| Address: | Kolkata, West Bengal |
To dated 7th july, 2015.
The general manager,
Reserve bank of india
Department of non banking services,
3rd floor, garment house,
Dr. Annie besant road, near worli naka,
Mumbai - 400 018.
Dear sir,
Re : - home loan reference number - 9322633 from tata capital housing
Finance co. Limited.
Complaint raised with tata reference no 1292663, 1293210, 1301428
And 1322859.
Sub : refund of excess collected amount.
Please note that we had applied for a home loan from tata capital housing finance co. Limited in the month of august, 2014 and the home loan was sanctioned for rs. 22, 40, 000 / - (Rupees twenty two lacs forty thousands only) to us in the month of august, 2014 for purchase of flat no - 405 at rameshwar nilayam, 15, guha park, liluah, howrah - 711204 and in that sanction there was some sanction condition which was as follows :
1. You have to close your existing 2 home loan accounts with idbi bank limited and submit the proof.
2. You have to close your instabuy loan with standard chartered bank and submit the proof.
3. You have to submit proof of payment of balance amount to the promoter alongwith supporting bank statement.
I was given a set of papers to be signed and it was confirmed by the tata officials that the disbursement will be effected only after completion and fulfillment of sanction formalities and accordingly the blank set of papers were signed in good faith by us.
On 06. 10. 2014 a mail was sent to us at [protected]@gmail.com stating that tata capital housing finance co. Limited has disbursed the above loan stating that your account will be debited by rs. 16, 195. 00 between 06. 10. 2015 to 10. 10. 2015 and at that time i told tata capital housing finance co. Limited’s official mr. Atanu paul, and we called him number of times that why you have disbursed our loan without our consent and every time he threatened us that if we go against this disbursement he will take such a step by which we would not be able to take any further loan from any bank or organization and i also told them that it is not fair specially when sanctioned condition are not fulfilled by us and you have disbursed the amount all in sudden and at that time nothing was ready neither home loan was repaid nor standard chartered bank’s instabuy loan was closed nor balance amount was paid to the promoter and when inspite of lot of verbal request no action was taken we sent a mail to atanu. [protected]@tatacapital.com requesting to cancel the draft but at that time also no action was taken by official of tata capital housing finance co. Limited and my account was continuously debited by interest amount and installment amounts on various dates. This was a clear indication of cheating the customer by unfair means and collecting interest and installment before the time when they becomes due. Tata capital housing finance co. Limited is involved in fraudulent activities for which customer are badly suffering.
For your kind reference please note that we had submitted proof of paying standard chartered bank’s instabuy loan account on 05. 12. 2014 and submitted proof of paying idbi bank’s home loan account on 29. 01. 2015 to tata capital housing finance co. Limited.
On 19. 02. 2015 i submitted a request for amendment in sanction letter for change in flat to be purchase from 405 to 303 by mail at atanu. [protected]@tatacapital.com and our old loan was cancelled and after that present home loan was sanctioned to us on 23. 03. 2015 vide home loan application no[protected] but till april, 2015 my account was continuously debited by installment amount of old home loan which was cancelled by them in february, 2015 and after being fed up due to this i made a stop payment request of may, 2015 installment of old home loan. From 09. 04. 2015 i am continuously sending emails to [protected]@tatacapital.com and on 25. 06. 2015 i have received a letter by mail, and a cheque of rs. 1, 34, 820. 00, copy of which is attached for your ready reference and which is self explanatory in nature.
Today i have submitted my request again to tata capital housing finance co. Limited for refund of my balance amount of rs. 43, 159. 00 (Rs. 16, 195. 00 interest and rs. 26, 964. 00 installment) with interest on total amount of rs. 1, 77, 979. 00.
So please help me in getting refund of rs. Rs. 43, 159. 00 (Rs. 16, 195. 00 interest and rs. 26, 964. 00 installment) with interest on total amount of rs. 1, 77, 979. 00 however details of payment of rs. 1, 77, 979. 00 is as under :.
11. 10. 2014 cheque no 000049 rs. 16, 195. 00
10. 11. 2014 ecs rs. 26, 964. 00
09. 12. 2014 ecs rs. 26, 964. 00
09. 01. 2015 ecs rs. 26, 964. 00
09. 02. 2015 ecs rs. 26, 964. 00
09. 03. 2015 ecs rs. 26, 964. 00
10. 04. 2015 ecs rs. 26, 964. 00
==========
Total rs. 1, 77, 979. 00
==========
From the above mentioned details you can easily observe that the disbursement your officials has made was totally wrong without fulfillment of your sanctioned conditions and most important why it was done is can not be ascertained and as such we request your goodself to take a strong action under intimation to us for realization of our above dues alongwith interest at the earliest
For your ready reference i am also enclosing herewith following papers :
1. Copy of sanction letter - schedule - 1
2. Copy of home loan repayment proof - schedule - 2
3. Copy of mail sent to atanu. [protected]@tatacapital.com for standard chartered bank’s instabuy account repayment proof. - schedule - 3
4. Copy of mail sent to atanu. [protected]@tatacapital.com for cancellation of draft. - schedule - 4
5. Copy of mail sent to you vide your reference no - 1292663, 1293210, 1301428 and 1322859. - schedule - 5
.
We would look forward for early disposal of our grievance and refund of our money from tata capital housing finance limited.
Thanking you.
Sumira bhutra
Suresh kumar bhutra
Loan applicants.
15, guha park, flat no - 303, 3rd floor,
Liluah, howrah - 711204
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