Bank My gold loan not renewed reason my brother loan is pending
8 months ago
I have a gold loan from HDFC Bank. that is matured.
I am staying in another country. So, I am not recheble to my HDFC bank account branch. So I requested kindly renew again. Bank said any one need to sign in the branch. My father went and all the documents signed.
Then, the HDFC bank is given the below reply.
[As per the confirmation received, we regret to inform you that your loan renewal has been rejected due to pending dues of credit cards or loans with us, which belong to your brother.
We request you to clear the dues and confirm the same.]
I am not signed anywhere as garanter to my brother cards and loans
This reply is as per bank rule, correct or not
If I pay only my gold loan, then my gold will return to me or not
When you are not a guarantor against the credit card dues or any other loans availed by your brother you cannot be held liable for default of your brother in repayment of loan/debt and therefore, the stand taken by the Bank for rejecting your request of renewal of the gold loan appears to be highly arbitrary, unruly and unjustified on the part of Bank and deserve a discreet inquiry to justify the stand of the Bank. So, in the prevailing situation, you need to register complaints under the Integrated Ombudsman Scheme of RBI in the web link: https://cms.rbi.org.in/cms or contact RBI Toll-Free Number 14448 when you have already registered your complaint to the concerned Bank and it has been rejected by them or you didn't get any answer within 30 days. you can also make a complaint through email to the Centralized Receipt and Processing Center notified by RBI. For this, you have to write your complaint and send it by email to: [email protected] for redressal of your grievance.
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