due regards I wish to bring it to your kind notice that I am running a dealership of royal enfield motorcycles at dharamsala under the name Him Enfield and have a cash credit limit with your bank for rs 1000000 (ten lakh) since aug,2003 under the account at dharamsala himachal Pradesh branch of state bank of India.

In the month of march 2010, I sold one motorcycle to one of my customer sidharth rana for which his parvatiya gramin bank issued me a multi city cheque. The motorcycle was deleivered to sidharth rana on 28th march and he made me the payment for the same on 31st march 2010. The customer wanted to get the motorcycle financed by his bank in chauri, chamba but the bank refused to finance citing annual closing as the reason. The customer had a cash credit limit with the parvatiya gramin bank,chauri, distt chamba and the bank allowed the customer to pay for the bike using a cheque from cc account.

As I had sold the motorcycle on 28 march and issued the bills for the same on that very day I did not put any dd or cheque no in the bill. When the customer gave me the cheque on 31/3/2010, I deposited the same in my ccl [protected] in your bank either on 31/3/2010 or on 2/4/2010.

A few days later I checked my account balance and it was ok which meant that all the cash deposits and the cheques I had deposited in my account during the month were cleared.. Month end I usually destroy all the receipts and your bank is not in a habit of issuing monthly statements to the customers.
Everything was ok since august 2010, when one of the bankers called me up to inform me to deposit rs one lakh in my ccl immediately. On asking why I was told that on 28th of march they had wrongfully deposited an amount of rs 103960 in my ccl account. As I maintain my stock statement regularly I immediately understood that if one wrong entry has been made to my account it is also clear that one of my entries was missing. I told the banker about it and was told to first deposit the amount and only then the bank would check my problem. I checked my statements and found that one cheque issued by siddhart rana of parvatiya gramin bank was not cleared but in month of march my account balance tallied approximately making me to think that all cheques were cleared and hence I damaged the deposit receipts for the whole month..
When I told the banker that once you help me to find the misplaced cheque then I will deposit the amount in my ccl he told me that we know how to recover it.
I within two days deposited the said amount in my ccl and the wrongfully entered amount was recovered from my account.

But the status of my misplaced cheque still remains a mystery. I deposited the cheque with your bank and put it in the drop box of the bank.
I strongly reckon that the bank had misplaced my cheque and so no amount was deposited in my account. Either to patch up the issue or by mistake the bank put some nearby amount in my ccl and made my balance ok and there was nothing wrong till I came to know about this episode.

Once the bank has lost my cheque I have no legal right to claim it from the customer and by the inefficient and careless attitude of the staff I have been duped of an amount of rs 79900 and the bank staff has nothing to lose.

I feel the cheque was never send to the customers account for clearing and after this episode when I called up the customer to check the details the customer knew that I had lost the cheque and no money went out of his account against the motorcycle he purchased. He talked to me for a couple of days and then stopped picking up my phone and bluntly said that he can do nothing about it.

Sir, because of negligence of you bank I have been duped a sum of rs 79900 and after doing this the bank instead of cooperating asked me to go to the chamba banker and resolve the issue. I know I have lost the cheque number without which neither I nor you can do something but this sort of negligence on part of your bank is not expected.

But this was not one issue. I now feel guilty of not checking the banks transaction over the years and I feel your bank has duped many customers who do not chech their accounts regularly.

2. This is not the only issue. On 28 the march 2010 I deposited a cheque of Punjab national bank for rs 50000 in my account [protected]. the said cheque was also misplaced by your banker but as that cheque was from a local source I managed to trace it and got it reissued but I could get the payment for the same on 10/8/2010 almost 4 months later, owing the delay to the negligence of your bank staff. This time too the banker refused to sigh the declaration that he cheque has not been paid.they asked me to leave a copy of it and said they would do it when they are free refusing to give any time limit.
I met 4 of your officers to get this work done and finally it was done within no time.

3. on 10/8/2010 I deposited a demand draft worth rs 101800 bearing no 763483. still I have not received the payment.

4. on 13/8/2010 I issued and deposited a cheque for rs 21700 on state bank of dharamsala to be paid to my supplier in state bank of india , palampur account vied ch no 905399.
The cheque is still not cleared and the bank has no where about the cheque and most of the time one visits the branch there is no concerned officer to listen.

5.in the last 7 years I have never received a hardcopy of my bank statement and everytime one asks there is a blunt reply.

