Location/place: Ghaziabad
Name of company/service: Standard Chartered Bank
Dear Bank,
Let me be very sorry for Using the unparliamentarily Language if any. As bank officials are doing the same from past long with me over calls.
Even there is never a proper reply from Bank Officials over my case for last more than 4 years.
TO Provide the Brief of my case
1. It started well back in 2007 where in i took a loan of Amount Rs 210000/- (2 lakh 10 thousand only) and a loan amount of Rs 84000/- in June 2007 wheren already i had a loan account no 9356500821388188 with running a dial up loan upto 08/12 payments already cleared up and first Installment with 01/36 was applied on 29-05-07.
2. In the Next Billing Cycle ie. Jul 2007 the SCB has Applied 3 Description into my account ie. 4129058688245741 with VIsa Gold for ROYAL SUNDARAM for Rs 9662/- which i have never applied for and also the VIsa GOLD credit card which i never accepted or asked for.
second 5543758682449265 with Master Gold having processing fees for DIAL up LOAn amounting to Balance Rs 1416. THIRD one 9356500821388188 with 4 EMI’s Which i dont know what is it for as i have got cancelled the ROYAL SUNDARAM PREMIUM then why the hell they have shown the amount in the statement. other 3 is also under scanner, i dont know properly whether i have taken loan or not BECAUSE in place of me, bank itself have drawn that amount.
3.Again in September 2007 SCB have ROYAL SUNDARAM into my Statement, i wanted to know the Reason when i have cancelled the Insurance then why the hell, you F****** apply it again and again into the account this amounts to Rs 6739/- again the same amount is divided into EMI of 24 Months.
4. In October 2007 Statement Bank Again Applied a ROYAL SUNDARAM insurance of Rs 12775/- and refunded me of cancellation of ROYAL Sundaram a sum of Rs 665/-, i wanted to have the Voice Clips if any for accepting the ROYAL Sundaram Insurance by BAnk. As I have never accepted the same. Also as per Bank officials over Customer care asked not to pay as they will cancel the same and it will be highlighted in the next statement cycle. but instead they have applied the late fees, interest and service tax.
5. In Jan 2008 statement bank has shown the TITANIUM CARD with no 5546232907720113 which i have never applied and doesnt have provided it in writing also. the amount is Rs 3370/-. this same game was played by bank for statements till june 2008 whereas i have cancelled the TITANIUM Card in Feb 2008 but bank didnt refunded my amount and cancelled the Card also.
6. When i strongly apposed the same in June 2008 then the bank stopped the EMI and Demanded for full amount in August 2008 statement. Whereas i Constantly paid the EMI amount which amounts to Rs 10000/- MOnthly till april 2009 as per my EMI Installment for the Loan Amount.
I also Wanted to know the Reason for Refunding the amount of Rs 2000 Instead of Rs 3500 For Cancellation of Titanium Credit Card.
7. Also to mention when i have cancelled the ROYAL SUNDARAM Insurance before time so why the hell bank has refunded the half amount, and as per the rule and regulation i was supposed to get the full refund of the amount without any penalty such as interest or service tax on it, as applied by bank.
8.If bank can see and have Specs then please have a look at the amount calculated on AUGUST 2008 calculation as Dial Up Multiplier as
a. 12/24 – Rs 3937.32
b. 14/36 – Rs 57894.37
c. 15/36 – Rs 139265.26 for which total comes out to be Rs 201097
and in Dec 2008 the SCB has Shown the same amount being credited to my amount for the loan amount such as
a. Rs 3937.32 , Rs 57894.37 , Rs 139265.26 which is same as in August statement but i have paid the amount as per my interest, bank should have deducted the same amount from the above amount
also started a new calculation with 01/13, 01/23 and 01/22. so in this case if i take already paid the amount of Interest per month which bank has forgot to mention in the statement and also as a proof i have in Bank Statement. Also to mention when the F***** have cancelled the Royal Sundaram Insurance then why the hell the Bank still continues with the EMI for those Premium.
to continue further tif i have paid 12, 14 and 15 payments till August 2008 then Dec it comes out to be 16/24,18/36 and 19/36. I have paid Rs 40000 in 4 months as per my statement so bank should have deducted the same amount from the August 2008 statement amount and in Dec 2008 the amount will come out to be Rs 161097. but Instead bank has applied the same amount as in August 2008 for the repayment, so wanted to know the reason for Rs 40000/- fraud by Bank.
when according to my calculation the payment was made and the difference between the installment comes out to be as follows:-
Dec 2008
a. 16/24 – difference of 8 Installment which i need to pay whereas bank has shown 01/13, so don’t you people know the Maths calculation for does have any CA to your Bank.
b. 18/36 – difference of 18 Installment instead of 23
c. 19/36 – difference of 17 Installment instead of 24.
9. As per all records the Loan Installment should have finished for 16/24 in Dec 2008 by August 2009 but Bank continued the same by Dec 2009. which is pure case of Fraud by Bank.
also for further Installment for 19/36 in Dec 2008 should have finished by May 2010 but bank continued it till Sep 2010. i dont know the reason for the same.
last Installment for 18/36 was for Jun 2010 but bank did it till October 2010.
The same documents have been provided to CRAP Employees of bank who it turn provides the F*****G Assurance that the same will be rectified at the earliest.
10. I have again Taken a Loan of Amount Rs 90000/- on 31st March 2010 of amount Rs 90000/- for 24 months if applied the installment commencement from April 2010 it will last till March 2012 for which i have made a payment till March 2012 as per Card statement and Bank Statement. for which i have provided the documentary proof to useless Employees of Standard Chartered Bank.
11. Rest of the Amount what F****G Bank is doing for someone has deposited in his own account. So Look into the matter and Clear all the pending amount and if required send a senior Official of Bank which his ID card and Proper Documents so that we can share with him all the Documents and Clarify.
I know Very Well, You People will not Respond to this as bank has done a Fraud and they didnt even care in replying back the mail sent to bank. as i have encountered the same behavior earlier also.
DO THE NEEDFUL AT THE EARLIEST AND CLEAR ALL THE DUES BEFORE I MOVE FORWARD TO TAKE ANOTHER STEP.
ALSO DON’T THREATEN ME BY CALLING AT MY NUMBER AND ABUSING ME FOR KIDNAPPING AND MY LIFE AS DONE IN PAST ENCOUNTERS.
Regards,
Anil
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