Banks missing original property documents
chandrasekaran
(Querist) 16 September 2017
This query is : Resolved
Hi,
I had successfully completed my Home Loan with Axis Bank on 3rd of June. The Home Loan account is 245010601353255.
loan Sanction number - UTI BANK/(LNPHG)/_716_/RAC-(CHENNAI)/07-08
Since then, i have not get my original documents including my 30 years parent document and 2007 sale deed document. i have got only loan closure certificate.
When i approach the bank, i did not get proper status of my document. After several attempt over the phone, mail and in person to the Bank retail center,
i have got only response is Bank is missing my original documents.
i have raised complaints to Nodal officer, Axis Bank but he accepted that original documents are missed by bank but no response after that.
Then i raised to RBI about this issue, Axis Bank has created some documents.
Documents including
1)Original Police Complaint acceptance receipt dt 26-09-2015 issued by inspector of police – Madurai, TamilNadu.
2) Original Untraceable/Missing Certificate from Inspector of police – Madurai, TamilNadu Dated: 09/10/2015
3) Original Paper Publication Dinathandhi and Indian Express Dated: 21/09/2015
4) Original certificate from Advocate dated 20-10-2015.
5) copy of original sale deed
Bank says those above documents are enough to sell my property.so asked me to accept this offer.
But I told to Axis bank, i will accept this offer without any compensation, only after i receive a legal certificate from a court
where bank produce all details of this issue to the court. since this kind of court order/certificate is great support to sell my property in future, i asked this.
But Axis bank refuse that no such RBI rule stating a legal court order regarding a missing documents. so we won't provide any such court order/certificate.
The drawback of this issue is bank does not create any MOD document for this home loan since it is being created during 2007.
Also currently i do have following documents .
1) Loan sanction letter provided by Bank
2) Loan closure letter provided by Bank
3) xerox copy of missing sale deed
4) xerox copy of 30 years parent document
please advise me how can i get compensation and can i have rights to get legal certificate from court?
By
Chandrasekaran
Kumar Doab
(Expert) 16 September 2017
Check at bank website for 'Compensation Policy'.
Also go thru RBI rules.
If compensation per bank policy and/or offered to you is not acceptable, try at DCDRF.
Kumar Doab
(Expert) 16 September 2017
As per your post; Bank has acted and recreated the said docs.
Isaac Gabriel
(Expert) 16 September 2017
File a case in consumer forum for remedy.
Dr J C Vashista
(Expert) 17 September 2017
Too long a story, be precise and brief otherwise consult a local lawyer.
Advocate Bhartesh goyal
(Expert) 17 September 2017
Approach to Consumer Forum for Banks deficiency in services and claim compensation.
Rajendra K Goyal
(Expert) 17 September 2017
Agree, file complaint with the consumer forum.
Guest
(Expert) 17 September 2017
Mr RK Goyal do not misuse the photo of an innocent child with out the consent/permission of its parents Being an Anonymous do not take illegal/criminal advantage
