Personal loan fraud
6 years ago
I have applied for personal loan they took 2600rs as processing fees. Then ask another 7000rs I denied I ask for refund now they are ignore and not answering what should I do legally?
Deepak Yashwantrao Bade
Responded 5 years ago
A.dear client in your matter kindly Please share complete details for an advice.
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A.You can lodge complaint with BANKING OMBUDSMAN in the following format.
Annexure ‘A’
FORM OF COMPLAINT(TO BE LODGED ) WITH THE BANKING
OMBUDSMAN
(FOR OFFICE USE ONLY)
Complaint No. ………of year ..…
Date ……………………..
(TO BE FILLED UP BY THE COMPLAINANT)
To
The Banking Ombudsman
(*Territorial jurisdiction,
Place of BO’s office……)
Dear Sir,
Sub: Complaint against … … … … … … … … .(Name of the bank’s branch) of
… … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … (Name of the
Bank)
Being aggrieved the complainant named herein has submitted a
complaint with the above referred bank.. Details of the complaint are
as under :
1. NAME OF THE COMPLAINANT … … … … … …
2. FULL ADDRESS OF THE COMPLAINANT … … … … … … … …
… … … … … … … …
… … … … … … … …
27
PIN CODE … … … … … … … ..
PHONE NO. / FAX NO.… … … … … … … …
3. COMPLAINT AGAINST (NAME AND FULL
ADDRESS OF THE BRANCH/ BANK ) … … … … … … … … … … .
… … … … … … … … … … .
PIN CODE … … … … … … … … .
PHONE NO. / FAX NO. … … … … … … … … .
4. PARTICULARS OF BANK ACCOUNT
(Please state nature of account viz. Savings bank/current/cash
credit/term deposit/loan account etc. related to the subject matter
of the complaint being made )
… … … … … … … … … … … … … … … … … … … … … … … … … … … … … … …
5. (a) DATE OF REPRESENTATION BY THE COMPLAINANT TO
THE BANK … … … … … … … … … .
(Please enclose three copies of the representation)
(b) Whether any reminder was sent by the complainant? YES /NO
(If yes, please enclose three copies of the reminder)
6. SUBJECT MATTER OF THE COMPLAINT
(Please refer to Clause 12 of the Scheme)
… … … … … … … … … … … … … … … … … … … … … … … … … … … … … ..
7. DETAILS OF THE COMPLAINT
(If space is not sufficient Please enclose separate sheet)
… … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … …
… … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … …
… … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … …
… … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … …
… ..
28
8. (a) Whether any reply (Within a period of one month after the
bank concerned received the representation) has been received?
YES / NO
(If yes, please enclose ‘three copies’ of the bank’s reply)
(b) Whether the representation has been rejected ? YES/ NO
(If yes, please enclose ‘three copies’ of the bank’s letter)
(c) Whether the complainant has received any other final decision of
the bank?
YES/ NO
(If yes, please enclose ‘three copies’ of the bank’s letter
conveying its final decision)
9 NATURE OF RELIEF SOUGHT FROM THE BANKING OMBUDSMAN
… … … … … … … … … … … … … … … … … … … … … … … … … … … … … …
( Please enclose ‘three copies’ of documentary proof, if any, in
support of your claim)
10. NATURE AND EXTENT OF MONETARY LOSS, IF ANY, CLAIMED BY
THE COMPLAINANT BY WAY OF COMPENSATION Rs.… … … … … … .
(Please enclose documentary proof, if any, to show that such loss is
actual loss caused as a direct consequence of alleged omission or
commission of the bank)
11. LIST OF DOCUMENTS ENCLOSED
(Please enclose ‘three copies’ of all the documents)
12. DECLARATION
1. I/ We , the complainant/s herein declare that:
(a) the information furnished herein above is true and
correct; and
(b) I/ We have not concealed or misrepresented any fact
stated in aforesaid columns and the documents submitted
herewith.
2. The complaint is filed before expiry of period of one year
reckoned in accordance with the provisions of Clause 13(3) (a)
and (b) of the Scheme.
29
3. (a) The subject matter of the present complaint has never
been brought before the Office of the Banking Ombudsman by
me/ or by any one of us or by any of the parties concerned
with the subject matter to the best of my/ our knowledge.
(b) The subject matter of the present complaint is not in
respect of the same which was settled through the Office of
the Banking Ombudsman in any previous proceedings
(c) The subject matter of the present complaint has not been
decided by any forum/court/arbitrator.
OR
The subject matter of the present complaint is pending
since (please mention the date when the matter was filed)
… .. before …… (*Please mention the name of the
forum/court/arbitrator before whom the ) and the
proceedings are likely to take longer time in its final
adjudication as contemplated in Clause 13(4) (c) of the
Scheme.
4. I/We authorise the bank to disclose any such information/
documents furnished by us to the Banking Ombudsman and
disclosure whereof in the opinion of the Banking Ombudsman
is necessary and is required for redressal of any other
complaint or our complaint.
