Union Bank Of India — advance against my fixed deposit with them.

Address:	Thane, Maharashtra, 400602
Website:	unionbankofindia.com

I am a customer o[censored]nion bank of india and thane west is my home branch. I have sb a/c and td a/cs. With them.

The sb a/c is operated on either or survivor basis by my daughter, wife and myself. And the td’s are in individual names.

On 4th sep 2018 i approached arvind of your bank in the advances section as i was in need of some aad. After perusing all the required papers, duly signed by my wife, he (Arvind) said that my wife has to come and sign all the required papers in front of him saying that it was the law/rule. As it was not heard of (Please note that we are very senior citizens and our multifaceted experiences include dealing with such personnel also) i enquired of him if he was not framing his own rule (Which he is not empowered to) the asst. Manager sitting beside him said that rule requires all the papers to be signed in the presence of the officer.

My questions here are:

1) whether arvind is an officer of the bank;
2) whether your rules require the td a/c holder to personally appear before the dealing assistant/officer to sign all the necessary papers for aad in his/her presence; and last but not least
3) your bank empowers such personnel to form their own rules and harass the customers
(You may please bear in mind that the aad was required to be credited to the sb a/c. And not to be paid in cash or in any other manner.)

Since union bank of india was not helpful i approached federal bank ltd. With whom also i have similar a/cs, who obliged me very gladly!

Your early reply will highly be appreciated. Needless to mention that my further course of actions depend on your answers.

Thank you,

Yours truly,

N. V. Venkiteswaran