Annx-1 Colly - 30-03-2015

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March 30, 2015
ANNEXURE “A”
SYNOPISIS & SEQUENCE OF EVENTS
Ref.: 1. Home Loan Account Number LBMUM00001867601

2. Notice under Section 13(2) of the SARFAESI Act, 2002.
Events transpired from the date of our first interaction with ICICI Bank are
inter-alia as under:
Sr. Date Particulars

No.
1) 31.01.2015 ICICI Bank issued Notice dated 31.01.2015 under
Section 13(2) of SARFAESI Act, 2002. (Annexure 1)
2) 14.10.2010 That on October 14, 2010, we had booked a
residential premises being Flat No.1501, 15th Floor,
Antarctica –C, Building 09, Lodha Aqua, Village –
Mahajanwadi, Dahisar (East), Mumbai,
Maharashtra, India. Desirous of availing Home
Loan Facility, we checked with various banks
including HDFC, DCB, ING Vysya and ICICI to find
out our home loan eligibility, which turned out to
be between Rupees 48 lakhs to 52 lakhs.
That the total consideration towards the subject
property is Rs.69,01,344/- whereas the total cost of
the property excluding Service Tax and MVAT is
Rs.73,28,464/- and on including Service Tax and
MVAT the amount becomes Rs.75,91,409/-.
3) April 2011 That in or around April 2011, your representative
Mr. Amar Gangavane (Sales Executive: Franchise
Code:169739; Mobile No.+91-9324307894)
approached us with regard to the home loan facility
and represented that your bank is the leading
private sector bank and assured us of the best
services to our satisfaction.
4) 04.05.2011 That based on the representation and assurances
made by your said representative Mr. Amar
Gangavane about superior and consumer friendly
housing loan services/facilities by you, we were
convinced to avail home loan facility from you (ICICI
10
Bank). Accordingly, we got the sanction letter dated

04/05/2011 for an amount of Rs.48,00,000/-
(Rupees Forty Eight Lakhs only) towards the home
loan facility amount with the interest base of
8.75%. Copy of the said Sanction Letter is annexed
hereto and marked as (Annexure 2).
5) June 2011 That in or around June 2011, the aforesaid Mr.
Amar Gangavane approached us and introduced
one Mr. Bhavesh, a sales executive from ICICI
Lombard (which is a Subsidiary of ICICI Bank Ltd.).
Mr. Amar Gangavane further persuaded us to get a
home Safe Plus- Secure Mind Policy with respect to
the subject property which required us to pay a One
Time premium of Rs.1,53,048/-. Mr. Gangavane
represented and assured us that the ICICI Bank
will finance the entire premium amount of
Rs.1,53,048/- in addition to the sanctioned Home
Loan amount of 48,00,000/- i.e. a total amount of
Rs.49,53,048/- (48,00,000 + 1,53,048). On the
representation, persuasion, assurance and
insistence of Mr. Amar Gangavane and Mr.
Bhavesh, we agreed to avail ICICI Lombard Home
Insurance Policy to safeguard our future interest
associated with the home to be purchased by us.
6) 12.07.2011 That, subsequently, on being telephonically
informed by your officer regarding the increase in
bank interest rate on the loan amount from 8.75%
to 10.35%, we requested for the final copy of the
Sanction Letter dated July 12, 2011, which was
emailed to us by ICICI Bank vide email dated July
12, 2011 at 08.45pm through official email id of Mr.
Debapriya Chakraborty (Branch Sales Manager-
Mortgages) Email:
‘debapriya.chakraborty@icicibank.com’ which
stated that the total loan sanction amount is
Rs.49,53,048/- which includes Rs.48,00,000/-
against Home Loan and Rs.1,53,048/- towards
premium to be paid to ICICI Lombard against the
Home Insurance. It is pertinent to point out here
that the total Home Loan sanctioned by the ICICI
Bank was the same in both the Sanction Letters,
and the only change was related to the Interest
Base which was increased from 8.75% to 10.35%,
and an addition of the Home Insurance Premium
amount of Rs.1,53,048/-. Copy of the said Sanction
Letter for an amount of 49, 53,048/-is annexed
7) That it is an admitted position that the Home
Insurance premium of Rs.1, 53, 048/- was
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calculated on the Home Loan amount of

Rs.48,00,000/-.
8) 14.07.2011 That on June 08, 2011, we were in receipt of
Demand Letter dated April 14, 2011 from the
builder for an amount of Rs.16,31,664.00, which
was handed over to the ICICI Bank much prior to
the due date of disbursal. Since the due date for
payment to the builder as per the first Demand
Letter was fast approaching we were following up
with the ICICI Bank for timely disbursal against the
said Demand Letter. We received an email on 14th
July, 2011 from Debapriya Chakraborty, ICICI
Bank; the email consisted of an apology for delay in
dispatch of the cheque from the bank. Attached
with it was the Scanned Copy Of The Cheque
dated July 13, 2011 which was promised to be
delivered to us on the next day i.e. on 15th July,
2011. (Annexure 4).
9) 22.07.2011 That on July 22, 2011, the first disbursement of
loan amount for amount of Rs.14,40,000/- was
handed over to us by way of Cheque bearing
No.925965 dated July 13, 2011. Admittedly,
interest on first disbursement was calculated by
ICICI from the date of the Cheque i.e. July 13,
2011. Admittedly the Cheque was pre-dated, and
we were compelled to pay interest on the first
disbursal from ICICI from the date of Cheque
despite the fact that the same was handed over to
us on the 10th day from the date of issue of the
Cheque. Interest on the first disbursement was
deducted by way of ECS from our account and
admittedly the interest was charged from the date of
issue of the said Cheque. When we confronted the
Bank as to why the interest is being charged from
the date of the Cheque when the Cheque has been
handed over to us belatedly, the Customer Care
Department of the ICICI Bank gave vague and
evasive response. Copy of our complaint to the
Bank and reply received from the Bank are annexed
10) 17.08.2011 That the next Demand Letter received from the
Builder was handed over to the ICICI Bank on the
very date of receipt of the demand letter, specifically
requesting them to make disbursal timely. The last
date for making payment to the builder was August
16, 2011. The ICICI Bank again failed to make
disbursal in time. Instead of handing over the
cheque for disbursal, the ICICI Bank belatedly
sought certain information and failed to hand over
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the cheque for disbursal in time. Thereafter, on

17th August, 2011 we had asked for a clarification
from the bank on why certain formalities like
provision of bank statements were not informed to
us earlier. Attached with the mail dated 17th
August, 2011 was the scan copy of the bank
statement as required by the ICICI Bank. In the
email we had also mentioned that, we had
intimidated the bank in advance that 16th August,
2011 was the last date of handing over the cheque
to the builder, for which the bank had given us
confirmation that we would receive the cheque on
time. To our dismay, the bank came up with certain
requirements at the last moment and thereafter
stopped receiving our calls.(Annexure 6).
11) 29.09.2011 That on 29th September, 2011 we had received a
mail from the builder’s office. The email stated that
the due date for making the payment for Slab 4 and
Brickwork was 11th October, 2011. Abhinav from
the Builder’s office also asked by the email whether
the builder themselves could follow up with our
banker for the payments to come in by the 11th of
October, 2011. This clearly showed that the bank
was acting irresponsible for the making of the
payments on time. (Annexure 7)
12) 11.10.2011 We received an email from Nilambari from ICICI
Bank, which stated that the total loan amount
payable to builder was Rs. 46,46,952/- and the
own contribution required was 22,54,392/-. In
reply of this email we clarify that the total sanction
amount was Rs. 48, 00,000 + 1, 53, 048/- as per
the sanction letter received by us and we gave all
the details of the payments made by us to the
builder. On the same day we also sent an email to
Nilambari showing our disagreement over the
calculation of the own contribution which
according to the bank was Rs. 12, 58,473/-
however on calculations done by us the own
contribution was 15, 12,137/- also on the same day
we expressed our concern over the original
receipts misplaced by the bank. (Annexure 8
Colly.).
13) 13.10.2011 That we had sent an email to Nilambari Sapate from

ICICI Bank on 13th October 2011 for the delay in
disbursal. It is also mentioned that we had
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informed earlier that the last day to comply the

demand was 11th October 2011. We had
questioned the bank as to who would be liable for
the penalty of such delay. In reply to this email the
bank sent us an email, which had the scanned copy
of the cheque to be, disbursed which was dated
14/10/2011. (Annexure 9 Colly.)
14) 14.10.2011 That because there was a delay from the bank to
disburse the amount we had received a mail from
Abhinav Aggarwal from Lodha Group on 14th
October, 2011 stating that they had granted us
grace period of 3 days starting, which would end
on 14th October, 2011. Thereafter, the grace period
would stand null and void and interest would be
charged to our account from the original due date
i.e 11th October, 2011. (Annexure 10)
15) 17.10.2011 That we had sent a mail to Nilambari Sapate from
ICICI Bank forwarding Intimation Letter from the
Builder, and seeking Technical Report from ICICI
Bank regarding the reasonableness of the
Intimation Letter received by us from the Lodha
Group which required us to start making
arrangements for the next Demand Letter.
(Annexure 11)
16) 11.11.2011 That we received a reply from the bank stating that
that the bank would not be able to go ahead with
the disbursement as 38% of the work was
completed as per their technical data. (Annexure
12)
17) 18.11.2011 That we received mail from Nilambari Sapate from

ICICI Bank, the bank had stated in subject to
technical verification we needed to pay Rs. 210795
(own contribution) thereafter the bank would
release the balance payment of Rs 118792.
(Annexure 13)
18) 24.12.2011 That we had sent a trail mail to Debapriya from
ICICI Bank, which consists of the query raised by
us to the Lodha Group about the Brick work and
Plaster work; and it also consists of the response
received by us from Mili Bolakani from Lodha
Group. (Annexure 14)
19) 02.01.2012 That as per our discussion with the bank, against
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the builder’s demand letter of Rs. 659,534 only an

amount of Rs. 464435 was disbursed by the Bank,
reason being stated by their banker that their
technical department had surveyed the stage of
construction and found that the maximum they
could disburse was Rs. 464435. The above
discussion was informed to the builder to which we
received a reply stating that the builder would be
charging us interest @18% pa for the difference
amount.
That an e-mail dated 02.01.2012 was sent to ICICI

Bank-customer care services regarding the
grievances faced by us at the time of disbursement
of our loan amount every time. (Annexure 15
Colly)
20) 03.01.2012 That we had received an e-mail dated 03.01.2012

with regards to the telephone conversation we had
with one of the customer service officer of the ICICI
Bank, which stated that by 12th January, 2012 we
would receive the update of the loan disbursement
status through Service Reference Number
SR208465021. (Annexure 16)
21) 06.01.2012 That the bank had sent a mail stating that the bank
had funded the 78% of our total loan amount.
Hence for further disbursement proportionate,
funding was need from our end. According to the
Bank, they received the own contribution of Rs.
1809769. (Annexure 17)
22) 09.01.2012 In reply to the above mail, we clarified that the own
contribution made was Rs. 2236889. Hence we
requested the Bank to disburse the remaining
amount of Rs. 1, 95, 099. Also we had sent a mail
to the bank to check the sanction letter sent to us
by Debapriya from ICICI Bank in which the loan
amount was Rs. 4953048. (Annexure 18 Colly)
23) 16.01.2012 That as per the mail received by us from Nilambri of
ICICI Bank on 16th January, 2012, it is stated that
though a sanction letter forwarded to us for Rs
4953048 the bank would not be able to consider
the loan amount of Rs 4953048. Further we had
sent a mail to the bank expressing our gloom for
the breach of contract. (Annexure 19 Colly)
24) 18.01.2012 That we received a reply for the complaint lodged at

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the customer care department towards the problem

faced by us during the disbursement of loan
amount everytime. The Customer service officer of
ICICI Bank replied that disbursement cheque of Rs.
4, 65, 000 was released towards the loan amount as
per pro-rata funding. (Annexure 20)
25) 03.02.2012 That a text message was sent by us to Dabapriya of

ICICI Bank, asking her on why she was not
receiving our calls while she was entertaining all
other calls.
On the same day, we sent an e-mail to the Bank

stating that the banker was fully aware of the
demand letter of the builder and the date of
disbursement being 1st February, 2012. In the mail,
we expressed our concern over the penalties
charged by the builder due to non-disbursement by
the bank. (Annexure 21 Colly)
26) 07.02.2012 That we had sent a mail to the Bank informing

them about the formalities completed from our part
and that excess time was being taken by the bank
for the disbursal of the amount. We have further
informed in the mail that we had received a letter
from the builder regarding the penalty charges.
(Annexure 22)
27) 09.02.2012 That we had sent a mail to the Bank stating that we
had received a penalty notice from the builder due
to delay in payment caused by the Bank. If any
excess time required by the bank for clearances,
attracts any penalty shall be solely borne by the
bank. Moreover, the representative of ICICI Bank
Mr. Sikandar had asked us to stop from delivering
the cheque to the builder as he will get fresh cheque
prepared. Hence, we had complied with it. At the
time of disbursement of loan amount against Slab
10 of Rs.5,24,866/, the Bank refused to make
disbursal before we make the own Contribution of
Rs.1,75,000/ with the builder and submit receipt of
the same to the Bank. We paid an amount of Rs.
2,00,000/- to the Builder and submitted the
original receipt in this regard with the Bank. The
Bank now deliberately issued a cheque of
Rs.5,24,866/- in favour of the Builder after the
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lapse of due date which was much higher than the

actual disbursal the Bank was required to pay. We
immediately intimated to the Bank about the excess
disbursal. (Annexure 23 Colly)
28) 10.02.2012 As per the email conversation between us and the
bank on 10th February 2012, the representative of
the Bank states that reprinting the cheque would
take 7 working days. However, we had further
mentioned in the trail mail that we would not pay
any penalty for the late disbursement nor the
interest portion on the excess amount till the actual
demand raised by the builder. In response, the
Debapriya from ICICI Bank stated that the decision
would be ours, however the bank would charge the
interest on the disbursed amount. To which we had
further written to you stating that we had already
cleared our point that either the bank would pay
the penalty amount to the builder or waive off the
interest amount. We had further mentioned in the
below trail mail that the bank was causing mental
harassment, criminal breach of trust, breach of
contract and gross negligence and deficiency in
providing their services.
As per the mail sent by the banker on 10th

January, 2012 it was stated that the bank would
not be paying the penalty charges or waive any
interest charge which was totally wrong. Why were
we to bear the penalty for the fault of the bankers.
(Annexure 24 Colly)
29) 13.02.2012 That we had written to the banker stating that we
were bound to give the cheque of excess amount to
the builder along with separate cheque of penalty.
(Annexure 25)
30) 15.02.2012 That we got an email from the Builder giving us the
information of the excess amount erroneously given
by the bank which Builder agreed to refund only
after receiving a request letter from the bank. Thus
after receiving the email we had immediately, on the
same day, forwarded the same to the concerned
people at the bank asking for such request letter
which the Builder had asked for, for the bank to
claim the excess amount which the bank had
released wrongly. (Annexure 26 Colly)
31) 05.03.2012 That we had send a text message to Mr. Sikandar of
ICICI bank inquiring about the status of the
disbursement which was due on 07th March 2012
(Just after two days) and that we had received no
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response/feedback from the bank.
On the same day, the same text message was also

sent to Ms. Dabapriya for the follow-up of the
disbursement due. (Annexure 27)
32) 07.03.2012 That we had sent a txt to the Bank Branch Manager
of ICICI Bank–One Mr. Gaurav stating that why the
demand letter and the receipts which the bank
people had collected from us were not returned
back to us.
On the same day also a text message was sent to

you stating that the documents would be required
by them only at the time of disbursement and that
they were very important to us.
Due to a lot of mismanagement and problems faced

by us with the bank and their team, we dropped a
text message to the Branch Manager of the bank
asking him for giving us the contact numbers of the
Superiors as we thought that the Bank Branch
Manager was not giving us the required customer
service and that he did not have time to take up the
matter seriously.
After making a lot of efforts to reach and

communicate through calls to the Bank
staff/concerned people, we had also dropped a text
on the same day to Mr. Gaurav showing my distress
over the bank people not taking up my calls and
that not replying or giving any proper
reasoning/explanation/instruction/solution to any
of my queries/issues/concerns. (Annexure 28
Colly)
33) 09.03.2012 That we received a demand letter immediately two

days later from the builder giving us intimation that
there was a delay in the payment to be made to
them and that they had already charged an interest
for two days of Rs. 130. (Annexure 29 Colly)
34) 15.03.2012 That we had dropped an email to Ms Mili from the

Builder requesting her to give us the details of the
payments made by us to them through Loan
Facility, Personal Contribution and the amount of
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penalty charged by them due to delayed payments.
On the same day, we also received an email from

the Builder giving us an ultimatum to make the
payment due immediately else we would be liable to
pay high interest rates (18% per annum).
(Annexure 30 Colly)
35) 16.03.2012 That in reply to the above email, we received an

email from the Builder giving us the details of all
the payments made by us till take to them. The
information was however not bifurcated as required
by us since they had all in one record of the
payment made. Till this day the total interest paid
by us was Rs 32267/- (Annexure 31)
36) 03.04.2012 That we again received a notice from the Builder

stating that there was a delay in the payments to be
made to them for Slab 12 and Slab 14. Also the
total interest calculated till that day had come to
Rs. 2, 407 for the delay. (Annexure 32)
37) 05.04.2012 That we had sent an email to all the people at ICICI
bank who were concerned with the Loan,
mentioning that we had sent a letter to them
towards their deficiency in services and towards
their incapability to solve the issue which we had
faced because of the bank mismanagement.
(Annexure 33 Colly)
38) 11.04.2012 That a Complaint Letter was sent to ICICI Bank Ltd
addressed to the then Branch Credit Manager- Mr
Abhishek Karangeonkar stating all the details of the
grievances faced and that to reimburse back all the
interest and penalties paid by us which we were
compelled to bear due to the mistake, delay and
negligence on the part of the bank and its
employees. (Annexure 34)
39) 17.04.2012 That we received a notice dated 11.04.2012 from

the Builder stating that there was a delay n the
payments to be made to the Builder for Slab 12 and
Slab 14. Now the total Interest calculated till that
day had increased to Rs. 4, 225 for the delay which
the bank was making and because of which we
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were not able to pay the demands of the Builder in

a timely manner.
That the said demand letter received from the

Builder by us was sent to all the concerned people
at the bank via email dated 17.04.2012. (Annexure
35 Colly)
40) 26.04.2012 That a demand letter from the Builder was received
by us for the delayed payments. This time the
Interest was increased to Rs 7635. (Annexure 36)
41) 02.05.2012 That we received a demand letter from the Builder

again in which the Interest was charged for the
delay of each day made by us. This time the interest
had come up to Rs. 8, 999. (Annexure 37)
42) 16.05.2012 That a further demand letter was received by us

where the interest calculated was Rs. 12, 182 for
the delayed payments. (Annexure 38)
43) 15.06.2012 That we received a text message from Mr. Tushar
Hebalkar- Regional Head Mortgages- ICICI Bank
requesting us for resolving our issues. (Annexure
39)

who had interest now of Rs. 19,229 charged by the
Builder for delayed payments. (Annexure 40)
45) 13.07.2012 That we received a demand letter from the Builder

again in which the Interest was charged for the
delay of each day made by us. Now the interest was
further increased to Rs. 23, 776. (Annexure 41)
46) 19.07.2012 That after sending all the relevant demand notices
to the Bank’s concerned employees; we had emailed
Mr. Tushar on the basis of his Text message
received on 15th June 2012, and as per telcon to
settle the Issue within 5-6 days as promised by
him.
On the same day, we received via email a demand

letter for the payments with interest calculated
amounting to Rs. 25, 140.
Also we received the hard copy of the demand letter

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on 21st July 2012 sent to us by the Builder via

email on 19th July 2012. (Annexure 42 Colly)
47) 07.08.2012 That we received an email from the Builder which
had a further demand letter together with interest
now payable which was Rs. 29, 459. Also the
Builder had asked for the bankers contact details in
that same email.
On the same day, we replied to the email and

forwarded the Bankers contact details to Builder.
We again dropped an Email to the Banker on 7th

August 2012 requesting to solve the issue at the
earliest, as promised by Mr. Tushar which would
have been resolved, was not resolved till that day.
Again on the same day, we received the Hard Copy

of the Demand Letter sent via mail on 07th August,
2012. (Annexure 43 Colly)

which had interest of Rs. 31, 960 charged by the
Builder. (Annexure 44)
49) 29.08.2012 That after numerous follow ups, mails and
intimations, in reply to the mail dated 07th August,
2012 to the banker by us we got a reply requesting
us to share a copy of the latest demand letter as
issued to us by the Builder. (Annexure 45)
50) 28.09.2012 That we received a last and final reminder cum legal
notice from the Builder. The notice was regarding a
termination of sale of residential property. Vide this
letter the Builder gave us a final intimation for the
payment of Interest of Rs 41, 508 together with
Total Amount due of Rs. 4, 62, 220. (Annexure 46
Colly)
51) 01.10.2012 That Ms. Mili of the Builder sent us an email

attaching the pre-termination letter wherein we
were asked to clear the balance payments as early
as possible according to the pre-termination letter.
(Annexure 47)
52) 03.10.2012 That we sent an email to Mr Tushar Hebalkar of

ICICI Bank to clear the matter in a timely manner.
Every time we were being assured that the
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payments would be done, despite which the

payment status is unclear to me as well as to the
Builder. We also did not receive a reply for the
complaint letter sent to ICICI Bank for their
deficiency in services. Henceforth we would either
seek legal recourse or get the loan transfer
procedure accomplished from other banker.
(Annexure 48)
53) 10.10.2012 In perspective to the above email, we sent an email

to the Builder for receipt of the pre-termination
letter. According to the said email, we still had not
come out with a satisfactory conclusion on the
matter. Therefore we decided to take stringent legal
action against ICICI Bank and instructed our bank
to stop deducting the EMI from my account. Also
we mentioned to clear the reminder payment from
my personal funds. (Annexure 49)
54) 23.10.2012 That we received another demand letters from the

