To,
Chief Manager/Manager General,
ABN-Amro Bank,
New Delhi.
Sub:- Harassment personally & phone calls by bank employees
Sir/madam,
I took a loan of Rs 2, 82, 560/- in July 2006 & gave all installments in time i.e 10648/- each month. afterword this loan is top up by bank under loan a/c no.9359705 after top up loan a/c no.9420262 & paid me 90, 654/- after deduction about Rs. 14595/- from my loan amount in the shape of misc.charges, intrest, processing charges etc.etc. and then i also paid the refund installment of Rs.10498/- well in time. Due to kidney problem(i.e swelling on whole body) I was admitted to the Hospital and could not pay the instalment, so, they reduced the installment amount to Rs.7547/-. That also I gave them timely. Due to my kidney problem i spent money in medicine/ hospital/ medical tests. I am not in position to pay more in the form of installment. Uptill date i paid over 220000/- in the shape of installment. This time i am in critical position due to cronical disease.I already spent Rs.3, 50000/- on my treatment uptill date.
My monthly net salary is only 15000/- pm most part of salary is spend in medicine/medical test and admission of hospital repeated in three to four time in a month for injectioning & other treatment.
The agent of the bank commit the rate of interest i.e 18% reducing balance but bank charged 21% pa. To this effect, i sent email as well as phoned to bank but bank did not responded any time.but I paid bank installments well in time.In regard of interest I request to the bank employees but they had no response to me for this interest.
Apart form the above past history is goes like this – I have been requesting since May'09 ABN Amro Bank collection executive for telling us my loan amount outstanding is around Rs.270000/-.Every time they use to say your loan outstanding is always Rs.270000/- I told to executive to satelle my loan in short payment and one payment on principal outstanding amount . Executive says that your outstanding is Rs.270000 not possible in short payment.
Now they required full amount immediately and threatening me and my family members that we shall catch you & beat you up or get punished by police or in the court of law & they misbehaved with my family members in my house. In this regard i already contacted to customer care on phone but no response. one employee of bank Mr. gaurav from chandigarh office threatened now & then & says that more than 3 lacs still due on your head, we already paid all installments upto April 2009.
I am single hand earning member of my family and undergoing treatment for kidney disease & not able to pay, now i am not in position to pay more. I request you to settlement for min. principal amount. if they (bank people) harrass me or my family members, i have to knock the doors of consumer court. I request to bank kindly see my problem & settled the case in minimum principal amount.
I humbly request you to please kindly setelle my loan.
I says that my condition is not able to give this amount please settled the case on principal amount.
with regards
yours Sincerely
Ramesh Chand