To
The Banking Ombudsman,
Reserve Bank of India,
Chandigarh
Sub: - Deficiency in services with malafide intension of staff.
With most due respect I am Gurbakhshish Singh R/o Bathinda, Punjab. I want to state that I have accounts in PNB Rampura Branch having account numbers 040300********31 (CC Limit) and 040300JK00000019 (Term Loan) with the name of G.D. Contractor & Suppliers and I am the sole proprietor of the company.
In the year 2011 when I was in need of money for my expansion plans I met Chief Manager of PNB, Rampura Branch and DGM, Bathinda who said that if I will do some personal favour to them then they will help me in getting loan from the Bank. In the month of October, 2011 I got my term loan of Rs. 1,00,00,000/- (One Crore Only) and later on in the month of December a CC limit of Rs. 95,00,000/- (Ninety Five Lacs Only). In return I gave them whatever they expected from me at that time. From that day (20/10/2011) till April, 2012 I was regularly paying back my EMI against the same, which is approximately 20 Lacs in Rupees. In fact in April, 2012 I paid EMI upto the month of July in advance.
But in the month of July and August Mr. G.S. Gandhok (D.G.M. PNB, Bathinda) and Mr. S.R. Garg (Senior Manager Rampura Branch) called me up in PNB, Bathinda Branch and asked me for personal favour in form of money. At the same time I told them that I cannot give them more cash or kind.
Afterwards I along with my friend met Mr. G.S. Gandhok (D.G.M. PNB, Bathinda) in the last week of September, 2012 and told him that I want to deposit my overdue amount till September 30th but he said that my account will remain NPA even if I will pay just double of my overdue amount. He said that I cannot do anything and there is no other solution for my NPA Account except I have to pay the full and final payment.
Sir, I really do not understand how my account stands for NPA. Is it ethical in my case? Even though I am ready to pay my overdue amount to regularize my loan.
Here I want to put this thing in your knowledge that I have more than 25 loans with different banks and all of them are regular. Infact all the banks feel privileged in providing loan to me as I am an esteemed client of various banks and have a very good credibility and track record in respective banks.
Over the top PNB Bank released a surfaesi notice in National Daily Newspaper [Tribune] dated 11.10.2012 alongwith my name. As a result of which my sanctioned loan of Rs. 4.25 Crore with another bank got cancelled and thereby my all business work got blocked.
Because of that notice in National Daily I got a setback as my social and professional image was hurt due to the same.
I kindly request you to look over or follow up the entire case personally and take proper action so that image of PNB will not get ruined in public.
A letter dated 23.10.2012 addressed to B.M. Rampura Phul and Copied to FGMO, Ludhiana has been sent already.
At last I want to tell you that I am along with my family is going through a Mental Dilemma because Senior Manager Mr. S.R. Garg is harassing us by coming to our residential place unofficially at odd timings and asking us that when we are going to deposit the money.
Finally, I want to quote this thing very strongly that I was and I am ready to pay my all outstanding amount till date to regularize my account. Kindly help us to come out of it by doing the proper justice.
Sh. K.R. Kamath (Chairman), 5 Sansad Marg, New Delhi
Smt. Sumita Roy (G.M.), Customer Care Centre, H.O. - 5 Sansad Marg, New Delhi
FGMO, PNB, Ludhiana
Sh. K.K. Yadav (D.C., Bathinda)
Sh. R.S. Brar (S.S.P., Bathinda)
Chief Vigilance Officer, Sh. Shiv Kumar Gupta, Punjab National Bank, New Delhi – 110066
• Sir we have informed all the dignified before 5 months members of Bank & State but nobody is responding & acting upon the respective problems. They are now trying to illegally possess my property where I and my family are residing. It is a request that installment of my standing amount should be restructured (as in amount should be decreased) of installment and I am ready to pay the interest and principal amount. Kindly minimize the amount of interest respectively.
Thanking You
Date : 30/04/2013 Sincerely Yours
M/s G.D. Contractor & Suppliers
CC: -
1. DRT, IInd Floor, PNB House, Bank Square, Sector-17-B, Chandigarh
To
The Banking Ombudsman,
Reserve Bank of India,
Chandigarh
Sub: - Deficiency in services with malafide intension of staff.