Builder regarding the delay in payment for the said
premises. The notice mentioned about the pending
payment of Rs. 5, 09, 410(due amount Rs. 462, 220
+ Interest Rs. 47, 190) in relation to the residence
which needed to be cleared by us. (Annexure 50)
55) 09.11.2012 That we informed Ms. Mili Bolakani of Lodha Group
that an amount of Rs 3, 00, 000 has been arranged
by me. Therefore the mentioned amount will be paid
to Builder and the balance amount will be arranged
by end of November 2012. (Annexure 51)
56) 08.02.2013 That we received an email from the Builder. The
mail consisted of the due payment of Rs. 6, 96, 975
required to be cleared to the Builder as per the
telephonic conversation between me and a
representative of Lodha Group. (Annexure-52)
57) 14.03.2013 That we received a notice from the Builder for
payment of the amounts due along with the interest
to Lodha. As per the notice, an amount of Rs. 7, 35,
942 (Overdue amount Rs. 6, 25, 208 inclusive of
service tax + Interest Rs 1, 10, 734) was due and
the payment of same was required to be made by us
to Builder, failure of which would result into
termination proceeding 18.03.2013.
That we sent an email dated 18.03.2013 to Mr
Tushar of ICICI Bank for non-conformity on the
decision of home loan in relation to the said
premises. We also attached a copy of above
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mentioned notice for ICICI Bank’s reference. We did

not come out with any conclusion of the meetings
held between me and ICICI Bank to resolve the loan
issue. Therefore ICICI Bank will be solely
responsible for any action taken by the Builder with
regards to the legal notice. (Annexure 53 Colly)
58) 29.03.2013 In line with the above mails and demand letters
received from the Builder, we received a final
reminder cum legal notice from the Builder before
termination of sale of the said premises. According
to the notice, an amount of Rs. 7, 40, 567 was
outstanding which included the amount due, the
overdue interest and the service tax amount. Non-
payment of the mentioned amount within 15days
would cause termination of sale of the residence.
(Annexure 54)
59) 30.03.2013 That we informed Mr Tushar of ICICI Bank to
redress the home loan issue by 2nd or 3rd of April
2013. This was in regard to the legal notice received
from the Builder as on 29th March, 2013. Further
we informed that we would be moving to consumer
redressal forum and ombudsman against ICICI
Bank. (Annexure 55)
60) 06.04.2013 That we sent an email to the Builder attaching the
reply to the final reminder cum legal notice dated
29th March 2013 received from the Builder. By the
reply, we addressed that ICICI Bank is responsible
for not disbursing the amount while an amount of
Rs. 21, 01, 344 had to be paid by me to the Builder.
Since we have complied with the requirements and
met the obligations, the termination of sale would
not be feasible on my part for the gross negligence
of ICICI Bank. Therefore through the reply to the
notice, we requested the Builder not to take any
severe action for the non-performance on the part of
ICICI Bank.(Annexure 56)
61) 03.06.2013 That we received a reply from the Builder in the
form of notice to the above mentioned reply sent on
6th April, 2013. The notice mentioned about the
facts of the loan and the details of the residence.
Through the notice, we were called to make
payment of the amounts due to the Builder, failing
which the Builder would summon to agreement of
sale. (Annexure 57)
62) 10.07.2013 That we sent an insurance claim of Home Safe Plus-
Secure Mind Policy to the branch manager of ICICI
LOMBARD GIC LTD with reference to the home loan
account with ICICI Bank. An amount of Rs. 7, 73,
866 in the name of Mrs Rati Agnihotri (the insured)
23
had to be reimbursed to us as per the demand

made by the Builder. We also attached copies of
notice sent by the Builder, complaint letter for
Home loan and insurance policy along with the
insurance claim. (Annexure 58)
63) 17.07.2013 That we sent an email to the customer support
group of ICICI Lombard to disburse the amount of
claim in relation to the insurance policy in the
name of Mrs. Rati Agnihotri. The email mentions
about the telephonic conversation between us and
the concerned person from ICICI Lombard’s
customer support. Also attached with the email is
the copy of letter sent to ICICI Lombard to look into
the insurance claim issue dated 10th July 2013
and 17th July 2013. (Annexure 59)
64) 27.07.2013 That with reference to the complaint letter dated
23th March 2013, we sent a reminder notice dated
27th July 2013 to ICICI Bank. We did not receive
any reply to the complaint letter earlier sent to
ICICI Bank, therefore requesting you to kindly look
into the matter at the earliest and reimburse the
remaining amount along with the interest and
penalty. (Annexure 60)
65) 01.08.2013 That we received an email from the Builder for
payment of the balance amount in relation to the
said premises. Attached with the email is the
agreement of sale of the said residence and
statement of balance payments due by us to the
Builder. (Annexure 61)
66) 14.08.2013 That we received an email from the Builder stating
an offer named ‘Interest Amnesty Offer’ for 50%
waiver on the outstanding interest amount. For
availing the offer, we would be required to clear the
pending dues on or before 31st August 2013.
(Annexure 62)
67) 28.08.2013 That we received an SMS dated 28th August 2013
from Mr. Tushar of ICICI Bank in relation to the
receipt of the copy of reminder notice sent to ICICI
Bank by us. We sent an email to Mr. Tushar of
ICICI Bank dated 28th August 2013 wherein as per
the telephonic conversation between me and Mr.
Tushar, he verbally agreed to the default in penalty
by ICICI Bank dated 14th August 2013. Also we
attached the communication from the Builder for
possession of the said premises for ICICI’s peruse.
On the same day i. e. 28th August 2013, we
forwarded an email to Mr. Tushar of ICICI Bank
containing the demand letter. (Annexure 63 Colly)
68) 08.10.2013 That a gold loan was obtained of Rs. 3, 37, 900 in
24
accordance with the gold loan account with Greater

Bank urgently so that the allocation of flat would
not get terminated because of the delay in disbursal
by the bank (Annexure 64)
69) 10.10.2013 That another gold loan was obtained of Rs. 3, 00,
200 in accordance with the gold loan account with
Greater Bank. (Annexure 65)
70) 13.03.2014 That We sent an email to the representatives of
ICICI Bank. The said email consisted of the details
of the minutes of the meeting held on 12th March
2014 between the representatives of ICICI Bank and
us at our office. The representatives assured us that
the matter would be disposed at the earliest
(Annexure 66)
71) 19.03.2014 That we received a reply to ICICI Bank’s settlement
proposal dated 14th March 2014 for our home loan
account. In the reply, ICICI bank stated that the
proposal was not acceptable and would not work
out. ICICI Bank completely denied the allegations
and did not accept the settlement proposal.
(Annexure 67)
72) 26.07.2014 That Mrs. Rati Agnihotri (co-borrower to the loan)
received a loan recall notice in regards to the loan
credit facility agreement availed by us from ICICI
Bank. The notice mentioned about the details of the
availed loan and the balance amount of Rs. 52, 84,
652 that are required to be cleared to ICICI Bank.
(Annexure 68)
73) 07.08.2014 That in line with the above notice, we sent a reply to
the same to the representatives of ICICI Bank. The
reply mentions about the ICICI Bank’s delay in
handling over the cheque for disbursal of loan and
the default on the part of ICICI Bank and that any
action taken against us would be at your own risk.
Therefore as per the facts provide in the reply, it is
clear that ICICI Bank had breached the loan
agreement. (Annexure 69)
74) 26.08.2014 That Mr Amol Rane of ICICI Bank called us up for a

formal meeting in relation to the loan agreement
with the ICICI Bank officials at their office. The
meeting was scheduled at 2:38 pm. (Annexure 70)
75) 01.12.2014 That for scheduling a meeting with the ICICI Bank
officials, we sent an email to Mr. Tushar of ICICI
25
Bank after discussion with Mr. Amol. (Annexure

71)
76) 10.12.2014 That as per the meeting held between us and ICICI
Bank officials on 5th December 2014, Mr. Amol
Rane of ICICI Bank wanted to provide us with the
amortization schedule in regards to our Home Loan
account with ICICI Bank. (Annexure 72)
77) 11.12.2014 That as discussed, Mr. Amol Rane of ICICI Bank

sent us an email attaching the amortization
schedule in regards to our Home Loan account
with ICICI Bank. The schedule consisted of the
principal outstanding amount, EMI and the interest
amount from 1st April 2012 to 1st February 2027.
(Annexure 73)
78) 15.12.2014 That we sent an email to the ICICI officials with

whom the meeting was scheduled. The mail
consisted of the details of the meeting. As per the
meeting, no satisfactory solution was derived from
ICICI Bank’s end even after them accepting the
mistakes of breaching the home loan contract and
acknowledging the same. The amortization
schedule provided to us is not acceptable as per the
terms of the contract. Also the offers provided did
not seem to resolve any of the concerned issues.
ICICI Bank hence never attempted to cater to the
needs of the customer like me. (Annexure 74)
79) 24.12.2014 That in line to the above mail sent to ICICI Bank,
we received a reply to the mail from Mr. Amol Rane
of ICICI Bank denying the allegations put forth on
the bank. By acknowledging that ICICI Bank is
keen on resolving the matter at the earliest, it is
stated that the bank attempted to arrive at a
solution. The amortization schedule also forwarded
seems to be acceptable to ICICI Bank. We were
asked for the details and receipts given by the
Builder for taking necessary steps to close the
matter. (Annexure 75)
80) 31.01.2015 That as well as Mrs. Rati Agnihotri received a

notice under the Securitisation and Reconstruction
of Financial Assets and Enforcement of Security
lnterest Act, 2000. ICICI Bank has approached us
26
for financial assistance for home loan of Rs. 48, 00,

000. We and ICICI Bank entered into a loan
agreement. ICICI Bank has stated that the amount
outstanding to them is Rs. 57, 02, 387 and this
amount is payable by us to them. However out of
the mentioned amount, only Rs. 42, 00, 000 has
been disbursed by ICICI Bank towards the loan
amount. (Annexure 76) --same as Annx-1
27
‘ANNEXURE – A’
Ref: Representation/Objections under Section 13(3A) to your Notice u/s 13 (2) of

the Securitisation and Reconstruction of Financial Assets and Enforcement of
Security Interest Act, 2002, dated January 31, 2015
Sub: Home Loan Account Number LBMUM00001867601
INDEX
S.No. Particulars of Documents Page
1 41414 0 FC 6 B ( 9 ( 8/73/284 31-35

/ /FF LI
2 8 F B F5 I ) /FF LI
36
3 8 F B F5 I , 2E B F BIE B F
37
/FF LI (
4 8 F A L ( , N I BI B LI E F
F /FF LI ) 39-40
5 1A L ( , I B F BIE B F E B N I
BI B LI 1A F . . /FF LI 41
6 1 EELFB B F , - 41414 F BF A E FC
E F /FF LI 42
7 1 EELFB B F . . /FF LI ,
43
8 1 EELFB B F /FF LI - 1
44-47
9 1 EELFB B F ( /FF LI . 1
48-50
10 1 EELFB B F ) /FF LI 51
11 1 EELFB B F , /FF LI 52-53
28
12 1 EELFB B F /FF LI
54
13 1 EELFB B F - /FF LI ( 55
14 1 EELFB B F ) /FF LI )
56-60
15 1 EELFB B F /FF LI
61-67
16 1 EELFB B F ( /FF LI
68
17 1 EELFB B F /FF LI ,
69-70
18 1 EELFB B F . /FF LI - 1
71-73
19 1 EELFB B F /FF LI . 1
74-79
20 1 EELFB B F - /FF LI 80
21 1 EELFB B F ( /FF LI 1 81-82
22 1 EELFB B F , /FF LI
83
23 1 EELFB B F . /FF LI ( 1
84-87
24 1 EELFB B F /FF LI ) 1
88-94
95-96
26 1 EELFB B F /FF LI 1
97-98
27 1 EELFB B F ( /FF LI , 99
28 1 EELFB B F , ( /FF LI - 1 100-103
29 1 EELFB B F . ( /FF LI . 1
104
30 1 EELFB B F ( /FF LI ( 1
105-107
31 1 EELFB B F ( /FF LI (
108-111
32 1 EELFB B F ( ) /FF LI (
112
33 1 EELFB B F ) /FF LI (( 1
113-115
29
34 1 EELFB B F ) /FF LI ()
116-178
35 1 EELFB B F , ) /FF LI ( 1
179-180
36 1 EELFB B F ) /FF LI (
181
37 1 EELFB B F /FF LI (,
182
38 1 EELFB B F /FF LI (-
183
39 1 EELFB B F /FF LI (.
184
40 1 EELFB B F /FF LI )
185
41 1 EELFB B F ( , /FF LI )
186
42 1 EELFB B F . , /FF LI ) 1
187-190
43 1 EELFB B F , - /FF LI )( 1
191-195
44 1 EELFB B F , - /FF LI ))
196
45 1 EELFB B F . - /FF LI )
197
46 1 EELFB B F - . /FF LI ) 1
198-201
47 1 EELFB B F /FF LI ),
202
48 1 EELFB B F ( /FF LI )-
203
49 1 EELFB B F /FF LI ).
204
205
51 1 EELFB B F . /FF LI
206
52 1 EELFB B F - ( /FF LI
207
53 1 EELFB B F ) ( ( /FF LI ( 1
208-210
54 1 EELFB B F . ( ( /FF LI )
211-212
55 1 EELFB B F ( ( ( /FF LI 213
30
56 1 EELFB B F ) ( /FF LI
214-216
57 1 EELFB B F ( ( /FF LI ,
217-233
58 1 EELFB B F , ( /FF LI - 234-258
59 1 EELFB B F , , ( /FF LI .
259-263
60 1 EELFB B F , , ( /FF LI
264-267
61 1 EELFB B F - ( /FF LI
268-272
62 1 EELFB B F ) - ( /FF LI
273-274
63 1 EELFB B F - - ( /FF LI ( 1
275-277
64 1 EELFB B F - ( /FF LI )
278-287
288-289
66 1 EELFB B F ( ( ) /FF LI
290-293
67 1 EELFB B F . ( ) /FF LI , 294
68 1 EELFB B F , ) /FF LI - 295-296
69 1 EELFB B F , - ) /FF LI .
297-304
70 1 EELFB B F ) /FF LI , 305
71 1 EELFB B F ) /FF LI , 306
72 1 EELFB B F ) /FF LI ,(
307-311
73 1 EELFB B F ) /FF LI ,)
312-318
74 1 EELFB B F ) /FF LI ,
319
75 1 EELFB B F ) ) /FF LI ,
320
ANNEXURE-1
flrcrct 000001 Bank
31
January 31,2015
BY SPEED POST WITH A.D.
sp""apo'tllllllllllllllllllllllllllllllllllllllltlllllil EA776138706rN
Ref No : SARI B 1 3/P/1 5 17 35 1297 29 ILB M UM0000 1 86760
. 1
iltll
NEERAJ KUMAR JHA
AGNIHOTRI AND JHA ASSOCIATES
A.27 RAM KUTIR BUNGALOW PUSHTIKAR
SOC,JOGESHWARI MUMBAI
MAHARASHTRA
4001 02
t RATIAGNIHOTRI JHA
A-701, KALPATARU CLASSIC,CHINCHOLI
NAKA MALAD DAL MILL COMPOUND,
OFF S.V ROAD, MALAD (W),MUMBAI,
MAHARASHTRA
400064
RATIAGNIHOTRI JHA
FLAT NO 1501 15TH FLOOR WING C
ANTARTICA LODHA AQUA
MAHAJANWADI DAHISAR EAST
MUMBAI
400068
RATIAGNIHOTRI JHA
A-27 RAM KUTIR BUNGALOW PUSHTIKAR
MAHARASHTRA
400102
NEERAJ KUMAR JHA

A-701, KALPATARU CLASSIC,CHINCHOLI
NAKA MALAD DAL MILL COMPOUND,
OFF S.V ROAD, MALAD (W),MUMBAI,
MAHARASHTRA
400064
NEERAJ KUMAR JHA

FLAT NO 1501 15TH FLOOR WING C
ANTARTICA LODHA AOUA
MAHAJANWADI DAHISAR EAST
MUMBAI
400068
NEERAJ KUMAR JHA

A.27 RAM KUTIR BUNGALOW PUSHTIKAR
MAHARASHTRA
400102
F
ANNEXURE-1
32
flrara, Bank 000002
Dear Sir / Madam,

Ref: 1 . Home Loan Account Number LBMUMOOOOl867601 for an amount of ( 4800000.00
Z. Notice under Section 13(2) of the Securitisation and Reconstruction of Financial Assets and Enforcement of Security
lnteresl Act,2OOz
I undersigned, being Authorized Officer of lClCl Bank Limited appointed under the provision of the Securitisation and Reconstruction of Financial
Assets and Enforcement of Security lnterest Act, 2oo2, do hereby issue this legal notice to you under Section 13(2) of Securitisation and
Reconstruction of Financial Assets and Enforcement of Security lnterest Act,2002 (hereinafter referred as the "said Act"). The same is as under :-
1.you had approached us for a financial assistance and availed a home loan facility for a sum of t 4800000.00 towards immovable
property under the
entered into by and between lClCl Bank as a Secured Creditor and you, iointly as the Borrower/s on terms and conditions
loan facility agreement
Pursuant to
more particularly mentioned therein. The details of the immovable property are more particularly mentioned hereunder in Annexure "A".
of the said agreement, lClCl Bank disbursed to you the financial assistance from time to time.
"*""riion to create
2.We hereby inform you that in terms of execution of aloresaid loan facility agreement & loap facility availed by you, you with an intention
equitable mortgage towards the discharge of contractual liability, have interalia deposited / submitted the title deed I other documents in respect of
property mentioned in Annexure "A".
3.After availing the loan facility, it is observed that you have grossly failed and neglected in timely payment of contractual liability as admittedly
agreed under the aforesaid loan facility agreement executed by you thereby commifted breach of the terms and conditions of the said loan
alreement. lt is further observed that you have delaulted in payment of equated monthly installments (EMls) due and payable to the Bank under
aforesaid loan facility agreement.
4.We hereby inform you that as per the provision of the aforesaid Act, lclcl Bank is a Secured creditor and the debt due to the Bank is a debt secured
against the below mentioned property and the same is a security interest created in favour of lclcl Bank. You, being borrower/s of lclcl Bank have
committed defaults in payment of the secured debt including monthly installments in respect thereof'
5.We hereby inform you that due to non-payment of monthly dues, which has remained outstanding for over a period of 90 days, your debt has been
classified by our bank as Non-performing Asset (NPA) on October 07, 2012, in accordance with the directions or guidelines relating to assets
classifications issued by the Reserve Bank of lndia.
6.On account of defaults committed by you, you are jointly & severally liable to pay to us the total outstanding dues of < 5702387.00 as on 29 January
2015. We state that said outstanding amount is arrived after giving credits to all the part- payment made by you'
T.Under the circumstances, we hereby call upon you to repay the aforesaid entire dues of ( 5702387.00 within 60 (sixty) days from the date of this
notice, details whereof are mentioned hereunder in Annexure "B", failing which the Bank will have no other alternatives, but to exercise any and other
rights as mentioned in sub-section 4 of the Section 13 of the Securitisation and Reconstruction of Financial Assets and Enforcement of Security
lnterest Act,2002 which will include one or more of the following measures to recover the bank's secured debt, viz.,
a)take possession of the secured assets of the borrower including the right to transfer by way of lease, assignment or sale for realizing the secured
assets ;
b)take over the management of the business of the borrower including the right to transfer by way of lease, assignment or sale and realize the
secured asset ;
c)appoint any person (hereafter referred to as the manager), to manage the secured assets the possession of which has been taken over by the
secured creditor;
d)require at any time by notice in writing, any person who has acquired any of the secured assets Jrom the borrower and from whom any money is
due or may become due to the borrowei to pay the secured creditor, so much of the money as is sufficient to pay the secured debt.
g.please take note that this notice is issued to you under Section 13(2) of the Securitisation and Reconstruction of Financial Assets and Enforcement
proceedings (Civil
of Security lnterest Act, 2oo2 and is being issued without preludice to the Bank's right and remedies including the appropriate legal
I Criminal) to be initiated before the appropriate court and/or tribunal for recovery of the aforesaid outstanding amount.
g.you are therefore advised to comply with the demand under this notice and to avoid further action under the aforesaid Act, which shall of course
be at your costs and consequences.
or
10.please also take note that as per section 13(13) of aforesaid Act, after receipt of this notice, you shall not transfer/assign/surrender/sale/lease
otherwise (other than in the ordinary course of your business) any of your secured assets, without prior written consent of the Bank and violation
of
this will attract serious consequences.
Yours faithfully,
For lClCl Bank Limited,
I
t-
{ . , ,.. '. i' t'"'ti '' '
Authorized Officer
For any further clarifications:
Name: AMOL RANE
Please approach the Bank officials for services and grievance resolution Contact No. : 9870171036
Or
Visit the lClCl Bank Branch at:
ICICI BANK LTD., RAPG TOWERS,OPPOSITE HOTEL KOHINOOR CONTINENTAL,ANDHERI KURLA ROAD, J.B.NAGAR, ANDHERI
MUMBAI
ANNEXURE-1
33
OrcrctBank
000003
Annexure "A" (Particulars of Secured Property)

(As described in the loan document / property document covering FLAT NO 1501 15TH FLOOR WING C
ANTARTTCA LODHA AOUA S.NO (NEWI 37 /1 A,36/2 ,38/1 TO 7 8PT ,10 TO 14 ,154,158,16,17 B 18 TO 38
MAHAJANWAD! DAHISAR EAST MUMBA!)
(Admeasuring an area of 732 SQ FT)
BOUNDED BY
NORTH :ANTRATICA D
SOUTH : OPEN AREA
EAST :ANTRATICA B
WEST:ROAD
ANNEXURE-1 F
34
000004
Bank
Annexure "B"
Particulars Amount (<) as on 29 January 2015
Loan Agreement Number L8MUM00001867601

Amount Sanctioned < 4800000.00
Amount Disbursed < 4800000.00
EMI outstandinq { 1160434.00
Overdue & Other Charqes < 250224.00
Principal Outstanding < 4255322.00
lnterest for the Month < 36407.00
lotal Outstandinq (<) < 5702387.00
ANNEXURE-1
35
000005
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.----
ANNEXURE-2 36
000006
3/18/2015 Agnihotri & Jha Associates® Mail - Sanction letter 37
000007
ANNEXURE-3
Neeraj Jha <neeraj.jha@adjlegal.com>
Sanction letter
DEBAPRIYA CHAKRABORTY <debapriya.chakraborty@icicibank.com> Tue, Jul 12, 2011 at 8:32 PM
ReplyTo: debapriya.chakraborty@icicibank.com
To: neeraj.jha@adjlegal.com, Rati | ADJLEGALT <rati.agnihotri@adjlegal.com>
Dear Mr.Neeraj,
PFA the sanction letter based on amended I Base.

Regards,
Debapriya Chakraborty
Branch Sales Manager Home Loans
ICICI Bank Ltd.
9930062978

"Print this mail only if absolutely necessary. Save Paper. Save Trees."
"This email message may contain confidential, proprietary or legally privileged information. It should not be
used by anyone who is not the original intended recipient. If you have erroneously received this message,
please delete it immediately and notify the sender. The recipient acknowledges that ICICI Bank or its
subsidiaries and associated companies, (collectively "ICICI Group"), are unable to exercise control or ensure
or guarantee the integrity of/over the contents
of the information contained in email transmissions and further acknowledges that any views expressed in
this message are those of the individual sender and no binding nature of the message
shall be implied or assumed unless the sender does so expressly with due authority of ICICI Group.
Before opening any attachments please check them for viruses and defects."
Your attachment, san.jpg (; 292.2kb) can be downloaded at the following URL: http://10.16.18.155/
attachment/02/store/2011/07/12/20/19/19835/san.jpgThe attachment will be available for only 14 days
or guarantee the integrity of/over the contents of the information contained in email transmissions and further
acknowledges that any views expressed in this message are those of the individual sender and no binding
nature of the message shall be implied or assumed unless the sender does so expressly with due authority of
ICICI Group. Before opening any attachments please check them for viruses and defects."
https://mail.google.com/mail/u/0/?ui=2&ik=f4fa6bd220&view=pt&q=2011%2F07%2F12&qs=true&search=query&msg=1311edf5fea5ad66&siml=1311edf5fea… 1/1
38
000008
ANNEXURE-3
3/18/2015 Agnihotri & Jha Associates® Mail - Cheque Scan Copy 39
000009
ANNEXURE-4
Cheque Scan Copy
DEBAPRIYA CHAKRABORTY <debapriya.chakraborty@icicibank.com> Thu, Jul 14, 2011 at 7:25 PM
To: Rati | ADJLEGALT <rati.agnihotri@adjlegal.com>, neeraj.jha@adjlegal.com
Dear Mrs.Rati Agnihotri,
PFa the cheque scan copy to be delivered to you by tomorrow.Regret the delay caused.

Regards,
Branch Sales Manager Home Loans
ICICI Bank Ltd.
9930062978

Rat_Agnihotri.jpg
199K
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3/18/2015 0 (1275×1755) 40
000010
ANNEXURE-4
https://mail-attachment.googleusercontent.com/attachment/u/0/?ui=2&ik=f4fa6bd220&view=att&th=13128ef7aed7ffe2&attid=0.1&disp=inline&safe=1&zw&s… 1/1
3/18/2015 Agnihotri & Jha Associates® Mail - Recieving of Cheque 41
000011
ANNEXURE-5
Recieving of Cheque
Neeraj Jha <neeraj.jha@adjlegal.com> Fri, Jul 22, 2011 at 6:38 PM
ReplyTo: neeraj.jha@adjlegal.com
To: debapriya.chakraborty@icicibank.com
Cc: Rati Agnihotri <rati.agnihotri@adjlegal.com>, Vignesh Pillai <Vignesh.Pillai@lodhagroup.com>
Dear Debapriya,
Today I have received the cheque as released by you bearing Cheque No: 925965 dated 13 July, 2011. Your
representative have also received the corrected Demand Letter from Lodha today which was having the issue
of PIN Code.

