Dear Sir,
Kindly refer to your conciliation notice no. DCONCL350/180007147/8/LBNOD00000351070 dated 16/12/10 received on 27/12/10 much later than your conciliation date on 23rd & 24th of december. It appears that it is an eyewash & you are not interested in the recovery of the balance amount.
Kindly refer to my letter dated 10/2, 30/1 & 11/4 addressed to Mr A K Suri Legal Adviser ICICI Bank, Videocon Tower, Jhandewalan, New Delhi, dated12/10 addressed to Mr Naved Arif, Agency Coordinater, 11th floor, Videocon Tower, Jhandewalan, New Delhi & letter dated 3/2 addressed to Collection Manager, ICICI Bank Ltd, Regd Office "Land Mark" Race Course Circle, Vadodra, 390007, India & copy sent to Mr. Naved Arif, Agency Coordinator above & Collection Manager, ICICI Bank Ltd, SD Tower, 3rd floor sector-8Rohini NewDelhi but sorry no response received so far for the resolution of the problem of late payment. I received notices for the default of payment in loan A/c No LB No D00 000 351070 & in reply to the various notices I brought the entire circumstances regarding the delay/default in payment just to facilitate the payment of loan in time but got no cooperation from concerned bank officials, though they simply assured me help on telephone but without any commitment in writing.
In short my husband Mr Rahul Nehra who was serving in very senior position as marketing executive in a U.K. based MNC Europe Star, got the home loan sanctioned for Rs 1200000/- and again a loan of Rs80000/- & Rs 200000/- subsquiently for the maintenance of the house on his financial guarantee of his high salary in the aforesaid MNC & I was made the co-applicant because I am his wife, though I was not the earning member. After about 9 years of marriage he deserted me & my two minor daughters & started living at a undisclosed destination. He changed his mobile No. & changed his company. Inspite of my best efforts for months together I could not trace him & his living address. ICICI Bank started sending various notices in his name at the address of our house which I received. Since I have no source of income & no other house to live in for me & our two minor daughters & my husband deliberatly kept concealing his identity & address. My retired father & my two brothers came to my rescue in these difficult situation & on their financial support I put forth proposal before your officials through my aforesaid letters that if for nonpayment of the loan, the borrower, my husband Mr Rahul Nehra is black listed & his name is struck out from the ownership of the house and my name, at present a coapplicant is inducted as main applicant & my daughter Khushi Nehra is made a coapplicant. I shall undertake to pay the entire loan in time after getting loan from my parents & brothers, and on the telephonic assurance of your above officials I started payment of monthly E.M.I from November to January but inspite their telephonic assurance they did nothing in black & white & my parents stopped the payment of E.M.I thinking that even if they pay the E.M.I, the defaulter borrower Mr Rahul Nehra shall continue to be the legal owner of the flat. Now again I am getting threatening calls through telephones & personals from collection department of the bank to seal & to auction the house again & again. So it appears that the Bank is not interested in resolving the problem of default, not interested in timely payment of E.M.I of the loan but only keenly interested to seal & auction the house after throwing me & my minor daughters out of the house on the road, knowing very well that I am ready to clear the loan since I have no other house to live in. You very well know that due to nonpayment of loan in time because of your indecisive attitude, the loan amount is increasing every day because of accruing interest on it. So again it is very humbly undertaken that I am ready to pay the entire loan if you black list the defaulter & transfer the loan & property in my name & in the name of my daughters, otherwise due to non action on your part you shall be responsible for any outcome.
For your kind perusal I shall like to bring to your kind notice the Clause "2-13" Terminal Benifits of the loan agreement which reads as following"&&&&-ICICI Bank is irrevocably authorised to communicate with & receive the said amounts from the Borrower's employer directly".
The time you sanctioned the house loan in the name of my husband Mr. Rahul Nehra he was serving in a U.K. based MNC "Europe Star" in a senior position. He changed the company without informing you & joined a Holland based company "Irdeto Access"as a Country Manager & was getting in total of perks Rs 300000/- per month, but subsequently after two years he resigned & started his bussiness at Chennai. He is the founder of "Aura Global Media Corporation"& two T.V. Channels, "Arti TV" & "Tamil Cinemax", at the same time he was serving as Director South Asia, in a Tel-aviv based company "Actus Digital" where he resigned recently & now he is serving as Director Asia in U.K. based company "Latens systems". His official address & mobile No.s are given below&&-
Rahul Nehra, Regional Director, South Asia
Latens systems (India) pvt. LTD
203 G-K, Classics,
plot No-120, Srinagar Colony
Hyderabad, Andhra Pradesh
Mobile No. - 09791016856
09941916856
So as per the condition of the agreement reffered above you can recover the balance amount directly from the employer of Mr. Rahul Nehra. In case you do not do it, you can act on the proposal put forth by me & ensure the timely deposit of the loan. I shall also like to bring to your kind notice that under The Hindu Marriage Act, it is the legal obligation of the husband to maintain his wife & minor children including the provision of residence, may be a rented house or a house purchased after borrowing under section -125 CrPC.Maintenance suit is pending in the court.
So in case you exhaust your recovery proceedings against Mr Rahul Nehra & fail to recover the said amount, you can decide on my proposal, but in case you don't act, you yourself shall be responsible for any default or any late payment. Hope you will expedite the action & inform me accordingly so that timely recovery of loan is insured.
regards,
Mrs. Shalini Nehra
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