With most due respect I am Gurbakhshish Singh R/o Bathinda, Punjab. I want to state that I have accounts in PNB Rampura Branch having account numbers 040300********31 (CC Limit) and 040300JK00000019 (Term Loan) with the name of G.D. Contractor & Suppliers and I am the sole proprietor of the company.
In the year 2011 when I was in need of money for my expansion plans I met Chief Manager of PNB, Rampura Branch and DGM, Bathinda who said that if I will do some personal favour to them then they will help me in getting loan from the Bank. In the month of October, 2011 I got my term loan of Rs. 1,00,00,000/- (One Crore Only) and later on in the month of December a CC limit of Rs. 95,00,000/- (Ninety Five Lacs Only). In return I gave them whatever they expected from me at that time. From that day (20/10/2011) till April, 2012 I was regularly paying back my EMI against the same, which is approximately 20 Lacs in Rupees. In fact in April, 2012 I paid EMI upto the month of July in advance.
But in the month of July and August Mr. G.S. Gandhok (D.G.M. PNB, Bathinda) and Mr. S.R. Garg (Senior Manager Rampura Branch) called me up in PNB, Bathinda Branch and asked me for personal favour in form of money. At the same time I told them that I cannot give them more cash or kind.
Afterwards I along with my friend met Mr. G.S. Gandhok (D.G.M. PNB, Bathinda) in the last week of September, 2012 and told him that I want to deposit my overdue amount till September 30th but he said that my account will remain NPA even if I will pay just double of my overdue amount. He said that I cannot do anything and there is no other solution for my NPA Account except I have to pay the full and final payment.
Sir, I really do not understand how my account stands for NPA. Is it ethical in my case? Even though I am ready to pay my overdue amount to regularize my loan.
Here I want to put this thing in your knowledge that I have more than 25 loans with different banks and all of them are regular. Infact all the banks feel privileged in providing loan to me as I am an esteemed client of various banks and have a very good credibility and track record in respective banks.
Over the top PNB Bank released a surfaesi notice in National Daily Newspaper [Tribune] dated 11.10.2012 alongwith my name. As a result of which my sanctioned loan of Rs. 4.25 Crore with another bank got cancelled and thereby my all business work got blocked.
Because of that notice in National Daily I got a setback as my social and professional image was hurt due to the same.
I kindly request you to look over or follow up the entire case personally and take proper action so that image of PNB will not get ruined in public.
A letter dated 23.10.2012 addressed to B.M. Rampura Phul and Copied to FGMO, Ludhiana has been sent already.
At last I want to tell you that I am along with my family is going through a Mental Dilemma because Senior Manager Mr. S.R. Garg is harassing us by coming to our residential place unofficially at odd timings and asking us that when we are going to deposit the money.
Finally, I want to quote this thing very strongly that I was and I am ready to pay my all outstanding amount till date to regularize my account. Kindly help us to come out of it by doing the proper justice.
Sh. K.R. Kamath (Chairman), 5 Sansad Marg, New Delhi
Smt. Sumita Roy (G.M.), Customer Care Centre, H.O. - 5 Sansad Marg, New Delhi
FGMO, PNB, Ludhiana
Sh. K.K. Yadav (D.C., Bathinda)
Sh. R.S. Brar (S.S.P., Bathinda)
Chief Vigilance Officer, Sh. Shiv Kumar Gupta, Punjab National Bank, New Delhi – 110066
• Sir we have informed all the dignified before 5 months members of Bank & State but nobody is responding & acting upon the respective problems. They are now trying to illegally possess my property where I and my family are residing. It is a request that installment of my standing amount should be restructured (as in amount should be decreased) of installment and I am ready to pay the interest and principal amount. Kindly minimize the amount of interest respectively.
Thanking You
Date : 30/04/2013 Sincerely Yours
M/s G.D. Contractor & Suppliers
CC: -
1. DRT, IInd Floor, PNB House, Bank Square, Sector-17-B, Chandigarh