Very Truly Yours,
Neeraj Kumar Jha,
Brand Owner: *IP Power House* IPSensa* Lex Ortus* IPLepsy*
IPR Consultant||Advocate|| [LL.B (Hons.), LL.M IPR|| Agnihotri & Jha Associates℠|| A27, Ram Kutir, Pushtikar Society,
Jogeshwari (W), Mumbai 400102, India || Board Line: +91224270 3131 Multi Lines: +91224270 3100199||Fax: +9122
39167237|| Mobile: +9198199 67711|| Email: neeraj.jha@adjlegal.com ||URL: http://www.adjlegal.com||BlackBerry® PIN:
228DFF5E ||
CONFIDENTIAL ATTORNEYCLIENT PRIVILEGED COMMUNICATION
This message and any attachment(s) contained here are information that is confidential, proprietary to M/s. Agnihotri & Jha Associates℠,
(Advocates & Solicitors), Complete Corporate Legal Solution and its clients. Contents may be privileged or otherwise protected by law. The
information is solely intended for the individual or the entity it is addressed to. If you are not the intended recipient of this message, you are not
authorized to read, forward, print, retain, copy or disseminate this message or any part of it. If you have received this e-mail in error, please notify
the sender immediately by return e-mail and delete it from your computer.
__________________________________________________________________________________________
_____
https://mail.google.com/mail/u/0/?ui=2&ik=f4fa6bd220&view=pt&q=in%3Asent%20after%3A2011%2F07%2F21%20before%3A%202011%2F07%2F23&qs=… 1/1
3/18/2015 Agnihotri & Jha Associates® Mail - Bank Statement 42
000012
ANNEXURE-6
Bank Statement
Neeraj Jha <neeraj.jha@adjlegal.com> Wed, Aug 17, 2011 at 5:44 PM
To: debapriya.chakroborty@icicibank.com
Cc: devashree.roychoudhary@icicibank.com, Rati Agnihotri <rati.agnihotri@adjlegal.com>
Hi Debapriya,
Firstly please clarify why you have not asked with these formalities such as bank statements earlier, I had
intimated you well in advance that the last date of handing over the check to the builder was on 16th August,
2011 and you told me we will get the cheque well before the time, and thereafter numerous followups you
come up with certain requirements at the last moment and also not picking up calls.
Please find the attached scanned copy of the bank statement please see the third page wherein it mentioned
about the said transaction amount to Cowtown.
[Quoted text hidden]
Page 3 Bank Statement.pdf
576K
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3/18/2015 Agnihotri & Jha Associates® Mail - From the Lodha Group : Interest Working and Slab 2 Payment adjustment 43
000013
ANNEXURE-7
From the Lodha Group : Interest Working and Slab 2 Payment adjustment
Abhinav Aggarwal <Abhinav.Aggarwal@lodhagroup.com> Thu, Sep 29, 2011 at 12:18 PM
To: "neeraj.jha@adjlegal.com" <neeraj.jha@adjlegal.com>
Cc: Mili Bolakani <MiliK.Bolakani@lodhagroup.com>, Virendra Singh <Virendra.Singh@lodhagroup.com>, Rati
Agnihotri <rati.agnihotri@adjlegal.com>
Dear Mr Jha,
Please note that while the demand date on the demand letter for Slab 4 & Brickwork is dated 22nd Sep, 2011
with the due date as 6th October, 2011, since we sent you the demand letter with all previous receipts on the
27th Sep, 2011, the due date for making the corresponding payment would be 11th October, 2011.
The system captures the date when the slab was raised for the entire building and the same date reflects on
the demand letter.
Look forward to our meeting this week or next. Also, please let us know if we can follow up with your banker
so that your payments come in by the 11th of October, 2011.
Warm Regards,
Abhinav
Customer Care
From: Neeraj Jha [mailto:neeraj.jha@adjlegal.com]
Sent: Monday, September 26, 2011 5:44 PM
To: Abhinav Aggarwal
Cc: Mili Bolakani; Virendra Singh; 'Rati Agnihotri'
Subject: RE: From the Lodha Group : Interest Working and Slab 2 Payment adjustment
https://mail.google.com/mail/u/0/?ui=2&ik=f4fa6bd220&view=pt&q=after%3A%202011%2F09%2F28%20before%3A2011%2F09%2F30&qs=true&search=q… 1/1
3/18/2015 Agnihotri & Jha Associates® Mail - Home Loan 44
000014
ANNEXURE-8 (Colly)
Home Loan
Neeraj Jha <neeraj.jha@adjlegal.com> Tue, Oct 11, 2011 at 5:53 PM
To: nilambari.sapate@icicibank.com
Cc: Abhinav Aggarwal <Abhinav.Aggarwal@lodhagroup.com>
Hi Nilambri,
PFA the bank account transaction confirming the below mentioned payments
made to Cowtown Development.. I had given all the original receipts to you I
am still wondering why you don't have the receipts of the same. I had asked
Mr. Abhinav Agarwal from Lodha Group to arrange for the scanned copy of the
said receipts.
Regards,
Neeraj
Original Message
Sent: Tuesday, October 11, 2011 4:52 PM
To: 'nilambari.sapate@icicibank.com'
Subject: RE: Home Loan
Dear Nilambri,
I wonder how you have calculated the own contribution amount till date to be
only 1258473.
Please see even if we exclude all the govt fee and stamp duties & taxes then
also the amount is coming [Rs. 54000/ + 598939 + 659534 + 89000 + 110664] =
Rs. 15,12, 137/. I had already sent you the scanned copy of the receipt of
the amount 54,000/ + 598939 + 659534 through my earlier mail. If you need
the bank clearance statement for 89,000/ and Rs 110664/. I hope it will be
sufficient to clear this amount of demad letter.
Regards,
Neeraj
Original Message
From: nilambari.sapate@icicibank.com [mailto:nilambari.sapate@icicibank.com]
To: neeraj.jha@adjlegal.com
Subject: Re: Home Loan
2 attachments
AGNIHOTRI & JHA ASSOCIATES (5).xls
24K
https://mail.google.com/mail/u/0/?ui=2&ik=f4fa6bd220&view=pt&q=in%3Asent%20after%3A%202011%2F10%2F10%20before%3A2011%2F10%2F12&qs=… 1/2
000015
ANNEXURE-8 (Colly)
Home Loan
Dear Nilambari,
Thanks for your mail.
The sanction amount towards the loan amount is Rs. 48,00000/, We had got
the confirmation letter from your bank of Rs.50,00000/. Therefore the
amount payable towards the consideration value of Rs. 6901344 will be
(6901344 4800000 = 2101344 ). Therefore the amount for personal
contribution amounts to Rs.2101344.
Amount till disbursed from ICICI Bank: Rs. 14,40,000/ (First Disbursement)
+ Rs. 6, 28,801 (Second Disbursement) = Rs. 20,68,801
Amount till date paid to the builder from our own contribution =
[(Rs.54,000/ (At the time of Regn. On 19/10/2010 receipt is with you) +
Rs.5,98,939/ (on 15/11/2010 receipt is with you) + Rs.6,59,534/ (on
3/12/2010 receipt is with you)+ Rs.397120/ (DD towards Stamp Duty in favor
of IDBI BANK A/C STAMP DUTY copy of the same is with you in your record) +
Rs. 30,000 (DD towards Registration Charges in favor of "THE JOINT
SUBREGISTRAR THANE" copy of the same is with you in your record)+ Rs.
69,013 (in favour of Cowtown Land Development Pvt. Ltd. copy of the receipt
had been submitted to you) + Rs.89,000/ (at the time of first disbursement
from A/c no: 015801517752 Bank: ICICI, cheque no: 421451 dated 22/07/2011)
+ Rs. 1,10,664/ (at the time of first disbursement from A/c
No:04051131000694; Bank: OBC, Cheque No: 512337 dated 22/07/2011) + Rs.
40,931 paid in favor of Cowtown Development Pvt. Ltd. Receipt attached for
your record 05102011]
Total sum till date paid from personal contribution = Rs. 2049201
Therefore there is only the shortfall of Rs. 52143/ which I will get
adjusted in the next demand letter.
Please feel free for any further query.
Regards,
Neeraj Jha
Original Message
Subject: Home Loan
000016
ANNEXURE-8 (Colly)
Home Loan
Dear Nilambri,
I wonder how you have calculated the own contribution amount till date to be
only 1258473.
Please see even if we exclude all the govt fee and stamp duties & taxes then
also the amount is coming [Rs. 54000/ + 598939 + 659534 + 89000 + 110664] =
Rs. 15,12, 137/. I had already sent you the scanned copy of the receipt of
the amount 54,000/ + 598939 + 659534 through my earlier mail. If you need
the bank clearance statement for 89,000/ and Rs 110664/. I hope it will be
sufficient to clear this amount of demad letter.
Regards,
Neeraj
Original Message
Subject: Re: Home Loan
000017
ANNEXURE-8 (Colly)
Home Loan
Nilambari Londhe <nilambari.sapate@icicibank.com> Tue, Oct 11, 2011 at 12:57 PM
ReplyTo: nilambari.sapate@icicibank.com
Dear Sir
As discussed the total loan amount is Rs 4800000 ( It includes insurance of Rs 153048 )
Hence loan amount payable to builder Rs 4646952.
Agreement value:Rs 6901344
Hence own contribution required is Rs 2254392
Agreement value minus loan amount= Own contribution ( which has to be paid to the builder from your end)
i.e Rs 2254392
At the time of 1st disbursement we had received Rs 822067 receipts ( Own contribution) which you had paid
to the builder.
Request you to provide details of any other payment made to the builder and also the bank clearance.
To go ahead with current disbursement request we would require own contribution payment receipts and bank
clearance.
Regards
Nilambari

3/18/2015 Agnihotri & Jha Associates® Mail - Sanction of Demand Letter 48
000018
ANNEXURE-9 (Colly)
Sanction of Demand Letter
Neeraj Jha <neeraj.jha@adjlegal.com> Thu, Oct 13, 2011 at 5:59 PM
Cc: Abhinav Aggarwal <Abhinav.Aggarwal@lodhagroup.com>, Mili Bolakani <MiliK.Bolakani@lodhagroup.com>,
Rati Agnihotri <rati.agnihotri@adjlegal.com>
Hi Nilambri,
Please state that after numerous follow up from our side to disburse the amount for the demand letter..why
the same had not been disbursed till date as I have already stated you that 11th October, 2011 was the last
day to comply the demand, stating your technical problem my builder had given further 2 days grace period .
Please state the reasons in detail and coordinate with my builder why he should not charge me with
penalty…and if he charges penalty who shall be liable for the same.
Require your response in urgently

Very Truly Yours,
Neeraj Kumar Jha,
228DFF5E ||
__________________________________________________________________________________________
_____
000019
ANNEXURE-9 (Colly)
Nilambari Londhe <nilambari.sapate@icicibank.com> Thu, Oct 13, 2011 at 6:50 PM
Cc: Abhinav Aggarwal <Abhinav.Aggarwal@lodhagroup.com>, Mili Bolakani <MiliK.Bolakani@lodhagroup.com>,
Rati Agnihotri <rati.agnihotri@adjlegal.com>, DEBAPRIYA CHAKRABORTY /MORTG/IBANK/GKTP
<debapriya.chakraborty@icicibank.com>
Dear Sir
Please find enclosed scanned copy of disbursement cheque.
The disbursement cheque would be delivered to you shortly.
Regards
Nilambari Sapate
Relationship officer
9930064293
Cheque.jpg
138K
3/18/2015 0 (1275×1755) 50
000020
ANNEXURE-9 (Colly)
https://mail-attachment.googleusercontent.com/attachment/u/0/?ui=2&ik=f4fa6bd220&view=att&th=132fd710fbfc8977&attid=0.1&disp=inline&safe=1&zw&s… 1/1
000021
ANNEXURE-10
Abhinav Aggarwal <Abhinav.Aggarwal@lodhagroup.com> Fri, Oct 14, 2011 at 10:46 AM
Cc: Mili Bolakani <MiliK.Bolakani@lodhagroup.com>, Rati Agnihotri <rati.agnihotri@adjlegal.com>
Dear Mr Jha,
Please send us your payment immediately and by lunch today so no further interest is charged to your
account.
I have taken management approval to grant a total of 3 days grace to you which expires today. Should your
payment come after today, the grace will stand null and void and interest will be charged to your account from
the original due date i.e 11th October, 2011.
Look forward to receiving your payment by lunch today so that the cheque can be banked today itself.
Warm Regards,
Abhinav
Customer Care
"The contents of this email and any attachment(s) may be confidential and privileged and are intended for the
named recipient(s) only and access by anyone else is unauthorized. No representation as to the accuracy or
completeness of this email is made by the sender or any entity forming part of the Lodha group ("Lodha
Group"). If you are the erroneous or unintended recipient, please delete the same and notify the sender.
In providing this email or attachment/s, Lodha Group assumes that the recipient is capable of evaluating the
merits and risks of any transaction described in it and Lodha Group is neither making any recommendation,
nor acting as the adviser of or assuming any duty of care to the recipient.
Virus Warning: Electronic messages cannot be guaranteed to be secure, timely or errorfree. Lodha Group
does not accept responsibility for any loss or damage arising from the use of this email or attachment(s)."
3/18/2015 Agnihotri & Jha Associates® Mail - Lodha Intimation for next Demand Letter 52
000022
ANNEXURE-11
Lodha Intimation for next Demand Letter
Neeraj Jha <neeraj.jha@adjlegal.com> Mon, Oct 17, 2011 at 1:37 PM
Dear Nilambri,
Greetings of the day,
I am sending you the Intimation Letter received from Lodha for the next Demand Letter. As per the Agreement
the brick work and the plaster work is required to be initiated after the completion of 12th slab. I would like to
get the technical report from your team whether such demand is reasonable.

Very Truly Yours,
Neeraj Kumar Jha,
228DFF5E ||
__________________________________________________________________________________________
_____
53
000023
ANNEXURE-11
3/18/2015 Agnihotri & Jha Associates® Mail - Lodha Intimation for next Demand Letter 54
000024
ANNEXURE-12
Lodha Intimation for next Demand Letter
Nilambari Londhe <nilambari.sapate@icicibank.com> Fri, Nov 11, 2011 at 4:09 PM
Cc: DEBAPRIYA CHAKRABORTY /MORTG/IBANK/GKTP <debapriya.chakraborty@icicibank.com>
Dear Sir
As per the technical data 38% work is completed.
Hence currently we would not be able to go ahead with further disbursement .
Regards
Nilambari
Neeraj Jha wrote:
Your attachment, Lodha Intimation 12102010.pdf (; 499.0kb) can be downloaded at the
following URL: http://10.16.18.155/attachment/02/store/2011/10/
17/13/38/990/Lodha_Intimation_12_10_2010.pdfThe attachment will be available for only 14
days
3/18/2015 Agnihotri & Jha Associates® Mail - Home Loan disbursement 55
000025
ANNEXURE-13
Home Loan disbursement
Nilambari Londhe <nilambari.sapate@icicibank.com> Fri, Nov 18, 2011 at 7:03 PM
Cc: DEBAPRIYA CHAKRABORTY /MORTG/IBANK/GKTP <debapriya.chakraborty@icicibank.com>
Dear Sir
To go ahead as per the builder demand, request you to pay Rs 210795 ( own contribution ).
After the payment of Rs 210795 , we would be able to release the balance payment of Rs 118792.
We would require payment receipt of Rs 210795 and Bank clearance to go ahead with disbursement of Rs
118792.
This is subject to the technical verification .
Regards
Nilambari Sapate

3/18/2015 Agnihotri & Jha Associates® Mail - FW: E-Demand for Flat No. 1501 , ANTARTICA - C , Project AQUA 56
000026
ANNEXURE-14
FW: EDemand for Flat No. 1501 , ANTARTICA C , Project AQUA
Neeraj Jha <neeraj.jha@adjlegal.com> Sat, Dec 24, 2011 at 1:12 PM
To: nilambari.sapate@icicibank.com, debapriya.chakroborty@icicibank.com,
debapriya.chakraborty@icicibank.com
Dear Debapriya,
As discussed please find below the trailing mail to understand the conversation and accordingly do your
technical report at your end and do the needful before the said time frame.
‐‐‐
Very Truly Yours,
Neeraj Kumar Jha,
21839510 ||
__________________________________________________________________________________________
_____
Sent: Monday, December 19, 2011 11:43 AM
To: 'Mili Bolakani'
000027
Cc: 'rati.agnihotri@adjlegal.com'; 'bnjha@ntpceoc.co.in'
ANNEXURE-14
Subject: RE: EDemand for Flat No. 1501 , ANTARTICA C , Project AQUA
Importance: High
Dear Mili,
Greetings of the day!
Please find below my remarks in red in below mentioned explainatory mail of yours, please consider the
%age of amount paid with respect of the stage of your construction and awaiting your revert.
‐‐‐
Very Truly Yours,
Neeraj Kumar Jha,
21839510 ||
__________________________________________________________________________________________
_____
From: Mili Bolakani [mailto:MiliK.Bolakani@lodhagroup.com]
Sent: Monday, December 19, 2011 10:52 AM
Subject: EDemand for Flat No. 1501 , ANTARTICA C , Project AQUA
000028
Dear Mr. Jha, ANNEXURE-14

Greetings from the Lodha Group!
Please find my responses in line to your query below:
1. It is true that Brickwork and Plaster workstages have been mentioned after Slab 14 in the agreement.
As per the agreement for sale, the incidence of payment for any workstage is on the initiation of that
workstage and it has no bearing whatsoever on the sequence in which the workstages are initiated. |The
brick work and plaster work is the external work when the structure is complete and related to the
property, I can not see the initiation of brick work and plaster work wherein the actual structure of my flat
is not ready.
2. The very fact that we believe in providing timely possession to our clients, we have ensured that
critical and time consuming workstages such as Brickwork and Plaster are started as soon as construction
of storey‐wise slabs progresses. |At the time of booking we had been informed that the possession of the
flat will be on March, 2012 (advertisement paper lies with us)and thereafter we considered it to be a
feasible option and booked that flat, thereafter in the Agreement you have mentioned 31st December,
2012 with relaxation pd. Of 8 months, your representative had explained with the reason that the building
will be of 16 floor instead of 15, as per our conversation you had intimated me of May, 2013 ...we are
doubting what is the actual date of possession you had already delayed the project and assurance of
timely possession from your side is vague commitment.
3. Lastly, I would like to inform you that the demands are being raised based on the agreed payment
schedule duly signed by both the parties. Would request you to kindly refer page # 13 for a better
understanding.| The same is misinterpreted by you for better understanding please have a look what
your clients have to say: http://www.consumercourt.in/flats/13950lodhabuilderscheaterbuilders.html
Trust this resolves your concerns. Do let me know if you need any further clarifications.
Thanks & Regards,
Mili Bolakani
Executive|Customer Care
Lodha Excelus, N.M.Joshi Marg,
Mahalaxmi, Mumbai 400011
tel +912267737341
Mob +919619715485
w w w . l 000029
odhagroup.com ANNEXURE-14
Sent: Saturday, December 17, 2011 2:34 PM
To: Mili Bolakani
Subject: RE: EDemand for Flat No. 1501 , ANTARTICA C , Project AQUA
Importance: High
Dear Mili,
As per the agreement schedule Brick Work & Plaster Work has to be initiated after completion of 15th
Floor and therefore the same had been numbered after completion of 15th Floor. However you had
started the brick work asked the demand when your construction had reached merely up to 3rd floor and
currently you have completed only 7th floor, and the brick work had reached only upto 3rd floor… what
has prompted you to start the plaster work as you have raised the demand for the same?
If the same is initiated at this level then why not you have started plaster and brick work at the
completion of first slab? Or otherwise the same should be done after completion of basic structure.
The demand for the same is unwarranted to me at the time of making agreement so I suggest you to look
in the matter and raise the demand as per agreed terms.
‐‐‐
Very Truly Yours,
Neeraj Kumar Jha,
21839510 ||
000030
ANNEXURE-14
__________________________________________________________________________________________
_____
Subject: EDemand for Flat No. 1501 , ANTARTICA C , Project AQUA
Importance: High
Dear Mr. Jha,
As per our telephonic conversation please find attached the e‐mail sent to you yesterday.
Do revert in case of any further query.
Thanks & Regards,
Mili Bolakani
Executive|Customer Care
tel +912267737341
Mob +919619715485
www.lodhagroup.com

"The contents of this email and any attachment(s) may be confidential and
3/18/2015 Agnihotri & Jha Associates® Mail - Lodha Aqua AntaRtica C 1501 (Disbursement) 61
000031
ANNEXURE-15
Lodha Aqua AntaRtica C 1501 (Disbursement)
Mili Bolakani <MiliK.Bolakani@lodhagroup.com> Mon, Jan 2, 2012 at 5:33 PM
Dear Mr. Jha,
As discussed regarding the attached email that since the bank is not disbursing the full amount interest @
18% pa will be applicable. Further, you also confirmed to me that you will be speaking to your bankers with
regards to the disbursement.
Request you to kindly get in touch with your banker and intimate them that all the other banks have disbursed
the payments for Slab 8+Platser.
Thanks & Regards,
Mili Bolakani Executive|Customer

Care
tel +912267737341
Mob +919619715485
www.lodhagroup.com
Forwarded message
From: Neeraj Jha <neeraj.jha@adjlegal.com>
To: Mili Bolakani <MiliK.Bolakani@lodhagroup.com>
Cc: "debapriya.chakraborty@icicibank.com" <debapriya.chakraborty@icicibank.com>,
"nilambari.sapate@icicibank.com" <nilambari.sapate@icicibank.com>
000032
Date: Mon, 2 Jan 2012 17:23:41 +0530 ANNEXURE-15
Subject: FW: [Fwd: Re: Bank Clearance on 17102011]
Dear Mili,
As per our discussion the bank had disbursed the amount of Rs.464435 against your demand letter Rs.
659,534/ . The reason stated by the banker is that their technical department had surveyed the stage of
construction and found that the maximum they can disburse the amount of Rs. 464435/ till the stage of
construction you have reached today.
Please find the trailing mail for your peruse. Kindly advise accordingly.

Very Truly Yours,
Neeraj Kumar Jha,
21839510 ||
__________________________________________________________________________________________
_____
From: debapriya.chakraborty@icicibank.com [mailto:debapriya.chakraborty@icicibank.com]
Subject: [Fwd: Re: Bank Clearance on 17102011]
Dear Mr.Neeraj,
Greetings and a very Happy New Year 2012!
000033
ANNEXURE-15
We have disbursed an amount of Rs.464435 based on our technical team recommendation. The cheque will
be delivered to you at your convenience.
--
Regards,

Branch Sales Manager - Mortgages
ICICI Bank Ltd.
Mob: +91-9930062978
Neeraj Jha wrote:
Dear Debapriya,
PFA the bank clearance of Rs. 40,931 for your peruse.
Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â
Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â & ;Aci rc; Â Â Â Â Â Â Â Â Â Â Â Â Â
Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â

Very Truly Yours,
Neeraj Kumar Jha,
Brand Owner: *IP Power House*Â IPSensa* Lex Ortus*Â IPLepsy*
IPR Consultant||Advocate|| [LL.B (Hons.), LL.M IPR|| Agnihotri & Jha Associatesâ„ || A27, Ram Kutir, Pushtikar Society,
39167237|| Mobile: +9198199 67711|| Email: neeraj.jha@adjlegal.com ||URL: http://www.adjlegal.com||BlackBerryÂ® PIN:
21839510 ||
This message and any attachment(s) contained here are information that is confidential, proprietary to M/s. Agnihotri & Jha Associatesâ„ ,
__________________________________________________________________________________________
_____
3/18/2015 Agnihotri & Jha Associates® Mail - Bank Clearance on 17-10-2011 64
000034
ANNEXURE-15
Bank Clearance on 17102011
Neeraj Jha <neeraj.jha@adjlegal.com> Mon, Jan 2, 2012 at 5:23 PM
To: Mili Bolakani <MiliK.Bolakani@lodhagroup.com>
Cc: debapriya.chakraborty@icicibank.com, nilambari.sapate@icicibank.com
Dear Mili,
As per our discussion the bank had disbursed the amount of Rs.464435 against your demand letter Rs.
659,534/ . The reason stated by the banker is that their technical department had surveyed the stage of
construction and found that the maximum they can disburse the amount of Rs. 464435/ till the stage of
construction you have reached today.
Please find the trailing mail for your peruse. Kindly advise accordingly.