5. I/We have noted the contents of the Banking Ombudsman
Scheme, 2002.
Yours faithfully
(Signature)
(Complainant )
NOMINATION
Annexure ‘A’
FORM OF COMPLAINT(TO BE LODGED ) WITH THE BANKING
OMBUDSMAN
(FOR OFFICE USE ONLY)
Complaint No. ………of year ..…
Date ……………………..
(TO BE FILLED UP BY THE COMPLAINANT)
To
The Banking Ombudsman
(*Territorial jurisdiction,
Place of BO’s office……)
Dear Sir,
Sub: Complaint against … … … … … … … … .(Name of the bank’s branch) of
… … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … (Name of the
Bank)
Being aggrieved the complainant named herein has submitted a
complaint with the above referred bank.. Details of the complaint are
as under :
1. NAME OF THE COMPLAINANT … … … … … …
2. FULL ADDRESS OF THE COMPLAINANT … … … … … … … …
… … … … … … … …
… … … … … … … …
27
PIN CODE … … … … … … … ..
PHONE NO. / FAX NO.… … … … … … … …
3. COMPLAINT AGAINST (NAME AND FULL
ADDRESS OF THE BRANCH/ BANK ) … … … … … … … … … … .
… … … … … … … … … … .
PIN CODE … … … … … … … … .
PHONE NO. / FAX NO. … … … … … … … … .
4. PARTICULARS OF BANK ACCOUNT
(Please state nature of account viz. Savings bank/current/cash
credit/term deposit/loan account etc. related to the subject matter
of the complaint being made )
… … … … … … … … … … … … … … … … … … … … … … … … … … … … … … …
5. (a) DATE OF REPRESENTATION BY THE COMPLAINANT TO
THE BANK … … … … … … … … … .
(Please enclose three copies of the representation)
(b) Whether any reminder was sent by the complainant? YES /NO
(If yes, please enclose three copies of the reminder)
6. SUBJECT MATTER OF THE COMPLAINT
(Please refer to Clause 12 of the Scheme)
… … … … … … … … … … … … … … … … … … … … … … … … … … … … … ..
7. DETAILS OF THE COMPLAINT
(If space is not sufficient Please enclose separate sheet)
… … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … …
… … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … …
… … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … …
… … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … … …
… ..
28
8. (a) Whether any reply (Within a period of one month after the
bank concerned received the representation) has been received?
YES / NO
(If yes, please enclose ‘three copies’ of the bank’s reply)
(b) Whether the representation has been rejected ? YES/ NO
(If yes, please enclose ‘three copies’ of the bank’s letter)
(c) Whether the complainant has received any other final decision of
the bank?
YES/ NO
(If yes, please enclose ‘three copies’ of the bank’s letter
conveying its final decision)
9 NATURE OF RELIEF SOUGHT FROM THE BANKING OMBUDSMAN
… … … … … … … … … … … … … … … … … … … … … … … … … … … … … …
( Please enclose ‘three copies’ of documentary proof, if any, in
support of your claim)
10. NATURE AND EXTENT OF MONETARY LOSS, IF ANY, CLAIMED BY
THE COMPLAINANT BY WAY OF COMPENSATION Rs.… … … … … … .
(Please enclose documentary proof, if any, to show that such loss is
actual loss caused as a direct consequence of alleged omission or
commission of the bank)
11. LIST OF DOCUMENTS ENCLOSED
(Please enclose ‘three copies’ of all the documents)
12. DECLARATION
1. I/ We , the complainant/s herein declare that:
(a) the information furnished herein above is true and
correct; and
(b) I/ We have not concealed or misrepresented any fact
stated in aforesaid columns and the documents submitted
herewith.
2. The complaint is filed before expiry of period of one year
reckoned in accordance with the provisions of Clause 13(3) (a)
and (b) of the Scheme.
29
3. (a) The subject matter of the present complaint has never
been brought before the Office of the Banking Ombudsman by
me/ or by any one of us or by any of the parties concerned
with the subject matter to the best of my/ our knowledge.
(b) The subject matter of the present complaint is not in
respect of the same which was settled through the Office of
the Banking Ombudsman in any previous proceedings
(c) The subject matter of the present complaint has not been
decided by any forum/court/arbitrator.
OR
The subject matter of the present complaint is pending
since (please mention the date when the matter was filed)
… .. before …… (*Please mention the name of the
forum/court/arbitrator before whom the ) and the
proceedings are likely to take longer time in its final
adjudication as contemplated in Clause 13(4) (c) of the
Scheme.
4. I/We authorise the bank to disclose any such information/
documents furnished by us to the Banking Ombudsman and
disclosure whereof in the opinion of the Banking Ombudsman
is necessary and is required for redressal of any other
complaint or our complaint.
5. I/We have noted the contents of the Banking Ombudsman
Scheme, 2002.
Yours faithfully
(Signature)
(Complainant )
NOMINATION
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NILANJAN CHATTERJEE
Responded 6 years ago
A.send them a legal notice, then file a complaint to RBI and then file a case in consumer forum.
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