Sub: Compliant on my Education Loan
Dear Sir/Mam,
I would like to bring in to your notice that I have taken education
loan form PNB at Railbazar Kanpur branch and my loan account no is
234500JB00000264, under the name of Amit Kumar Mishra I have visited
t branch to discuss with branch manager in October 2015 to make the
full and final settlement and requested my foreclosing my loan account
, I have been informed that there is no any process that they have for
foreclosing I need to pay full amount inclusion the interest that
supposed top pay in next 3 years so I have asked to bank manager why
do i need to pay 3 year more Interest when I am going to closed my
loan now yes I do understand bank has some foreclose charge to apply
but that is not the same interest rate applied for entire year.
I have been advised by the bank manager to make full and final
settlement only possible when I am not going to make the payment and
then PNB take the legal action and they will issued the RC that
particle time only it can be consider.
after checking my statement, i also got that i did not get any subsidy
which government has given in the year of 2009. they are saying i did
not submitted my salary proof that time. but that time my salary was
credited in that account only & i discussed with the manager that time
& i also said that they can deduct the EMI directly from my account &
also they suggest that for subsidy process will start. there was
mistake from bank side & now i & my family is suffering.
This is really not acceptable and before taking the matter to RBI I
would like to bring in to your notice to get the correct guidance and
the meantime I have stop making the payment as per the bank
manager advise if I have only option to wait to to get the RC then
only I am able to make full & final settlement then let it be.
Kindly look in to my issue on propriety basis and help me to close my
loan account
I am looking for your kind support on my concern
Regards,
Amit Kumar Mishra
9971745641
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