Very Truly Yours,
Neeraj Kumar Jha,
21839510 ||
__________________________________________________________________________________________
_____
3/18/2015 Agnihotri & Jha Associates® Mail - Bank Clearance on 17-10-2011 65
000035
From: debapriya.chakraborty@icicibank.com [mailto:debapriya.chakraborty@icicibank.com]
ANNEXURE-15
Subject: [Fwd: Re: Bank Clearance on 17102011]
Dear Mr.Neeraj,
Greetings and a very Happy New Year 2012!
We have disbursed an amount of Rs.464435 based on our technical team recommendation. The cheque will
be delivered to you at your convenience.
--
Regards,

ICICI Bank Ltd.
Mob: +91-9930062978
Neeraj Jha wrote:
Dear Debapriya,
PFA the bank clearance of Rs. 40,931 for your peruse.
Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â
Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â & ;Aci rc; Â Â Â Â Â Â Â Â Â Â Â Â Â
Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â

Very Truly Yours,
Neeraj Kumar Jha,
IPR Consultant||Advocate|| [LL.B (Hons.), LL.M IPR|| Agnihotri & Jha Associatesâ„ || A27, Ram Kutir, Pushtikar Society,
39167237|| Mobile: +9198199 67711|| Email: neeraj.jha@adjlegal.com ||URL: http://www.adjlegal.com||BlackBerryÂ® PIN:
21839510 ||
This message and any attachment(s) contained here are information that is confidential, proprietary to M/s. Agnihotri & Jha Associatesâ„ ,
000036
ANNEXURE-15
Lodha Aqua AntaRtica C 1501 (Disbursement)
To: nilambari.sapate@icicibank.com, debapriya.chakraborty@icicibank.com
Cc: Mili Bolakani <MiliK.Bolakani@lodhagroup.com>
Dear Nilambri/ Debapriya,
Please find my conversation with the Builder (trailing mail) for your peruse, kindly take the prudent and wise
decision accordingly.

Very Truly Yours,
Neeraj Kumar Jha,
21839510 ||
__________________________________________________________________________________________
_____
Sent: Monday, January 02, 2012 5:33 PM
Subject: Lodha Aqua AntaRtica C 1501 (Disbursement)
3/18/2015 67
Agnihotri & Jha Associates® Mail - RE:'ICICICARE=549-102' Product: Home Loan-Service Provider Related / Old Customer /neeraj.jha@adjlegal.com
000037
First Name: Neeraj ANNEXURE-15
Last Name: Jha
An ICICI Bank Customer: Yes
Product: Home LoanService Provider Related
Account No: LBMUM00001867601
What would you like to say: Dear Sir/ Ma'm,
I face a great problem at the time of disbursement of my loan amount everytime, Ms. Debapriya, Ms. Nilambri
from your Ghatkopar Branch is handling our loan disbursement, I had given them the demand letter on the
very next day I received from Lodha builder and asked to take their technical verification done on the very last
day she informed me that as per their technical recommendation as the stage of construction had not reached
upto the limit of their technical team therefore they can not disburse the full amount, this intimation had been
given to me after the due date to pay the builder which had already been crossed, I asked them not to worry
just give me a mail stating your Technical teams recommendation that the same can not be disbursed as the
construction level had not reached upto that point on which she said this I can say you verbally and cant give
you in writing..and their after stopped picking the calls and some another side of the story was being told to
me by Ms. Nilambri. This kind of inefficient and un professional service we had also face during my last
disbursement wherein after the elapse of due date she informed me that as per prorata I was required to pay
Rs. 60,000/ thereafter they will disburse the amount of Rs. 3,29,000/ finding it futile to further talk with them
we had given whole amount from our own contribution and due to delay from your part paid the relevant
penalty charges to the builder.
The mail id's of the ICICI officials with whom we are coordinating are following for your peruse
1. debapriya.chakraborty@icicibank.com
2. nilambari.sapate@icicibank.com
3. sangya.jain@icicibank.com

Please note only in absence of Debapriya I was told to forward the mails to sangya.jain@icicibank.com, so i
doubt whether she is known to such case or not?

I feel unlucky that even having relationship with the leading private sector bank in India I did not had a
pleasant experience at all.

I would request you to kindly look in the matter at the earliest.
Following are the numbers I had been provided to coordinate with
1. Nilambri 09930064293
2. Debapriya 09930062978
3. Mr. Gaurav 09930062801

Very Truly Yours,
Neeraj Kumar Jha
LL.B (Hons.), LL.M
Mob 9819967711

Email address: neeraj.jha@adjlegal.com
Telephoneno:+912242703131
Correspondence address: A701, Kalpataru Classic, Chincholi Phatak Road, S.V. Road, Malad (W), Mumbai
400067
City: Mumbai
Country: India
Pin Code: 400067

3/18/2015 Agnihotri & Jha Associates® Mail - RE:'ICICICARE=549-102' Product: Home Loan-Service Provider Related / Old Customer /neeraj.jha@adjlegal.com 68
000038
ANNEXURE-16
RE:'ICICICARE=549102' Product: Home LoanService Provider Related / Old
Customer /neeraj.jha@adjlegal.com
ICICI Bank Customer Care <customer.care@icicibank.com> Tue, Jan 3, 2012 at 4:35 PM
Dear Mr. Jha,

Greeting from ICICI Bank!

We refer to our telephonic conversation on your contact number 09819957711
dated January 3, 2012, we have registered your request for the loan disbursement status through Service
Reference Number SR208465021.

We will update you the status by January 12, 2012.

We look forward for more opportunities to be of service to you.

Sincerely,

Divya Potluri
Customer Service Officer
ICICI Bank Limited

For Home Loan account details/ Amortization Schedule/ Income Tax Certificate, please visit our web site
www.icicibank.com and select Personal Banking >Loans> Home Loans Amortization Schedule & IT Certificate.

"If you receive an SMS from ICICI Bank with a Unique Reference Number or URN without you having added
a new payee in your account through internet banking, report to us immediately. Do not disclose the URN to
any stranger, even if the person claims to be our employee"
ICICI Bank awarded "House Of The Year (India)", by Asia Risk magazine, for the eighth time in a row since 2004.

CONFIDENTIALITY INFORMATION AND DISCLAIMER:

This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original
intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail
transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any
attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any
manner or to evade responsibility for any act of done with the endorsement of ICICI Bank.

Original Message

Title: Mr.
000039
ANNEXURE-17
Home Loan
4 messages
Nilambari Sapate <nilambari.sapate@icicibank.com> Fri, Jan 6, 2012 at 3:02 PM
To: Neeraj Jha <neeraj.jha@adjlegal.com>
Cc: Debapriya Chakraborty /RCLG/IBANK/GKTP <debapriya.chakraborty@icicibank.com>
Dear Mr Neeraj
Please find the details for your loan:
The disbursement is done as per pro rata funding.
The total loan amount is Rs 4800000 ( Including insurance of Rs 153048 )
The total amount disbursed till date is Rs 3730456
Your contribution required is Rs 2254392
We have received own contribution of Rs 1809769
Pending own contribution is Rs 444623
We have done the funding of 78% of your total loan amount.
To go ahead with any further disbursement proportionate funding from your end would be required .
Regards
Nilambari Sapate

Cc: rati.agnihotri@adjlegal.com, bnjha@ntpceoc.co.in
Dear Nilambri,
As per our discussion and with effect to earlier mails 10112011 (as
attached),
The Stamp Duty and registration charges was also supposed to be treated as
our own contribution however I have not taken into consideration the MVAT
and Service Taxes ,
Therefore considering the same our contribution will be Rs1809769 + Rs.
427120 = Rs. 2236889.
000040
ANNEXURE-17
Based on your prorata basis I hope now you would be able to disburse the
remaining amount of Rs. 1,95099.00

Very Truly Yours,
Neeraj Kumar Jha,
Original Message
Sent: Friday, January 06, 2012 3:03 PM
To: Neeraj Jha
Cc: Debapriya Chakraborty /RCLG/IBANK/GKTP
Subject: Home Loan
Dear Mr Neeraj
Please find the details for your loan:
The disbursement is done as per pro rata funding.
The total loan amount is Rs 4800000 ( Including insurance of Rs 153048 )
The total amount disbursed till date is Rs 3730456
Your contribution required is Rs 2254392
We have received own contribution of Rs 1809769
Pending own contribution is Rs 444623
We have done the funding of 78% of your total loan amount.
To go ahead with any further disbursement proportionate funding from
your end would be required .
Regards
Nilambari Sapate

"This email message may contain confidential, proprietary or legally
privileged information. It
should not be used by anyone who is not the original intended recipient. If
you have erroneously
received this message, please delete it immediately and notify the sender.
The recipient
acknowledges that ICICI Bank or its subsidiaries and associated companies,
(collectively "ICICI
Group"), are unable to exercise control or ensure or guarantee the integrity
of/over the contents
of the information contained in email transmissions and further
acknowledges that any views
expressed in this message are those of the individual sender and no binding
nature of the message
shall be implied or assumed unless the sender does so expressly with due
authority of ICICI Group.
RE_ Home Loan. mail dated 101111.pdf
17K
000041
ANNEXURE-18 (Colly)
Nilambari Sapate <nilambari.sapate@icicibank.com> Mon, Jan 9, 2012 at 4:22 PM
To: nilambari.sapate@icicibank.com, Neeraj Jha <neeraj.jha@adjlegal.com>
Cc: debapriya Chakraborty /RCLG/IBANK/GKTP <debapriya.chakraborty@icicibank.com>
Dear Mr Neeraj
As per the sanction letter LTV is 65% on COP. ( i.e Bank would be funding 65% of your cost of
property )( It is mentioned sanction Letter )
COP in your case is Rs 7330544 ( Agreement value:6901344+Stamp duty Rs
397000+Registration Rs 32200 )
Hence the Loan amount is Rs 4800000 ( It is 65.48% of COP )
Loan amount includes Rs 153048 as Insurance.
Hence the total amount payable to the builder is Rs 4646952.
Bank would be releasing the amount of Rs 4646952 to the builder and would require the copies
of payment done from your contribution to the builder which amount to Rs 2254392.
Own Contribution means Agreement value minus Loan amount.
Bank collect the receipts of all the payment done to the builder by applicant .
In Normal Home Loan funding we collect these receipt before 1st disbursement.
Regards
Nilambari Sapate
Relationship Officer
Nilambari Sapate
Neeraj Jha wrote:
Dear Nilambri,
As per our discussion and with effect to earlier mails 10-11-2011
(as
attached),
The Stamp Duty and registration charges was also supposed to be
treated as
our own contribution however I have not taken into consideration
the MVAT
and Service Taxes ,
Therefore considering the same our contribution will be Rs1809769
+ Rs.
427120 = Rs. 2236889.
000042 Your attachment, RE_ Home Loan. mail dated 101111.pdf (; 16.6kb) can be
ANNEXURE-18 (Colly)
downloaded at the following URL: http://10.16.18.155/
attachment/02/store/2012/01/09/13/20/25911/RE__Home_Loan._
mail_dated_10_11_11.pdfThe attachment will be available for only 14 days
Dear Nilambri,
I have sent you the Sanction Letter sent to us by Debapriya in which the Loan Amount is written Rs.
4953048/‐ in which the insurance of Rs. 153048/‐ is included, therefore the total amount payable to the
builder is (Rs. 4953048‐ 153048 = Rs. 48,00,000/‐); Pease see the sanction letter which we have sent you
with earlier mail.
‐‐‐
Very Truly Yours,
Neeraj Kumar Jha,
21839510 ||
000043
ANNEXURE-18 (Colly)
Home Loan
Dear Nilambri,
As per our discussion and with effect to earlier mails 10112011 (as
attached),
The Stamp Duty and registration charges was also supposed to be treated as
our own contribution however I have not taken into consideration the MVAT
and Service Taxes ,
Therefore considering the same our contribution will be Rs1809769 + Rs.
427120 = Rs. 2236889.
Based on your prorata basis I hope now you would be able to disburse the
remaining amount of Rs. 1,95099.00

Very Truly Yours,
Neeraj Kumar Jha,
Original Message
Sent: Friday, January 06, 2012 3:03 PM
To: Neeraj Jha
Cc: Debapriya Chakraborty /RCLG/IBANK/GKTP
Subject: Home Loan
RE_ Home Loan. mail dated 101111.pdf
17K
3/18/2015 Agnihotri & Jha Associates® Mail - RE: Home Loan-URGENT ATTENTION 74
000044
ANNEXURE-19 (Colly)
RE: Home LoanURGENT ATTENTION
Nilambari Sapate <nilambari.sapate@icicibank.com> Mon, Jan 16, 2012 at 1:52 PM
Cc: gaurav.wig@icicibank.com, debapriya Chakraborty /RCLG/IBANK/GKTP
<debapriya.chakraborty@icicibank.com>, rati.agnihotri@adjlegal.com
Dear Mr Neeraj
Though there is sanction letter forwarded to you for Rs 4953048.
In your case loan to value ration is decided to be 65% on cost of Property.( Agreement value+stamp duty
+registration)
Hence we would not be able to consider loan amount of Rs 4953048.
Regards
Nilambari
Neeraj Jha wrote:
Hi Nilambri,
I am writing this mail as per our telcon today regarding the disbursement issue. In the
trailing mails I had explained the amount from our own contribution which if considered will
qualify the pro‐rata basis. Further I had mailed you the sanction letter which we received
which was of 4953048 towards loan facility amount which includes Rs. 153048 towards loan
insurance which was erroneously been calculated by you as Rs. 4800000 towards loan
facility amount.
During our conversation you informed me that your bank used to issue a lot of (50) such
sanction letter before disbursement but all can not be considered, I am unaware of such
practices by any bank , or might you were trying to say something else..I just wanted to draw
your attention that the sanction letter which we received was 12th july, 11 at 8:32 pm
following which the first disbursement cheque you issued onÂ 13th july, 2011. It seems their
was some mistake on your part in entering the data in your system, you have informed me
that you are checking with the details at your end and will take few more days.. I would like
to draw your attention that the builder Â will charge the penalty on day to day basisâ€¦so
000045
kindly treat the matter on urgent basis.
ANNEXURE-19 (Colly)

Mr. Gaurav I Â request you to kindly look in the matter personally and do the needful at the
earliest.
‐‐‐
Very Truly Yours,
Neeraj Kumar Jha,
IPR Consultant||Advocate|| [LL.B (Hons.), LL.M IPR|| Agnihotri & Jha Associatesâ„ || A27, Ram Kutir,
Pushtikar Society, Jogeshwari (W), Mumbai 400102, India || Board Line: +91224270 3131 Multi Lines: +9122
4270 3100199||Fax: +912239167237|| Mobile: +9198199 67711|| Email: neeraj.jha@adjlegal.com ||URL:
http://www.adjlegal.com||BlackBerryÂ® PIN: 21839510 ||
This message and any attachment(s) contained here are information that is confidential, proprietary to M/s. Agnihotri & Jha
Associatesâ„ , (Advocates & Solicitors), Complete Corporate Legal Solution and its clients. Contents may be privileged or
otherwise protected by law. The information is solely intended for the individual or the entity it is addressed to. If you are not the
intended recipient of this message, you are not authorized to read, forward, print, retain, copy or disseminate this message or any
part of it. If you have received this e-mail in error, please notify the sender immediately by return e-mail and delete it from your
computer.
____________________________________________________________
___________________________________
Sent: Monday, January 09, 2012 4:33 PM
To: 'nilambari.sapate@icicibank.com'
Cc: 'debapriya Chakraborty /RCLG/IBANK/GKTP'
Subject: RE: Home Loan
Importance: High
Dear Nilambri,
I have sent you the Sanction Letter sent to us by Debapriya in which the Loan Amount is
written Rs. 4953048/‐ in which the insurance of Rs. 153048/‐ is included, therefore the total
000046
amount payable to the builder is (Rs. 4953048‐ 153048 = Rs. 48,00,000/‐); Pease see the
ANNEXURE-19 (Colly)
sanction letter which we have sent you with earlier mail.
‐‐‐
Very Truly Yours,
Neeraj Kumar Jha,
IPR Consultant||Advocate|| [LL.B (Hons.), LL.M IPR|| Agnihotri & Jha Associatesâ„ || A27, Ram Kutir,
http://www.adjlegal.com||BlackBerryÂ® PIN: 21839510 ||
Associatesâ„ , (Advocates & Solicitors), Complete Corporate Legal Solution and its clients. Contents may be privileged or
otherwise protected by law. The information is solely intended for the individual or the entity it is addressed to. If you are not the
intended recipient of this message, you are not authorized to read, forward, print, retain, copy or disseminate this message or any
part of it. If you have received this e-mail in error, please notify the sender immediately by return e-mail and delete it from your
computer.
____________________________________________________________
___________________________________
000047
ANNEXURE-19 (Colly)
RE: Home LoanURGENT ATTENTION
Neeraj Kumar Jha (IPR Attorney) <neeraj.jha@adjlegal.com> Mon, Jan 16, 2012 at 1:54 PM
Cc: gaurav.wig@icicibank.com, debapriya Chakraborty /RCLG/IBANK/GKTP
<debapriya.chakraborty@icicibank.com>, Rati Agnihotri <rati.agnihotri@adjlegal.com>
Then why the sanction letter .. Its clear cut breach of contract
Sent on my BlackBerry® from Vodafone
> attention that the sanction letter which we received was 12^th july,
> 11 at 8:32 pm following which the first disbursement cheque you issued
> onÂ 13^th july, 2011. It seems their was some mistake on your part in
> entering the data in your system, you have informed me that you are
> checking with the details at your end and will take few more days.. I
> would like to draw your attention that the builder Â will charge the
> penalty on day to day basisâEUR¦so kindly treat the matter on urgent
> basis.
>
>
>
> *Mr. Gaurav* I Â request you to kindly look in the matter personally
> and do the needful at the earliest.
>
>
>
>
>
> *Very Truly Yours,***
>
> *Neeraj Kumar Jha, *
>
> Brand Owner: *IP Power House*Â IPSensa* Lex Ortus*Â IPLepsy*
>
> IPR Consultant||Advocate|| [LL.B (Hons.), LL.M IPR|| Agnihotri & Jha
> Associatesâ" || A27, Ram Kutir, Pushtikar Society, Jogeshwari (W),
> Mumbai 400102, India || Board Line: +91224270 3131 Multi Lines:
> +91224270 3*100199*||Fax: +912239167237|| Mobile: +9198199
> 67711|| Email: neeraj.jha@adjlegal.com
> <mailto:neeraj.jha@adjlegal.com> ||URL: http://www.adjlegal.com
> <http://www.adjlegal.com/>||BlackBerryÂ® PIN:* **21839510 *||
>
> _CONFIDENTIAL ATTORNEYCLIENT PRIVILEGED COMMUNICATION_
>
> This message and any attachment(s) contained here are information that
> is confidential, proprietary to M/s. Agnihotri & Jha Associatesâ" ,
> (Advocates & Solicitors), /Complete Corporate Legal Solution/ and its
> clients. Contents may be privileged or otherwise protected by law. The
> information is solely intended for the individual or the entity it is
> addressed to. If you are not the intended recipient of this message,
> you are not authorized to read, forward, print, retain, copy or
> disseminate this message or any part of it. If you have received this
> email in error, please notify the sender immediately by return email
> and delete it from your computer.
>
> ____________________________________________________________
_______________________________________
>
000048
> cid:image002.jpg@01CC1ABA.F3857230 ANNEXURE-19 (Colly)
>
>
>
> *From:* Neeraj Jha [mailto:neeraj.jha@adjlegal.com]
> *Sent:* Monday, January 09, 2012 4:33 PM
> *To:* 'nilambari.sapate@icicibank.com'
> *Cc:* 'debapriya Chakraborty /RCLG/IBANK/GKTP'
> *Subject:* RE: Home Loan
> *Importance:* High
>
>
>
> Dear Nilambri,
>
>
>
> I have sent you the Sanction Letter sent to us by Debapriya in which
> the Loan Amount is written Rs. 4953048/ in which the insurance of Rs.
> 153048/ is included, therefore the total amount payable to the
> builder is (Rs. 4953048 153048 = Rs. 48,00,000/); Pease see the
> sanction letter which we have sent you with earlier mail.
>
>
>
>
>
> *Very Truly Yours,***
>
> *Neeraj Kumar Jha, *
>
> Brand Owner: *IP Power House* IPSensa* Lex Ortus* IPLepsy*
>
> +91224270 3*100199*||Fax: +912239167237|| Mobile: +9198199
> <http://www.adjlegal.com/>||BlackBerryÂ® PIN:* **21839510 *||
>
>
> (Advocates & Solicitors), /Complete Corporate Legal Solution/ and its
> clients. Contents may be privileged or otherwise protected by law. The
> information is solely intended for the individual or the entity it is
> addressed to. If you are not the intended recipient of this message,
> you are not authorized to read, forward, print, retain, copy or
> disseminate this message or any part of it. If you have received this
> email in error, please notify the sender immediately by return email
> and delete it from your computer.
>
> ____________________________________________________________
_____________________________________
>
> cid:image002.jpg@01CC1ABA.F3857230
>
>
>
> *From:* nilambari.sapate@icicibank.com
> [mailto:nilambari.sapate@icicibank.com]
> *Sent:* Monday, January 09, 2012 4:22 PM
> *To:* nilambari.sapate@icicibank.com; Neeraj Jha
000049
> *Cc:* debapriya Chakraborty /RCLG/IBANK/GKTP
ANNEXURE-19 (Colly)
> *Subject:* Re: Home Loan
>
>
>
>
> Your attachment, *RE_ Home Loan. mail dated 101111.pdf* (; 16.6kb)
> can be downloaded at the following URL:
> http://10.16.18.155/attachment/02/store/2012/01/09/13/20/25911/RE__Home_Loan._
mail_dated_10_11_11.pdfThe
> attachment will be available for only 14 days
>
>
>
>
>
> "Print this mail only if absolutely necessary. Save Paper. Save Trees."
>
> "This email message may contain confidential, proprietary or legally
> privileged information. It should not be used by anyone who is not the
> original intended recipient. If you have erroneously received this
> message, please delete it immediately and notify the sender. The
> recipient acknowledges that ICICI Bank or its subsidiaries and
> associated companies, (collectively "ICICI Group"), are unable to
> exercise control or ensure or guarantee the integrity of/over the
> contents of the information contained in email transmissions and
> further acknowledges that any views expressed in this message are
> those of the individual sender and no binding nature of the message
> shall be implied or assumed unless the sender does so expressly with
> due authority of ICICI Group. Before opening any attachments please
> check them for viruses and defects."
>
3/18/2015 Agnihotri & Jha Associates® Mail - RE:'ICICICARE=549-102' Product: Home Loan-Service Provider Related / Old Customer /neeraj.jha@adjlegal.com 80
000050
ANNEXURE-20
RE:'ICICICARE=549102' Product: Home LoanService Provider Related / Old
Customer /neeraj.jha@adjlegal.com
ICICI Bank Customer Care <customer.care@icicibank.com> Wed, Jan 18, 2012 at 2:50 PM
Dear Mr. Jha,

We appreciate your patience and co-operation.

We tried to contact you on the mobile number 09819967711 on dated January 18, 2012 at 2:15 p.m., however we
could not establish a contact.

We understand that our official Ms. Nilambari Sapate is already contacted your regarding your disbursement through
e-mail and phone, we have have released the disbursement cheque of Rs. 4,65000.00 to you and we have disbursed
the loan amount as per pro-rata funding, due to shortfall of your contribution builder demand was not full filled.

Further, for any queries and clarification request you to get in touch with Ms. Nilambari Sapate.

Looking forward for your co-operation.

Sincerely,

Imran Ali Khan
Customer Service Officer
ICICI Bank Limited

For Home Loan account details/ Amortization Schedule/ Income Tax Certificate, please visit our web site
www.icicibank.com and select Personal Banking >Loans> Home Loans Amortization Schedule & IT Certificate.

"If you receive an SMS from ICICI Bank with a Unique Reference Number or URN without you having added
a new payee in your account through internet banking, report to us immediately. Do not disclose the URN to
any stranger, even if the person claims to be our employee"
ICICI Bank awarded "House Of The Year (India)", by Asia Risk magazine, for the eighth time in a row since 2004.

