Complaint Details

Status	:	Closed
Complaint No	:	0101525/2018
Category	:	Banking
Date	:	20-02-2018
Subject Line	:	Objection against rejection without having any valid ground
Complainant	:	Vipin V Nair
Address	:	Makayiram,TC9/939/5,Maruthankuzhy,Kanjirampara P O
Complainee	:	PNB Housing FInance Ltd
Address	:

Complaint Details
I had applied for a housing loan vide application No.REF/HOU/TRI/0118/482954 through your registered office at Trivandrum on 24.01.2018. Whereas on 25.01.2018 the sales executive, Who dealt with my application, was returned my documents on the ground that PNB rejected my loan application. As and when heard this, I just wondered about rejection since he faile to adduce necessary documentary evidence to prove"WHY AND ON WHICH GROND" my application was rejected. Finally I contacted Mr. Soji Cheriyan, Relationship officer, Trivandrum over phone owing to obtaining a clarity over the rejection of application. But it is astonishing to note that he didn't reveal anything happened to my application and informed me that the bank is having their own liberty to reject and accept the applications submitted by general public without having any reasons whatsoever. Further he informed that if I visit that branch in person he can issued a certificate that "your housing loan application is rejected". This is not at all fair and equitable and the banking sector shall have to reveal at-least the fate of the application submitted by a citizen of India.
You may have observed that as and when you get my application, the PNBHL issued a receipt showing application number and likewise others. But on rejection they failed to inform me through a valid reason. As a citizen of India, rights is guaranteed to know the real reason and ground which adopted by your goodself in rejection. otherwise it can be said to be a clear violation fundamental rights guaranteed under the constitution of India.The fact informed by Mr.Soji Cheriyan is not withstand before the eye of law and accordingly thrown away scornfully. This was the main reason why I constraint to write you through this medium. Hence in the Interest of Justice, I request that PNBHL authaority may be directed vto furnish the real reason and exact ground for rejection of my application dtd.24.1.2018 .
Thanking you
Vipin V Nair

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