[Resolved] State Bank Of India [SBI] — home loan life surkhsa policy | |
The assistant general manager dated 30.11.2017 State bank of india-loan branch Pragati - bhawan, phase-iii, Urban-estate, patiala. Subject:- false commitment by the bank authorities in regard sbi-life suraksha against my house loan account no.[protected] of rs. 5.00lac. Dear sir, Further to my letter on 06.09.2017 receipt by you on 09/09/2017. I wish to inform you there is no specific reply heard at your end till in the two month although i tried contact you for the above on mobile again and again. Once again i humbly request you please consider the decision of the above issue in favor me because i am not able to pay rs. 1950/- extra in per month which has been imposed by the bank authorities without my approval/knowledge, now i am going to retire shorty and not getting an handsome pension amount to bear the extra insurance premium. This all the matter already explained to mr. Vinit sir as well as in my previous letter. Thanking you and assure to get an favorable reply at your side as a valuable customer-bank relationship. Yours truly, Ajay kumar rastogi, 2301, phase - ii, urban - estate, Patiala Mob no. [protected]. Housing loan account : [protected] of rs. 5.00la Cc:- branch manager, State bank of india Court branch, distt court. Patiala The assistant general manager dated 06.09.2017 State bank of india-loan branch Pragati - bhawan, phase-iii, Urban-estate, patiala. Subject:- false commitment by the bank authorities in regard sbi-life suraksha against my house loan account no.[protected] of rs. 5.00lac. Dear sir, I the undersigned continued adhered farmer sbop, now sbi since last 8-9 years for housing loan and paying regularly all the instalment without any leakage. My first loan had been transferred from icici - bank to sbop, court branch, patiala during the year 2009 an amount rs. 2.03 lac. Due to credibility of fare house loan dealing without hidden charges, since the period of 2012 i have expanded further my loan amt. Of rs. 5.0lac for construction of 1st. Floor, in this subject all the processing of expansion of loan done at the loan branch were situated at near petrol-pump urban - estate phase-ii, patiala under the supervision a senior bank official mr. Hardeep singh, he added my wife name (Nidhi rastogi) as a co-partner for payment of loan in case any misshaping to get instalment as proportionally and get a sign of myself along with her in a sbi policy letter as asking us that the purpose is bank own interest, you should not worry about this policy, neither you may charge for any amt. Nor you pay any single penny as an instalment and also imposed us loan re-payment tenure period 15 years but i was insisted for 10 years.. Now, after 5 years, i just check my pass book of auto debit instalment during the aug-17, i stunned that an amt. Of rs.4900/- & rs.1912/- have been deducted for insurance payment without my knowledge, when i confirmed officially, then they told us that an insurance policy (Sbi suraksha) is adjoined in your loan a/c. I was surprised hence no such commitment assured by mr. Hardeep singh to pay any amount for insurance. Policy, how this amt. Can be charged me by the banks authorities. Further i consulted from pragati bhawan banks official, they advised me, if you would have not been continued this policy then surrender it, but you have to pay policy amount of rs. 1.0 lac, otherwise rs. 1912/- you will be charged for next 10 years from your account. Respected sir, the above totally false and mis commitment made by hardeep singh a senior bank official when he was well aware that i am private company (Fmgil-b. Rarh) employee and can’t pay instalment more than 6- 7 thousand, at present i can’t afford such type penalty amount of rs.1912/-pm except my loan instalment of rs.6500/-, now i am 58 years old and going to retire in coming months, there is no other source of income to pay the such insurance instalment for a long period for that reasons which has not committed by me, this is only caused Contld..2 Of false clause imposed by your banks senior official without my knowledge, i once again request to you that i am not able to pay the above insurance instalment for a period of 10 years and also not a surrender value amount of rs. 1.0 lac like a penalty, which is based on wrong clause added by previous sbop authorities without any guidance. I will be appreciate if look the matter with reasons and favored me. Thanking you, Yours truly, Ajay kumar rastogi, 2301, phase - ii, urban - estate, Patiala Mob no. [protected]. Cc:- branch manager, State bank of india Court branch, distt court. Patiala. Dear sir, Kindly do not deduct further any instalment of insurance payment of suraksha policy without intimating me in respect my loan a/c no. [protected]-ajay kumar rastogi/ nidhi rastogi. Was this information helpful? | |
Jan 17, 2018 Complaint marked as Resolved Mob. no- 099855782302-idea, 07973747245-JIO.