CONFIDENTIALITY INFORMATION AND DISCLAIMER:

This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original
intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail
transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any
attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any
manner or to evade responsibility for any act of done with the endorsement of ICICI Bank.

3/18/2015 Agnihotri & Jha Associates® Mail - Fw: Dabapriya why you are not... 81
000051
ANNEXURE-21 (Colly)
Fw: Dabapriya why you are not...
Neeraj Kumar Jha (IPR Attorney) <neeraj.jha@adjlegal.com> Fri, Feb 3, 2012 at 5:29 PM
To: Rati Agnihotri <rati.agnihotri@adjlegal.com>
SMS
To: +919930062978
Sent: Feb 3, 2012 5:07 PM
Subject: Dabapriya why you are not...
Dabapriya why you are not responding to my calls wherein you are taking calls of others. Don't u think my
case is urgent..
3/18/2015 Agnihotri & Jha Associates® Mail - URGENT ATTENTION FOR DISBURSEMENT 82
000052
ANNEXURE-21 (Colly)
URGENT ATTENTION FOR DISBURSEMENT
Neeraj Jha <neeraj.jha@adjlegal.com> Fri, Feb 3, 2012 at 4:54 PM
To: nilambari.sapate@icicibank.com, debapriya Chakraborty /RCLG/IBANK/GKTP
Cc: rati.agnihotri@adjlegal.com
Dear Nilambri/ Debapriya,
I am writing to you in connection that you are fully aware of the demand letter of Lodha and the date of
disbursement was of 01/02/2012. I had intimated you about it on the same date when the demand letter we
received, but till date you have not got the papers collected, even in the meeting held at your office on 30th
Jan, 2012 I had bring with myself the original papers but you said that you will get it collected.
From morning I am trying to contact Debapriya, Nilambri and your representative Mr. Sikandar but nobody is
responding to my call.
I am really shocked to see your way of working…its really very disturbing. Just let me know by when you are
going to disburse the amount as the builder will be charging penalty to me for your faults.
---
Very Truly Yours,
Neeraj Kumar Jha
21839510 ||Skype: adjlegal||
(Solicitors & Attorneys) and its clients. Contents may be privileged or otherwise protected by law. The information is solely intended for the
individual or the entity it is addressed to. If you are not the intended recipient of this message, you are not authorized to read, forward, print, retain,
copy or disseminate this message or any part of it. If you have received this e-mail in error, please notify the sender immediately by return e-mail
and delete it from your computer.
__________________________________________________________________________________________
_____
3/18/2015 Agnihotri & Jha Associates® Mail - Disbursement of the amount for Anatartica-C 1501 Lodha Aqua 83
000053
ANNEXURE-22
Disbursement of the amount for AnatarticaC 1501 Lodha Aqua
Neeraj Jha <neeraj.jha@adjlegal.com> Tue, Feb 7, 2012 at 1:54 PM
Hi Nilambri /Debapriya,
This is to inform you that we had already done the formalities from our part and your department is taking
excess time to disburse the amount for the best reason known to you. Further to bring your attention that
today we received letter from the bulilder regarding the penalty charges letter dated 04.02.2012 that as of
today for the due amount of Rs. 32755200/ per day instrest @18% is being charged for the value of Rs.
483,00 per day. Till date you have delayed 3 days.
Would request you to comply with the needful at the earliest.
---
Very Truly Yours,
Neeraj Kumar Jha
__________________________________________________________________________________________
_____
3/18/2015 Agnihotri & Jha Associates® Mail - Disbursement Amount- Gross Negligence 84
000054
ANNEXURE-23 (Colly)
Disbursement Amount Gross Negligence
Neeraj Jha <neeraj.jha@adjlegal.com> Thu, Feb 9, 2012 at 3:18 PM
Hi Nilambri/ Debapriya,
This is to bring to your notice that with respect to Demand Letter dated 18/01/2012 for the amount of Rs.
524866.00 (Rupees Five Lakh Twenty Four Thousand Eight Hundred Sixty Six Only) wherein you had
instructed us to pay certain amount as per prorata basis and thereafter you will issue the remaining part. We
had complied by paying more i:e Rs. 2 ,00,000/ (Rupees Two Lakhs Only ) from my personal contribution for
which we have furnished you with the receipts and bank clearances.
As your person had delivered me the cheque of Rs. 524866.00 which actually had to be Rs. 324866/ . You
have taken enough time to do this exercise as usual, and therefore attracted penalty from the builder. I would
like to make clear since all the amount from my personal contribution had been paid and there is a series of
negligence and mistakes being done by your part….so any excess time required for your clearances if attracts
any penalty shall be solely borne by you… additionally we shall not be liable to pay you the interest part of the
excess amount disbursed.
I am still annoyed to see how negligently you people are working.
---
Very Truly Yours,
Neeraj Kumar Jha
3/18/2015 Agnihotri & Jha Associates® Mail - Stop of the Cheque 85
000055
ANNEXURE-23 (Colly)
Stop of the Cheque
Neeraj Jha <neeraj.jha@adjlegal.com> Thu, Feb 9, 2012 at 3:29 PM
Cc: gaurav.wig@icicibank.com, Mili Bolakani <MiliK.Bolakani@lodhagroup.com>, rati.agnihotri@adjlegal.com
Hi All,
As per the request from your representative Mr. Sikandar, he asked me to stop from delivering the cheque to
the builder as he will get fresh cheque prepared.
Accordingly I asked my representative to come back along with the cheque, it will be in my office in next
couple of hour.
Please look into the issue at your end.
---
Very Truly Yours,
Neeraj Kumar Jha
__________________________________________________________________________________________
_____
3/18/2015 Agnihotri & Jha Associates® Mail - Lodha Aqua Antartica C 1501 (Cheque) 86
000056
ANNEXURE-23 (Colly)
Lodha Aqua Antartica C 1501 (Cheque)
Mili Bolakani <MiliK.Bolakani@lodhagroup.com> Thu, Feb 9, 2012 at 3:35 PM
Cc: "gaurav.wig@icicibank.com" <gaurav.wig@icicibank.com>, "rati.agnihotri@adjlegal.com"
<rati.agnihotri@adjlegal.com>, debapriya Chakraborty /RCLG/IBANK/GKTP
<debapriya.chakraborty@icicibank.com>, "nilambari.sapate@icicibank.com" <nilambari.sapate@icicibank.com>
Dear Mr. Jha,
We understand that you want a fresh cheque from the bank with the correct figure but please note that as per
the process till the time we do not receive the cheque for the installment amount interest will accumulate on
the balance amount.
Thanks & Regards,

Care
tel +912267737341
Mob +919619715485
www.lodhagroup.com
Sent: Thursday, February 09, 2012 3:29 PM
To: nilambari.sapate@icicibank.com; 'debapriya Chakraborty /RCLG/IBANK/GKTP'
Cc: gaurav.wig@icicibank.com; Mili Bolakani; rati.agnihotri@adjlegal.com
Subject: Stop of the Cheque
Importance: High
Hi All,

3/18/2015 Agnihotri & Jha Associates® Mail - Lodha Aqua Antartica C 1501 (Cheque) 87
000057
As per the request from your representative Mr. Sikandar, he asked me to stop from delivering the cheque to
ANNEXURE-23 (Colly)
the builder as he will get fresh cheque prepared.
Accordingly I asked my representative to come back along with the cheque, it will be in my office in next
couple of hour.
---
Very Truly Yours,
Neeraj Kumar Jha
__________________________________________________________________________________________
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In providing this email or attachment/s, Lodha Group assumes that the recipient is
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000058
ANNEXURE-24 (Colly)
DEBAPRIYA CHAKRABORTY <debapriya.chakraborty@icicibank.com> Fri, Feb 10, 2012 at 2:38 PM
Cc: nilambari.sapate@icicibank.com, gaurav.wig@icicibank.com, Mili Bolakani
<MiliK.Bolakani@lodhagroup.com>, rati.agnihotri@adjlegal.com
Dear Mr.Neeraj,
The reprint of cheque will take 7 working days. If you are expecting the next demand to come within that,
request you to adjust the balance amount in the next demand.If your builder is agreed to this, please give him
the cheque so as to avoid the interest charged by the developer.
In case you want us to cancel the cheque, then please write back.
--
Regards,
ICICI Bank Ltd.
Mob: +91-9930062978
Neeraj Jha wrote:
Hi All,
As per the request from your representative Mr. Sikandar, he asked me to stop from delivering
the cheque to the builder as he will get fresh cheque prepared.
Accordingly I asked my representative to come back along with the cheque, it will be in my
office in next couple of hour.
---
Very Truly Yours,
Neeraj Kumar Jha
https://mail.google.com/mail/u/0/?ui=2&ik=f4fa6bd220&view=pt&q=in%3Asent%20after%3A%202012%2F02%2F09%20before%3A%202012%2F02%2F11… 2/8
000059
ANNEXURE-24
IPR Consultant||Advocate|| [LL.B (Hons.), & Jha Associatesâ„ || A27, Ram Kutir,
(Colly)
LL.M IPR|| Agnihotri
http://www.adjlegal.com||BlackBerryÂ® PIN: 21839510 ||Skype: adjlegal||
Associatesâ„ , (Solicitors &Â Attorneys) and its clients. Contents may be privileged or otherwise protected by law. The
information is solely intended for the individual or the entity it is addressed to. If you are not the intended recipient of this
message, you are not authorized to read, forward, print, retain, copy or disseminate this message or any part of it. If you have
received this e-mail in error, please notify the sender immediately by return e-mail and delete it from your computer.
____________________________________________________________
___________________________________
<MiliK.Bolakani@lodhagroup.com>, Rati Agnihotri <rati.agnihotri@adjlegal.com>
Hi Debapriya,
Thanks for your mail as instructed by you.. I'll send the cheque to the builder however I had made clear with
my earlier mails too.. that in no circumstance I shall be paying either penalty for the late disbursement nor the
interest portion on the excess amount till the actual demand raised by the builder.
Regards,
Neeraj Jha
> **
>
> *Very Truly Yours,*
>
> * *
>
> *Neeraj Kumar Jha *
> 000060
ANNEXURE-24 (Colly)
> +91224270 3*100199*||Fax: +912239167237|| Mobile: +9198199
> <http://www.adjlegal.com/>||BlackBerryÂ® PIN:* **21839510 *||Skype:
> adjlegal||
>
>
> (Solicitors &Â Attorneys) and its clients. Contents may be privileged
> or otherwise protected by law. The information is solely intended for
> the individual or the entity it is addressed to. If you are not the
> intended recipient of this message, you are not authorized to read,
> forward, print, retain, copy or disseminate this message or any part
> of it. If you have received this email in error, please notify the
> sender immediately by return email and delete it from your computer.
>
> ____________________________________________________________
_______________________________________
>
> cid:image002.jpg@01CC1ABA.F3857230
>
>
>
>
>

Dear Mr.Neeraj,
Request you to consider my mail as "suggestion" instead of "instruction". Decision is entirely yours. However,
the bank will charge interest on the disbursed amount.

Regards,
Branch Sales Manager Mortgages
ICICI Bank Ltd.
Mob: +919930062978
Neeraj Kumar Jha (IPR Attorney) wrote:
Hi Debapriya,
Thanks for your mail as instructed by you.. I'll send the cheque to the builder however I had made clear with
my earlier mails too.. that in no circumstance I shall be paying either penalty for the late disbursement nor
the interest portion on the excess amount till the actual demand raised by the builder.
Regards,
Neeraj Jha
000061
ANNEXURE-24 (Colly)
Sent on my BlackBerryŽ from Vodafone
Original Message
From: DEBAPRIYA CHAKRABORTY <debapriya.chakraborty@icicibank.com>
Sender: debapriya.chakraborty@icicibank.com
Date: Fri, 10 Feb 2012 14:38:26 To: <neeraj.jha@adjlegal.com>
Replyto: debapriya.chakraborty@icicibank.com
Cc: <nilambari.sapate@icicibank.com>; <gaurav.wig@icicibank.com>; 'Mili
Bolakani'<MiliK.Bolakani@lodhagroup.com>; <rati.agnihotri@adjlegal.com>
Subject: Re: Stop of the Cheque
Dear Mr.Neeraj,
The reprint of cheque will take 7 working days. If you are expecting the next demand to come within that,
request you to adjust the balance amount in the next demand.If your builder is agreed to this, please give
him the cheque so as to avoid the interest charged by the developer.
In case you want us to cancel the cheque, then please write back.

Dear Debapriya,
I hope you understand the complexity of the issues very well, as I had made my points very clear to you, this
is your turn to decide whether you will be paying builders penalty or waive off the interest, the decision is
entirely yours.
I don't need your suggestions I need proper instruction from your side.
Regards,
Neeraj
Original Message
From: DEBAPRIYA CHAKRABORTY <debapriya.chakraborty@ICICIBANK.COM>
Sender: debapriya.chakraborty@ICICIBANK.COM
Date: Fri, 10 Feb 2012 15:11:17
To: <neeraj.jha@adjlegal.com>
Replyto: debapriya.chakraborty@ICICIBANK.COM
Cc: <nilambari.sapate@ICICIBANK.COM>; <gaurav.wig@ICICIBANK.COM>; 'Mili Bolakani'<MiliK.Bolakani@
lodhagroup.com>; Rati Agnihotri<rati.agnihotri@adjlegal.com>
Dear Mr.Neeraj,
Request you to consider my mail as "suggestion" instead of
"instruction". Decision is entirely yours. However, the bank will charge
interest on the disbursed amount.

Regards,
000062
Branch Sales Manager Mortgages ANNEXURE-24 (Colly)
ICICI Bank Ltd.
Mob: +919930062978
> Hi Debapriya,
>
> Thanks for your mail as instructed by you.. I'll send the cheque to the builder however I had made clear with
my earlier mails too.. that in no circumstance I shall be paying either penalty for the late disbursement nor the
interest portion on the excess amount till the actual demand raised by the builder.
>
> Regards,
> Neeraj Jha
>
>
> Sent on my BlackBerry® from Vodafone
Dear Mr.Neeraj,
Bank will not be paying the penalty charges or waive any interest charge. With all the terms and conditions
informed to you, if you want to cancel the cheque, please provide it to Sikander Mujjawar(9004870007) or
else provide it to your builder.

Regards,
ICICI Bank Ltd.
Mob: +919930062978
Dear Debapriya,
I hope you understand the complexity of the issues very well, as I had made my points very clear to you,
this is your turn to decide whether you will be paying builders penalty or waive off the interest, the decision
is entirely yours.
Regards,
Neeraj
Original Message
Cc: <nilambari.sapate@ICICIBANK.COM>; <gaurav.wig@ICICIBANK.COM>; 'Mili
Bolakani'<MiliK.Bolakani@lodhagroup.com>; Rati Agnihotri<rati.agnihotri@adjlegal.com>
Dear Mr.Neeraj,
000063
Request you to consider my mail as "suggestion" instead of "instruction". Decision is entirely yours.
ANNEXURE-24 (Colly)
However, the bank will charge interest on the disbursed amount.

Hi Debapriya,
Its being a continuous mental harassment, criminal breach of trust, breach of contract and gross negligence
and deficiency in your services, even knowing that the applicant Mrs. Rati Agnihotri Jha is 8.5 months
pregnant you are taking advantage of situation and taking arbitrary decisions.
I request you to rethink on the matter and take reasonable decision as we consider ICICI is a reputed banker
in India, you also know the fact that at the time of choosing your bank for our loan purpose we had sanction
letters from various others banks too.
Regards,
Neeraj
Original Message
From: DEBAPRIYA CHAKRABORTY <debapriya.chakraborty@icicibank.com>
Sender: debapriya.chakraborty@icicibank.com
Date: Fri, 10 Feb 2012 15:27:50
To: <neeraj.jha@adjlegal.com>
Replyto: debapriya.chakraborty@icicibank.com
Cc: <nilambari.sapate@icicibank.com>; <gaurav.wig@icicibank.com>; 'Mili Bolakani'<MiliK.Bolakani@
lodhagroup.com>; Rati Agnihotri<rati.agnihotri@adjlegal.com>
Dear Mr.Neeraj,
Bank will not be paying the penalty charges or waive any interest
charge. With all the terms and conditions informed to you, if you want
to cancel the cheque, please provide it to Sikander Mujjawar(9004870007)
or else provide it to your builder.

Regards,
ICICI Bank Ltd.
Mob: +919930062978
> Dear Debapriya,
>
> I hope you understand the complexity of the issues very well, as I had made my points very clear to you,
this is your turn to decide whether you will be paying builders penalty or waive off the interest, the decision is
entirely yours.
>
> I don't need your suggestions I need proper instruction from your side.
>
> Regards,
000064
> Neeraj ANNEXURE-24 (Colly)
> Sent on my BlackBerry® from Vodafone
Neeraj Jha <neeraj.jha@adjlegal.com> Mon, Feb 13, 2012 at 11:36 AM
Dear All,
Seeing no other alternatives and options I had been bound to give the cheque
of excess amount to the builder today along with separate cheque of penalty.
Informing you all for your kind information.
Regards,
Neeraj Jha
Original Message
From: debapriya.chakraborty@icicibank.com
[mailto:debapriya.chakraborty@icicibank.com]
Sent: Friday, February 10, 2012 3:28 PM
Cc: nilambari.sapate@icicibank.com; gaurav.wig@icicibank.com; 'Mili
Bolakani'; Rati Agnihotri
Dear Mr.Neeraj,

Regards,
ICICI Bank Ltd.
Mob: +919930062978
> Dear Debapriya,
>
> I hope you understand the complexity of the issues very well, as I had
made my points very clear to you, this is your turn to decide whether you
will be paying builders penalty or waive off the interest, the decision is
entirely yours.
>
>
> Regards,
> Neeraj
> Sent on my BlackBerryR from Vodafone
000065
ANNEXURE-25
Stop of the Cheque
Neeraj Jha <neeraj.jha@adjlegal.com> Mon, Feb 13, 2012 at 11:36 AM
Dear All,
Seeing no other alternatives and options I had been bound to give the cheque
of excess amount to the builder today along with separate cheque of penalty.
Informing you all for your kind information.
Regards,
Neeraj Jha
Original Message
From: debapriya.chakraborty@icicibank.com
[mailto:debapriya.chakraborty@icicibank.com]
Sent: Friday, February 10, 2012 3:28 PM
Cc: nilambari.sapate@icicibank.com; gaurav.wig@icicibank.com; 'Mili
Bolakani'; Rati Agnihotri
Dear Mr.Neeraj,

Regards,
ICICI Bank Ltd.
Mob: +919930062978
> Dear Debapriya,
>
> I hope you understand the complexity of the issues very well, as I had
made my points very clear to you, this is your turn to decide whether you
will be paying builders penalty or waive off the interest, the decision is
entirely yours.
>
>
> Regards,
> Neeraj
> Sent on my BlackBerryR from Vodafone
000066
ANNEXURE-25
Stop of the Cheque
Dear Mr.Neeraj,
Bank will not be paying the penalty charges or waive any interest charge. With all the terms and conditions
informed to you, if you want to cancel the cheque, please provide it to Sikander Mujjawar(9004870007) or
else provide it to your builder.

Regards,
ICICI Bank Ltd.
Mob: +919930062978
Dear Debapriya,
I hope you understand the complexity of the issues very well, as I had made my points very clear to you,
this is your turn to decide whether you will be paying builders penalty or waive off the interest, the decision
is entirely yours.
Regards,
Neeraj
Original Message
Cc: <nilambari.sapate@ICICIBANK.COM>; <gaurav.wig@ICICIBANK.COM>; 'Mili
Bolakani'<MiliK.Bolakani@lodhagroup.com>; Rati Agnihotri<rati.agnihotri@adjlegal.com>
Dear Mr.Neeraj,
Request you to consider my mail as "suggestion" instead of "instruction". Decision is entirely yours.
However, the bank will charge interest on the disbursed amount.

https://mail.google.com/mail/u/0/?ui=2&ik=f4fa6bd220&view=pt&q=after%3A%202012%2F02%2F09%20before%3A%202012%2F02%2F11&qs=true&searc… 1/1
3/20/2015 Agnihotri & Jha Associates® Mail - Lodha Aqua Antratica C 1501 (Request letter for Refund)) 97
000067
ANNEXURE-26 (Colly)
Lodha Aqua Antratica C 1501 (Request letter for Refund))
Mili Bolakani <MiliK.Bolakani@lodhagroup.com> Wed, Feb 15, 2012 at 4:32 PM
Dear Mr. Jha,
As discussed we have taken necessary approvals from the management and they have agreed to refund the
excess amount of Rs. 1,97,314/ to your bank.
Request you to kindly inform your bank to send across a request letter regarding the same so that we can
initiate the process of refund.
Thanks & Regards,

Care
tel +912267737341
Mob +919619715485
www.lodhagroup.com
sender.
3/20/2015 Agnihotri & Jha Associates® Mail - Fw: Lodha Aqua Antratica C 1501 (Request letter for Refund)) 98
000068
ANNEXURE-26 (Colly)
Fw: Lodha Aqua Antratica C 1501 (Request letter for Refund))
Neeraj Kumar Jha (IPR Attorney) <neeraj.jha@adjlegal.com> Wed, Feb 15, 2012 at 4:53 PM
FYI
From: "Neeraj Kumar Jha (IPR Attorney)" <neeraj.jha@adjlegal.com>
Date: Wed, 15 Feb 2012 11:20:32 +0000
To: <gaurav.wig@icicibank.com>; <nilambri.sapate@icicibank.com>; <dabapriya.chakraborty@
icicibank.com>
Cc: Rati Agnihotri<rati.agnihotri@adjlegal.com>
Subject: Fw: Lodha Aqua Antratica C 1501 (Request letter for Refund))
Hi Gaurav,
As discussed with you that on my request the builder is ready to payback the excess amount released by you.
Sending you the trailing builders mail for your peruse.
Please release the letter as asked by my builder to claim back the excess amount which you released by your
mistake.
Do the needful and acknowledge me with your actions.
Regards,
Neeraj
From: Mili Bolakani <MiliK.Bolakani@lodhagroup.com>
Date: Wed, 15 Feb 2012 16:32:07 +0530
To: neeraj.jha@adjlegal.com<neeraj.jha@adjlegal.com>
Subject: Lodha Aqua Antratica C 1501 (Request letter for Refund))
Dear Mr. Jha,
As discussed we have taken necessary approvals from the management and they have agreed to refund the
excess amount of Rs. 1,97,314/ to your bank.
Request you to kindly inform your bank to send across a request letter regarding the same so that we can
initiate the process of refund.
3/20/2015 Agnihotri & Jha Associates® Mail - Fw: Hi sikandar as known to you the... 99
000069
ANNEXURE-27
Fw: Hi sikandar as known to you the...
2 messages
Neeraj Kumar Jha (IPR Attorney) <neeraj.jha@adjlegal.com> Tue, Mar 6, 2012 at 6:36 PM
To: "Mr. Kaushal Shukla" <corplegal@adjlegal.com>
SMS sent to Sikandar from ICICI bank
SMS
To: +918291111322
Sent: Mar 5, 2012 7:11 PM
Subject: Hi sikandar as known to you the...
Hi sikandar as known to you the amount is required to be paid to the builder on 7th march, 2012 and I have
received no feedback from your bank side
Neeraj Kumar Jha (IPR Attorney) <neeraj.jha@adjlegal.com> Tue, Mar 6, 2012 at 6:38 PM
The same SMS sent to the mobile of Dabapriya
SMS
To: +919930062978
Sent: Mar 5, 2012 7:13 PM
Subject: Hi sikandar as known to you the...
Hi sikandar as known to you the amount is required to be paid to the builder on 7th march, 2012 and I have
received no feedback from your bank side. Rgds. Neeraj Jha
3/20/2015 Agnihotri & Jha Associates® Mail - Fw: Hi gaurav I didn't understand why... 100
000070
ANNEXURE-28 (Colly)
Fw: Hi gaurav I didn't understand why...
Neeraj Kumar Jha (IPR Attorney) <neeraj.jha@adjlegal.com> Wed, Mar 7, 2012 at 5:06 PM
To: "Mr. Kaushal Shukla" <corplegal@adjlegal.com>, Advocate Neeraj Jha <neeraj.jha@adjlegal.com>
SMS
To: +919930062801
Sent: Mar 7, 2012 5:00 PM
Subject: Hi gaurav I didn't understand why...
Hi gaurav I didn't understand why the demand letter and receipts which you have collected from me to
disburse the amount has been returned back to me
3/20/2015 Agnihotri & Jha Associates® Mail - Fw: Those documents would be required... 101
000071
ANNEXURE-28 (Colly)
Fw: Those documents would be required...
Neeraj Kumar Jha (IPR Attorney) <neeraj.jha@adjlegal.com> Wed, Mar 7, 2012 at 5:06 PM
To: "Mr. Kaushal Shukla" <corplegal@adjlegal.com>, Advocate Neeraj Jha <neeraj.jha@adjlegal.com>
SMS
To: +919930062801
Sent: Mar 7, 2012 5:01 PM
Subject: Those documents would be required...
Those documents would be required by you to disburse the amount
3/20/2015 Agnihotri & Jha Associates® Mail - Fw: Could you please give the contact... 102
000072
ANNEXURE-28 (Colly)
Fw: Could you please give the contact...
Neeraj Kumar Jha (IPR Attorney) <neeraj.jha@adjlegal.com> Fri, Mar 9, 2012 at 5:39 PM
SMS
To: +919930062801
Sent: Mar 7, 2012 5:22 PM
Subject: Could you please give the contact...
Could you please give the contact number of your superiors... As I think you are too busy to take care of my
case
3/20/2015 Agnihotri & Jha Associates® Mail - Fw: Even don't understand why you are... 103
000073
ANNEXURE-28 (Colly)
Fw: Even don't understand why you are...
Neeraj Kumar Jha (IPR Attorney) <neeraj.jha@adjlegal.com> Fri, Mar 9, 2012 at 5:39 PM
SMS
To: +919930062801
Sent: Mar 7, 2012 5:05 PM
Subject: Even don't understand why you are...
Even don't understand why you are not taking my call if you people are so much busy you should not have
asked me to become your consumer
104
000074 ANNEXURE-29 (Colly)
3/20/2015 Agnihotri & Jha Associates® Mail - Lodha Aqua Antartica C 1501 (Interest Letter) 105
000075
ANNEXURE-30 (Colly)
Lodha Aqua Antartica C 1501 (Interest Letter)
Neeraj Jha <neeraj.jha@adjlegal.com> Thu, Mar 15, 2012 at 5:47 PM
To: Mili Bolakani <mili.bolakan@lodhagroup.com>
Hi Mili,
Would require your favor—could you please give me the details preferably in excel sheet of the payments
done yet
1. By the ICICI Bank (Loan Facilitator) with chq no., date and amount.
2. Through my personal contributions with cheque nos dates and amount.
3. Penalty paid till date due to late payments with cheque no and date.
Would appreciate if you kindly provide the abovementioned details at the earliest
---
Very Truly Yours,
Neeraj Kumar Jha
__________________________________________________________________________________________
_____
3/20/2015 Agnihotri & Jha Associates® Mail - Lodha Aqua Antartica C 1501 (Interest Letter) 106
000076
ANNEXURE-30 (Colly)
Lodha Aqua Antartica C 1501 (Interest Letter)
Mili Bolakani <mili.bolakan@lodhagroup.com> Thu, Mar 15, 2012 at 11:28 AM
Dear Mr. Jha,
Please find attached herewith copy of interest letter that has been couriered at your correspondence address.
Please make an immediate payment for the balance due to avoid any further interest penalty in your account.
Thanks & Regards,

