[Resolved] Bank Of Baroda — Illegal undue harassment

shradhuj

from Pune, Maharashtra

Feb 23, 2012

Address: Pune, Maharashtra

1. The C.D. no. 2 is a widow and she lives alone at this time in her flat in Woodland, Kothrud, Pune 411 038; as her son the C.D. no. 5 has gone abroad on work.

2. All of a sudden on 31st January 2012 at 11 am the C.D. no. 2 was visited two officers of the C.H. Bank. One of them was Lokya Naik, Chief Manager, Bank of Baroda (appeared to be a South Indian person mobile number [protected]) and other was a Maharashtrian gentleman with a name that sounded like Bharad.

3. Before the C.D. no. 2 could get a grip of the situation, the said men entered her flat and started telling her that they had come for "Vasuli" of her loan. They insisted that she must repay the outstanding amount, otherwise the Bank will proceed to attach her flat. Not only that, they also threatened that the Bank will initiate action through the "Interpol" against the son of the C.D. no. 2 i.e. C.D. no. 5, who is presently in USA on work.

4. The said two persons continued haranguing and badgering the C.D. no. 2 to pay at least some amount of the alleged outstanding before 31st March 2012. In this manner Shri. Naik and his companion kept harassing the C.D. no. 2 and refused to leave undtill (on the verge of an emotional breakdown) promised to contact them in ten days.

5. The C.D. no. 2 was so agitated and upset by all the threats that after the C.H.'s officers left she fainted and had to be rushed to the doctor (by her daughters). It was discovered that the C.D. no. 2 who is not otherwise herpertensive, got high Blood pressure, which caused the faint. The C.D. no. 2 has attached her doctor's certificate.

6. The action of the C.H. is highly objectionable and dangerous. More so considering that the matter is sub-judice. In fact, the Hon'ble Supreme Court has warned banks against intimidating borrowers in this manner.

7. The C.D. no. 2 reserves her right to file criminal and other complaints in the relevent forums. However, as the matter is sub-judice, she considered it necessary to inform this Hon'ble forum about the highly illegal and objectionable behaviour of the C.H. and its officers.

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Aug 13, 2020

Complaint marked as Resolved

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Comments

SHRI DEV ANAND

from Didwana, Rajasthan

Mar 29, 2010

Bank of Baroda — HARRESHMENT BY THE BANK

sir, my complain against bank of baroda credit cards.first the agent of the bank sold us cleverly& forcely credit card with telling any charge or late charge,service charge.our card no [protected].we used the card 5,000 in cash and 25,000 our card limit was 30,000.we deposited 1540 rupees on 20/12/2005, 2000 on 6/3/2007, 2000 on 9/7/2008, 1000 on 9/8/2008, 1000 on 1/11/2008, 1000 on 3/1/2009, 1000 on 1/4/2009, 1000 on 1/6/2009, 1000 on 22/7/2009, 1000 on 2/8/2009 til this date i paid 12,540 but the bank said you have to pay more than 1,00000.we requested them we had done settalment with the bank 39,000 rupees our balance money we had to pay now 27000.but after settellment on19th feb 2010 they again send a letter demanded 93 thousand rupees with many a service charge and late charge and bank is saying we are gonig to the court til 31 march. so sir i am belongs to lower middle class family and bank is doing harreshment with us on phone and letters.please sir save us of this financial harreshment.and do some thing immediatly against the bank. i,ll very thankful for you DEV ANAND

abhinay.gawali

Jul 8, 2010

You are right from your part but also your mistake is that you did not read the terms and conditions given in the booklet of the credit card. Every bank cares about its reputation and its not locally but centrally handled. You have taken really long time to pay back the amount you used through Credit Card. Also you could get the statement of the Credit Card to know your monthly interest or any charges you would be charged if you delay in any payment.
Giving reason of the agent makes no sense here as these facilities are been outsourced. But Credit Card company makes sure of the terms and conditions are sent to you along with your card.
You can of course try and claim for this issue as the charges put by them are more than your transaction. But its left to Consumer Court to get you the solution for this.

Good luck.