CONTACT ADDRESS :-
Ajay kumar rastogi,
2301, phase - ii, urban - estate, Patiala
Gmail.No. [email protected] co. State Bank of India [SBI] customer support has been notified about the posted complaint. Verified Support Jan 09, 2018 State Bank of India [SBI] Customer Care's response Dear Ajay, We acknowledge your concern. Our team will connect with you shortly for further assistance. Thanks & Regards, SBI Life Insurance - Customer Care Verified Support Jan 09, 2018 State Bank of India [SBI] Customer Care's response Dear Ajay, We tried calling you on the provided contact number ending with 2302 however, it was not reachable. Kindly share your alternate contact details along with suitable time to call you to get it addressed. Thanks & Regards, SBI Life Insurance - Customer Care Verified Support Jan 10, 2018 State Bank of India [SBI] Customer Care's response Dear Ajay, We have forwarded above shared information however we are unable to contact you. We request you to provide us with your mobile number on our official email address - [protected]@sbilife.co.in, since above mentioned contact number is not visible to us and protected on this forums for security reasons. Once mailed then please intimate us here along with your mailing address from which mail was sent so that our team can trace your mail and connect with you for further discussion. Thanks & Regards, SBI Life Insurance - Customer Care Verified Support Jan 11, 2018 State Bank of India [SBI] Customer Care's response Dear Ajay, We request you to email us your contact details on our official email address - [protected]@sbilife.co.in, since above mentioned contact numbers is not visible to us and protected on this forums for security reasons. Once mailed then please intimate us here along with your mailing address from which mail was sent so that our team can trace your mail and connect with you for further discussion. Thanks & Regards, SBI Life Insurance - Customer Care Verified Support Jan 18, 2018 State Bank of India [SBI] Customer Care's response Dear Ajay, We have not received any mail on our official email - [protected]@sbilife.co.in from your above mentioned mailing address - [protected]@gmail.com till now. Our officials tried calling you multiple times on provided mobile numbers ending with 2302 & 7245 however, we were unable to connect with you. Please provide your contactable numbers with suitable time to call you to get it addressed. Thanks & Regards, SBI Life Insurance - Customer Care Verified Support Jan 19, 2018 State Bank of India [SBI] Customer Care's response Dear Ajay, We tried calling you multiple times on the contact numbers provided ending with 2302 & 7245, however we were unable to connect with you. We request you to mail us your detailed complaint to our official email address - [protected]@sbilife.co.in to enable us to address your concern. We are closing the post for now. Thanks & Regards, SBI Life Insurance - Customer Care | |
2 Comments | |
Comments
Dear Sir,
In regard compaint against my house-loan ref. no.[protected]SBI LIFE and your Token No.[protected], i am still not here anything about since 20.1.2018, kindly do the needful help at your end, i have mailed a reply to SBI LIFE at their quoted e-mail address but they are accepting my reply with following comments :-
ReferenceNumber:SR.No. 08493263
IRDA Token Number:[protected]
Sub: SBI Life Policy Number -double policy imposed in my home loan.
Your message wasn't delivered to [protected]@sbilife.co.in because the address couldn't be found, or is unable to receive mail.
Dear Sir / Madam,
Till date i am not here any satisfactory reply at your, hence i am going to stop payment with a request to bank to not further deduct in regard the payment of S B I LIFE POLICY monthly installment because day by day i am feeling very much depression for this forcibly imposed payment .
therefore, i once again request you to please provide me a proper solution to understand my logical problem with age factor or advise me to pursue the matter from an-other Forum.
Thanking you,
YOURS VERY TRULY
Ajay Kumar Rastogi
# 2301, phase-II, Urban -Estate
In regard compaint against my house-loan ref. no.[protected]SBI LIFE and your Token No.[protected], i am still not here anything about since 20.1.2018, kindly do the needful help at your end, i have mailed a reply to SBI LIFE at their quoted e-mail address but they are accepting my reply with following comments :-
ReferenceNumber:SR.No. 08493263
IRDA Token Number:[protected]
Sub: SBI Life Policy Number -double policy imposed in my home loan.
Your message wasn't delivered to [protected]@sbilife.co.in because the address couldn't be found, or is unable to receive mail.
Dear Sir / Madam,
Till date i am not here any satisfactory reply at your, hence i am going to stop payment with a request to bank to not further deduct in regard the payment of S B I LIFE POLICY monthly installment because day by day i am feeling very much depression for this forcibly imposed payment .
therefore, i once again request you to please provide me a proper solution to understand my logical problem with age factor or advise me to pursue the matter from an-other Forum.
Thanking you,
YOURS VERY TRULY
Ajay Kumar Rastogi
# 2301, phase-II, Urban -Estate
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please note the calculation re-payment of my home loans of just Rs. 5.0 lac after continuing this surksha policy up to loan tenor period of 15 years as 6500*12*15=11.70 lac+ 1912*12*10=2.295 lac, total payment amount is Rs.13.995 lac or 14.0Lac.
The above calculation is showing that we are not breathing in modern india, we compare this old 'Jimidaari" custom or" Marvarri loan custom", where the re-payment can't be ended its payable at generation to generation.
So kindly look my submission with fairly a like human being hence i am going to retire shortly with getting only PF pension amount of Rs.2500 to 3000/- PM. this double payment can not be affordable me after normal survival.
Thanking you,
Ajay Kumar Rastogi.
#2301, ph-II, urban -Estate-Patiala