| Address: 700091 |
| Website: sbi.co.in |
Dear sir,
Drawing your poignant attention i would like to bring your notice to the fact that i, doel mitra, a government of west bengal enterprise employee, had applied for a loan in the year 2015 to the bikash bhawan goc branch, salt lake kolkata.
The total cost of my property (Which is situated at vivekanandapally, south dumdum, kolkata-65) is rs. 13, 20, 000/-. When i applied for house building loan i submitted all the necessary documents to the aforementioned bank branch. My net salary was then rs. 21212/-. The chief manager, sri dheeraj jha assured me i will get approx rs. 10, 00, 000/- as hbl amount. But, after documentation was done and we came to know that the loan amount sanctioned was rs. 738000/- and sbi life insurance amounting to rs. 24000/- and my hbl account was also created bearing no. [protected].
The documentation, in the racpc, bidhannagar, salt lake, was done by sri goutam roy on 29.03.2016. I submitted all the money receipts, necessary cheques and other documents they wanted from me on the same date i. E. On 29.03.2016. But surprisingly, after 3 months have elapsed, now on 31.05.2016 i visited the racpc, bidhannagar and he (Goutam roy) is saying that he is not handling the case now. The case is now handled by smt. Shubhra dey.
Now, she is saying she has to go through the file from beginning as she was not handling the case and she was not aware of the case too. Then who, in original, is handling my case??? And to whom i would discuss the do's and don'ts. My hbl has already been sanctioned but she did not know anything about that, how it can be possible??? Does it mean that they are not at all interested to provide me my hbl which is already sanctioned???
In this context, i would also like to apprise you that sir, she is now saying about interim security for part payment, which was not previously informed by sri goutam roy on 29.03.2016 (The date of documentation).
Now, sir they apprised me that i have to deposit 30% of the loan amount (Approx. Rs. 2, 21, 400/-) as interim security, which is not possible for me at this stage because i have to pay the margin money amount of rs. 5, 82, 000/- and the cost of registration also because bank is not providing the entire loan amount.
Sir, they are saying that if part payment is done amounting to rs. 4, 00, 000/- they will deduct the full emi from my salary from the next month. Then sir why do i take loan from your bank? I am aggrieved of the harassment they are doing on me and also they are not responding me as well. I am just fade up of doing all these.
So, therefore, i request to kindly take into consideration of the above said matter or i will be compelled to cancel my h. B loan.
Sir, i am a simple salaried woman, and my father is a pension holder, my mother is a housewife and i am the only offspring of my parents then how could i take the responsibility of paying such a huge amount of (Rs. 582000/- and rs. 2, 21400/-) also my emi will be deducted (Rs. 6408/- per month) as well. If i knew these kind of harassment i have to face in every step, i did never take a chance to take house building loan from state bank of india. Because i also did not get my desired loan amount which was rs. 900000/- approx. But when the loan sanctioned amounting to rs. 7, 38, 000/-, i prepared myself that i have to pay the rest amount (In which i have already paid rs. 364000/-). Now, if the extra rs. 221400/- will be added to this i could not manage to do that.
So, sir you are requested either to look into the matter or cancel my hb loan amount as sanctioned as this will be of no use, because if i can pay (Rs. 582000/- and rs. 2, 21400/-) =rs. 803400/- then i could manage myself to pay rest rs. 738000/- too. But i would like to apprise you that i did not think that a brand name like state bank of india can do this type of harassment to its clients. I will take loan from other bank like united bank of india which is also tied up bank with our office but also it is a fact that, i never suggest any of my people in my circle to take a chance to get their h b loan from a bank like state bank of india.
Sir, we take home loan to build our small dreams but now i can see to fulfill my dream i have harassed so much like never before. Therefore, you are requested to kindly take necessary action in this regard and oblige.
This is for your ready reference and furtherance.
With regards
Doel mitra
Loan a/c no. [protected]
State Bank of India [SBI] customer support has been notified about the posted complaint.
We tried to reach you at 1:27 PM but were unable to connect. Request you to mail us the suitable time to call to address your concern. Our email id- [protected]@sbicard.com