Why is the biggest name in banking so relaxed about the money of the people and this sort of relaxicity is not expected from the state bank of India.

6. For over one month now I have given a request for cheque book issue, but am still waiting for the same.

7. Not only this the attitude of the bankers towards the customers is also a matter of concern;
Everytime the bank seems to be selling other products like plots and some personal schemes of which they are members rather than providing banking services.

I am surprised why in all these years some senior official visited the banks to check out how they work.

In the old branch the telephone num,bers of the help centers were displayed, now the new brach is even not displaying the numbers.

The gaurds use foul and offensive language in case someone talks on phone within the building but the bank staff can usually be found talking on their cell phone without any check. Why these double standards.

I am surprised to see such a working and an unfriendly customer attitude of one of the biggest name in banking THE STATE BANK OF INDIA.

I can only request you to train your staff to be a bit professional and not to play with people’s hard earned money. A few of your staff members have been working in this Brach for years together but are totally unaware of the work ethics. I don’t know if I should take up this issue with the consumer redressal forums and the banking lokpal and also the notice of the media in which your bank regularly gives ads about its customer friendly attitude.


Regards

Deepankar kapoor
State bank of India customer, dharamsala branch

Three times I had approached the SBI Branch at Mukundarayapuram Branch,BHEL PROJECT,632 406 for the Multi option Deposit Scheme for my outstanding balance amount in my SB A/c.Both the time iam not able to get the form and to meet the concerned officials due to his leave as told by the Branch manager.3rd I had submitted my application received from other SBI branch to the concerned official thro'the Chief manager of the branch.Chief Manager conveyed me that will be looked into during June-2010.
Below the Copy of lettersent to the concerned in the form of E mail is enclosed herewith for your kind information.



To
The Chief Manager,
State Bank of India,
BHEL Project Branch,Mukundarayapuram,
BHEL Township,
ranipet-632 406.


Sub:Multi Option Deposit start up and password for Net Banking.

Respected Sir,
In person I came to your branch on 21st June 2010 for the opening of MOD
and to avail the Net banking facility.But,due to absence of the concerned
Incharge for the above,you asked me to come in the next week.

Then once again I came to there in person on 30th June'10 and contacted
you,then as per your guidance I had contacted the concerned Incharge and
submitted the relevant forms for the same.

When I went thro' the mini statement I found that my SB a/c was not
converted into MOD scheme.

For the net banking I received a Username from SBI DESPATCH,Chennai-600097
on 15th July'10 with the message as the second mail may be sent after a
week for the Password.So far I have not received.

So,I request you to do the favour to send the password and to open the MOD
immediately.

Thanking you,
Yours Sincerely,
M.RAMU.

Hi Team,

I have been using SBI Credit Card for last 2.5 yrs. This month statement was strange, they have deducted Rs 500.00 + Rs 51.50 excess charges for exceeding the usage credit limit, ideally I should not be able to shop if the credit limit exceeds for ex in my case the credit limit is 16000 and cash limit is 6000, my expenses has crossed 16000 on which they have charged 551.50 excess charges. Kindly help me in this issue as I am not willing to pay any extra amount for which I have not shopped.

SBI Spicejet Card No.: [protected]
I have really felt cheated after receiving the credit card statement of SBI card.

When I was filling the Application Form I was clearly told that there is no joining fees and annual fees on the card. However, Rs. 2204 in the first statement itself.

I feel realy cheated.

I would like SBI card department to really look into the matter. Either they should waive of the fees or take back the card......

Regards
Contact no [protected]
[protected]@hotmail.com
Amit

Dear sir
I m a accountant of goverment Hospital Ichhawar district Sehore, i operate my Goverment accounts in sbi Ichhawar branch ( code10818),i regeguest them for geting my govermnet accounts cheque book to branch manager sbi ichhawar but after 10 day still i didnt got my cheque book and it will creat problems for all the govermnet payments. i contact the branch for it but didnt recevied any staisfactory answer regarding my problem.pls help me in solveing my problem

yours faithfully
Rishi Rathore
( Accountant )
Govermnet hospital Ichhawar dist Sehore (m.p)
mobile no. [protected]

Dear Sir / Madam,

I am a dedicated member and prolonged user of SBI Internet banking.

