Complaint Details

Status	:	Closed
Complaint No	:	0013939/2013
Category	:	Banking
Date	:	08-12-2013
Subject Line	:	CHARGING INSURACE PREMIUM WITHOUT ANY CONSENT
Complainant	:	ASHOK KUMAR THAKUR
Address	:	FN NO 2/D SNEH PLAZA SARDAR PATEL PATH NORTH S K PURI
Complainee	:	STATE BANK OF INDIA
Address	:

Complaint Details
Sir,

IN YR 2012 OCT I TRANSFERRED MY HOME LOAN OF 13.5 LAC FROM BOB TO SBI. AT THAT TIME THEY DO NOT ASKED ABOUT ANY GENERAL INSURANCE FOR PROPERTY, NEITHER THEY ASKED ME TO COLLECT ANY INSURANCE DOCUMENT FROM MY PREVIOUS LENDER (BOB), BANK GOT TRANSFERRED THE DOUCUMENTS ON THEIR OWN.
SINCE THE TIME OF TRANSER OF MY HOME LOAN ,I HAVE BEEB PAYING MY EMI AMOUNT OF RS.13028 ,TO SBI ON DATE WITHOUT ANY FAIL. ON 29/11/13 , BANK DEBITED AN AMOUNT OF Rs 31560, WITHOUT ANY PRIOR INFORMATION, WHEN CONTACTED BANK AUTHORITY THEY GAVE ME VERBAL EXPLANATION THAT , BANK HAS CHAGED THIS AMOUNT FOR GENERAL INSURANCE OF PRPERTY, BUT DENIED TO GIVE ANY WRITTEN DOUCUMENT FOR THAT.ON THE CONTRARY THEY SAID ME TO DEPOSIT THE AMOUNT LATEST BY 25/12/13, OTHEWISE MY ACCOUNT WILL BE LABELLED AS NPA.
MY QUESTION IS 1. IS IT JUSTIFIED TO CHARGE SUCH A HUGE AMOUNT AT A TIME WITHOUT PRIOR INFORMATION , & PUTTING THE ACCOUNT UNDER NPA
2.SINCE MINE IS TAKE OVER LOAN, MY PROPERTY IS ALREADY INSURED , THEN WHY TO INSURE THE PROPERTY AGAIN
3.IF MY PREVIOUS BANK HAS NOT TRANSERRED THE REQUIRED PAPER TO SBI , SBI SHOULD HAVE INFORMED ME.

please do the needful at earliest .

thanks


ASHOK KUMAR THAKUR

2/D, SNEH PLAZA, SARDAR PATEL PATH
NORTH S K PURI
BORING ROAD ,PATNA
STATE BANK OF INDIA(SBI)
LOAN AC NO:00000032621373979
BRANCH :PBB ,PATN
BRANCH CODE ;04142

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