Dear Respected members of Lawyers Club India,
I need your help on a fraud done with us by Ujjivan Small Finance Bank having branch in Nangloi, Delhi.
Actually a small working capital loan was sanctioned in the name of my mother for 18 monthly installments of Rs.2563/- each from above mentioned bank.
At the time of Covid -19 first wave a bank personnel came our house and offered us a Loan moratorium but we refused the same because in loan moratorium the loan will increased to 26 monthly installments from original 18 months. We paid all the installments and the last installment paid by us in June, 2021. Now few days earlier a bank personnel of the above bank visited our house and told us to pay Rs. 4050/-. He told us that your loan period was restructured through a loan moratorium and total 26 installments of Rs. 1600/- each were created. According to which the excess payments received from yourself were credited in your account and now Rs. 4050/- is still pending.
We visited the bank branch on the same date and ask for why they applied Loan Moratorium in our account without informing us but they did not provide a satisfiable reply. Then we complaint about the situation at their Norther Region Nodal Office.
Yesterday, I received an Email from bank stating that loan was restructured through a application received from customer. The attached Loan Restructure application form contains forged signature of my mother. On a single view anyone can trace that the signature are fake.
Please help me about how and where should I complaint about the culprits. In our case you can say that amount is not so big, but it is about trust on banks and serious concern about the malpractices followed in banking system in India.