Care
tel +912267737341
Mob +919619715485
www.lodhagroup.com
107
000077
ANNEXURE-30 (Colly)
3/20/2015 Agnihotri & Jha Associates® Mail - Lodha Aqua Antartica C 1501 (Payment history) 108
000078
ANNEXURE-31
Lodha Aqua Antartica C 1501 (Payment history)
Mili Bolakani <mili.bolakan@lodhagroup.com> Fri, Mar 16, 2012 at 3:41 PM
Dear Mr. Jha,
We donot have any separate data available with the bifurcation of payments made bt you and the bank but howver we have
the below data available with us.
Request you to kindly go through the same :
Neeraj Kumar Jha (Lodha Aqua Antartica C 1501)
Cheque
Date Receipt No Stage Cheque No Date Amount
14.04.2011 1400000398 Earnest money 921286 14.10.2010 54,000.00
14.04.2011 1400000398 Within 15 days from booking date 151669 15.11.2010 598,939.00
23.02.2012 1400010508 Slab 12 0000022778000022 08.02.2012 197,314.00
26.07.2011 1700003618 At the time of agreement 512337 22.07.2011 76,711.00
26.07.2011 1700003621 Footing 925965 13.07.2011 659,534.00
26.07.2011 1700003622 Plinth 925965 13.07.2011 632,177.00
26.07.2011 1700003629 Plinth 512337 22.07.2011 3,219.00
14.09.2011 1700004988 Plinth 926140 18.08.2011 24,138.00
14.09.2011 1700004990 Slab 2 926140 18.08.2011 604,330.00
14.10.2011 1700006010 Slab 4 926467 14.10.2011 714,405.00
000079 1700006012
14.10.2011 Brick Work 926467 14.10.2011 329,767.00
ANNEXURE-31
28.11.2011 1700006760 Slab 6 979635 21.11.2011 80,000.00
28.11.2011 1700006761 Slab 6 753579 28.11.2011 80,000.00
05.12.2011 1700006947 Slab 6 699674 02.12.2011 169,767.00
05.01.2012 1700007720 Slab 8 926991 31.12.2011 329,767.00
05.01.2012 1700007722 Plaster 926991 31.12.2011 134,668.00
01.02.2012 1700008205 Plaster 753580 31.01.2012 195,099.00
01.02.2012 1700008206 Slab 10 753580 31.01.2012 2,215.00
14.02.2012 1700008342 Slab 10 927296 08.02.2012 327,552.00

* Total 6,109,021.00
Further, the total amount that we have received till date towards interest is Rs. 32,267/.
Thanks & Regards,
Mili Bolakani Executive|Customer Care
Lodha Excelus, N.M.Joshi Marg, Mahalaxmi, Mumbai
400011
tel +912267737341
www.lodhagroup.com
Sent: Thursday, March 15, 2012 5:47 PM
To: Mili Bolakani
Subject: RE: Lodha Aqua Antartica C 1501 (Interest Letter)
Importance: High
Hi Mili,

000080
Would require your favor—could you please give me the details preferably in excel sheet of the payments done yet
ANNEXURE-31

1. By the ICICI Bank (Loan Facilitator) with chq no., date and amount.
2. Through my personal contributions with cheque nos dates and amount.
3. Penalty paid till date due to late payments with cheque no and date.
Would appreciate if you kindly provide the abovementioned details at the earliest
---
Very Truly Yours,
Neeraj Kumar Jha
IPR Consultant||Advocate|| [LL.B (Hons.), LL.M IPR|| Agnihotri & Jha Associates℠|| A27, Ram Kutir, Pushtikar Society, Jogeshwari (W), Mumbai
400102, India || Board Line: +91224270 3131 Multi Lines: +91224270 3100199||Fax: +912239167237|| Mobile: +9198199 67711|| Email:
neeraj.jha@adjlegal.com ||URL: http://www.adjlegal.com||BlackBerry® PIN: 21839510 ||Skype: adjlegal||
This message and any attachment(s) contained here are information that is confidential, proprietary to M/s. Agnihotri & Jha Associates℠, (Solicitors & Attorneys) and its
clients. Contents may be privileged or otherwise protected by law. The information is solely intended for the individual or the entity it is addressed to. If you are not the
intended recipient of this message, you are not authorized to read, forward, print, retain, copy or disseminate this message or any part of it. If you have received this e-mail
in error, please notify the sender immediately by return e-mail and delete it from your computer.
_______________________________________________________________________________________________
From: Mili Bolakani [mailto:mili.bolakan@lodhagroup.com]
Sent: Thursday, March 15, 2012 11:29 AM
Subject: Lodha Aqua Antartica C 1501 (Interest Letter)
Dear Mr. Jha,
Please find attached herewith copy of interest letter that has been couriered at your correspondence address.
000081
Please make an immediate payment for the balance due to avoid any further interest penalty in your account.
ANNEXURE-31

Thanks & Regards,
Mili Bolakani Executive|Customer Care
Lodha Excelus, N.M.Joshi Marg, Mahalaxmi, Mumbai
400011
tel +912267737341
Mob +919619715485
www.lodhagroup.com
"The contents of this e-mail and any attachment(s) may be confidential and privileged and are
intended for the named recipient(s) only and access by anyone else is unauthorized. No representation
as to the accuracy or completeness of this email is made by the sender or any entity forming part of
the Lodha group ("Lodha Group"). If you are the erroneous or unintended recipient, please delete the
same and notify the sender.
In providing this email or attachment/s, Lodha Group assumes that the recipient is capable of
evaluating the merits and risks of any transaction described in it and Lodha Group is neither making
any recommendation, nor acting as the adviser of or assuming any duty of care to the recipient.
Virus Warning: Electronic messages cannot be guaranteed to be secure, timely or error-free. Lodha
Group does not accept responsibility for any loss or damage arising from the use of this email or
attachment(s)."
112
000082 ANNEXURE-32
3/20/2015 Agnihotri & Jha Associates® Mail - ICICI -Letter 113
000083
ANNEXURE-33 (Colly)
ICICI Letter
Neeraj Jha <neeraj.jha@adjlegal.com> Thu, Apr 5, 2012 at 3:03 PM
To: nilambari.sapate@icicibank.com, debapriya.chakraborty@icicibank.com, gaurav.wig@icicibank.com
Cc: Mili Bolakani <MiliK.Bolakani@lodhagroup.com>, customersupport@icicilombard.com
Dear All,
Had tried to inform you all telephonically but nobody answered the call.
I had sent you a letter towards Deficiency in services; arbitrary decisions cause harassment to the consumers
for own’s benefit; and misrepresentations in sales and gross negligence with regard to Home Loan vide
account no. LBMUM00001867601 towards Flat No. 1501, 15th Floor, Antartica –C; Building‐09, Lodha
Aqua, Village‐Mahajanwadi, Dahisar (E), Mumbai.
Had shared the file through wetransfer.com kindly download the same for your official record.
The hard copy of the same is sent to your good office through Regd. AD Post.
The scanned soft copy sent to you is in good faith, for your kind information and official record.
Kindly acknowledge the receipt of the mail.
---
Very Truly Yours,
Neeraj Kumar Jha
3/20/2015 Agnihotri & Jha Associates® Mail - Thanks for using WeTransfer - file sent to debapriya.chakraborty@icicibank.com (and 7 others) 114
000084
ANNEXURE-33 (Colly)
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debapriya.chakraborty@icicibank.com (and 7 others)
WeTransfer <noreply@wetransfer.com> Thu, Apr 5, 2012 at 12:45 PM
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Hi,
Please download the letter served to
ICICI Bank Ltd. towards Deficiency
in services; arbitrary decisions cause
harassment to the consumers for
own’s benefit; and
misrepresentations in sales and
gross negligence with regard to
Home Loan vide account no.
LBMUM00001867601 towards Flat
No. 1501, 15th Floor, Antartica –C;
Building09, Lodha Aqua, Village
Mahajanwadi, Dahisar (E), Mumbai .
The same is for your official record,
the hard copy of the letter is sent to
your good office through Regd. AD
Post.
Very Truly Yours,
Neeraj Kumar Jha
3/20/2015 Agnihotri & Jha Associates® Mail - Thanks for using WeTransfer - file sent to debapriya.chakraborty@icicibank.com (and 7 others) 115
000085
ANNEXURE-33 (Colly)
Recipient(s):
debapriya.chakraborty@icicibank....
nilambari.sapate@icicibank.com
gaurav.wig@icicibank.com
MiliK.Bolakani@lodhagroup.com
abhishek.karanjgaonkar@icicibank...
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corplegal@adjlegal.com
ICICI DOCUMENTS.pdf (50MB)
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116
000086 ANNEXURE- 34
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14 / 10 / 2 0 10 h a v e b o o ke d t h e a bo v e m e ntio n ed pr o pe r t y De si r o u s o f
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4 8 52 l a k h s
2 In o r a ro u n d A p r i l , 20 1 1 y o u r re p r e se nta t iv e Mr A m a r G a n ga v a n e t s a t e s Ex e c u t i w :
Co d e 16 9 7 3 9 ; M o bi l e No Mo b: + 9 1 9 32 4 30 7 89 4 ) a ppr o a c he d us an d
Fr a n c h i s e e :
l di b n ke i n p r i v a t e ba n k i n g se c t o r Ba s e d on
p r e s e n t e d t ha t y o u r b a n k i s t he e a n g a
re r
u si n g lo a n
hi s re p r e se n t a t i o n an d a ssu r a n c e s a bo u t su p e r i o r a n d c o n s u m e r f r i e n d ly h o
f a c i li t i e s b y y o u ba n k c o n v in c e d to av ail ho m e l o a n f a c i li t y f r o m
se rv ic e s / r w e w e re
sa n c t io n Ae r t e r d a t e d 0 4 / 0 5 / 2 0 1 1 f o r an a- t of
y o u r b a n k Ac c o r d i n gly , w e go t t h e
N e e r a j K u m a r Jh a
Ra t i A g n i h o t r ì J h a
(A p p l i c a n t ) (Co A p p l ic a n t )
120
000090 ANNEXURE- 34
4 8 0 0 00 0 - Fo r t y Ei li h t L a M b W ) t u w u td s hor n e n f a c i lit y a- t w iü 1
in t - ba s e of 8 ?% ( An ne x - 1)
3 FU r l h « r i n rJ ( a r o u n d J u w , Z0 \ t Th e a 1o r e s a i d Mr Am ar Ga n s a v a n e - us
a nd i n t r o du ce d o n e Mr Bh a v e dh . a s a t e s e x e c u t iw from K IC I L o m b a n j AU Am ar
Ga n * a v a m Fu r t h e r p e r s t 1a d e d us to s et a Ho m e Sa f e n us - Mi n d Pt i qr w ith
n es p e c t t o t h e SU b k t pr o p e r t y w hic h w o u td a t t r a c t a dd i t i o n a t Rs 1 . 53 , 0 48 1 0 \ e r a n d
11b o v e t he Lo a n FF c i l i t y a nlo u n t On Mr An w r Ga n sa .
'
s & A Bh a \ s
re pr e se n t a t io n . pe r su a s io n a n d i n s is t e n c e .
W e a sr e ed t o a v a i t t h e iC i a L o mba r
In s u r a n c e Po l i c y to s a f e gu a r d our fu t u re in - t - ia t e d \* it h h om e to be
p u r c h a se d b y us
4 Su b s e q ue n t ly , on be i n g t et ent cal l y in f- by t o ur o f fic er r e ga r d i n g the
i n c re a s e i n ba n k i n t e r e st on t h e to a n am oun t f f o m 8 75 % t o 10 3S% 1 r e q _ fo r the
fin a l c opy o f t he sa n c t i o n te t t e r re f l e c t i n g t he sa m e Af t e r re pm t e d - a co py of
s a n c t fm t e t t e r d a t e d 1 Z / 0 7 / 20 1 1w as e m a i le d to us on 1 Z 10 7 120 1 1 a t 8 : 45 pm
t h r o u g h of f i ci al m a il o f De b a p r i y a Ch a k r - y (Br a n c h Sa l e s Ab n ase r A- ) \0 : ::
Em a i l : d e b a p r i y a c h k r a b o r t y tg i c i c i t ra n k c o m w h ic h s t a t e d t h a t t he t u t a t t o a n - on
;ç : . . c ;;
am oun t is o f Rs 4 9 . 53 04 8 / w hic h a ls o i n e tu de s t e a - id H _ Sa f e Pl u s
In s u r a n c e am o u n t o f Rs 1 . 5 3 M l (A n n e x u r » 1A )
5 On 08 / 0 6 1 Z0 1 1 .
w g w ¬¢ in r ec e i pt o f De m and l e t t e r d a t e d 14 104 12 0 11 1o r an
am oun t o f Rs 1 , 6 3 1 . 6 6 4 0 0 f r o m t h e 6 u i td e r O n 22 / 0 7 / 20 11 t h e f i r s t d i _ t 0
l o a n a m o u n t (f o r an am ou n t o f Rs 1 4 , 4 0 , 000 1 ) w as ha n d e d 0\e r to us by w ay o í
Che q u e b e a r in g n o 9 259 6 5 d a t e d 1 3 / 0 7 120 1 1 In t e r e s t on t he n r st - t w z s
d ëd u c t e d b y ECS f r o m our accoun t a n d a d m i t t e d lv i n te r e st w s c a tc u t a t e d fm m Me
1 3 / 0 7 / 20 1 t W he n w e c o n fro n t ed t he ó a n k as to w h y t he i n t e r e s t h a s b e e n - B
f ro m t he da t e o f Ch e q u e it se lf I e T3 / 0 7 / 2 0 1 1 , t he c ust- r c a re d ep a - t
re p li e d , b u t t he sa m e w a s v a gu e a n d n o t a t a t\ c o n v inc in g f o r t he o b v io u s r e e - as
h a s be e n d a t e d a nd s u b se q u e n t t y i ss u e d t o us pr i o r t o t he a c tu al
w h y t he c h e q u e
f t e c h n i c a l d u e d i l i ge n c e Adm it t ed l y he a v y ad m +n i s t r a t ine c h a rges

com p le t i o n o
a nd a l \ t h e do c u m e n t s du t y ha n de d ove r t o t h e Sa n k
a Ar e a d y be e n p a i d b y us w ere
m uc h p r io r t o t he actua t di s bu r s e m en t T h e c o p y o f o u r c o m p l a i n t t o t h e b an k a n d t h e
i d f r o m t he b a n k i n t h i s re g a r d i s a n n e x e d he r e t o as (- - 2)
re p ly rece ve
t he ba n k s t a r t e d t o t e n d t ha t t he lo a n a m oun t s a n c t i o n ed wi t
6 Fu r t h e r ,
con
i f Ho m e I n s u r a n c e a m o t n t w h k h i s i n
t o t h e s u b j e c t p r o p e r t y i s Rs 4 8 t a c s i n c t u s v e o
fi na l t io n Le t t e r d a t e d 1 2 / 0 7 / 2 0 1 1 i s n re d to us W e ha d
c o n t r a dic t i o n t o t he sa n c
l t i m e s t r ie d t o e x plai n t he sa m e t o t h e ba n k b o t h i n w r i t i n g Te Be p h o n i c a l t y
.
as
se v e r a
bu t t he b a n k f a i le d t o a pp r e d a te the sa m e an d c o n t i n u ed t o i n s is t
w e lt as i n pe r so n ,
i t ho u t a ss i g n i n r ea so n (- m 3)
t he i r c o n t e n t i o n w g an y
t ha t r e c e iv e d f i n a l Sa n c t i o n Le t t e r fro m t he Ba n k d a t e d
7 It i s p o i n t e d ou t w e
f Rs 4 9 , 53 , 04 8 / ( Ru p e e s Fo r t y N i n e La cs Fi f t y T h r e e
1Z / 0 7 / 2 0 1 1 f o r an am oun t o
F r o m t h e s a i d Fi n a l Sa n c t i o n t e t t e r Th e fn t l o w i n g m ay be
T h o u s a n d F o r t y Ei gh t O n l y )
no ted:
Ne e r a j - r Jh a
Ra t i A g n i h o t r l J h a
(c - nt )
(A p p li c a n t )
121
000091 ANNEXURE- 34
I Lo a n am o un t s a n c t i o n e d t o w a r d s t h e s u b j e c t p r o pe r t y :
Rs 4 8 , 0 0 . 00 0 /
ii Ho m e In s u r a n c e am ount : Rs 1 , 53 0 4 8 /
8 1t i s p e r t i n e t t o n o t e t h a t t h e t o t a l c o n s i de r a t i o n t o w a rd s th e s u bj e c t
n
pro pe r ty i s
Rs 6 9 , 0 1 3 4 4 / he r e a s t h e t o t a l f p r o p e r t y i s Rs 7 3 , 2 8 4 6 4 / e x c lu din
,
w c o st o g Se r v i c e
Tax and MVAT and i n c l u di n g t he sa m e it w ou td am oun t to Rs 75 , 9 1 4 0 9 / The
b r e a ku p o f a m o u n ts i n v o lv e d i n r e spe c t o f t he su bj e c t p r o p e r t y i s as un de r :
Co s t o f Pr o p e r t y T o t a l Co n si d e r a t i o n - St a m p D u t y · Re g i s t r a t i o n Ch a r g e s
Rs 6 9 0 1 3 4-4 · Rs 3 , 9 7 120 · Rs 30 000
Lo a n A m o u n t sa n c t io n e d b y B a n k . Rs 4 8 00 , 00 0 /
Ou r contr ibu t i o n T o t a l Co n s i d e ra tio n Rg l 8 0 0 00 0 / R5 Rs 2 10 1 34 4 / + St a m p

Du t y + Re g i s t r a t i o n Ch a r g e s ]
The t o t a l am oun t t o w a r d s Co s t o f Pr o p e r t y (C o p ) e x c lu d i n g Se rv ic e Tax M VA T an d

p e n a lt y ; p a i d by us t i lt d a t e Rs 2 4 6 1 , 4 4 3 /
[ Rs 2 0 , 34 . 3 2 3 + Rs 3 , 9 7 120 / (St a m p d u t y ) · Rs 3 0 . 000 / ( Re g i s t r a t i o n C h a r g e s )]
T h u s t h e b a l a n c e c o n t r i b u t i o n t o be p a i d on our p a r t i s Rs 6 7 , 0 2 1 / on .y
W he re as ,
t o t a l a m o u n t p a i d b y Ba n k R5 4 1 , 02 , 27 4 /
Ba t a n c e p a y a b l e b y b a n k t o w a r ds to a n di sb u r s e m ent
[ 4 8 00 0 0 0 ,
Rs 4 1 0 2 2 7 Rs 6 9 7 7 2 6 / ]
Ou t o f t he T o t a l c ost o f pr o pe r t y w e hav e a l r e a dy pa id a ppr o x im ate l y 97 % o f t he

am oun t pa y a b le by t o w a r ds o u r o w n c o n t r i b o n a n d t h e r e m a i n i n w itt b e
us
g pa id by
us on t he ta s t de m an d te t t e r w hi c h w i t l be r a i se d b y t h e b u i ld e r o n t he da t e o f
po s se s si o n Fo r y o u r c o n v e n ie n c e a ll t he c o m m e r c ia t de t a i ls re ga r d i n g t h e p r o p e r t y
h a d be e n c te a r ly m e n t i o n e d i n t he f o l l o w i n g A n n e x u re f o r yo u r pe r u sa l
(a ) C o s t o f t h e P r o p e r t y (A n nex ure 12)
(b ) Pa y m en t Sc h e d u l e as pe r Agr e e m en t (A n nexu re 13 )
(c ) Pe r s o n a l C o n t r i b u t i o n t ill da t e (A n n ex u re 14 )
( d ) i CI CI B a n k s c on t r i bu t i o n t i l l d a t e (A n ne x u re 15)
Pe n a l t y p a i d t i l t d a t e (A n n e x u re 16 )
9 On 09 / 0 1 1 20 12 - r c la ri fi e d t ha t p d t Tt y a n d re
w e st a m gi st r a t i o n - t ax as
p a i d by u s w a s no t c o r f i d e r e d by y o u r b a n k a n d o u r - n ding c o n t r i b u t i o n r ed u c e d
b y Rs 4 2 7 120 / (Ru p e e s Fo u r L a c s Tw en t y Se v e n - n d O n e H Ln d r e d T w ent y

