Grievance Status for registration number : DEABD/E/2023/0055866
Grievance Concerns To
Name Of Complainant
Smt Rajesh Sharma
Date of Receipt
06/08/2023
Received By Ministry/Department
Financial Services (Banking Division)
Grievance Description
Financial Services (Banking Division) >> Misbehaviour/Harassment/Corruption by Bank Staff
Bank/Financial Institute : Reserve Bank of India
Branch / Name of Bank and Branch : branch manager, Punjab National Bank, Civil Lines Bulandshahr ( 203001),Mob.-6395368148
The applicant is Proprietor Om Gas Agency (Rajesh Sharma), Bulandshahr is being exploited by the branch manager Punjab National Bank by making the mockery of the law of land ipso facto.
PNB is one of the 14 banks nationalised in 1969. Government of India continues to hold majority shares of the Bank. So PNB can be called a Government Bank.
The matter concerns with the exploitation of a woman is a widow of an army personnel by the branch manager of the Punjab National Bank.
Reserve Bank of India is a regulatory body of entire financial institutions working on the soil of this country.
Everyone knows that bribery and the exploitation of the working woman has been curse to our society especially public system which is the root cause the applicant is facing too much hardships in carrying out the business of the husband who departed to the heavenly abode in a road accident.
An enquiry under Article 51 A of the constitution of India with the branch manager, Punjab National Bank, Civil Lines Bulandshahr ( 203001),Mob.-6395368148
1-The applicant had submitted the renewal application for the cash credit account before the branch manager quite obvious from the following document.
Central Public Information may provide the noting made by the concerned accountable staff on the renewal application.
2-Provide the name and designation of the staff of the bank who are processing the renewal application of the cash credit account of the proprietor of the Om Gas agency regarding renewal of CC account no.0069608700013264.
3-If the branch manager did not take any action in the matter then branch manager must tell the reason of its decision as required under section 1d of the section 4 of the right to Information act 2005.
4-it is quite obvious that applicant which means proprietor of the Om Gas agency visited repeatedly at the branch office and requested the branch manager to take the appropriate action in the matter in the direction of the renewal of the CC account of the
Grievance Document
Current Status
Case closed
Date of Action
24/08/2023
Remarks
the reply is attached
Reply Document
Rating
1
Poor
Rating Remarks
The staff of the bank search deliberate-cunning tricks to harass a woman because of corruption. 1-Can you auction the house of the applicant if there may be balance of Rs.50 in C.C. Account of the applicant by misusing provisions of SARFAESI Act 2002? Please provide reasonable reply as Right to reason is the indispensable part of the sound administrative system. 2-Please provide the name and designation of the staff of the bank who verified the stock in the year to cycle 2017 during the sanction of the loan and in the year 2022 during the renewal of the loan. 3-Provide the provision of SARFAESI Act 2002 which allows auction notice in 2019 then renewal of C.C. Account and then one more auction notice in 2023 without due proceedings of law. 4-Provide the provision of SARFAESI Act 2002 which allows chief manager to serve multiple arbitrary notices to borrower by chief manager as done in this case. Transparency and accountability is must in the dealings of the bank
Appeal Details
Appeal Number
DEABD/E/A/23/0019494
Date of Receipt
17/09/2023
Appeal Text
An enquiry under Article 51 A of the constitution of India regarding corrupt dealings of Bank. 1-Can you auction the house of the applicant if there may be balance of Rs.50 in C.C. Account of the applicant by misusing provisions of SARFAESI Act 2002? 2-After O.T.S., you did the renewal temporarily and applicant submitted renewal application. According to rule, you had to pursue the procedure of law to make the loan N.P.A. but you have not followed but making mockery of provisions of SARFAESI Act 2002? 3 and 4-As one time settlement was fulfilled by the applicant. 5-In 2017, bank granted C.C. Loan on the same stock and in renewal application they are questioning stock. Whether integrity of Bank staff is not under cloud? Whether it is not corruption? 6-The stock statement submitted by the applicant is of Rs.7025416 obvious from report of chartered accountant dated 20 Oct 2022. Vide page 1 of the attached PDF document to the grievance supported by Stock verification report of staff of Bharat Petroleum Corporation Limited as page 2. To curb the process of renewal is the part of cryptic and mysterious dealings of the corrupt staff of the Punjab National Bank To curb the process of renewal is the part of cryptic and mysterious dealings of the corrupt staff of the Punjab National Bank obvious from their incredible dealings in the matter. Undoubtedly it is too much surprising that the same stock was sufficient stock in the year 2017 when the cash credit loan was sanctioned by the bank staff and now when the renewal application was submitted then this stock has been insufficient stock. This implies that for the sufficient stock, sympathy of the bank staff is must and to garner their sympathy everyone knows that what the applicant should do? No doubt the applicant is a credible customer of the bank and no loss to the bank because of the applicant but the bank staff because of corruption harassing a vulnerable lady.