I wanted to book 2 tickets through SBI Internet Banking from HWH to YPR on 24.08.2010 at about 11.30 AM, the date of journey being 21.10.2010 in HWH-YPR Express (2863 Up).

The amount of the ticket being Rs. 2768.00. My transaction to book eticket failed at your end, with an error message - "We regret that the booking of your ticket could not be processed at this time as the transaction with ref. No. [protected] was not authorised by your bankers. The failure may also be due to some sort of inadequacies in your card / bank account. You may kindly try using another valid card / account."

But the said amount was debited from my bank account (SBI, Kacharakanahalli Br. (Code- 7988), Bangalore - SB Account No. [protected]). And my internet banking statement showed - " 24 Aug 2010 - To Transfer INB IRCTC Railway Tckt booking - Ref No. [protected]IG27433196 TRANSFER TO [protected] SBI IRCTC COLLECT - 2768.00"

This was a very poor show of professionalism and consumer care. I request you to kindly make necessary arrangements to refund the same to my bank account as soon as possible .

Looking forward for your prompt assistance.

Yours Sincerely,

Advocate Subhojyoti Acharya
[protected]@gmail.com

Sir/Madam,
I am having an s/b account with SBI Tagore Garden Branch New Delhi,i'm unable to use online SBI with User ID & Password provided in internet kit!

Details Of My Account are:

ANKUR KUMAR

Customer No. [protected]

A/c no. [protected]

after using the user id & password provided to be by the branch i'm unable to login since my 1st attempt !Not even a single successful login using the deatils provided in
Internet Banking kit!Kindly do the needful.

24/08/10

Sir,
With due respect, I would like to inform you that Rs. 20000.00 has been debited from my A/c No. [protected] by an unknown person (as per video footage provided by SBI) through duplicate ATM card at 09.09 AM on 20/08/2010 from SBI ATM Machine (Machine No.-S1cc[protected], sector-30, Chandigarh. At that time I was in my office and my ATM card was with me only. I have informed SBI, sector-30 branch office immediately after getting SMS alert regarding withdrawal from SBI. They assured for appropriate action against this act but even after getting the intimation so many other withdrawals from various ATM cards have been taken place on the same day between 11.55 to 12.15 by same unknown person from another SBI ATM machine (Machine No.-S1CN[protected] situated at sector-49 (Camera footage are also available for the same). The footages have been submitted in industrial area police station and cyber crime branch, sector-11 on the same day by me.
It shows the daring of an intelligent criminal and helplessness of our safe and secure more than 200 years old SBI. A person is taking away all hard earned money from people’s account within second without their knowledge and roaming freely in the city. The question is that from where he has got duplicate SBI ATMs with their PIN details without knowledge of SBI authorities.
In last three days I have tried my level best to get help from every possible authority to stop this act but all is in vain. I think nobody bothers till it happens with them. This is really a very very serious issue and your kind attention is required regarding the frequent unauthorised withdrawal of money from SBI ATM cards by unlawful means and necessary actions to recover the hard earned money.
I will be highly thankful to you for your positive response.

Yours truly

(Ankur Trigunayak)
Scientist B,
T.B.R.L., Sector-30,
Ministry of Defense, DRDO, Chandigarh
Ph: [protected]

Family pensioner S.B. A/c. No. [protected]. At the age of 70 years and being physically challenged applied along with doctor's certificate for allowing her to make transaction by affixing L.T.I. instead of putting signature on cheque which she used to. She has been advised verbally to surrender cheque book and to submit claim form duly attested by two witnesses and doctor's certificate in every month during withdrawal of pension through withdrawal slip.

In the situation, I being the son of her would like to request to please make an arrangement of easiest of way of transaction so that without bearing any tension and or physical hazards she could able to get her family pension regularly.

PALLAB KUMAR BANERJEE
RAMKRISHNA PARA, DANKUNI, HOOGHLY

Dear sir/ Madam 22.08.2010
Non action of my corrigendum PPO No.08/B/COOR/54288/2009 since january 2010. in this regard a written complaint lodged to my parent branch on 06.07.2010 ,But no result so far.I am losing my interest on account of my arrears since then. The above said corrigendum PPO was received by SBI main branch in Jan 2010 and further sent to SBI (BU campus) Muzaffarpur where it was received on 27.01.2010. From there, it was sent to CCPC SBI, IVth floor, JC Road, Patna ,followed by a number of reminders as assured by concern SBI staff of my branch ,but again the result is negative.
Please look into the matter, let my faith to be continued in the services of SBI.I am a Very old customer of yours.
Thanking you sir.
Yours faithfully
Ram Manohar
(CODE-SBIN0001519)

