Personal loan
Fraud by citibank

Sir,

i took a citi loan the acount number is lcb-cal-4457161 on 28 feb... as far as i was told the 1st installment date was supposed to be on april 3rd april as i made the repayment by ecs through punjab national bank, and despite having adequate funds in above mentioned date no ecs was send to my bank rather on 9th of april two instalments that is Rs1987 (single instalment) x2=3974 wasdeducted from my bank acount .and at the same time on 17thapril i was informed that my ecs bounced from my bank and i have to pay the amount in cash (all by telephonic conversation)

on 19th april the amount was paid to the citi personal (the receipte are being kept)

so in total 3 instalments was charged from me on the month of april...

as a result i was paying two instalmenst in advance

now the ecs were being cleared from my bank .as per my bank pass book till october i paid 9 instalments instead of 7... two advance

till april 13 instalments was to be paid but i paid 15 instalments

now on may ecs bounced from my bank despite having paid two instalments in advance... a telecal from the bank came regarding bounce of ecs and i made the payment on 28th may

still two emi were in advance

again june ecs returned but paid on 29th june

2 emi still in advance

august returned but paid on 1092003

now comes the point the time and again the ecs is being produced to my bank recurring me an expence of ecs bounce charge, inspite of two emi in advance WHY?

isnt the duty of the bank to rec tify their errors

ALL IS THAT MONEY IS DEDUCTED FROM MY ACCOUNT DUE TO THE NEGLIGENCE OF CITIBANK

now i talked to a citi officer named JACOB it was in some date in july in new market office in calcutta .he told me that this a mistake which is being done citibank and it cant be rectified so easily and as my payments are up to date refunds can only be made at the termination of loan and that too without any interest and the other suggestion that he gave me make stop payment for two months and get it adjusted .i did the same with my bank but the citibank get the ecs cleared by hitting my account on 14th july... now it is not possible for me to present in the bank to check when the citi {idiots} are sending the ecs

now i agaain went to the citi office to speak withe officer in september (the september emi is cleared from bank} .this time someone mr sidharth roy came up... iu told my problem to him, he suggested now to close the account or avoid to make any transaction from pnb branch because the bank can clear emi any time and to make payments to citi personell when they will call me up... and i did the same each and every month the citipersonell call me and i makes the payments each month... at the same time mr roy also said that he will look the no collection is made for two consecutive months to make the adjustments

and the same thing happened

now all intalments are paid but i havent received any noc... when i called up bank they said that a due of something rs20000 is due because of the bounce charge s...

sidharth roy didnt told me that ecs will be hitting me my account and there will be bounce charges is that my fault

to realise 2emi would i do such a thing that will incurr me rs 20000, and at the time when i am paying all instalmenst every month to the personell c ant i keep the amount in bank to get it cleared

another thing the citibank has lodeged my name over CIBIL and stated that i have cheated citi bank with rs20000, and as a result i am notgetting any loan from any bank despite haviong a goodtrack record

NOW WHAT I WANT TO SAY?

1. who gave citibank the right to clear emi three times the amont which is being stated.this is the reason of all the problem

2.why does the ecs hitts the account at any date without the consent on the party it is on 3rd, 5th, 7th, 9th and even 17th

3.bamk personell tell the client any thing but they are not going to give it in writing. why?

and another thing where is my fault

the bank has put my name in cibil creating a problem for my whole life and giving a black scare in my records and people all over the world can see my profile in cibil

the bank has tried to obstruct my fundamental rights to live without my real fault

wht should i do?

pray to the authorities like you

or launch a court case against this regarding those breach of contract which the bank has done

please help me

indranil dey

84, at.m. road kolkatta

pin 700025

ph 9830265779

now the strange thing which happened that citi authorities from kolkakatta branch contacted me and took my case .the a lady named MOUSUMI MUKHER JEE told me they are extremely sorry for the inconvenience cause an d they would waive off the entire claim and will remove my name from cibil on payment of rs2500.it was on august. i made the payment .they told me that my name is removed from cibil and as i cant check the cibil listi have no option rather to believe them... but now on february when i appleid for a fresh loan in standard chartered they showed me that the cibil record shows that i have cheated the citibank and when i contacted the citi authorities they told me to clear the amount to get a clean shit.

please help me