Current Status
Appeal Received
Officer Concerns To
Officer Name
Shri Sanjeev Kumar Dhupar (General Manager)
Organisation name
Punjab National Bank
Contact Address
Corporate Office Plot No 5, Sector -32, Gurugram, Haryana
Email Address
pno@pnb.co.in
Contact Number
01244126244
Reminder(s) / Clarification(s)
Reminder Date
Remarks
06/08/2023
Subject :- Regarding renewal of CC account no.0069608700013264.
Sir,
It is to be informed with respect that Om Gas Agency was approved by Bharat Petroleum Corporation (Ltd.) in the year 1999 in the name of my (disabled military serviceman) Late Shri Vraj Nandan Sharma under the quota of disabled military serviceman. After his death, being his wife (widow), BPCL transferred the agency to me, which I am running.
I am running the business of Om Gas Agency satisfactorily from your bank for a long time. Keeping in view the satisfactory/smooth business of the agency, on my request you had sanctioned the CC of Rs.50 (fifty) lakhs. Whose operation was going on smoothly. Due to some unavoidable reasons the explosive license of the agency could not be renewed. Due to which BPCL stopped the supply.
Due to Corona (Covid-19) in the middle of two years, due to the advice of doctors / government, she could not go out due to old age. Due to which there was delay in renewal of explosive license. I kept contacting the officials of Explosives Department through telephone/mobile. Explosive office renovation done on 20/07/2021. Photocopy is attached for ready reference. After which BPCL was requested to start the supply. It became operational in November 2021 with continuous efforts. Gas supply started from 02-11-2021 (photocopy of invoice number 4631046833 dated 02-11-2022 is attached)
During this period from 8/2019 to October 2021, due to the closure of the business and no solid source of income, I could not make full payment of the interest of CC. It is notable that I have deposited an amount of Rs 13,50,201 in the CC account in the last 6 months on time-2. Willing to pay the balance interest amount. I will continue to pay interest continuously in future and will also try to deposit small amount in principal from time to time.
Therefore, it is a humble request to you that due to being a widow (wife) of a disabled military servant and having no other
Grievance Status for registration number : DEABD/E/2023/0057183
Grievance Concerns To
Name Of Complainant
Smt Rajesh Sharma
Date of Receipt
11/08/2023
Received By Ministry/Department
Financial Services (Banking Division)
Grievance Description
Financial Services (Banking Division) >> Deficiency in Customer Service Related >> Delay in Service
Bank : Punjab National Bank
Branch / Name of Bank and Branch : BULANDSHAHAR CIVIL. lines Uttar Pradesh
-----------------------
It is quite obvious from the status of cash credit account CC account - 0069008700013264 total bank loan on the applicant is Rs.43.85.939.07 while the loan limit of applicant is 50,00,000 rupees. Vide attached status to complaint.
Reminder-Honourable branch manager the applicant submitted the following representation on the public grievance portal on 2nd August 2023 which was received by you through your corporate office on the next day but you did not submitted any report in the matter even when it requires your immediate attention.
