Sir,
I had complaints regarding below mentioned details to RBI and to our banker Sarvodaya Comm.Co-Op. Bank but nobody think necessity to reply of my problems, so please interfear in this matter and solve the same. Details of matter and which i wrote banker and RBI as under.
DEAR ALL FROM SARVODAYA COMMERCIAL CO-OPERATIVE BANK, THIS IS TO BRING TO YOUR NOTICE THAT I RUPESH M SHAH (PROPRIETOR PARSHWA TRADLINK) HAS TAKEN HP LOAN OF 15 LACS AGAINST MY RESIDENTIAL PROPERTY VIDE A/C HP55 FROM YOUR PALDI BRANCH IN MAY'08 UNDER APPROVAL AUTHORITY OF BRANCH MANAGR MR.RAJESH SHAH.
AT THE TIME OF APPROVAL OF HP LOAN AND ALSO WHEN AGREEMENT WAS SIGNED BY MYSELF, I WAS INFORMED THAT THERE ARE NO HIDDEN CHARGES AND INTEREST WILL BE ONLY LEVIED, ON THE LIMIT USED FROM THE HP55 A/C.
TO COMPILE BANK STATEMENTS OF EVERY MONTH I COLLECT MONTHLY BANK STATEMENTS FROM SARVODAYA CO-CO BANK REGULARLY SINCE MAY'08 OMWARDS. THIS TIME ALSO I HAD GONE TO PALDI BRANCH TO COLLECT THE MONTHLY STATEMENT FOR DEC'08 AND WAS SHOCKED WHEN BRANCH MANAGER INFORMED THAT SINCE I HAVENT USED LIMIT FROM HP LOAN A/C, I WILL HAVE TO COMPULSORY PAY INTEREST ON 25% OF TOTAL LOAN APPROVED WHETHER I USE THE FUNDS FROM SAME OR NOT.
THIS WAS NEITHER INFORMED TO ME WHILE LOAN APPROVAL NOR THE SAME HAS BEEN MENTIONED IN ANY OF THE APPROVAL LETTER ISSUED BY THE SARVODYA CO-CO BANK.
ON MY REQUESTING TO BRANCH MANAGER, HE IS GIVING EXCUSE THAT AS PER RBI THIS IS COMPULSORY AND WE WILL CHARGE.
I AM MENTALLY DEPRESSED AS MY HOUSE IS MORTAGAGED WITH BANK AND OVER THAT NOW THEY ARE CHARGING INTEREST OF AROUND 38, 000/- FOR NOT USING THE LIMIT PROVIDED UNDER HP55 LOAN A/C.
CONSIDER THIS AS MY FINAL REQUEST AND DO THE NEEDFUL. ALSO ON FAILING TO HEAR FROM YOU WILL LODGE OFFICIAL COMPLAINT WITH " GRAHAK SURAKSHA ".
TO BANKING OMBUDSAN,
I WOULD LIKE TO LAUCNH OFFICIAL COMPLAINT AGAINST SARVODAYA COMMERCIAL COOPERATIVE BANK FOR FALSE COMMITMENTS MADE DURING LOAN APPROVAL AS MENTIONED ABOVE.
REQUEST YOU TO KINDLY INTERFERE TAKE THE APPROPRIATE ACTION AGAINST SARVODAYA COMMERCIAL COOPERATIVE BANK- PALDI BRANCH FOR MAKING FALSE COMMITMENTS AND PROVIDING MISLEADING INFROMATION.
REGARDS,
RUPESH SHAH
PROPRIETOR
PARSHWA TRADELINK.
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