Misbehavior, no service provided, document handover
Querist :
Anonymous
(Querist) 27 July 2024
This query is : Resolved
I had a home loan account with a top-up at 9.4% and 11.6% respectively with UCO Bank. The rate of interest was much higher than normal, so I applied for a loan with Canara Bank, which took over the loan at 8.3%. During the whole process, I didn't inform my previous bank because I had all the documents with me except the List of Documents (LoD). I received the LoD with a letter in one day stating it was for my personal use. Once the loan was disbursed, all the outstanding amounts were paid to the loan account. I approached UCO Bank and explained the full and final settlement. The branch manager behaved very rudely with me, said some unethical words, and told me that if he had known this earlier, he would not have provided the LoD in one day but would have taken 10-15 days. When I asked about the deed and all, he said I was not required and that I could authorize someone or they could give it to the co-applicant. He rejected my application for a No Due Certificate and the deed. I took a letter from Canara Bank where their manager stated to please hand over the documents to the Canara Bank official as they have taken over the loan. The UCO Bank manager didn't accept that and threw the letter. After all this incident, I raised a complaint to UCO Bank's head office via mail and stated about the misbehavior and not providing me with the NOC, deed, and all. I also wrote to close my account and hand over my documents to a Canara official or my father because I would not be available to collect them. The next day they called my father, whom they know, and closed my account but did not hand over the No Due Certificate. For the deed, they started telling that they would hand it only to the owner. When discussed about the authorization letter, they said they would check and inform. It's been a week and I have not received my documents from the bank. I was on leave for three weeks during which I did the loan transfer. Now I am not in my hometown. I am in Chennai and they are not telling anything nor accepting any letter. What should I do? Canara Bank sent an email and letter to UCO Bank about the documents and they are not receiving or replying to it.
T. Kalaiselvan, Advocate
(Expert) 27 July 2024
You resort to legal action by first sending a legal notice to the bank manager giving the complete details of what has happened from the beginning including his unpleasant and unethical behavior with the customers and demand the documents with a copy endorsed to the higher officer of the branch of the bank and after that you can escalate the mater through appropriate legal forum