Grievance Status for registration number : DEABD/E/2023/0055100Grievance Concerns To Name Of Complainant Smt Rajesh Sharma Date of Receipt 02/08/2023 Received By Ministry/Department Financial Services (Banking Division)
Grievance Status for registration number : DEABD/E/2023/0055162 Grievance Concerns To Name Of Complainant Smt Rajesh Sharma Date of Receipt 03/08/2023 Received By Ministry/Department
Financial Services (Banking Division)
Short submissions of the applicant is as follows.
1-The applicant is again reiterating that the applicant is an army personnel widow Whose husband expired in the year 2013 having the responsibility of 2 daughters and one son and now near about 56 years old. Our Prime Minister Sir has very regard for the army personnel Who protect us at the borders.
2-The matter concerns cryptic and mysterious working of branch manager Branch - PNB Civil lines, Bulandshahr, Branch Manager - Akhilesh , Mobile no- +917428025901 and Branch Office mail-bo0069@pnb.co.in who wants to make a widow homeless against the ideology of our prime minister Mr. Narendra Damodar Das Modi.
3-The applicant/widow army personnel has requested to the branch manager concerned who is posted in the concerned branch for many years for the renewal of the cash credit account CC account - 0069008700013264.
Branch Details-BULANDSHAHAR CIVIL. lines
Customer Details-OM GAS AGENCY PROP RAJESH SHARMA KHURJA ROAD SARAI LOCHGAN PANNI NAGAR BULANDSHAHR
Grievance Document
Current Status
Case closed
Date of Action
24/08/2023
Remarks
the reply is attached
Reply Document
Rating
1
Poor
Rating Remarks
The applicant is not Nirav Modi, Vijay Malya and Mehul Choksi so please allow us to do business and I will pay entire principal with compound interest as being done.
Appeal Details
Appeal Number
DEABD/E/A/23/0019495
Date of Receipt
17/09/2023
Appeal Text
Whether renewal was made without verification of the staff and without report of the branch manager concerned? This implies that borrowed money of the applicant was no more N.P.A. Act of chief manager is ultra vires to provisions SARFAESI Act. The applicant is not a wilful defaulter as defined under the SARFAESI act 2002 so her loan cannot be declared as non-performing assets by the chief manager not a single terms and conditions defined as follows is applicable on the applicant. Notice issued by the chief manager Punjab National Bank to auction the home of the applicant was an arbitrary decision harsh and draconian in the nature and such steps by him is unconstitutional violating the human rights of the vulnerable lady who is the wife of late army personnel. Entire nation respects the army of the country including our great Prime Minister. How can chief manager of the Punjab National Bank deprive the widow of an army personnel through his arbitrary and cryptic dealings which promotes corruption in the working of the bank? Please order an enquiry into the matter so that justice be available to the applicant and applicant may not be pressed to live on the road by allowing arbitrary working style of chief manager. If the borrower becomes a wilful defaulter as defined by the RBI Master Circular on wilful defaulters vide RBI circular (RBI/2014-15/73 DBR.No.CID.BC.57/20.16.003/2014-15 dated July 1, 2015) SARFAESI Act proceeding can be issued even without notice to the borrower. Who is a wilful defaulter? Deliberate non-payment of the dues despite adequate cash flow and good net worth Siphoning off of funds to the detriment of the defaulting unit Assets financed either not been purchased or been sold and proceeds have been misutilised Misrepresentation / falsification of records Disposal / removal of securities without bank's knowledge Fraudulent transactions by the borrower.
Current Status
Appeal Received
Officer Concerns To
Officer Name
Shri Sanjeev Kumar Dhupar (General Manager)
Organisation name
Punjab National Bank
Contact Address
Corporate Office Plot No 5, Sector -32, Gurugram, Haryana
Email Address
pno@pnb.co.in
Contact Number
01244126244
Reminder(s) / Clarification(s)
Reminder Date
Remarks
11/08/2023
Following is the latest transaction made by the applicant.
account - 0069008700013264.
Branch Details-BULANDSHAHAR CIVIL. lines
Customer Details-OM GAS AGENCY PROP RAJESH SHARMA KHURJA ROAD SARAI LOCHGAN PANNI NAGAR BULANDSHAHR
From:4718000100042 139 DEVENDRA KUMAR 58543427 09-08-2023 43.85.939.07 Dr.
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