State Bank Of India [SBI] — wrongly charged by sbi on my car loan

Address:

AAO GANGA ROAD MAINPURI CHAURAHA, Firozabad, Uttar Pradesh, 283135

I have purchased wagnor vxi worth rs. 448189 lac for which i have made down payment of rs. 2 lac from my hard earn money and taken car loan of only rs. 3 lac from sbi bara bazar, shikohabad, firozabad. On this loan i am paying emi of rs. 2108. At the time of loan procedure, i have not been informed by loan manager about submission of rc book to the bank. And now they have charged fine of rs. 2950 for not submitting rc book. During last 6 months i have not received any intimation mail /sms or call from bank regarding the same and suddenly they are charging me fine more than my emi.

I have visited bank on:

12 june 2018 – for emi payment

13 sept 2018 – for repayment of loan (Rs. 40000)

06 nov 2018 – for repayment of loan (Rs. 45000)
22 feb 2019 – for repayment of loan (Rs. 30000)

In last 2 months i have visited bank thrice but neither of your staff has informed me about rc book submission nor i have received any formal notice regarding the same. My car was registered on very next day of purchase and i was having rc book after 1 month. If i would have been aware about submission or any of your staff would have asked me about the same, then why i would have avoided the submission. You people send regular alerts regarding emi payment but no sms/ e-mail regarding failure of rc book submission? If i will stop paying emis then you will come to my place for collection then why there is no such procedure for other necessary submissions?

When i raised complaint regarding the fine (Complaint no [protected]), mr. Rishab mittal from the branch have closed the same and replied that these are late emi charges. Please refer below screenshot.

When i called in the call center then about these huge charges they said that late emi charges are not rs. 2950 but rs. 295, this must be some mistake in typo 295 to 2950. So your people only are not aware about the issues and charges. They are misleading me which is a mental harassment and i am under tremendous pressure due to the same.

After this, i have again raised complaint (Complaint no [protected]) for which i received call from mr. Rishab mittal and branch manager of bara bazar, shikohabad, firozabad said that we have mistakenly written that these are late emi charges but actually it is rc book non submission charges which are not charged by branch but by head office. He has also agreed that they have not communicated regarding non submission of rc book and apologies for the same. He also assured me that he will take the issue to head office and reverse the charges. Now they are denying to do as same is denied by bank controller.

Sir, i work very hard to earn every single rupee. Rs. 2950 is a very big amount for me. I have taken only 3 lac loan and out of which i have settled 1.5 lac within 6 months. Also i am a punctual borrower whose non of the emis has been delayed. Still you are charging me such a big fine. On other hand people like vijay malyya are eating up the entire banking system and still moving freely. Then what is the use of me following the rules strictly? Give me one valid reason, even after this injustice, why i should pay back my loan as per rule and not default the same?

I request you to please reverse these charges.