C O M P L A I N T
Sir/Madam
I am planning to setup a management college in the name of UMA INSTITUTE OF MANAGEMENT at HArdoi (Utter Pradesh) on SH 25, for that I had purchased 5 acre land and taken CLU for setup the college.,
For setup the management college I had applied for a Term Loan in the name of (ARCHISHA EDUCATIONAL TRUST) of Rs. 550 lacs, in your bank through Kalkaji Branch, in December at that time the chief manager is Mr. Prafful Verma., he gone for a non official visit to see that the project is viable or not., for that he took Mr. Vijay Toshwada Sr. Manager (Industry) for Technical Viability., on that unofficial visit cost us around 50, 000/-., after coming back to Hardoi, he shown very much interest in our project., and he move the file for Term Loan., he fixup Trustee’s meeting with Mr. B.K. Bansal, Deputy General Manager at Circle office., he met with the trustee’s and shown much interested to do our project.
Mr. Prafful Verma., ask for the TEV for and appoint Mr. Vijay Kumar Toshwada, Sr. Manager Industry, (As per your circular No. Dated. For college, hotel etc the TEV is not required, but if cirele head desire the TEV is must., (As per my knowledge no letter is issued for doing the TEV for our project) he fix up his programme and move for the Hardoi on our expenses (By Kingfisher Airlines) no compromise in airlines., he stayed at Lucknow at three star hotel at sahara ganj on our expenses, that trip cost us around 35000/-., Sorry to say that Mr. Vijay Toshwada came for Hardoi college project., but he insist to stay at Lucknow which is 100 km from Hardoi., he came just to time pass and do nothing. He ask for a amount Rs. 100000/- for given positive TEV but we denied to pay that amount to him because we know that our project is very much viable., because we didn’t gave him money he submitted a negative TEV and said to us that I am a Union man, now body has that much courage to change that, now I am going to see that KAISAY TUM LOG LOAN LETAY HO YAHA SAY.
As per my knowledge if the TEV is negative the case is not viable, but no your bank chief manager Mr. Prafful Verma, issued us PIM, (for issuing the PIM he took handsome amount from us and assure us that he will take care Mr. Vijay Toshwada too) means Punjab national bank is principal approved our proposal., he fixup the legal and valuation team for doing legal and valuation for our property which is to be mortgage against that Term Loan., they submitted the NEC and valuation report in June., for that they have charged Rs. 100, 000/- in total. In the meantime Mr. Prafful Verma is being transfer from Kalkaji branch to Bihar.
After Mr. Prafful verma transfer Mr. K.K. Lal join as chief Manager., he look after our case with Circle office., finally in the month of August., circle office reject our case., we are very much surprise to see that after 9 months your bank reject our case due to negative TEV., we represent our case with Mr. V.K. Khanna, General Manager (Field), finally he is agree that if we think that the TEV is submitted by Vijay Toshwada is not upto the mark, then we have to do another TEV from the consultant which is on your bank panel. He gave direction to Mr. Rohit Grover, chief Manager to issue a letter to us for the fresh TEV. After that meeting Mr. Rohit Grover issued a letter to K.K. Lal, chief Manager for visit the proposed site and submitted his report, after that we will decide about the TEV is required or not., Mr. K.K. Lal visited the site and surround college and submit his report to circle office., as per my knowledge his report is very much positive for our proposal. Since then your circle office staff, ask so many clarification from K.K. Lal chief Manager he submitted all the paper with detail., but as usual on 08 October against a mail came to branch that our proeject is not Viable and didn’t require fresh TEV from outside agency., again they reject the case., if Mr. V.K. Khanna, General Manager give us a chance for fresh TEV, why Mr. S.K. Kinger is not interested for fresh TEV? why he decline our case? Is he also want some fees for doing this?
My complaint is that if your bank don’t wanna do our case then why all this exercise is being done and cost us such a huge amount and waste our time (12 months).
1. Why Mr. Prafful Kumar Verma, Chief Manager and Mr. Vijay Kumar Toshwada, gone for a personal visit to site? that cost us Rs. 50000/-?
2. Why Mr. Prafful Kumar Verma didn’t submitted his visit report?
3. Why Mr. Vijay Kumar Toshwada Sr. Manager asking money for positive TEV report?
4. Why he didn’t go to Hardoi on his own expenses which is reimbursemable from PNB? that cost us Rs. 35000/-
5. Why the PIM is being issued to us?
6. Why Prafful Verma took money from us? for doing our case?
7. Why the Valuation and Legal report is done? that cost us 125000/- for a decline case?
8. Why Mr. K.K. Lal, Chief Manager visit is required? when Mr. S.K. Kinger don’t wanna do our case?
Is this the working style of such a reputed bank, why that much corrupt officer use your valuable client for fulfill our personal greed.
I want justice from you and request you to reopen my case and do the needful and punish all your corrupt officer. If you didn’t resolve my complaint I am going to press and take legal action against your bank. I am having all the evidence with me that I can show you on time.
Till date the bank don’t give us any reply nor reply of my mail as yet.
Archisha Educational Trust
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