I have a home loan with ABN AMRO bank since 2003 and this loan is ending in Sept 2009. I have been paying all my EMIs regularly. Since the last week I have been getting recovery calls and letters from the bank and they also sent a man called Anil Sharma to my residence in my absence. My loan ends soon and I really dont know why suddenly ABN AMRO is resorting to this highly unproffessional and derogatory behaviour. Everything was fine since the last 6 years and suddenly I am not sure why their behavior has changed, especially when the loan is almost at the last phase.

I was having a credit card of ABN AMRO BANK and there was a mutual settlement with the bank I suppose 20 months back.The card was settled in three equated installments.
I paid the two installments on time but due to some reasons when I was going to pay the third installment the due date as per the settlement later was over.
So when the bank guy called me after a month I told the problem to him and asked him for a fresh settlement letter or a covering letter with regards to the matter of due date being over but he refused therefore I didn't pay the final installment.Now they are demanding 3 times the amount mentioned in the settlement letter.
Now from last 4 months a guy (B.K.Rai may be his telecalling name) is calling from a phone number i.e. 01147617160 and his behaviour is so atocratic that it seems we are living in 17th century and he is a representative of a NIRANKUSH BADSHAH OF 17TH CENTURY.
Things were bearable till the time he was calling me but somehow he started calling on my aunt's landline number and started harassing my mother who is 65 years old.
I was forced to call police twice but his behaviour with a Delhi Police Sub Inspector was so rude that I felt there are some special powers given to a ABN AMRO BANK's recovery agents that they do not fear even police officers.
I am not having job right now and I continously told him that as soon as things will be settled in my life we will mutually settle th issue but till date he is repeating the same things a smentioned above
Pls save me from this ATOCRASY OF A RECOVERY AGENCY'S EMPLOYEE OF ABN AMRO BANK.

This is with regards to Royal Privilege Club fee debit in to my captioned card.

In this regard I would like to inform you that one of ABN's executive called me and told me the features of this offer as per below:

You will be getting two watches absolutely free (without any handling charges) with offer detail.
After that he told me about offer in detail.
Than he told me that you are going to receive all offer detail in written, first you need to read and when you feel its ok than call again customer care and confirm your booking for this offer and than finally Bank will charge INR 4500/- against this offer.
I told ok but also told 3-4 times that this offer is not acceptable to me till I don’t receive watches and offer detail in written, he told ok, you will received shortly.


After all these conversation, on 10th of July 2009 ABN bank charged INR 4500 + Service Tax, without any confirmation from my side, after 10-15 days I received a letter in which ABN bank informed me that we have charged you INR 4500+Service Tax against above offer without my confirmation (even it was not acceptable to me at all).

When I received letter from bank, I called to customer care and made complain about this and requested to reverse immediately, somehow I made complain and confirmed by executive to get it reversed within 5/10 working days.

After some time, when I asked to ABN's customer care about reversal, again they told me it will reversed soon, I called 4 to 5 times in last 2 months for confirmation about reversal of above charges but it not happened till today.

Due to this debit amount, my current month amount payable is become huge, which was not payable by me at all, accordingly I have paid INR 2468/- against my monthly EMI, rest amount is against above unwanted offer fee.

Today I receive statement for this month in which you have charges late fee INR 650/- Finance Charges Retail INR 182.24 & Finance Charges Cash INR 0.04

The reversal of principle amount INR 4500/- + Service tax has not yet made after 2 months of my request.

now, due to overdue of my account their collection department calling me again and against and making harrasment to me.

please do advise me in this matter

Regards
Vishwjeet Maroti
9871441196

sir,

I am taking laon on 25th March 2008 bank sent dd on 28th March of Rs.48882/- and clr my

account 02.04.2008. and first emi immeidately within three days. I am paying cash on regular basis

but your call centre guyes harresing me on phone. in first statment Rs.1882/- debited me. but what is this amount. if insurance amount

but Rs.50000/- insurance premium is very high. my loan tenure is 24 months form April 2008 till july 16 emi

billed and i am paying total 16 emi as per my records.

My easy cash loan paid payment details as per my record. is as follows

emi date due date ch/ cash clr date amt.

