FROM

KETAN UMEDSINH PADHIYAR
6/287, HAVELI MOHALLA / STREET
BEHIND MOTA BAZAAR
NAVSARI 396001
STATE GUJARAT
INDIA

Date: March 24, 2010

To
Dr. Kamla Beniwal ji
Hon\'ble Governor of Gujarat,
Gandhinagar - 382020,
INDIA

Namaskar, Your Highness!!

I am Ketan Padhiyar, from Navsari, town near to Surat, State Gujarat, INDIA. I had availed a mortgage loan against my residence. My Loan Number is 15258049. I am a farmer, and also having a Slate Manufacturing Unit which falls under Small Scale Industries, for which I also have the registered SSI Number. Due to the financial meltdown prevailing, my business has been severely affected. Since the time I have availed the loan, I was regular in paying my monthly dues. But due to the meltdown, as mentioned above, my sales have reduced, and that has affected my income. I could not pay up the monthly installments from January 2009. I had brought this to the notice of the Citi Finance branch officials previously. Inspite of my informing them, I am being harassed and being coerced to pay up or face physical assault. The Citi Finance recovery Goondas regularly keep on visiting my residence in my absence and keep on threatening my parents and my sisters. They have been using derogatory remarks and language which I am ashamed to mention in my mail. My father, who was a very senior citizen, aged 84, was manhandled by these Goondas, at various occasions. I had informed the officers and bought this to the notice of the Citi Finance staff previously. Being a heart patient, I was afraid that my father will not be able to sustain the regular hooligans on the part of the Recovery Goondas. These Goondas kept on visiting my residence at odd hours, even after sunset, which is not permissible under the guidelines issued by the apex bank, the Reserve bank of India. On March 13, 2009, six of some unknown persons claiming to be from Citi Finance, visited my residence, in my absence at about 6:45 in the evening and met my parents and sisters, at my residence. They threatened my father and mother that they would not mind in physically assaulting me in public, if I do not pay up the pending installments, within day one. My worst fears came true when my father faced a severe heart attack, the same day, and he expired. I was shocked, at the happenings, and I never expected things to turn ugly in this way. I was advised by many of my colleagues, to bring this to the notice of the higher ups, the apathy I faced on the part of the Citi Finance organization. I was advised to look for a good legal luminary so that my matter is put up at the right level. But as I mentioned that I am short of funds, due to the meltdown, I was not able to consult a good legal expert. If at all I had the money and funds, I would have deposited in the bank and would have cleared my pending installments. I had taken the loan to invest in my business. But I never knew that the global meltdown would have a cascading affect at the level of my business. Now that I have lost my father, I do not wish to loose my mother, who too, is a senior citizen. My sister is handicapped, and is bed ridden. I wish to register my protest, and anguish at the way this organization has treated me. I am being threatened that I will be put in prison, and jailed, if I do not pay up. My PDC cheques, which I had given to the Citi finance, are being put in the bank. They very well know that I do not have the funds to pay installments, then, how come I will be having the funds to pay up the entire loan amount. I have time and again mentioned that I do not have malafide intentions to not to pay up. I am very well in knowledge that I have mortgaged my residence for the loan amount. And that I do not have any other alternate place to go for. So, in any case, I have to pay up the loan amount.
I write upon your high office, to guide me. Even the Central government, has issues such guidelines to the financial organizations to be lineate, in such cases, keeping in mind the current situation prevailing around the world. Big national and multi national companies, inspite of having big brains and well highly educated executives, are not able to sustain, then I am a just mole in the field. I have written several letters to the RBI and Department of Non Banking Services informing them, the ill treatment meted out to me and my family. I write to your highness to please save my me and my family from the harrasment meted out on the part of the Citi bank officials and its recovery goondas who deliberately keep on visiting my residence and keep on calling from unknown numbers. Your Highness, Please guide me

Thanking you


Ketan Padhiyar
Navsari
State Gujarat
INDIA
0********61




RESPONDENT:

1. Registered Post
Citibank N.A.,
Mail Room
No.2, Club House Road
Chennai - 600 002



2. Citibank N.A.,
14, Adarsh Society,
Opposite Kakadia Complex,
Ghod Dhod Road,
Surat - 395 007,
Ph: 0261-4015535