Home Loan
Cheque submitted without permission

Dear Sir/Madam,

I had applied for a home loan for Rs.46 lacs to your office at AJC Bose Road, Kolkata on/around 25th February. First of all after taking all documents (including a blank account payee cheque) and verbally confirming me a loan of 30 lacs, I received no other communication from the Bank/agent. On 5-6th March I was given a sanction letter for 30 lacs. I said that I would take 1-2 days to read all the clauses and agreement.

To my surprise my on the next day I got a call from the bank that my blank cheque had been presented by "ICICI Home loan", filling in an amount of around Rs.8300/- I did not have sufficient funds in the account and hence the cheque had to be returned. I understand that a bank of such high repute would not be indulging in malpractice so as to present my cheque without my permission. Hence I would request you to confirm to me as to who is forging my signature so as to give ICICI a go ahead to present my cheque to the bank.

You would understand that this is a blatant case of fraud and malpractise. In addition to a charge from my bank of Rs.380/- for returning the cheque I have had to suffer a loss of credibility.

Request your immediate reply and action.

FYI.. People of the bank whom I had interacted -

Agent's name - Mr. Sanjay

Account manager - Ms Moumita

I had also met credit manager - Mr. Vinay

another senior manager involved - Mr. Kaushik

Company: Home Loan
Country: India

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