05..04.2008 25/04/2008 474874 24/04/2008 2743
05.05.2008 25/05/2008 492804 25/05/2008 2743

05..06.2008 25/06/2008 492804 26/06/2008 2743

05..07.2008 25/07/2008 492809 22/07/2008 2743

05..08.2008 28/08/2008 543641 24/08/2008 2743

05..09.2008 28/09/2008 543649 22/09/2008 2743

0510.2008 25/10/2008 543656 6/11/2008 2743

05..11.2008 25.11.2008 621208 16/11/2008 2743

05..12.2008 25/12/2008 621216 22/12/2008 2743

05..01.209 25/01/2009 cash 23/01/2009 2743

05..02.2009 25/02/2009 600845 12/0/2009 2743

05..03.2009 25/03/2009 600853 7/03/2008 2743

05..04.2009 25/04/2009 600860 22/04/2009 2743

05.05..2009 25/05/2009 cash 25.05.2009 2850

05.06.2009 25.06.2009 646843 10.06.2009 2743

05.07.2009 25.07.2009 cash 28.07.2009 2820

05.08.2009 25.08.2009 cheque 05, 08, 2009 2743

If your call centre madam harrising me on phone redarding outstandning . i am given further action

against him. bez already i am paying my emi on month to month only 2 emi paid late but before 15 days. last two days call centres collection boys calling me after six pm regarding your emi due but there is no due s form my side. but harrasing me.


Ashok Nikam

09960721615


----- Original Message -----
From: [email protected]
To: "ashok nikam"
Subject: Re: easy cash loan a/c no-7777777773548366
Date: Fri, 1 May 2009 11:42:27 +0530


Dear Mr. Nikam,

This is in reference to your email dated April 27, 2009.

We would like to inform you that the statement date on your loan account is the 5th of every month and the payment due date is 20 days hence. The payment due date for the May 2008 statement was on May 25, 2008.

We did not receive any payment by the said due date. We received your payment of Rs. 2743.00 vide instrument number 474879 on June 06, 2008.

Please note that late fees are levied due to non payment of at least minimum amount due within payment due date.

We have observed that your subsequent payments have been less than the minimum amount due, causing further late fees to be levied.

We regret that we are unable to revers the late fees which have been levied on your loan account.

The total amount payable as per the April 2009 statement was Rs. 10496.13 and the minimum amount due was Rs. 6097.79. We would request you to pay your loan outstanding as per the statements to avoid further collection follow ups.

Should you require further assistance, call our Bank by Phone service in your city and our executive will be glad to assist you.

You may also quote the reference number 00192539010, in case you need any further clarification on the above query.

Assuring you of our best services at all times.

Yours sincerely,
Arundhati Chatterjee


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"ashok nikam" <[email protected]>
04/27/2009 01:27 PM


To: [email protected]
cc: [email protected]
Subject: easy cash loan a/c no-7777777773548366


EASY CASH LOAN ACCOUNT NO IS 777777773548366
OF MR.ASHOK BABANRAO NIKAM
sir,

My easy cash loan paid payment details as per my record. is as follows

25/04/2008 474874 24/04/2008 2743
25/05/2008 492804 25/05/2008 2743

25/06/2008 492804 26/06/2008 2743

25/07/2008 492809 22/07/2008 2743

28/08/2008 543641 24/08/2008 2743

28/09/2008 543649 22/09/2008 2743

25/10/2008 543656 6/11/2008 2743

25/11/2008 621208 16/11/2008 2743

25/12/2008 621216 22/12/2008 2743

25/01/2009 cash 23/01/2009 2743

25/02/2009 600845 12/0/2009 2743

25/03/2009 600853 7/03/2008 2743

25/04/2009 600860 22/04/2009 2743

till date my loan EMI is 13 is already paid . My loan tenaure is 24 months

and i am paying my easy cash loan emi on time to time but your call centre guys call

me and harement me regarding pending of my emi but my kolwege there is no due

if balance which months my payment balance.

pl caryfy as early as possible

Regards,

ASHOK NIKAM
CELL-9960721615


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ASHOK NIKAM
CELL-9960721615

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I am a credit card holder for 4 credit cards with abn amro bank and have never delayed any payments. Recently I did not receive my statement & i was charged dhs. 149/- as late payment fees, as being a good customer paying all the dues on time after long discussions with the tele banking they denied my request to cancel the late payment fees and i had to pay it, again recently they charged me with the credit shield which i called the bank and they told me that it shall be reversed and i just have to pay the outstanding on my cards which i did, now again they charged me the credit shield + late payment fees 159/- each card and when called up the telebanking they refused for any consideration. I have already made the payments on this card but my advise to all the customers who would like to take credit card never ever go for ABN AMRO cards