HDFC Loans
Fraud in my Address proof to complete their targets

Dear Sir Date: 18/02/09

On approaching your bank for personal loan couple of days back, It came to my knowledge as a very unpleasant surprise that my name has been put under RIC list by your bank on the ground that I have tried to do some fraud in seeking a loan earlier.

In this connection I would like to bring to your kind notice that in November I did approach your bank through the General Motors dealer M/s Mallika located at Car Galaxy Thane for a car loan for buying a Chevrolet Spark car. Your agent by the name Mr. Murugan, who was looking after the loans at the above dealer, asked me to provide him my address proof and salary slip. When I informed him that I am currently staying in a rented accommodation at Santacruz (E) at Mumbai and my permanent address is at Baroda, he advised me to give him my Permanent address proof, a copy of the electricity bill of the flat in which I was staying then, my passport, my pan card as well as my father’s pan card along with my salary slip, which I gave him.

After a fortnight he informed me that my application has not been approved by your bank. Without suspecting anything, I then approached another bank & they promptly sanctioned my loan & I bought the car & am paying my installments regularly since last seven months.

Now that I needed a personal, I again approached your bank & it came to me as a shock to learn that I have been blacklisted. On enquiring the reason, your executive informed me that as per your record I am alleged to have forged my name on the electricity bill of my land lady. I would like to categorically state that I had done no such illegal act and if at all, this must have been done by your overenthusiastic agent Mr. Murugan to circumvent the procedural difficulty to earn his commission by getting my loan sanctioned through dubious means.

I would like to further state that I'm a responsible person working in a senior position with YES Bank and being a bank employee and knowing the implication of such act, would never indulge in it to get the car loan sanctioned. This act perpetrated by your over enthusiastic agent is very detrimental to my reputation and has also caused me immense mental agony. I would therefore, request you that this case must be thoroughly investigated and the erring agent must be taken to task and my name must immediately be cleared from this list and a confirmation be given to me in writing to this effect. Any information needed from my end in this regard shall be provided by me immediately.

Looking forward to your prompt action.

Yours sincerely

Prateek Lal

Company: HDFC Loans
Country: India

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