Dear Sir,
I am a regular employee and presently working as Associate Professor in Rajasthan Agricultural University, Bikaner. My total salary is about 4 lakhs (pre-revised) per annum and I have taken no loan from any of the agencies.
Recently I have purchased a plot in UIT colony in Bikaner and applied for house loan of Rs.12, 00, 000/- in LIC HFL, Bikaner on 10 Jan. for construction of a house. I preferred to take a loan from this agency as there is MoU between LIC HFL and RAU, Bikaner and secondly I was told that taking loan from this agency is convenient. Unfortunately the original patta of this plot was lost by the person from whom I purchased this plot. However, a verified copy of the patta of this plot has been issued by the Sub Registrar Office, Bikaner which is a legal document for this plot. Further, I also got this plot registered in my name. Simultaneously, I also got permission for construction of the house on this plot from UIT, Bikaner. I showed all these documents to Area Manager, LIC HFL, Bikaner Mr. Vikash Sehgal. He pointed out that original patta should have been there but suggested that a FIR in police station about the loss of the original patta may serve the purpose of mortgage to get loan. Later on FIR was lodged as per suggestion of the Area Manager. He also asked me to submit a letter from my office about regular deduction of the installments of the loan to LIC HFL. Mr. Sehgal also asked me to pledge my LIC policies if loan sanctioned, to which I agreed. I submitted all these documents and deposited Rs.1700/- as processing fee in LIC HFL for loan on 21.1.2009 (loan account No.000711587, app no.711587. After that I contacted several times Mr. Sehgal directly or through agent of LIC HFL but I do not know why my case was delayed by Mr. Sehgal. I tried to talk on his mobile but his response was not proper. Thereafter, I decided not to talk with him on this issue. I kept patience for a long time and finally on 3rd March when I talked to my LIC HFL agent Mr. Aziz Bhati about the loan he informed me that my application for loan has not been approved and I cannot be given loan from LIC HFL. Then I talked to Mr. Sehgal and wanted to meet him in his office but he refused me to meet and suggested to collect all photo copies of documents from LIC HFL. I also requested Mr. Sehgal to give me a regret letter but he refused to give me any of letter by saying that such type of letters are not issued by this office.
I, therefore, request to kindly look into the matter and help me as it has disturbed my mental peace. Moreover, I am not able to understand why I was kept in dark for the two months, if loan was not be sanctioned. Why Mr. Sehgal asked to submit above mentioned documents and Rs.1700/- as processing fee. Besides I have deposited an amount of Rs.12, 000/- in UIT Bikaner for getting permission for construction of a house on this plot, which is also blocked.
Thanking you,
Yours faithfully,
(Dr. N.K. KHATRI)
B-3, RAU Campus,
Beechwal, Bikaner
M-09828472942
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