On ly) Fu r t h e r ex plain e d th a t t ion a m o u n t Rs 4 9 5 3 0 48 /
sa n c w as ( Rs 4 8 0 0 0 00 +
r s 1 . 53 0 48 ) i n acc or da n c e it h s a n c t io n te t t iv ed fro m
w er rece you r go o d o f f ic e it
- t h a t a s o n d a t e y o u r go o d o f f i c e i s n o t a r e e t o t h e i r o w n t _
g & con dit io n s
Ra i l l q n i h o t r i Jh a
N e e r a j K t 1m a r Jh a
(A p p Bic a n t } (- li c a n t )
122
000092 ANNEXURE- 34
123
000093 ANNEXURE- 34
for ke f r ow n
a ia f l d e In t e n t i o n t o ha c u st o m e r sa o
d p c l s lo n a lo n ¢ w ith m r a ss
nn a rK t a l be n e f i t (A n n · l ure 7)
l l I nf or med t o y o u r b a n k 1n dv t h a t t he m a i n a p p lic a n t l l no t Bn a
1) ,
We h a v e w e a ance
t r s s b e c a u s e t he \ l e l l h t a n d ha l f
p m l t i o n t o f a c e o r be n t a n y k i n d o f u n n e c e ss a r y s e
t ï 10 n t h g p r e l n a n t , a n d t h e o f f Bc l a \ s f r o m y o u r b a n
' k ha d t a k e n u n d u e a d v a n t a e o f t hi s
h har as sment s hi c h l e a d t o h c r s e r io u s
! lt u a t io n an d ha s no t spa r e d h e r f r om su c w
he a l t h p r o b l e m s (A n n e x u r· a)
d l e t t e r f o r t he am oun t o l Rs 1 , 32 , 4 5 3 /
14 , O n 0 9 / 0 1 / 2 0 12 w e r e c e iv e d t he de m an
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000094 ANNEXURE- 34
m a ke u p f o r t he m ist a ke s , d e la y a n d n e 1 l l ge n c e on t he pa r t o f t he ba n k and tt s
em plo ye e s
Yo u a r e e x p e c t e d t o t a ke u p 1T 1y gr ie v a n c e s v e r y se r i o u s l y a n d e x p e d it e t o a d d r e ss t he
sa m e a s so o n a s Po s s i bl e Yo u a r e r e q u e st e d to c la ri f y t he po si t io n an d rev e rt ba c k t o
m e w i t hi n 7 d a y s f r o m t he d a t e o f r e c e i pt o f t hi s l e t t e r W e r e se r v e o u r Hgh t t o se e k
re d r e ss a t o f our gr i e v a n c e s f r o m a ppro p ri a t e c o u r t o f ta w
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M a h a r a s h t r a 4 00 0 6 4 M a h a r a s h t r a 4 0 d 0 64
M o b i l e N o : + 9 1 9 8 19 9 577 1 1 M o b l t e N o : + 9 1 9 8 19 9677 11
e m a i l : r a t i a gn i h o t r l ® a d j l e ga l co m e m a l l : n e e r a j j ha ® a d j le ga l c o m
Bo a r d Li n e : + 9 1 2 2 4 27 0 3 13 1 Bo a r d L I n e : + 9 1 22 4 2 7 0 3 1 31
Ex t n : 10 1 Ex t n : 11 1
Fa x : + 9 1 2 2 3 9 16 7 23 7 Fa x : + 9 1 2 2 39 1 6 237
En c l o su r e s: As m e n t io n e d a bo v e
Ca r b o Uc o p y to : 1 Br a n c h Ma n a ge r (I CICI Ba n k Gh a t k o p a r B r a n c h )
2 Br a n c h M a n a g e r , I C I C I L o m b a r d
3 Co w t o w n L a n d De v e l o p m ent Pv t Lt d I L O DH A
Ra t l A g n l h o t r l Jh a N e e r a j Ku m ar Jh a
(A p p l i c a n t ) (Co A p p li c a n t )
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000107 ANNEXURE- 34
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f lo m : n e e r a j j h a [n e e r a j j h a @a d j le g a l c o m l
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Lt d Re c e i p t a t t a c h e d f o r y o u r r e c o r d e s 1 0 2 0 1 1 ]
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000109 ANNEXURE- 34
A N N EX U RE 3
As di s cu s se d t he t ot a l l o an a mo u n t ï s Rs 4 8 e e o e e ( I t i nc l u de s 0n s u r an ce 0 Rl 1 5 30 4 8
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155
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A N N EX U RE 8
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A N N EX U RE 8 156
000126 ANNEXURE- 34
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000128 ANNEXURE- 34
A N N EX U R E 9
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000129 ANNEXURE- 34
A N N EX U R E 9
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000130 ANNEXURE- 34
9: ¢ R . EX U E
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000133 ANNEXURE- 34 A N N EX U RE ? A
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000134 ANNEXURE- 34
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000138 ANNEXURE- 34 A N N EX U RE ? B
Fw : H l s lk a n d a r as kn o w n to yo u t he 1 e =
N1 e m j «u m a r Jh1 II P R A t t o rn r y} Mar 6 h
te K as s hn l
SM S s e nt to S l k a n d a r f r o m IC 1C I b a r k
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S u b j1 c t ; H i 1 i k * n d 1 r a 1 k n o w n \ o y o u t h¢
Hl s ika n da r a s k n o w n t o y o u t h e a m ou nt ó r e qu ir e d l 0 b e p a d t o t h e b u il d e r on Tt h m a rc h 2 0 12 an d 1ha v e rec o pd n o fe e d b a c k * 0m yo ur ba k

s id e R e d a N e e r l j Jh a
169
000139 ANNEXURE- 34 A N N EX U RE 1 0
W JH
Z
ro m : d e b a p r iy a c h a k r a bo rt y l c i c i b a n k c o m o n b e h a l f o f D E B A P R IYA C H A K R A B O RTY
[d e b a p y
r i a c h a k r a b o r t y ic ic i b a n k c o m l
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ro : n e e ra j j h a @a d j l e g a l c o m
: n ila mb a r i s a p a t e i c i c ib a n k c o m ; g a u r a v w ig ic i c ib a n k c o m ; b n j h a © n t p c e o c co In ;
c :
c o r p l e g a l @a d j l e g a l c o m : r a t i a g n ih o t r i
Su b j e c t : R e : P h o t o g r a p h f o r t h e d e m a n d le t t e r
De ar M r Ne e raj
Gr e e t i n g s !
Th a n k yo u f o r p r o v id in g t he d o c u m e n ts Ki n d l y no t e t h e f o llo w i n g :
Am oy n t to b p a i d b y t h e a D p l i c a n t : R s 1 88 6 1 3
m o unt o b e p m1 L n k : Rs 2 7 3 60 7
Ki n d ly p r o v i d e a n a p p o i n t m e n t f o r co l le c t i n g t h e re q u ir e d d o cu m ents in o r ig i n a l f r o m yo u
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T h is i s w it h c o n t i n u a t io n o f o u r ho m e lo a n p e n d i n g d i s b u r s e m ent fr o m yo u r g o o d o f f ic e
d in le lo t t o t he b u i l d e r ( Lo d h a ) o n t im e w h ic h
t o s a y t ha t t ill d a t e y o u r b a n k ha s n o t d is b u r s e a n y s g
a n am o u n
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170
000140 ANNEXURE- 34 N N E XU R E 10
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171
000141 ANNEXURE- 34 A N N EX U E 1 1
: L O D H A
:
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12 1 9 18 1/ 1N U R 00 3 0 0 1 5 0 1 M 0 D a te : 0 3 0 4 2 0 1 2
N EE R A J K U M A R J H A
A 2 7 RA M K U T I R P U S H T IK A R S O C
J OG E SH W A R I w
M U M BA I 40 0 10 2
9 8 1 9 96 7 7 1 1
S u b : D e l a y i n p a y m e n t d u e R e s i d e n t i a l U n it N o 1 50 1 i n t h e b u i ld i n g A N T A R T IC A c in t h e
p r o j e c t L O D H A A Q U A a t D A H I S A R (E )
D e a r S i r /M a d a m
T h is is w i t h r e f e r e nce to y o u r a p p l i c a t i o n d a t e d 17 10 2 0 10 f o r a ll o t m e nt o f a re s id e n c e i n
A N T A R T IC A c
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T o 2 2 1 I L 2, 4 07 00 r 4 64 , 6 27 00
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p e r d a y o f d e l a y o n t h e o v e r d u e p a y m e n t t i ll t h e r e c e i p t o f t h e s a m e
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a d d t h e s a m e w h e n m a ki n g t h e p a y m e n t
S h o u ld y o u n ee d an y c l a r if i c a t i o n p le a s e fe e l f r e e t o ca il o n 6 7 7 3 7 3 7 3 E x t n : 7 34 1
In o r d e r to av o id a c c r u a l o f in t e r e s t in yo u r a c c o u n t req u e s t yo u t o m a k e t i m e ly p a y m e n t s i n t h e
f u t u r e P le ase ig n o r e t h e a b o v e if a Tr e a d y p a i d o n o r b e f o r e d u e d a te
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172
000142 ANNEXURE- 34
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3/20/2015 Agnihotri & Jha Associates® Mail - LODHA( Interest Notice ) 179
000149
ANNEXURE-35 (Colly)
LODHA( Interest Notice )
Punam| ADJ Legal™ <office@adjlegal.com> Tue, Apr 17, 2012 at 4:08 PM
To: nilambari.sapate@icicibank.com, debapriya.chakraborty@icicibank.com, gaurav.wig@icicibank.com,
customersupport@icicilombard.com, abhishek.karanjgaonkar@icicibank.com
Cc: neeraj.jha@adjlegal.com, MiliK.Bolakani@lodhagroup.com
Dear Sir/Madam,
Greetings from Agnihotri & Jha Associates!
Please find the attached copy of the interest letter which we received from the Lodha Builders towards the
Residential Unit No. 1501 in the ANTARTICAC at Lodha LODHA AQUA, DAHISAR [E] for your kind pursue
and record.
Kindly see it with reference to the complaint letter ( Dated – 11/04/2012 ) for the application
Number – 7778549803 for Home Loan Vide A/C No. LBMUM00001867601.
For on Behalf of
Neeraj Kumar Jha and Rati Agnihotri

Very Truly Yours,
Punam,
FDExecutive|| Agnihotri & Jha Associates℠|| A27, Ram Kutir, Pushtikar Society, Jogeshwari (W), Mumbai 400102, India ||
Board Line: +91224270 3131 Multi Lines: +91224270 3100199||Fax: +912239167237||Email:office@adjlegal.com ||URL:
http://www.adjlegal.com||
180
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182
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ANNEXURE-39
Fw: Hi Adv Jha,
Neeraj Kumar Jha (IPR Attorney) <neeraj.jha@adjlegal.com> Fri, Jun 22, 2012 at 5:11 PM
To: mili.bolakan@lodhagroup.com
Original Message
From: "Neeraj Kumar Jha (IPR Attorney)" <neeraj.jha@adjlegal.com>
Date: Fri, 22 Jun 2012 11:39:09
To: <mili.bolkan@lodhagroup.com>; Mr. Kaushal Shukla<corplegal@adjlegal.com>
Subject: Fw: Hi Adv Jha,
SMS
From: +919821833547
Received: Jun 15, 2012 2:10 PM
Subject: Hi Adv Jha,
Hi Adv Jha,
Good afternOon. Got your reference from Dibyendu regarding your home loan with ICICI Bank. Request you
to suggest a good time to talk so that I could understand the same and be on the same page to resolve the
issue, if any.
Rgds
Tushar Hebalkar
Regional Head Mortgages
ICICI Bank
185
000155 ANNEXURE-40
186
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3/20/2015 Agnihotri & Jha Associates® Mail - Fw: Lodha AQua Antartica D 1501 (Interest Notice) 187
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ANNEXURE-42 (Colly)
Fw: Lodha AQua Antartica D 1501 (Interest Notice)
Neeraj Kumar Jha (IPR Attorney) <neeraj.jha@adjlegal.com> Thu, Jul 19, 2012 at 6:57 PM
To: tushar.hebalkar@icicibank.com
Hi Tushar,
As discussed forwarding you the mail received from builder. Further as discussed you informed me that you
are going to settle the issue by tuesday I:e 24/07/2012.
Thanks,
Neeraj Jha
From: Mili Bolakani <mili.bolakan@lodhagroup.com>
Date: Thu, 19 Jul 2012 16:23:52 +0530
Subject: Lodha AQua Antartica D 1501 (Interest Notice)
Dear Mr. Jha,
Please find attached copy of Interest notice for your persual.
The same has been couriered at your correspondence address.
Regards,
Mili Bolakani | relationship manager | customer care
Lodha Excelus, Apollo Mills Compound, N M Joshi Marg, Mahalaxmi, Mumbai
400011
Tel+91.22.23024400 Ext:7341
Direct Line+91 22 6773 7341 www.lodhagroup.com
“T o e n s u r e q u i c k e r r e s p o n s e t o y o u r e m a i l s , a l w a y s m e n t i o n y o u r f l a t d e t a i l s i n
the subject.
Please note that the hand phone number has been disconnected. All queries may
be routed through email or the board line number“
3/20/2015 Agnihotri & Jha Associates® Mail - Lodha AQua Antartica D 1501 (Interest Notice) 188
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ANNEXURE-42 (Colly)
Lodha AQua Antartica D 1501 (Interest Notice)
Mili Bolakani <mili.bolakan@lodhagroup.com> Thu, Jul 19, 2012 at 4:23 PM
Dear Mr. Jha,
Please find attached copy of Interest notice for your persual.
The same has been couriered at your correspondence address.
Regards,
400011
Tel+91.22.23024400 Ext:7341
the subject.
sender.
capable of evaluating the merits and risks of any transaction described in it and Lodha
Group is neither making any recommendation, nor acting as the adviser of or assuming
any duty of care to the recipient.
Virus Warning: Electronic messages cannot be guaranteed to be secure, timely or error-

189
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190
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Lodha Aqua Antartica C 1501 : Interest Letter
Mili Bolakani <mili.bolakan@lodhagroup.com> Tue, Aug 7, 2012 at 10:43 AM
Dear Mr. Jha,
Please find attached copy of interest letter for your persual.
We tried reaching you yesterday but unable to get though your no. request you to kindly get in touch with us
at the earliest as we need the contact details of your banker.
Regards,
400011
Tel+91.22.23024400 Ext:7341
the subject.
sender.
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Neeraj Kumar Jha (IPR Attorney) <neeraj.jha@adjlegal.com> Tue, Aug 7, 2012 at 11:28 AM
To: Mili Bolakani <mili.bolakan@lodhagroup.com>
Hi Mili,
Sorry couldn't able to take up your call..as was in conference. The banker called me up and told me that
within this week he is going to resolve the issue.
Please find below the contact detail of the concerned person from bank side and also insist him to resolve the
issue at the earliest.
Name: Tushar Hebalkar
Designation: Regional Head Mortgages
Tel Dir: +91226525 5080
Mob: +91 98218 33547
Email: tushar.hebalkar@icicibank.com
Regards,
Neeraj Jha
Date: Tue, 7 Aug 2012 10:43:48 +0530
Subject: Lodha Aqua Antartica C 1501 : Interest Letter
000164
ANNEXURE-43 (Colly)
Neeraj Jha <neeraj.jha@adjlegal.com> Tue, Aug 7, 2012 at 11:36 AM
Cc: mili.bolakan@lodharoup.com, rati.agnihotri@adjlegal.com
Dear Mr. Tushar,
As discussed telephonically and after our meeting at my office ..you informed me to address and resolve the
issue of my home loan by this week only, but have not received any feedback yet from your side. i think it is
going to be more than month when we met and had discussion ….but I am not able to understand why you
are taking so much time.
please find below the trailing mail from the builder for your peruse.
I had given your contact details to Ms. Mili Bolkani from Lodha Group.
Regards,
Neeraj Jha
Begin forwarded message:

Subject: Lodha Aqua Antartica C 1501 : Interest Letter
Date: 7 August 2012 10:43:48 AM GMT+05:30
hpsc13267.pdf
97K
195
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ANNEXURE-45
Tushar Hebalkar <tushar.hebalkar@icicihfc.com> Wed, Aug 29, 2012 at 12:51 PM
ReplyTo: tushar.hebalkar@icicihfc.com
Cc: mili.bolakan@lodharoup.com, rati.agnihotri@adjlegal.com
Dear Adv. Jha,

As discussed yesterday, request you to kindly share the scanned copy of the latest demand letter as issued
by Lodha. I will call you once I receive the same.

Kindly oblige.

Tushar Hebalkar
M - +91-9821833547
Sent: Tuesday, August 07, 2012 2:37 PM
To: tushar.hebalkar@icicihfc.com
Cc: mili.bolakan@lodharoup.com; rati.agnihotri@adjlegal.com
Subject: Fwd: Lodha Aqua Antartica C 1501 : Interest Letter
198
199
200
201
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Lodha Aqua Antartica C 1501 (PreTermination letter)
Mili Bolakani <mili.bolakani@lodhagroup.com> Mon, Oct 1, 2012 at 7:10 PM
Dear Mr. Jha,
Please find attached copy of PreTermination letter for your persual.
The same has been couriered at your correspondence address last week.
Request you to kindly make the payments as early as possible.
Thanks & Regards
Lodha Excelus, Apollo Mills Compound, N M Joshi Marg, Mahalaxmi, Mumbai 400011
Tel+91.22.23024400 Ext:7341
"To ensure quicker response to your emails, always mention your flat details in the subject.
Please note that the hand phone number has been disconnected. All queries may be routed through email or
the board line number"
2 attachments
C:\DOCUME~1\Scanner\LOCALS~1\Temp\HpScan\hpsc14932.pdf
105K
C:\DOCUME~1\Scanner\LOCALS~1\Temp\HpScan\hpsc149321.pdf
89K
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ANNEXURE- 48
Neeraj Jha <neeraj.jha@adjlegal.com> Wed, Oct 3, 2012 at 2:57 PM
Cc: Mili Bolakani <mili.bolakani@lodhagroup.com>, Rati | ADJLEGAL ™ <rati.agnihotri@adjlegal.com>
Hi Mr. Tushar,
Its really being too long from your side to short out the issues each time you come to my office and give me
the assurance to pay up the remaining amount to the builder and every time with one reason or other it doesn
not get short out, even we haven't received any feedback on the complaint letter.
I can not afford further with this kind of dialogues as I get very much pressurized with the ongoing situation.. I
tried to keep cordial relation with your bank based on your assurances made during several meetings.
Neither myself nor my builder is clear about the status of payment.
In such circumstances I am seeing no other alternative than to seek strict legal recourse from the competent
court of law.
I would like to get the formalities of the loan transfer procedure to be accomplished from other banker. I will let
you know the same shortly.
Regards,
Neeraj Jha
000174
ANNEXURE- 49
Neeraj Jha <neeraj.jha@adjlegal.com> Wed, Oct 10, 2012 at 3:38 PM
To: Mili Bolakani <mili.bolakani@lodhagroup.com>
Cc: Rati Agnihotri <rati.agnihotri@adjlegal.com>, tushar.hebalkar@icicibank.com
Dear Ms. Mili Bolakani,
We are in receipt of your letter… As informed you earlier that I was in discussion with the representative of
ICICI Bank with related to the complaint letter sent to them for the deficiency of the service on banks part, the
copy of which is also been marked to you.
As per the discussions which is going for last 4 months top short out the issue by the bank's representative
Mr. Tushar Hebalkar, I was waiting to get the same resolved at the earliest so that we all parties shall have
cordial relationship, but our discussion always ends up with the assurance to get the issues rectified within 34
days and it prolongs unjustifiably. Recently we have decided to take stringent legal action against the ICICI
Bank, and also instructed our bank to stop EMI being deducted from our personal account till further
instructions.
For the clarity of the same I have also marked this mail to Mr. Tushar Hebalkar (ICICI Bank)
Further we have decided to pay up the remainder current demand from my personal funding at the earliest
not exceeding 2 months.
I would appreciate if you to kindly cooperate for the same.
Very Truly Yours,
Neeraj Jha | ADVOCATE & CONSULTANT| Bar Regn: UP9104/02|
Board Line: +91224270 3131 | Extn: 101
Multi Lines: +9122 4270 3 100 199
Fax: +91223916 7237
Email: neeraj.jha@adjlegal.com
Central Mail: info@adjlegal.com
Corporate Address
This message and any attachment(s) contained here are information that is confidential, proprietary to M/s. Agnihotri & Jha Associates℠or ADJ Legal,
(Advocates & Solicitors), and its clients. Contents may be privileged or otherwise protected by law. The information is solely intended for the individual or the
entity it is addressed to. If you are not the intended recipient of this message, you are not authorized to read, forward, print, retain, copy or disseminate this
message or any part of it. If you have received this email in error, please notify the sender immediately by return email and delete it from your computer.

Contact me: neeraj.jha@adjlegal.com adjlegal 21839510
Latest post: our services http://www.adjlegal.com/services.php
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000175 ANNEXURE- 50
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Neeraj Jha <neeraj.jha@adjlegal.com> Fri, Nov 9, 2012 at 3:13 PM
To: Mili Bolakani <mili.bolakani@lodhagroup.com>
hi mili as discussed i have arranged for Rs. 3 lakhs till date so kindly send some person to collect the same
rest of the amount will get arrange with end of this month.
Board Line: +91224270 3131 | Extn: 101
Multi Lines: +9122 4270 3 100 199
Fax: +91223916 7237
Corporate Address

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On 01Oct2012, at 7:10 PM, Mili Bolakani wrote:
<C:\DOCUME~1\Scanner\LOCALS~1\Temp\HpScan\hpsc14932.pdf>
3/20/2015 Agnihotri & Jha Associates® Mail - Payment Reminder 207
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Payment Reminder
Divyang S. Parmar <Divyang.Parmar@lodhagroup.com> Fri, Feb 8, 2013 at 6:03 PM
Dear Mr. Jha,

Greetings from Lodha!

With reference to your telephonic conversation today with Pragati Mehra, please find
below the info on the amount due on your account as of 08th Feb 2013. Also would
request you to make the payment of the same as soon as possible.

Payment Due Towards CV: Rs 462220
Payment Due Towards Interest (Till 08022013) : Rs 71767
Service Tax Due: Rs 162988
Total: Rs 696975

Also would want to bring to your notice that any further delay in the payment would incur
interest of Rs 228 per day.

In case you have any queries feel free to revert.

