How can P.N.B. serve repeated debt recovery notices to a widow, never borrowed a single coin from bank?

Mahesh Pratap Singh Yogi M P Singh <yogimpsingh@gmail.com>
How can Punjab National Bank serve repeated notices of debt recovery to a widow who never borrowed a single coin from the bank?
Mahesh Pratap Singh Yogi M P Singh <yogimpsingh@gmail.com> 29 December 2017 at 22:46
To: sanjay.sharma@pnb.co.in, Cpio.vara@pnb.co.in, akchabra@pnb.co.in, pmosb <pmosb@pmo.nic.in>, presidentofindia@rb.nic.in, supremecourt <supremecourt@nic.in>, urgent-action <urgent-action@ohchr.org>, cmup <cmup@up.nic.in>, hgovup@up.nic.in, uphrclko <uphrclko@yahoo.co.in>, csup@up.nic.in

Subject-As quoted by the staffs of Bank as Her husband availed a loan of Rs. 9 lacs in 2012 and now Account is NPA. Complainant has been requested to visit the branch for OTS.
Status as on 18 Dec 2017

Registration Number : DEABD/E/2017/33555
Name Of Complainant : Ekta Singh
Date of Receipt : 10 Dec 2017
Received by : Department of Financial Services (Banking Division)
Forwarded to : Punjab National Bank
Contact Address : Corporate Office
Plot No 4, Sector 10, Dwarka,
New Delhi110075
Contact Number : 01128044153
Most revered Sir –Your applicant invites the kind attention of Hon’ble Sir with due respect to following submissions as follows.1-It is submitted before the Hon’ble Sir that where is gone aforementioned huge amount which was provided by the bank to my late husband Mr Shyam Narayan Singh. Why is the bank not providing the sought information which is essential for fair dealings? If bank really provided the loan as claimed, then why not provide the sought information which the aggrieved is seeking?

Whether the request is made through repeated notices.
1. What is OTS? 

Simply put, OTS is an agreement wherein defaulting borrower agrees to pay part of the dues in order stop banks from taking legal action against them.

Whether aggrieved widow i.e.
 the applicant is the borrower and in debtor of the bank who never borrowed a single coin from the bank and never seen aforementioned huge amount throughout her life.

Here this question arises that how a widow who doesn’t know anything about the pseudo claim of Bank can be subjected to humiliation by the bank staffs ipso facto obvious.

2-It is submitted before the Hon’ble Sir that 2. How is OTS implemented? 


As per RBI guidelines, a bank can enter into an OTS deal with a borrower provided the borrower agrees to 100% of the outstanding balance in the account available on the date on which the account was declared as NPA. Once OTS is done, the settlement should be done in one shot. In case the borrower cannot settle the account, he will be allowed to pay an instalment of 25% in the first go and the rest 75% should be recovered in instalments over one year along 

.

As per the current norm, if a loan is overdue during the last 90 days, it will be categorized as a Non-Performing Asset (NPA). A loan whose interest and/or instalment of principal have remained ‘overdue due’ for a period of 90 days is thus considered as NPA. Overdue is a situation where the loan is not paid by the due date fixed by the bank.

When the applicant and her family itself on the verge of hunger, how can she agree to one-time settlement as being claimed by the staffs of the bank as the usual concocted story is made by them? Whether such humiliation can be allowed with a widow in this largest democracy in the world. 

3

-It is submitted before the Hon’ble Sir that according to staffs

​ ​

of Bank, 

Her husband availed a loan of Rs. 9 lacs in 2012 and now Account is NPA. Complainant has been requested to visit the branch for OTS.

It is quite explicit that Loan was provided by 2012 if overdue for a period of 90 days then it is considered nonperforming assets. Why was notice not served to late Shyam Narayan Singh during this long interval? How can a widow be subjected to mysterious and cryptic dealings of which she never remained part?


     

 This is a humble request of your applicant to you Hon’ble Sir that It can never be justified to overlook the rights of the citizenry by delivering services in an arbitrary manner by floating all set up norms. This is sheer mismanagement which is encouraging wrongdoers to reap the benefit of loopholes in the system and depriving poor citizens of the right to justice. Therefore it is need of the hour to take concrete steps in order to curb grown anarchy in the system. For this, your applicant shall ever pray you, Hon’ble Sir.

                                          Yours sincerely

                                         Ekta Singh W/O Shyam Narayan Singh 

                                      

On 10 December 2017 at 19:26, Mahesh Pratap Singh Yogi M P Singh <yogimpsingh@gmail.com> wrote:

Subject-Principle of natural justice never allows any institution, public body, and an individual to serve debt recovery notice to anyone arbitrarily if aggrieved is not concerned with the processing of loan and neither remained the beneficiary of transaction made between bank and individual borrowed the loan.On one side of the screen, our family is on the verge of hunger and numerous problems being faced and on another side of screen repeated notices are being served in order to recover loan never taken by your applicant. Most troublesome is that in every weak either bank staffs make calls or send their staffs who threatens of terrible consequences.It is not troublesome that a widow who is to be helped by the government is being subjected to torture by its erring staffs. Whether my constitutional and human rights are safe in this largest democracy in the world? 
Most revered Sir –Your applicant invites the kind attention of Hon’ble Sir with due respect to following submissions as follows.
1-It is submitted before the Hon’ble Sir that arbitrariness is quite obvious from the fact that concerned are not interested to provide any feedback regarding their arbitrary action which sheer illegal and unconstitutional and against the principles of natural law. Whether it is not part of their cryptic dealings that following information sought from them when they denied revealing any information regarding the debt recovery notice by them to your applicant under transparency act but they are not providing.  Please take a glance of sought information which to provided by the staffs of Punjab National Bank. 
An application under subsection 1 of section 6 of Right to Information Act 2005, invites information from Punjab National Bank.
Your applicant is a widow who was served notice by branch manager Punjab National Bank, branch-Barkachhaa, District-Mirzapur, State-Uttar Pradesh, India.
CPIO may be directed to provide the sought information within the stipulated time as prescribed under subsection 1 of section 7 of Right to Information Act 2005.
Sought information is as follows.
1-You Hon’ble Sir may direct CPIO concerned to provide your applicant the cause of issue of debt recovery notice.
2-Whether your applicant had applied for debt in the bank concerned? If yes provide the copy of the said application.
3-Your applicant may be provided the detail of staffs who processed the debt application of your applicant.
4-You Hon’ble Sir may provide the reason and name of the business which was to be initiated by your applicant by borrowing debt from bank concerned as she has no information and knowledge regarding any such transaction.
5-Whether debt recovery notices are served by the banks arbitrarily? Who directed the bank to issue debt recovery notice to a widow itself facing the severe crunch of earnings for living being and maintenance of family?
                                    Yours sincerely
                             As the matter is concerned with a widow whose husband expired at a tender age and left behind two female children and one male child Aggrieved lady-Ekta Singh, Husband-Late Mr. Shyam Narayan Singh, Village-Parivar, Village Panchayat-Parivar, Block-Pateharaa, Police station – Marihan, District-Mirzapur, Post office-Marihan, District-Mirzapur, Pincode –231310.Mobile number-8381898108.
Enter Registration Number
PNBNK/R/2017/50842
Name
Ekta Singh
Date of filing
14/09/2017
Public Authority
Punjab National Bank
Status
REQUEST FORWARDED TO CPIO
Date of action
15/09/2017
Details of CPIO:- Telephone Number:- 0542-2506576, Email Id:- Cpio.vara@pnb.co.in
Nodal Officer Details:-
Telephone Number
01125747448
Email Id
Enter Registration Number
PNBNK/A/2017/60180
Name
Ekta Singh
Date of filing
30/10/2017
Public Authority
Punjab National Bank
Status
APPEAL FORWARDED TO CONCERNED FIRST APPELLATE AUTHORITY
Date of action
30/10/2017
Appellate Authority Details :- Telephone Number:- 0542-2500424, Email Id:- akchabra@pnb.co.in
Nodal Officer Details :-
Telephone Number
01125747448
Email Id
2-It is submitted before the Hon’ble Sir that whether in this country a widow may be served notices of recovery of debt without ensuring that whether according to the law she is entitled to pay loan which processing, amount of loan and any thing else was not done in her cognizance. Most important from where she will pay the loan? 
3-It is submitted before the Hon’ble Sir that whether Right to privacy is not guaranteed to widows in this largest democracy in the world if guaranteed how the so-called staffs introducing itself as the staffs of Punjab National Bank threatening of adverse consequences causing mental torture to your applicant. Whether your applicant has taken the loan from the bank if not why so inhuman treatments with your applicant? Where are the special rights granted to widows in this largest democracy in the world? 
 This is a humble request of your applicant to you Hon’ble Sir that It can never be justified to overlook the rights of the citizenry by delivering services in an arbitrary manner by floating all set up norms. This is sheer mismanagement which is encouraging wrongdoers to reap the benefit of loopholes in the system and depriving poor citizens of the right to justice. Therefore it is need of the hour to take concrete steps in order to curb grown anarchy in the system. For this, your applicant shall ever pray you, Hon’ble Sir.

                                          Yours sincerely
                                         Ekta Singh W/O Shyam Narayan Singh 


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Mahesh Pratap Singh Yogi M P Singh

Hon’ble Sir that where is gone aforementioned huge amount which was provided by the bank to my late husband Mr Shyam Narayan Singh. Why is the bank not providing the sought information which is essential for fair dealings? If bank really provided the loan as claimed, then why not provide the sought information which the aggrieved is seeking?
Whether the request is made through repeated notices.

Preeti Singh
2 years ago

Hon’ble Sir that whether Right to privacy is not guaranteed to widows in this largest democracy in the world if guaranteed how the so-called staffs introducing itself as the staffs of Punjab National Bank threatening of adverse consequences causing mental torture to your applicant. Whether your applicant has taken the loan from the bank if not why so inhuman treatments with your applicant? Where are the special rights granted to widows in this largest democracy in the world?