Today every company is concerned about customer service and their satisfaction...and why not...this is the mantra of their long term sucess and sustainbility. But, the PSU have little to do with this. SBI who is leader in indian banking industry seems not at bothered about customer service, I dont know what Shri O. P. Bhatt has the opinion on the matter, but atleast the branch people dont care for their customer. Yes, every branch manager gives the best possible service to handful of good clients but the same is not appicable to the mass vising the branch.

I had a disappointing experience with one SBI branch in Allahabad, I was asking for a FD form for making some FD. The guard directed me to a office lady who said the form is kept in the custody of one desk officer and he is out for some time. I saw the bunch of FD forms kept by the side of a female officer and request her to give one but to my utter surprise she replied that "I dont know, contact the office lady". I said the form is there by your side, please give me one. This time a bit rude she replied " I don't know" its not in my custody." I again request that there is not question of custody of form, you are an office and the form is just by your side, please give me one. She got more rude and said "I don't know wher the form is contact the right person, I am not the authority for it". I went to the branch head and request for the form and one his advise I got one FD form. Now who will make that lady understand that I am a customer of SBI and was asking FD form for making term deposit. The amount of Term Deposit was a business for SBI but it has no meaning for the lady officer. She have never ever anicipated that if she keeps on behaving like this, she may annoy the customers and ultimately her bank will loose the business. But I am sure most of the SBI officers in branches dont care for this...and the same reflects from their attitude.

Next day I went to the same branch and requested to close my saving account. The branch manager advised not to close the account giving the reason that "you are among the lucky people to have the account with SBI". Keeping the incident day before, his words was just an irony for me.

The clerks/officers just feel that they are the superiors and the customers should bend on the toes for getting the service from them. Gone are the days of this kind of bureaucracy, Pvt sect and some PSU banks (even SBI in big cities) have understood the importance of customer retention and are adopting all possible measures to keep the customers satisfied with their services. But I would say in terms of service (to masses), the private sector banks are far better than PSU banks.

Sir,
I have received a mail quoted below .
Dear Applicant,
Ref: “VIDEOCON” Direct Recruitments offer.
It is our good pleasure to inform you that your Resume has been selected for our new plant. The Company selected 62 candidates list for IT, Administration and Production Departments, as well as Company offered you to join as an Executive/Manager post in respective department. You are selected according to your resume in which Project you have worked on according to that you have been selected in Company. The Company is dealing in Electronics manufacturing business in India The Company is recruiting the
candidates for new plants in Delhi, Bangalore and Pune.
Your interview will held at Company Corporate office on – August 28th 2010 at
11.30
You will be pleased to know that Company has advise you in the selection panel that your Application can be progress to final stage. You will come to
Company corporate office in Delhi.
Your offer letter with Air Ticket will be send to you by courier before date
of interview. The Company can be offer you as salary with benefits for this
post 40, 000/- to 2, 00, 000/- P.M. + (HRA + D.A + Conveyance and other Company benefits. The designation and Job Location will be fix by Company HRD. At time of final process. You have to come with photo-copies of all required documents.
REQUIRED DOCUMENTS BY THE COMPANY HRD.
1) Photo-copies of Qualification Documents.
2) Photo-copies of Experience Certificates (If any)
3) Photo-copies of Address Proof
4) Two Passport Size Photograph
You have to deposit the (Cash) as an initial amount in favor of Company HRD.
Department. for Rs. 9500/- through any [STATE BANK OF INDIA]Branch from your Home City to Company Senior HRD. Account NO, which well be send to you upon your response.
This is refundable interview security deposit. Your offer letter with Air tickets
will be send to your Home Address by courier after receiving the confirmation of interview security deposited in STATE BANKOF INDIA . Company will pay all the expenditure to you at the time of face-to-face meeting with you in Company. The Job profile, salary offer, and date -time of interview will be mention in your offer letter. Your offer letter will dispatch very shortly after receiving your confirmation of cash deposited in STATE BANK OF INDIA.
We wish you the best of luck for the subsequent and remaining stage.
The last date of security deposited in bank - 26/08/2010
You have to give the information after deposited the security money in bank
to Company HRD – direct recruitment email ID: [protected]@worker.com.
Your Letter with supporting documents will be dispatch same time by courier to your postal address after recd. Your security deposited confirmation in bank. The interview process and arrangement expenditure will be pay by Company. Lodging, traveling and local conveyance actual will be paid by Company as per bills. The candidate has to deposit the initial refundable security as mentioned by HRD.
If the candidate wants to come with his parents or friends, the Company will
arrange all facilities only for female candidate.
Thanks
MR MR AMITH VARMA. (Executive - HRD)
Videocon Electronics India Ltd.
H.O. - 174, Vediocon House,
G.K. Part – 1, Greater Kailash,
Contact EMAIL :[protected]@worker.com

