I am also having auto car loan for Hundai Santro Zing with your bank which was for 5 years duration. now after 4 years i have opted for foreclosure of the loan. I have spoken to Mr Kapil Gupta at Deer park New Delhi branch and have received the complete statement which reflects some undue charges. they are charging 3% on remaining amount 1800 Rs as cheque bouncing charges for the 2 cheques which got bounced in year 2006 and about which i was not intimated penalty charges for the same. the remaining balance of my loan is 69000 but they are charging 74000 gross which is undue. I am requesting you to send me a copy of documents which were filed during the loan applicaion as a right to information i will be sending a mail to RBI and Bank lokpal for the same. my point is that i should be informed in 2006 if the cheques got bounced so there is no question of bouncing charges andpenalty also the 3% is high. i am ready to pay the actual balance which comes to be 69000.
Auto car loan #- 10060658
Please take necessary action so that some benefit of foreclosure could be availed as with the statement given by them there is no benefit.
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