asked On 21 October 2016 at 10:41
i have been cheated by SBI Regarding educational loan interest subsidy announced by government of india.as per( www.canarabank.com/Upload/English/content/NEW%20CSIS.pdf)
HERE I ATTACHED MY QUERY please read it and help me.
30/109 nethaji street,thuvakudimalai
Education loan account no: 10891710895. (From 2005 sep to april 2009)
BRANCH NAME SBI HEAVY ELECTRICALS KAILASAPURAM(01363)
Email id : email@example.com
Contact no: 8608477548
BRIEF INTRODUCTION ABOUT ME:
I had taken educational loan from September 2005 to april 2009, RS 148350/- ONLY. for BE MECHANICAL 4 YEARS COURSE BRANCH NAME SBI HEAVY ELECTRICALS KAILASAPURAM(01363) TRICHY-620014.
1) I am economically weaker section ,and also from first graduate in my family and also from SCHEDULED CASTE category .and annual income below RS1,12,000/-
2) Here I enclosed my loan account statement .but in my account statement no information regarding interest subsidy as per ( www.canarabank.com/Upload/English/content/NEW%20CSIS.pdf) government order .
3) My branch SBI(01363) doing all kind of suppression of materials activity. In 2014 I asked details for interest subsidy but they did not responsed simply told no subsidy. at the time I had mind depression. This comes under violation of customer service policy. (28/9/2016) Now only I know I am eligible for interest subsidy through( www.canarabank.com/Upload/English/content/NEW%20CSIS.pdf)
and ( http://www.eltf.in) .most of my friends in other bank got subsidy ,I have proof but SBI only lie telling.
3) I know it is banks duty to send subsidy claim documents to nodal bank(CANARA BANK),but my bank SBI HEAVY ELECTRICALS KAILASAPURAM(01363),failed to do duty, and they not given any information and communication to me with reference to (www.canarabank.com/Upload/English/content/NEW%20CSIS.pdf) this order.
4) I have paid Approximately RS 1,60,000/- without any interest subsidy . but still my loan not closed properly .
5) SBI They are telling my loan sold to RELIANCE ARC and we don’t give any information.
5) Regarding this I written letter and emailed to SBI BRANCH MANAGER AND CUSTOMER CARE,SBI CHAIRMAN, and directly approached branch manager, no use.
6) I received letter from RELIANCE ARC (here enclosed) ,in that letter they mentioned RS 1,11,951 /- I have to pay.
I am not agree with this amount, 0n 28/9/2106 I suspected some illegal activities going in my loan account so I asked my account statement from (2005- September to till date),the manager at the time given my account statement fully in my hand ,then I showed reliance arc letter then asked details to SBI BRANCH manager, He asked to return give last page of account statement ,and immediately he did tear it. If you see the time, page design of account statement you also find this is edited forged account statement and forbidden some informations. SBI manager not willing to issue real account statement, and again I asked why sir you given statement last 2 pages in A4 sheet and altered ,but he not willing to give in A3 sheet .he told that if I give every thing transparently then I (manager) will be in trouble.
7)I have proof for everything, this kind of harassment done by SBI (01363).
8)here I listed how many times I communicated with branch manager for ACCOUNT statement.
1) On 28/9/2016 direct visit to sbi branch (01363)
2) On 30/09/2016 by email to firstname.lastname@example.org
3) on 03/10/2016 by email email@example.com. and ONLINE complaint ticket no: SR136326219850 (03/10/2016).
4) 07/10/2016 direct visit to branch manager SBI(01363)
5) 14/10/2016 direct visit to branch manager SBI(01363)
6) 15/10/2016 direct visit to branch manager SBI(01363)
7) 17/10/2016 direct visit to branch manager SBI(01363)
8) On 14/10/2016 by email firstname.lastname@example.org. And ONLINE complaint ticket no:SR136326377112 (14/10/2016).
WHY SBI(01363) BARANCH MANAGER VIOLATES SBI CUSTOMER RIGHTS POLICY?
How can an SCHEDULED CASTE and first graduate of family and ECONOMICALLY weaker section students like me ,come forward in india due to lot of clandestine deal between the SBI Managements and Reliance ARC.