Unquote. On replying this e mail the following account no. received . Quote.

Videocon Electronics India Ltd.
H.O. - 174, Vediocon House,
G.K. Part – 1, Greater Kailash,
E-mail;[protected]@Videocon.com

Dear Applicant,

You have gotten our profile mail and as instructed will you follow and then as per the mail we will be needing you to read it carefully and not down your details for interview and location as well as we will be sending you the flight ticket and but first we would require you to pay the above fee mention to you through this below account details in the nearest branch and on the name below as well ..Upon which you have done so please kindly send us the payment slip through mail for confirmation as it will help us facilitate the documents for the ticket and others required for the preparation for your interview date. Below are the account details for payment.

STATE BANK OF INDIA

NAME:GAFAR KHAN

A/C NO:[protected]

Employees are advised to keep original receipts and evidence of payment on the day of their interview.

We look forward to a mutually rewarding association with you.

NOTE: Your required to confirm us with payment slip as soon as possible. After you have make the payment ...

Regards.
MRS SUMAN KHAN. - (Executive - HRD)
Videocon Electronics India Ltd.
H.O. - 174, Vediocon House,

Unquote .
Sir seems this account holder is fraud. Please check either this account no. [protected] belong to Videocon Electronics Company or other wise . Please take action if it is fraud.
A g khan
[protected]

Sir,
I am retired person, taken VRS from CRPF (MHA) on 1st Aug'2009.My PPO (No.[protected], sent by CPAO New Delhi vide SSA[protected]/674287 dated 25/02/10, on 5th March 10 to CPPO Lucknow. This Pension Payment Order is laying pending in ACIE Gajraula Branch since April'2010 and no action was taken by bank till last month to draw my pension and commuted amount, whereas I have submitted required Life & Undertaking certificates during First week of May'2010. Kindly inform me by which reason my pension and commutation amount not yet credited in my account [protected].

Name : Abdul Gaffar Khan
Vill. Tanda, PO. Peepli-Daoud, Teh. Hasanpur, Distt. J P Nagar
Account Number: [protected]
Branch Name: A C I E Gajraula
Email : a.[protected]@yahoo.com
Phone No : [protected]
Mobile No : [protected]

Dear sir,


I have applied for cr card and it was issued ,,

The courier company has not yet delivered the letter to me yet.. They have contacted me over the phone
and promised to deliver the same 3 days ago.But still i hve not got the same till today. Can you pl help me to send me the ph no and the name of the courier company, so that I can contact them.


Murthy BLN

[protected]

Dear Sir,

I would like to inform you that I took a SBI credit card long before and surprisingly I found that Royal Sundaram Life insurance policy was automatically activated with my card and the charges for the same was deducted from my credit account.
I then followed it up both with Royal Sundaram & SBI credit card for cancellation of the policy and after putting hard effort I could manage to cancel the policy from Royal Sundaram and the money / charges were also returned back to my credit account by them.
To my next surprise I found that SBI is still charging money from my account as if I am using the credit card for any transaction. Since I faced issue with this card, I have never made any transaction with this but still they are demanding money from me. A few days back I got a legal notice from SBI stating that I have to pay Rs.16000 (approx) as charges otherwise they would take necessary action.
I would request your intervention to sort out this issue as I do not want to loose my hard earned money by means of this type of fraud activities.
My credit card account no:[protected]

regards,
Rakesh Mukherjee
email:[protected]@yahoo.com

CouldNot Proceed Due To PY20006-Invalid Brand. this error is coming up when i tried to pay through my sbi debit card. what should i do?...

