KOTAK MAHINDRA BANK (personal loan)
MENTAL HARASSMENT

I applied for personal loan with Kotak Mahindra Bank on 12/01 as this loan amount needed for my sister's marriage. I submitted all my documents including Loan Application Form, PAN, Ration Card Copy, Electricity Bill, Salary Slip for latest three months, Bank Statement (I have my Salary Account with Kotak Bank itself) & One photograph. The bank officials visited my residence twice one on 14/01 and second on 17/01. They said that this is our rutine verification. the person who visited our residence demanded Rs. 20000 for providing loan which I refused to pay. The officer who involed in this one named Mr. Shailesh Mangal (Mob No. 09619867144) & Mr. Shetkar (09920463981), Mr. shailesh told me on phone sir don't worry your loan will be processed before 20/01.On thursday Called to Mr. Sailesh he adviced me to Contact Mr. Shetkar after calling to shetkar he inform me that your loan application is rejected without mentioning the reason for that. I requested him to explain me the reason of rejection, he told that as per our policy we are not informing the reason of rejection to the applicant. I also done the mail to Mr. Shailesh for providing me the reason of rejection and return all my documents at my Company address but till today (24/01) they not returned me all my documents. Today I received call from Kotak Bank about My Request for loan. After dicussing with me the person who called me inform me that We can not provide loan to the person who has the salary less than Rs.10000 pm.and they are not giving loan below Rs. 200000/-. After this incident I called to said Mr. Shetkar about the returm of all my Documents including my Photograph, He inform me that we done the courier on 21/01 at the address you requested. when I told him to provide me the POD Number and the name of the courier Comany, he refused with request that he will give me in five minutes which he not given me at all.

As after visiting the site of the Bank I got the information as follows

1) Min Loan Rs.50000 & Max. Rs. 50 Lakhs

2) Loan Tenure 12 to 60 months for salaried Persons

3) must be working with public ltd.Co/ mnc/pvt ltd.

4) Age limit 23 to 58 (Indian Resident)

5) Income net monthly salary of Rs 10000 with no loan

6) Qualification Graduate

7) residence Telephone - Required

8) Year in City - 1 Year

9) Total work experience - Min 1 year

As I fulfil all the above reqirement but also they not given the loan to me and giving me mental harrassment from 13/01 till now by making calls and misguiding me on different issued and requirement. I want to file a case on this advice me what to do and how. please help me in this regards.

Devendrakumar Tripathi

Company: KOTAK MAHINDRA BANK (personal loan)
Country: India
State: Maharashtra

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