Learned experts/members have given valuable advice. Kindly follow it.
The bank matches signature with naked eye.
The signature is different as seen with naked eye.
The bank official should get the signatures from applicant and guarantor in person, should see the originals and should mark OSV “Original Seen and verified” on copies of documents collected from applicant and guarantor.
You may charge the executive, BM who has signed and countersigned on the loan application and has forwarded/recommended/processed/passed the loan application.
As per guidelines issued by RBI, BCSBI bank should issue certified copies of documents e.g. loan application, loan agreement………..without any cost.
Bank is under code of committement to customers, Fair Practices Code.
There are designated code compliance officers.
You have complained to the Nodal Officer of the bank who has to act in good faith, in a lawful manner, forward the complaint to initiate inquiry and proceedings and comply with set guidelines and law of the land.
As you have handwriting expert report you can charge one and all involved and those who have not acted on your complaint, in the fraud.
You should escalate to MD, Chairman of the bank and thus make them a party.
RBI has issued guidelines to provide CIBIL report/Credit report to the customers, against a nominal charge. You may obtain copy of the report in which name of member of CIBIL (bank) which has reported you as a defaulter, is mentioned and proceed against the bank for willfully and intentionally defaming you.
You can complain to Vigilance Cell of the bank, RBI……