1) How Can I get interest subsidy as per government order (www.canarabank.com/Upload/English/content/NEW%20CSIS.pdf)?.Because my bank not given any information about interest subsidy upto till date.
2) How can I appeal and get justice for interest subsidy, and negligence of duty done by SBI BRANCH (01363) .
3) How to I close through proper channel.
4) How to I know my loan account balance, SBI told any information you ask RELAIANCE ARC.
5) Other banks like indian over seas bank, deba bank etc, given interest subsidy as per government order.(www.canarabank.com/Upload/English/content/NEW%20CSIS.pdf), i have proof in other bank educational loan borrowers availed interest subsidy upto 31.3.2009 and outstanding as on 31.12.2013.even though NPS accounts also eligible for interest subsidy. SBI comes under IBA( INDIAN BANKING ASSOCIATION) ,other banks follows interest subsidy and gives subsidy upto 31.3.2009 and outstanding as on 31.12.2013. why SBI FAILED to give subsidy?
6) Now I am asking without considering interest subsidy, how SBI can tell we sold EDUCATIONAL LOANS to RELIANCE ARC.in case subsidy received my loan it never comes under NPA.
7) SBI sold educational loan with 55 % discount of out standing balance, only remaining 45% amount paid by RELIANCE ARC, IN this 45% amount reliance arc got additional relaxation, that is only 15% of remaining 45% amount paid by RELIANCE ARC immediately ,and remaining 85% amount of 45% can be paid in 15 YEARS DURATION, for example a person has RS 100,000/- outstanding balance in educational loan, IF SBI sold to reliance ARC ,RELIANCE ARC PAY ONLY RS 15,000/-immediately. Then the remaining RS 30,000 /- may be paid in 15 YEARS in instalment.
8) Everybody knows the agreement made between SBI and RELIANCE ARC, in case as per your agreement with RELIANCE ARC, how can RELIANCE ARC ask very huge amount. this is violation of RBI rules.
9) If SBI GIVEN The above Relaxation to EDUCATIONAL LOAN BORROWERS every educational loan can be easily repaid by EDUCATIONAL LOAN BORROWERS.
10) What is my loan account outstanding balance before selling to RELIANCE ARC,? and what amount SBI sold to reliance arc?
11) From SBI branch Manager no answer to all above questions? Instead of answering to my questions they given MIND DEPRESSIONS only,
12) You SBI asking KYC (KNOW YOUR CUSTOMER),in the same way I am asking I want to know about my account transactions and unhidden account statement.
13) Whether SBI(01363) BRANCH manager can ready to certify ,that you(SAMIYAPPPAN B) account no :10891710895 is not eligible for interest subsidy as per government order (www.canarabank.com/Upload/English/content/NEW%20CSIS.pdf) in certified documents or not?
14) SBI(01363) BRANCH manager can ready to certify that closing balance ,and what amount I have to pay ?
CLARIFICATION QUESTIONS IN MY ACCOUNT STATEMENT : .
1)what is mean by unrealised Intt reve in account statement.
2) what is mean by unrealised Intt reco in account statement.
3) what is mean by “ACC INT ADJ TO TR TO” in account statement.
4) what is mean by “ACC INT ADJ TO RA” in account statement.
5) what is mean by “REPAYMENT BY A/C TRC ” in account statement.
6) what is mean by “Sale to ARC cash C” in account statement.
7) what is mean by “Sale to ARC SR Com” in account statement.
8) what is mean by “ CHAIRMAN / 1A /EC /15-1 ” in account statement.
9) what is mean by “FROM IBGL 2399776 ” in account statement.
10) what is mean by “CR LOAN ACC WRITE OF TRANFER FROM 316726 ” in account statement.
asked On 20 October 2016 at 15:19
Respected sir / madam,
my father has 4 home. Two homes donated to his brother son.
But this donated home not registered in concern sub registrar office.
My father, brother son, had been duped into signing. Still now government record sowing these 4 homes in my father name. But he changed property tax receipt in his name. I don’t know how it is possible. Because document is not registered. Last year my father was dead.
1. How I recovery two homes from him?
2. I don’t like go to court, because it is a long time process.
3. have any short cut idea?
4. can I complement to police station, collector petition, or cm cell petition?