Summary
If you are facing unjust additional payment demands on your mortgage loan in Tamil Nadu, review your loan agreement and file a written complaint with the bank’s grievance redressal cell. If unresolved, escalate the matter to the Banking Ombudsman. Relevant legal provisions include the Banking Regulation Act, 1949, RBI guidelines, and the Consumer Protection Act, 2019. You can contact the Banking Ombudsman in Chennai via phone, email, or their website. Use a clear subject line like Unjust Additional Payment Demands on Mortgage Loan Account for your complaint.Full Conversation
My Manger said that to pay * your account will not go to Non Performing i also paid but after 5 days they asking to pay again * otherwise your acount will go to Non performing how to handel this
I understand your concern. To assist you better, could you please clarify whether this is a personal loan or a business loan? This will help me provide more specific information relevant to your situation.
Mortage Loan
Thank you for the details. In Tamil Nadu, if you believe the bank is unfairly demanding additional payments after you have already complied, you can consider the following steps:
- **Review Loan Agreement**: Check the terms and conditions of your mortgage loan agreement.
- **Written Complaint**: File a written complaint with the bank’s grievance redressal cell.
- **Banking Ombudsman**: If unresolved, you can escalate the matter to the Banking Ombudsman.
Would you like more information on how to contact the Banking Ombudsman?
Yes
Certainly. Here is how you can contact the Banking Ombudsman:
~Banking Ombudsman (Chennai)
**Phone:** *-*
**Address:** C/o Reserve Bank of India, Fort Glacis, Chennai - *
**Email:** cms.bo@rbi.org.in
**Website:** [Banking Ombudsman Scheme](https://www.rbi.org.in/Scripts/Complaints.aspx)
You can file a complaint online or send a written complaint to the above address. Make sure to include all relevant documents and details of your case.
what subject i can give to this complaint
You can use the following subject for your complaint:
**Subject: Unjust Additional Payment Demands on Mortgage Loan Account**
This should clearly convey the nature of your complaint to the Banking Ombudsman.
what are the sections leagle for this kind of activity
To address your concern regarding the unfair demands for additional payments on your mortgage loan, the following legal provisions may be relevant in India:
- **Banking Regulation Act, ***: This act regulates all banking firms in India. Any unfair practices can be challenged under this act.
- **Reserve Bank of India (RBI) Guidelines**: The RBI issues guidelines to banks on how to handle loan accounts, including non-performing assets (NPAs).
- **Consumer Protection Act, ***: If you feel you are being unfairly treated by the bank, you can file a complaint under this act for unfair trade practices.
Would you like more details on any of these provisions?
how to convey this properly as mail
Sure, here's a structured email based on your conversation:
---
Subject: Unjust Additional Payment Demands on Mortgage Loan Account
Dear [Banking Ombudsman],
I hope this email finds you well.
I am writing to file a complaint regarding unjust additional payment demands on my mortgage loan account. Below are the details of my issue:
*. **Initial Payment Request**: I was initially asked by my bank manager to pay ₹*,* to prevent my account from becoming a Non-Performing Asset (NPA). I complied and made the payment.
*. **Subsequent Payment Request**: After five days, I was asked to pay an additional ₹*,* to avoid my account being classified as NPA.
I find these demands unjust and would like to bring this to your attention for resolution.
Steps Taken:
- **Reviewed Loan Agreement**: I have reviewed the terms and conditions of my mortgage loan agreement.
- **Filed Written Complaint**: I have already filed a written complaint with the bank’s grievance redressal cell but have not received a satisfactory response.
Request for Assistance:
I kindly request your intervention to resolve this matter. I believe the bank's actions may be in violation of the following provisions:
- **Banking Regulation Act,
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