Hi,

I had applied for internet banking for SBI. I had recieved the internet banking password and username. it was informed that it will get activated in 2 working days. but still it is not activated. When tried to login its giving Invalid username and password


Please find the details below. Please let me know when can i get the net banking activated

Bank account: [protected]-5
Branch: 03023 - RAJAJINAGAR V BLOCK 13, 10th `B' Main Road, 5th Block, Rajajinagar, Bangalore 560 010
Pin: 560010
STD Code: Karnataka
Phone: 23402110,23350506
Fax: 23400682

kit number - [protected]
packet number - 73935
circle code - 13
serial number - 73

Regards,
Vikas

i have read the ad of online earning at home. i have deposited Rs.325/- at sbi bank branch. but i have not still got any reply. the address to which i deposited money is" karthikeyan v tiruchengode at tamilnadu..with A/C no.[protected]" through sbi bank. i am so disappointed. its a fraud. we hope to earn money but all this is fraud with consumers. please take actions as soon as possible......

My Sister in Law had applied for housing loan of Rs 5 Lakhs on 08 May 10 at Kondwa branch SBI . It took one month for the bank to forward the documents to RACPC Pune . My brother had signed as co applicant although the loan was planned to be payed by my sis in law through her income alone. Unfortunately my brother expired on 21 May 10. Hence my sis in law went to inform the processing department. Mr Akhilesh (processing dept) very insensitively replied that we cant help it your husband has to be present for disbursement .She tried to explain him that he is no more hence it is not possible.As it is she had been the main applicant and loan was being processed on basis of her income alone. The official acted very rudely with her and said pse get your husband. He did not make ant attempt give any solution to this unforeseen situation and over and above was rude with her. Later on my sis-in-law approached Mrs Ruikar who is the Legal advisor of SBI RACPC who explained the procedure of an afidavit and NOC from builder to overcome this situation. However Mr Akhilesh is purposefully not looking at the file and avoiding work. He has on many occasion spoken rudely to my sis in law who has come crying home due to his behaviour. When the lawyer went to explain the solution he was not ready to listen to her and misbeahved wit her too. To my surprise even if my sis in law approached his superiors but there seem to be no control on this person he continues to behave in an irresposible manner. When we approached on 21 Aug he told us that he has not even seen our file. Its been three months since my sis in law is running from pillar to post to get her loan approved but no avail. Mr Akhilesh needs to be taught how to treat customers especially ladies that to during circumstances where she has lost her husband recently.

Dear Sir / Madam,

Deficiency in services Fraud in commitments and selling the unauthorized products for illegal profit.

This has reference to the above.

I had been given the following offers by the SBI CRIDIT CARD PRIVILEGE CIRCLE.

1. One Polo Club wrist watch, (where in they claim MRP is 7000/- )
2. One side of air fare for any destinations in India.
3. 2 night and three days of stay in any of your listed hotels.

The above offer was available at the cost of 6600/-


1. I approached your team to check the authenticity of the wrist watch as the watch is well known brand across the map. I was shocked to see the quality of wrist watch for which I had been charged the aforesaid amount and taken aback to note that SBI credit card team privilege circle team denied / refused that there is no authorized dealer / store / distributor for branded watch and no warranty for the same, further argued that the same is mentioned in offer .

There is no serial no and modal no also mentioned over the same article.

2. I was promised to have one side air fare from MUMBAI to DELHI, which did not come under the plan. Since the team itself claim that , they record all the telcon but ultimately refused to provide the same.
.
This contradicts with my case. This clearly indicates the malafide intention of the Company to
misrepresent to the public at large just to sell and to make illegal profits at the expense of the
unwary customer/public.

If I would have visited to any of your listed hotels , I am confident that I would have not find the same.

This has caused me immense mental pressure and harassment as I am not able to concentrate on my work and I have lost precious business due to the same and have incurred a loss to the tune of nearly Rs.10,00,000/- (Rupees Ten Lacs Only), which I would have otherwise benefited by using the that time.

Kindly note that the above situation is against Good Marketing Practices (GMP) and against the
trade.

I expect the situation to be rectified immediately on the receipt of this letter, failing which, I will
be constrained to initiate appropriate legal action for claiming my fundamental rights under the
Constitution of India, the provisions of IPC and Consumer forum for the above loss and damages
at your costs and expenses which please note and further advertise the same in the press.

Thanking you,

Yours Sincerely,

Kunal Priyadarshi.