Flag this messageRe: AAB Card No. [protected]Tuesday, 16 June, 2009 5:30 PM
From: "biswajit basu" <[protected]@yahoo.co.in>Add sender to ContactsTo: [protected]@in.abnamro.comCc: "Biswajeet Basu" <basu.[protected]@gmail.com>
Dear Mr. Bhatia,
Likewise you I am also not agree with you. For your loan amount you are charging the interest but for my payment it has no value. Regarding pre-closure charges you should have
informed me when you received the full payment for the outstanding amount. But neither you nor your executives have informed me about the pre-closure charges. I could made the payment for that amount also with the outstanding amount as I have already made it in the month of February 2009 as soon as your customer care executives informed me after making the query to your Executives regarding the outstanding for my said loan. At that time also your executives asked me to pay only the Pre-closure amount for clossing the account.
It is fine that you are the member of CIBL but you should not put wrong information or incomplete information to the CIBL. For my case I would like to draw your attention to the fact that your executives have misguided me and I will not be penalise for your executives fault.
It is fact that you are here for cheating your customers only. For any outstanding amount you used to make all possible initiatives for collecting the amount but for customers know how you are not at all interested to do any favour.
Again I am asking you to close my account by adjusting all the payments which I have already paid otherwise I will be compelled to take legal action against you as I have already paid you all the dues. More over that you can not charge debit note over debit note – it is criminal offence.
I am Waiting for your quick and positive reply.
Thanks and Regards.
Biswajit Basu,
Flat No. – 191, NUOVO ENGINEERS INDIA C.G.H.S. LIMITED,
Plot No. – 25, Sector – 10, DWARKA,
New Delhi – 110075,
Phone:[protected]Resi.) + 91 [protected].
— On Tue, 16/6/09, [protected]@in.abnamro.com <[protected]@in.abnamro.com> wrote:
From: [protected]@in.abnamro.com <[protected]@in.abnamro.com>
Subject: Re: AAB Card No. [protected]
To: "biswajit basu" <[protected]@yahoo.co.in>
Date: Tuesday, 16 June, 2009, 2:33 PM
Dear Mr. Basu,
We refer to your email dated June 14, 2009.
We acknowledge the concerns raised by you and appreciate your time in sharing these concerns with us. However, we are not in agreement with your demands for financial compensation.
We apologise for the inconvenience caused during your recent communication with the bank.
We wish to confirm that your feedback has been shared with the concerned unit Manager and we assure you that corrective actions have been initiated to avoid any such recurrences.
We would like to inform you that 3% pre closure fee need to be paid over the principal outstanding on the easy cash loan, in case you wish to preclose the same.
Since the payment was not made including the preclosure charges, the installments of loan account have been billed for the complete 24 months tenure.
The payment was lying as a credit balance on your loan account against which the subsequent EMI's got adjusted.
ABN AMRO Bank is a member of Credit Information Bureau of India Ltd (CIBIL) and as a process the financial transaction details of all credit card customers are shared with CIBIL.Please note that any customer who has been extended any type of credit/loan will be a part of the CIBIL database. Hence your transaction details have also been shared with CIBIL as a standard procedure.
We would like to inform you that total outstanding on your loan account is Rs 8, 568.36 which is payable by you. The account is suspended due to non payment of the dues within the stipulated time.
However we would request you to pay Rs. 5, 323.44 towards the loan principal outstanding and write back to us for the zeroisation of same.
We will reverse the late fees as a service gesture post receipt of above mentioned payment on your Loan account.
We request you to write back to us for the No dues letter post making the above payment on your account.
We assure you that the refreshed status of the Easy cash account will be updated with CIBIL in 60 working days from the date of zeroisation of account.
You may also quote the reference number [protected], in case you need any further clarification on the above resolution.
Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.
Assuring you of our best services.
Yours sincerely,
Rahul Bhatia
Client Response Unit
biswajit basu <[protected]@yahoo.co.in>
06/14/2009 10:14 AM
To: ABNAMRO <[protected]@in.abnamro.com>
cc: [protected]@in.abnamro.com
Subject: AAB Card No. [protected]
Dear Sir / Madam,
Please find the attached statements for loan account number [protected] for the month of December 2007 and June 2009 and you will find irregularities of your accounting. In the statement of December 2007 it was clearly mentioned by you that opening balance was Rs. 38, 533.59/- and Payment received by you Rs. 38, 534/-. That means you have received all of your payment to be payable by me. After that no dues should be claimed by you. Also in that statement you have mentioned t0tal payment due was Rs. (-)32, 800.39/-. On enquiry your customer care executives informed me that that amount was excess amount paid by me and would be adjusted in the monthly bills. At that time I could not understand what your intentions for sending such statement were. After that in every month you have calculated your dues with interest and for my payment you need not think for any interest.
Now come to the statement for the month of June 2009. In that statement you are claiming that Rs. 8568.36/- is outstanding for the above mentioned loan account and is required to be paid with immediate action. Is it not a malpractice from your end? It is needless to say that you have appointed some notorious people in the name of customer care executives who don’t have the ethics how to behave with the customers. Most of the time your customer care executives are not picking up telephones after waiting for long 10 to 12 minutes. And if they picked up the phone then they don’t have any correct information to provide us. And about your collection agents they are so irritating and have nothing to do except harassing the customers. I have informed them about the irregularities of the above mentioned account but they have done nothing except the irritating languages. Not only that after so many discrepancies you have dare to report against me in the Credit Information Bureau about my outstanding – which is to be sorted out after settlement of the said account.
Now tell me what do you want? Will you regularize the discrepancy with immediate affect or, shall I sue you in the court for regularizes my account and will also claim for the compensation for the mental harassments.
I am waiting for your early reply.
Thanks and Regards,
Biswajit Basu,
Flat No. – 191, NUOVO ENGINEERS INDIA C.G.H.S. LIMITED,
Plot No. – 25, Sector – 10, DWARKA,
New Delhi – 110075,
Phone:[protected]Resi.) + 91 [protected].