Three years back i have taken persoanl loan form Hsbc Loan a/c no is 004403606542 & Prime Financial Loan a/c No is. 10000983701 & when there agents came to us & the agreed rate was on reducing rate for both the banks & accordingly the loan form was filled.
when i signed the agreement i fully trusted them & i not checked any agrrement papers nor made any calculation of the loan & interest. Both the banks had made agreemnet to charged interest Flat instead of reducin balance rate & then had send emi schedule to me. After the completion of one year incidentley my father received an suggestion from an executive of an Nationlise Bank to check the interest that they are charging after which i found that the bank executive told was 100% correct. Then after we had made correspondance in regards to above in regards to above matter but both the banks did not year my any request so on the suggestion of the nationlise bank executive i stoped the mei & after the period of two months i have taken fresh loan from Barclays for Rs.1.96 lacs Axis Bank for rs.1.20 lacs whose emi till date is going properly without any delays. To justify i have send correspoandce to CBIL and we have only recieved the report & we have not been justify by them.
one week before i had recieved an suggestion to approach you for justification, i hope that you will justify me, i am ready to pay al the expenses that may be incurred
First mistake i my that i have not checked the agreement as i had faith on them on which the baks have cheated me. Any persoanl loan repayment never goes above an average of 48 to 52% along with interest where in the above banks amount have crossed around 65 to 90% of the amount. Hsbc bank has taken excess money from us & after making an police complaint thet have returned the amount Request you to please provide me the email address along with reference number so that i can sent you all the documents & correspondance made to all. Hopping for your reply.
Regards
Gaurang Gandhi
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