This is regarding my Maruti wagon R Reg no Car Loan that i got approved from Kotak Mahindra Bank in August 2007. My Car loan no is CF4108625 with EMI of Rs 6565/-. I shared a good credit history with Kotak till 2009, when my car met with an unfortunate accident, where in my family went through huge financial losses. Because of certain unavoidable reason i had to miss my EMI for the period of Aug 2009 to Nov 2009. Since then I have been paying my EMI through Cheque which is dated for 30th of every month. As this case is now being handled by Mr Pankaj Chaudhry(Collection Head- Lucknow, Kotak prime) so he follows up with me every month for the payment. During his followup with me for March 2011, I requested him to send an executive to my office who can come and collect the cheque from my office in CP, Delhi. But Mr Pankaj behaved rudely with me and asked me to make the payment immediately or else I will have to face some dire consequences.I politely refused to abide by his statement and suggested to make the payment next day as it was late night. On 27 April 2011, Mr Pankaj chaudhry along with few colleagues approached my residence 8/317, Vikas nagar Lucknow and threatened my family to recover the car. My mother and sister were the only member present at that time in the house.He misbehaved and threatened them which was unexpected for us.
Unwillingly we had to report the complete matter to Vikas Nagar, Police station for the help. Timely arrival of the police has spared us from the harassment that day but to a certain extent All this was being done without any prior notice or intimation by the bank or their so called authorities. They were claiming my car Maruti Wagon R Reg no UP40E4888 by the notice of sole arbitrator Ms Gitanjali Malviya. Sir, as far as my understanding of consumer rights and discussion with consumer forum Ref no:280226 goes ,an arbitrator can only put a case into process and can not instruct the recovery of car Forcefully until and unless its an order by the court. But still Kotak bank is adamant on their notice and harassing my family for the recovery of this car.Mr Pankaj Chaudhary misbehaved with my mother and sister as they were alone at home, because of which we have to take support from local police. This action was solely done by Mr Pankaj Chaudhary as revenge action and have nothing to do with standard banking policies. I have already registered a complaint with Kotak Mahindra Prime Ltd. Ref no: 1193786155, and they are yet to revert back on this. Sir, I have already paid more than 2,40,000/- of my loan amount for which I am attaching the relevant Documents. Also find attached account statement of my last five month (till feb’11) acknowledgement receipts by the bank and relevant doc of my accident in Aug 2009. I hope you will acknowledge my concern with positive response from your end. Will appreciate a positive and early response.
Email Id: mishra.pranava777@gmail.com