Dear sir,
PLEASE GO THROUGH MY SO LONG STORY.
I accepted the personal loan proposal received from SBI. I took Rs. 52200/- loan from SBI bank. I agreed the terms which told me that time by SBI representative. I asked so many questions to SBI representative.
I got that loan by cheque.
After around one month I submitted some amount around Rs.40000/-. That amount was not deducted from my loan. When I asked about it, SBI representative told me that I must call to customer care & request that kindly credit this amount against my personal loan. I called cust care. That guy told me that u must submit total amount to forth close the loan.
POINT no 1. No one told me about this formality.
I asked about the figure of total outstanding amount. The representative told me some amount. I submitted that amount. Again the loan amount was reflected in next statement. I called cust care, That representative told me that due some mistake, earlier calculations r wrong. Now u has to pay Rs 1800/- to forth close the loan. Again I paid some amount (more than 1800/-).
Point no 2. Due to the mistake of SBI representative interest of one month was charged. Who is responsible for that amount?
Again after some days when I called customer care, & came to know that still the loan was not settled. I called again to customer care. That representative told me that "your request of forth closer was not forwarded that time Now I forwarded it & the loan will forth close within next two days"
I saw the statement dated 2 oct. & I am confused. still the loan not forth closed due to the annual subscription charges charged. Actually the said card is life time free from annual subscription charges. & I need to fight to wave off these charges. These charges were reversed after few days, but who is responsible for the interest charged due to this mistake.
Point no 3: who is responsible for the interest charged due to this mistake.
I mailed this story to cust care. I called cust care during oct regarding this story.
I told cust care that I wish to know that “how much amount u recover by me against the historical loan of rs.52200/-? If u failed to send the details about the said loan, I am not going to any further payments, charges, late payment charges to u.
There is no any positive response from SBI side to settle this matter.
I wish to know that how much total amount I paid or SBI recover by me against the loan of Rs.52200/- including interest, finance charges, processing fees, forth closing charges to SBI.
No one is ready to inform me about the said details.
I answered more than 400 calls during last three months. I need to tell all above history to every ph call of SBI & still the outcome is zero. I am very much depressed due to the phone calls of SBI credit card. The recovery agency was so rude & now I too due to all these complications. They don’t have sense about "how to talk with cardholders". SBI & their representative are continuously doing harassment to me. The treatment given by SBI is very much dominating & feels insulting to me.
So I beg u that please find some solution & help me to resolve the matter as early as possible. Please stop the calls from SBI side regarding this subject.
Note: The figures are rounded off to nearest value.
My english grammer is very poor so u may find problem to understand my complaint.
Very sorry, but i am helpless.
Paluskar S M
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