| Name of Complainant | |
| Date of Complaint | October 16, 2021 |
| Name(s) of companies complained against | RBL Bank |
| Category of complaint | Banking |
| Permanent link of complaint | Right click to copy link |
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Respected Team ?
kindly give your 10 minutes valuabe time with patience to read my concern
which i mentioned below i hope once you go through with below note you can clear all my concerns
giving the note reason behind iam not responding your calls speaking more and more with others feel dizziness and increases panic attack anxiety by the doctore suggestion
Regarding concern : This is saikiran which i taken credit card RBL bank Begumpet Hyderabadsorry for inconvenience
kindly understand and don’t mine
from last june 2020 iam suffering with panic disorder and obsessive–compulsive disorder ( anxiety ) due to covid-19 and financial stress psychological illness hospital visiting for every 4 months still due to financial crisis taking alternative treatment
i need to take bed rest
i can’t do the job at any where till my health appropriate
i have no income source to make the payment due to financial crisis
god grace i made the payment even in the treatment
present iam not in a situation to pay at-least minimum due amount
looking physically well don’t think iam well but internal iam suffering heath anxiety problem
I have taken RBL credit card as on March 2019 till May 2021 I made the payment with out any delay but
from last 3 months i did not made the payment i informed to them also
iam giving proper response to RBL credit card department but they are harassing with mentally iam already suffering with mental illness again they are provoking me
sending legal notice demand notice and droping the mail complaint file in police station kindly read the below what they send mail kindly read
Police complaint can be to be filed against MR SAI KIRAN KOTTURI
for nonpayment of my client RBL bank ltd for Rs. ****** against credit card/loan ******
This is punishable act under section IPC 405/406/417 &ORDER 37 UNDER SUMMARY SUIT AND RECOVERY OF OUTSTANDING PAYMENTS.
Date. 09 Oct 2021
Reg:Prepared the Complaint for Cheating and Criminal breach of trust against
MR SAI KIRAN KOTTURI
(hereinafter referred to as the accused)
Punishable under section 406/420/506 of the Indian Penal Code.
Dear Sir,
I Narender Singh Shekhwat onbehalf of M/s RBL Bank LTD. Acting in its capacity as Trustee (hereinafter mentioned as the Complainant having its registered office at RBL Bank Ltd. 1st Lane, Shahupuri, Kolhapur – 416001. Maharashtra State, India, this complaint against the accused as under:-
1) We state that we are company incorporated and registered as a Securitization and Asset Reconstruction Company pursuant to section 3 of the Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI Act), having its registered office & communication address as mentioned above.
2) The facts leading to the filing of this complaint against the accused is under:- We state that one MR SAI KIRAN KOTTURI (hereinafter referred to as the accused) had approached RBL Bank for issuing credit facility in year and RBL had accordingly issued the credit cards to his / he under the terms and conditions of the uses of the said credit cards, so that he could take the benefits of credit and cash limits whenever required. We state that at the time of availing the said card facility, the said accused has also furnished certain documents towards proof of his / her identity, residence and income sources. All the above referred documents along with the application for getting the credit card are enclosed and marked Annexure I.
We states that RBL has thereafter assigned inter alia the debt/receivable of the said accused in respect of the credit cards issued by them to the accused in favor of the Trusts, pursuant to which the trusts of which we are the trustee has become solely entitled to collect the outstanding amount due and payable by the accused in respect of the above mentioned credit cards from her. The letters pertaining to the assignments of debts are enclosed and marked as Annexure II.
We have through our representatives requested and reminded the accused for making the payment of the outstanding amount towards the above mentioned credit card accounts but she/he vehemently denied to make the payment and gave him fake promises.
The accused had clear defaulting intentions since the issuance of the credit cards to him We state that apparently the said accused had represented herself/himself to be financially sound and further represented that he/she would make repayment of any credit/cash limit so availed after getting the credit cards. It is clear that, based on his / her representation about her financial soundness and timely repayment of credit/cash limits if any availed and also the aforesaid documents to substantiate him bonafide towards the banks issuing the credit cards to her. He obtained the card by misrepresentation of making payment of dues and thereafter deliberately avoiding to make payment of the debt after enjoying the credit limits and despite several follow ups, changing the addresses and not updating the Bank about the same with a view to avoid payment of the dues amount.
We states that said person MR SAI KIRAN KOTTURI the accused after availing the facility, thereafter had started using the said credit cards from time to time. As per our records and information received by us at the time of assignment of the credit card account, the said card holder. As a result of his / her continuous default in making payment of the dues, the total amount payable to us has accumulated to the tune of However at the time of follow-up with her, he keeps denying having taken credit cards and also that he is not aware of the same which is only done with the intention to avoid the payments and is concocted stories.
That by not paying the outstanding amount towards the said credit cards, the said accused has acted dishonestly and by violating the terms and conditions of the uses of the said credit cards, and she has committed the offence of Criminal Breach of trust as well as Cheating against us. The credit card statement for the said dues is enclosed and marked as Annexure III.
3) We states that the said MR SAI KIRAN KOTTURI has not only defaulted in making repayment of the credit card dues after using the same whenever and wherever required.
4) In addition to this, my clients reserve their right to hotlist your name with Master and Visa Franchise and also with other Bank and Non-Banking Financial institution to safeguard their interest.
5) That the above action of getting the card on misrepresentation of financial soundness and not making timely repayment of the credit/cash facility availed on documents and utilizing the card without having intention to repay and threatening representatives with dire consequences and implicating in some false cases and escalating to the top authorities and regulatory agencies to harass if they do not desist from following up for collection of contractual dues make it amply clear that he never had the intention to repay the credit card dues after utilizing the limits given there under and constitute offences punishable under the Indian Penal Code. As it is evident from the foregoing, the said MR SAI KIRAN KOTTURI has defrauded and cheated us /assignor banks and unjustly fully enriched at the wrongful loss
We state that we are having our office within the jurisdiction of and the amount is repayable by the said accused at the Residence of Complainant situated in the jurisdiction of the P.S Hyderabad hence the present complaint is maintainable before the P.S.
You are therefore requested to look into the matter urgently and take appropriate action. In case you require any further document or information, kindly contact the undersigned or our representative
Thanking you
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