Regards,
Divyang S. Parmar |
Relationship Manager |
Customer Care|
Lodha Excelus,Level 2,Apollo
Mills Compound,N M Joshi
Marg,Mahalaxmi,Mumbai
400011 Direct Line
+91.22.67737341 ●
BoardLine+91.22.67737373
Ext:7341
www.lodhagroup.com
208
3/20/2015 Agnihotri & Jha Associates® Mail - Non- conformity of your decision on Home Loan 209
Non conformity of your decision on Home Loan
Neeraj Jha <neeraj.jha@adjlegal.com> Mon, Mar 18, 2013 at 5:05 PM
Cc: Rati Agnihotri <rati.agnihotri@adjlegal.com>, divyang.parmar@lodhagroup.com
Hi Mr. Tushar,
Hope you are doing fine, I am writing to you this mail as I did not find any out come of the meetings held in
order to resolve the issue of Home Loan till date, For last five moths you used to give short date 7 days from
the date of our meeting to resolve the issue.
For your further information I have attached hereby the letter I received from Lodha for your peruse, the
consequences of which ICICI shall be solely responsible. This is my last attempt to ask you for your revert
within 7 days of the receipt of this mail.
Hope you are well aware of the complexity of the issue
Very Truly Yours,
Board Line: +91224270 3131 | Extn: 101
Multi Lines: +9122 4270 3 100 199
Fax: +91223916 7237
Corporate Address


LODHA AQUA...pdf
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Last & Final Reminder from Lodha
Neeraj Jha <neeraj.jha@adjlegal.com> Sat, Mar 30, 2013 at 2:29 PM
Cc: divyang.parmar@lodhagroup.com
Dear Mr. Tushar,
This is final reminder to you also to redress the issues by tuesday 2nd april, 2013 as on 3rd april, 2013 we are
moving both to consumer redressal forum and ombudsman against ICICI Bank. That you please note well.
Regards,
Board Line: +91224270 3131 | Extn: 101
Multi Lines: +9122 4270 3 100 199
Fax: +91223916 7237
Corporate Address

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LODHA BILDERS.pdf
1381K
3/20/2015 Agnihotri & Jha Associates® Mail - LETTER 214
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ANNEXURE-56
LETTER
ADJ Legal ® <office@adjlegal.com> Sat, Apr 6, 2013 at 2:34 PM
To: divyang.parmar@lodhagroup.com
Cc: "tushar.hebalkar@icicibank.com \"Rati | ADJLEGAL ™\"" <rati.agnihotri@adjlegal.com>, Neeraj Jha <neeraj.jha@adjlegal.com>
Hi All Concern,
Kindly find attached the scanned version of Letter for your official record and perusal.
The same has been sent through registered A.D. Post and Courier.
Regards
Deepika Bohra
|Legal Executive|
Board Line: +91224270 3131
Multi Lines: +9122 4270 3 100 199
Fax: +91223916 7237
Email: legal@adjlegal.com
Corporate Address
This message and any attachment(s) contained here are information that is confidential, proprietary to M/s. Agnihotri & Jha Associates® or ADJ Legal, (Solicitors & Attorneys), and its
clients. Contents may be privileged or otherwise protected by law. The information is solely intended for the individual or the entity it is addressed to. If you are not the intended recipient of
this message, you are not authorized to read, forward, print, retain, copy or disseminate this message or any part of it. If you have received this email in error, please notify the sender
immediately by return email and delete it from your computer.
Designed with WiseStamp Get yours
Lodha Scan File.pdf
1612K
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3 FU r l h « r i n rJ ( a r o u n d J u w , Z0 \ t Th e a 1o r e s a i d Mr Am ar Ga n s a v a n e - us
a nd i n t r o du ce d o n e Mr Bh a v e dh . a s a t e s e x e c u t iw from K IC I L o m b a n j AU Am ar
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a Ar e a d y be e n p a i d b y us w ere
m uc h p r io r t o t he actua t di s bu r s e m en t T h e c o p y o f o u r c o m p l a i n t t o t h e b an k a n d t h e
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fi na l t io n Le t t e r d a t e d 1 2 / 0 7 / 2 0 1 1 i s n re d to us W e ha d
c o n t r a dic t i o n t o t he sa n c
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7 It i s p o i n t e d ou t w e
f Rs 4 9 , 53 , 04 8 / ( Ru p e e s Fo r t y N i n e La cs Fi f t y T h r e e
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246
000216 ANNEXURE-58
I Lo a n am o un t s a n c t i o n e d t o w a r d s t h e s u b j e c t p r o pe r t y :
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ii Ho m e In s u r a n c e am ount : Rs 1 , 53 0 4 8 /
8 1t i s p e r t i n e t t o n o t e t h a t t h e t o t a l c o n s i de r a t i o n t o w a rd s th e s u bj e c t
n
pro pe r ty i s
Rs 6 9 , 0 1 3 4 4 / he r e a s t h e t o t a l f p r o p e r t y i s Rs 7 3 , 2 8 4 6 4 / e x c lu din
,
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b r e a ku p o f a m o u n ts i n v o lv e d i n r e spe c t o f t he su bj e c t p r o p e r t y i s as un de r :
Co s t o f Pr o p e r t y T o t a l Co n si d e r a t i o n - St a m p D u t y · Re g i s t r a t i o n Ch a r g e s
Rs 6 9 0 1 3 4-4 · Rs 3 , 9 7 120 · Rs 30 000
Lo a n A m o u n t sa n c t io n e d b y B a n k . Rs 4 8 00 , 00 0 /
Ou r contr ibu t i o n T o t a l Co n s i d e ra tio n Rg l 8 0 0 00 0 / R5 Rs 2 10 1 34 4 / + St a m p

Du t y + Re g i s t r a t i o n Ch a r g e s ]
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p e n a lt y ; p a i d by us t i lt d a t e Rs 2 4 6 1 , 4 4 3 /
[ Rs 2 0 , 34 . 3 2 3 + Rs 3 , 9 7 120 / (St a m p d u t y ) · Rs 3 0 . 000 / ( Re g i s t r a t i o n C h a r g e s )]
T h u s t h e b a l a n c e c o n t r i b u t i o n t o be p a i d on our p a r t i s Rs 6 7 , 0 2 1 / on .y
W he re as ,
t o t a l a m o u n t p a i d b y Ba n k R5 4 1 , 02 , 27 4 /
Ba t a n c e p a y a b l e b y b a n k t o w a r ds to a n di sb u r s e m ent
[ 4 8 00 0 0 0 ,
Rs 4 1 0 2 2 7 Rs 6 9 7 7 2 6 / ]
Ou t o f t he T o t a l c ost o f pr o pe r t y w e hav e a l r e a dy pa id a ppr o x im ate l y 97 % o f t he

am oun t pa y a b le by t o w a r ds o u r o w n c o n t r i b o n a n d t h e r e m a i n i n w itt b e
us
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us on t he ta s t de m an d te t t e r w hi c h w i t l be r a i se d b y t h e b u i ld e r o n t he da t e o f
po s se s si o n Fo r y o u r c o n v e n ie n c e a ll t he c o m m e r c ia t de t a i ls re ga r d i n g t h e p r o p e r t y
h a d be e n c te a r ly m e n t i o n e d i n t he f o l l o w i n g A n n e x u re f o r yo u r pe r u sa l
(a ) C o s t o f t h e P r o p e r t y (A n nex ure 12)
(b ) Pa y m en t Sc h e d u l e as pe r Agr e e m en t (A n nexu re 13 )
(c ) Pe r s o n a l C o n t r i b u t i o n t ill da t e (A n n ex u re 14 )
( d ) i CI CI B a n k s c on t r i bu t i o n t i l l d a t e (A n ne x u re 15)
Pe n a l t y p a i d t i l t d a t e (A n n e x u re 16 )
9 On 09 / 0 1 1 20 12 - r c la ri fi e d t ha t p d t Tt y a n d re
w e st a m gi st r a t i o n - t ax as
p a i d by u s w a s no t c o r f i d e r e d by y o u r b a n k a n d o u r - n ding c o n t r i b u t i o n r ed u c e d
b y Rs 4 2 7 120 / (Ru p e e s Fo u r L a c s Tw en t y Se v e n - n d O n e H Ln d r e d T w ent y

On ly) Fu r t h e r ex plain e d th a t t ion a m o u n t Rs 4 9 5 3 0 48 /
sa n c w as ( Rs 4 8 0 0 0 00 +
r s 1 . 53 0 48 ) i n acc or da n c e it h s a n c t io n te t t iv ed fro m
w er rece you r go o d o f f ic e it
- t h a t a s o n d a t e y o u r go o d o f f i c e i s n o t a r e e t o t h e i r o w n t _
g & con dit io n s
Ra i l l q n i h o t r i Jh a
N e e r a j K t 1m a r Jh a
(A p p Bic a n t } (- li c a n t )
247
000217 ANNEXURE-58
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a m c < _t i n i n t h is r s ar ct y@ an d t h 7 se ems to be c o mp t e t e
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- c *
t e - t A a s l s r d by t h sQ t h a t to avo id f u t u r e h a ss l e s ì n t h e
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ç 6ea e- an l - t i v r ei ì x s t o yo u r s r r d o f f i c e m e r d e r t o pr o c e s s f o r t he
t l eH\ a : : : m unt M y\ \ F ba t: k a fter t a k i n j u n r a o n a b ly e x c e w t i m e t ha n t h e d u e
»e h a & - & - ° i s Z+ 8 .
w h k h w 4 ha d i n t i m t r d t he m o f t he
e c i - - t bt : t c cs n w ¢ l te d u s a r bit r a r i u t o p ay bo t h t he i n t e r st
- w d ab e t th e N t t t h¢ N i \d g t Uu \ n« x u m s ) T hi s c te a r ly sh o w s t h a t y o u r
b i » & e t t ¢ n <t e c tn r s N i 1ì c e t e st Qt l hi s h a wwt t As w e Bl a s c o BT ï p e l led US t o
- p e b r r tbe 1T t i$ t a A¢ by y o u d u r i n s aw an se m e n t o f c h « l u e a n d
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t l A R & es r c t w lw : I h 2c t t c m e t h a t p r e v i o u sw o n 1 t 1 1 1 / zo l l ¢ v ¬ n b a n k h a d
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- t D t he - as ew s \ 1w t u t h e i r d « 1H n d ç Fu td n o t b e f u . f l t l e d? Yo u r b a n k
t t uT a A dl t l d i t i sen m rq po r t a n d a bf u p t wa g t o di s b u r s e
- te r e L ar v
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t t * i t / qt t t h a t t t = b a n k s h e u td s i v e t h e m t he o f fic ia l
p l i a b er t h en R - .
b* ç B t h e n t A #a i n y o w ba n k h a s not acte d on tim e

- - C¢ $ S a n w
TN s t w h ü ì í i o r f w tw n k s h o w s ar b it r a r y
- s $k ir B \ \ i h (s w t- o lr
N e e r a j Ku m a r Jh a
(m A p p l iç a n t }
248
000218 ANNEXURE-58
for ke f r ow n
a ia f l d e In t e n t i o n t o ha c u st o m e r sa o
d p c l s lo n a lo n ¢ w ith m r a ss
nn a rK t a l be n e f i t (A n n · l ure 7)
l l I nf or med t o y o u r b a n k 1n dv t h a t t he m a i n a p p lic a n t l l no t Bn a
1) ,
We h a v e w e a ance
t r s s b e c a u s e t he \ l e l l h t a n d ha l f
p m l t i o n t o f a c e o r be n t a n y k i n d o f u n n e c e ss a r y s e
t ï 10 n t h g p r e l n a n t , a n d t h e o f f Bc l a \ s f r o m y o u r b a n
' k ha d t a k e n u n d u e a d v a n t a e o f t hi s
h har as sment s hi c h l e a d t o h c r s e r io u s
! lt u a t io n an d ha s no t spa r e d h e r f r om su c w
he a l t h p r o b l e m s (A n n e x u r· a)
d l e t t e r f o r t he am oun t o l Rs 1 , 32 , 4 5 3 /
14 , O n 0 9 / 0 1 / 2 0 12 w e r e c e iv e d t he de m an
9 1 w hi c h due 0 7 / 0 3 / 2 0 12 w he r e in t he e x c e ss
to w a r ds SI a b 12 (A n n ex u r· w as on
he q u e d a t e d 0 8 / 02 / 20 12 b e a r i n g c he q u e no :
o n \o u n t p a l d by t he b a n h t h r o u l h c
d , t he r e a f t e r t he do c u m ents w ere ha n de d
9 27 29 6 : am oun t Rs 5 2 4 8 66 w e re a d u st e
j
s ho c k t he ba n k ha d re tu rne d a tl t he
over to t he co n ce rn e d o f f i c e r s , bu t t o m y
'
Ce r t l f l c a t e ) t o us t h r o u gh o ne o f t he i r
do c u m ents ( I e De rr l a n d Le t t e r an d A r c hi t e e t s
f t h e m bo t he r e d t o r e c e iv e
i t ho u t st a t in go o d r e a so n a n d n o n e o
re p r g se n t a t lv e w # any
Sl h a n d a r (M o b : 9 18 2 9 1 1 1 1322 : 9 1900 4 870 00 7 ) a s ke d u s t o s i gn u p t he

our ca lb , Mr + +
u s a n d a ls o se n t e m ail
bl a n k d i sbu r s e m e n t fo r m w h i c h h e d e li v e r e d p h y s i c a l l y t o an
ll e a gu e Mr Yo ge s h Bha ga t (e m a ll
fro m t he e m a ll 1d o f his co
t he s a m e sin c e w e a s ke d
l d : y o ge s h b h a g a t ® e x t l c l c \ b a n k com ) (A n n e x u r e 9 A ) l o r ,
b a n k t he n ly v/e
h l m t o g e t t h e d l s b u r s e r n e n t f o r m d u l y f i ll e d an d st a m p e d by yo u r on
ly t u r n e d a ll t he do c u m e nts t o u s , ho w e v e r
t h e v e ry n e x t da y t he y si le n t re
m a y s l gn :
l lls d pu t se v e r a l s m s a n d r e c e iv e d not a sin gl e re p ly f r o m

w e ha d rn a de se v e r a ca an
ba n k Il k e esc a pe fro m \t s
any of t he o f f lc \ a l s , ho w can a re pu te d yo urs can
t he ba n k s
'
fo
pomlbl l l tl es an d 1n c l t e t h e i r c u st o m e r s to pe r fo r m I m p r o pe r ac ts r
m a la f lde tn t e n t i o n (A n n e x u r e 9 B )
and .e t t e r f o r am oun t Rs 4 62 2 2 0 0 0 , f o r Sl a b 14
1 5 O n 16 / 0 3 / 2 0 1 2 w e r e c e iv e d a dem
in t im ate d t o yo u r o f fic ia ls o n v e ry sa m e
a lo n 1 w it h t h e i n t e r e s t c h a r ge s T h e s a m e vl as
h ic h dld n t '
Hn d pr u de n t to a ga i n a sk fo r
da t e and r e c e iv e d t he re p ly f o r w w e
c l a r i f ic a t io n (A n n e x u r e 10 )
d de m and le t t e r cum inte r e st l e t t e r d a t e d 0 3 / 0 4 / 2 0 12

16 Or r 0 5 / 0 4 / 2 0 1 2 vl e r e c e iv e a
,
sla b 14 a l o n g i t h t he i n t e r e s t
f o r t he pe n d i n g am oun t o f Rs 4 6 4 6 2 7 0 0 f o r s l a b 12 & w
d i n t e r e st s l a b 12 & s l a b 14 d e m a n ds it
ha t t e s a § on da t e r s, 2407 a c c u m u la t e as on
c ,
d a y de la y s ha ll c o st i n t e r e s t pe na lty o f
d I n t he l e t t e r t h a t si n gle
i9 c le a r ly m e n t io n e
Rs , 227 (A n n e x u r e 1 1 )
Ba n k f In di a (RB I ) no t if ic a t i o n s &
o l Re s e r v e o
pr e v a i li n g p r o v ls o n s
l
As p e r t he
,
ï d ía a r e o n ty a l l o w e d t o c ha n ge t h e i r i n t e r e s t rate as
am en dm e n t s t h e f e o f , ba n k s i n n
l te rm & d it i o n s on w hi c h
d l t Bo n s d t t he i r o r ì ßl n a s co n
p e r p r e v a l l l n g m a r ke t con an no
con tr i b u t e d lo a n t o a n y c u st o m e r s
t he y ha v e
d pe n a lt y p a id by us t l tl d a t e
b ba c k a l l i n t e r e s t an
Fu r t he r , w e re q u e s t yo u t o r e i m u r s e
Ki n d l y p a s s an unam bi g u o u s
f yo u r Hn a l d e c l s l o n
q u ir e d t o be p a id t l l l t h e a e
a nd re
d t o
We be p e l l e d t o be a r an d
l o a n f a c l ll t y am oun t ca nno t com
de c \l l o n w l t h r e spe c t to our
Ne e ra j K u m a r Jh a
P B \ BA « n i h o t r l Jh d
(Co A p p l i c a n t )
249
000219 ANNEXURE-58
m a ke u p f o r t he m ist a ke s , d e la y a n d n e 1 l l ge n c e on t he pa r t o f t he ba n k and tt s
em plo ye e s
Yo u a r e e x p e c t e d t o t a ke u p 1T 1y gr ie v a n c e s v e r y se r i o u s l y a n d e x p e d it e t o a d d r e ss t he
sa m e a s so o n a s Po s s i bl e Yo u a r e r e q u e st e d to c la ri f y t he po si t io n an d rev e rt ba c k t o
m e w i t hi n 7 d a y s f r o m t he d a t e o f r e c e i pt o f t hi s l e t t e r W e r e se r v e o u r Hgh t t o se e k
re d r e ss a t o f our gr i e v a n c e s f r o m a ppro p ri a t e c o u r t o f ta w
V e r y T r u l y Yo u r s ,
Ra t i A g n l h o t r \ J h a (A p p Hc a n t ) Ne e r a j K u m a r J h a (Co A p p li c a n t )
A 70 1 , Ka l p a t a r u Cl a s s i c , A 7 0 1 , Ka l p a t a r u Cl a s s i c ,
Ch i n c h o l i N a k a , M a t a d Chl n c h o l l N a k a , M a t a d ,
D a l M i l l Co m p o u n d , Da l M l [l Co m p o u n d ,
o f f s v Ro a d , Of f s v Ro a d ,
M a t a d (w ) , M u m b a i , M a t a d (w ) , M u m b a i ,
M a h a r a s h t r a 4 00 0 6 4 M a h a r a s h t r a 4 0 d 0 64
M o b i l e N o : + 9 1 9 8 19 9 577 1 1 M o b l t e N o : + 9 1 9 8 19 9677 11
e m a i l : r a t i a gn i h o t r l ® a d j l e ga l co m e m a l l : n e e r a j j ha ® a d j le ga l c o m
Bo a r d Li n e : + 9 1 2 2 4 27 0 3 13 1 Bo a r d L I n e : + 9 1 22 4 2 7 0 3 1 31
Ex t n : 10 1 Ex t n : 11 1
Fa x : + 9 1 2 2 3 9 16 7 23 7 Fa x : + 9 1 2 2 39 1 6 237
En c l o su r e s: As m e n t io n e d a bo v e
Ca r b o Uc o p y to : 1 Br a n c h Ma n a ge r (I CICI Ba n k Gh a t k o p a r B r a n c h )
2 Br a n c h M a n a g e r , I C I C I L o m b a r d
3 Co w t o w n L a n d De v e l o p m ent Pv t Lt d I L O DH A
Ra t l A g n l h o t r l Jh a N e e r a j Ku m ar Jh a
(A p p l i c a n t ) (Co A p p li c a n t )
250
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252
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253
000223 ANNEXURE-58
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000225 ANNEXURE-58
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3/21/2015 Agnihotri & Jha Associates® Mail - Insurance Claim of Home Safe Plus – Secure Mind Policy Ref: Policy No.4013/ICICI-HSP/379406/00/000; Home L… 259
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Insurance Claim of Home Safe Plus – Secure Mind Policy Ref: Policy
No.4013/ICICIHSP/379406/00/000; Home Loan Account No:
LBMUM00001867601
Sheela | ADJ Legal® <litigation@adjlegal.com> Wed, Jul 17, 2013 at 3:28 PM
To: customersupport@icicilombard.com
Cc: Neeraj Jha <neeraj.jha@adjlegal.com>, Rati | ADJ Legal ® <rati.agnihotri@adjlegal.com>
To,
Sir/Madam
With refernce to subject mentioned hereinabove we had teleponic conversation on toll free no. 18002666 on
12th July 2013 with Ms. Pooja; Vanita & Ms. Bindu and explained in detail the whole issue and requested them
to revert back in half and hour on the Mob No. 9819957711 but we have not received any response till date.
We have sent a letter dated 10/07/2013 to you claim of Rs. 7,73,866/‐ against our Policy NO. 4013/ICICI‐
HSP/379406/00/000; Home Loan Account No: LBMUM00001867601 which have returned with remark of "LEFT
WITHOUT INSTRUCTION" on 16th July, 2013.
Furthernace to that we are again forwarding the copy of claim letter dated 10th July 2013 along with the
covering letter dated 17/07/2013 and we are also informing you by way of email and annexing the claim
letter & covering letter for your ease reference and we request you to kindly look into the matter at the
earliest and disburse the claimed amount.
Regards,
Sheela
Enclosed: As above
This message and any attachment(s) contained here are information that is confidential, proprietary to M/s. Agnihotri & Jha Associates® or ADJ Legal,
Free signature tool. CLICK HERE TO GET IT.

3/21/2015 Agnihotri & Jha Associates® Mail - Insurance Claim of Home Safe Plus – Secure Mind Policy Ref: Policy No.4013/ICICI-HSP/379406/00/000; Home L… 260
000230
ANNEXURE-59
This message and any attachment(s) contained here are information that is confidential, proprietary to M/s. Agnihotri & Jha Associates® or ADJ Legal,
Free signature tool. CLICK HERE TO GET IT.
2 attachments
Covering Letter.pdf
878K
letter.pdf
1867K
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ANNEXURE-59
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Agnihotri & Jha Associates® Mail - Balance Payments for Fit-outs : Customer ID - 0001219181 | LODHA AQUA | Antartica | Wing C | 1501
000238
ANNEXURE-61
Balance Payments for Fitouts : Customer ID 0001219181 | LODHA AQUA |
Antartica | Wing C | 1501
SEEMA IYER <seema.iyer@lodhagroup.com> Thu, Aug 1, 2013 at 5:16 PM
ReplyTo: seema.iyer@lodhagroup.com
To: NEERAJ KUMAR JHA <neeraj.jha@adjlegal.com>
Dear NEERAJ KUMAR JHA,

Greetings from the Lodha Group.

We are pleased to inform you that your chosen Lodha residence is ready for Fit‐outs. Please find attached the demand
letter highlighting balance payments that need to be made before we can invite you to our head office for finishing the
Fit‐outs formalities. The same is also being sent to you via courier.

We request you to go through the attached letter in detail so that you have complete clarity about the balance
payments, timelines and the Fit‐outs process. Should there be any additional payment that needs to be made as per
any government statute, we shall inform you of the same at the earliest.

Do get in touch with me for any clarifications or queries.
Warm Regards,

SEEMA IYER
Direct Line: 022 67737373 extension 7344
Email: seema.iyer@lodhagroup.com
0001219181_Antartica_NEERAJ KUMAR JHA.pdf
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Date: 1 August 2013
Customer ID - 0001219181
NEERAJ KUMAR JHA
RATI AGNIHOTRI JHA
A-27, RAM KUTIR PUSHTIKAR SOC.,
JOGESHWARI - W
MUMBAI - 400102
Sub: Activation of Offer of Possession (For Fit Outs)

Re: Agreement to Sell dated 15.04.2011 registered (“Agreement”) in respect of Unit No. 1501 in
Building Antartica, Wing C of LODHA AQUA situated at Dahisar (“Unit”)
Dear NEERAJ KUMAR JHA,

Greetings from the Lodha Group.
We are pleased to inform you that your chosen Unit is ready for Possession(for Fit-outs). We request you to
make the following payments within 15 (fifteen) days towards the said residence from the date of the demand
letter:
1. Balance towards consideration value including interest and other charges,
2. Society and other charges,
3. Taxes – Service tax, Property Tax, MVAT, etc as applicable or outstanding,
4. Interest on outstanding payments and taxes, as applicable
Any delay in payment of the aforesaid amounts shall attract interest as per the terms of the Agreement to Sell.
At this juncture, we would like to apprise you of the following relevant aspects at this stage:
Common Area Maintenance Charges (CAM): You would be aware that under the Agreement to Sell, all the
facility charges in respect of the said Unit including CAM (Common Area Maintenance) charges/civic
governance charges (if applicable), pipe laying charges, society formation charges, share application money
were estimated on a provisional basis. The CAM charges and other charges in respect of your unit as on date
are provided in the Annexure: Statement of Balance Payments on the basis of all direct and indirect
costs/over heads allocable to providing the CAM Services for the said building/development. Please note that
the same are as on date & any change in the same as per actuals will be intimated to you from time to time &
you shall be liable to pay any increased amounts at actuals.
All attempts are made to optimize costs while maintaining our aspiration of high quality service. Please note
that the CAM charges in respect of the said Unit shall be applicable with effect from the CAM Commencement
Date.
Property Tax: This is a property/municipal tax on property imposed by municipalities based on the projected
value of the property. The property tax is provisional in nature and will be revised on the actual assessment of
the same by the concerned municipal authorities. For a detailed explanation on the Property Tax please refer
to your Agreement to Sell. Please note that the property tax shall be applicable with effect from the CAM
Commencement Date.
Building Protection Deposit: This is a caution deposit taken from all residents to ensure prevention of any
damage to the Building/Project/common areas and facilities or alterations to the façade of the building by any
resident. An undated cheque shall be collected prior to the date of offer of possession of your Unit for this
purpose. The undated cheque will be returned after the facilities team’s inspection post completion of fit-out
works, and subject to confirmation of adherence to the guidelines for fit-outs. In the event of any damage as
above, we shall be entitled to date the said cheque and present the same for encashment in case of any
additional amounts payable by you in respect of the damage, you shall be liable to pay the same, we request
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you not to issue any stop payment instructions and/or close the said bank account. We are confident that you
will appreciate this step as a necessary initiative in the overall interest of the entire development.
A detailed itemized breakup of the payments due is given in the Annexure herein.
We shall ensure that you cherish this final leg of the journey before you step into your chosen home.
For any further clarifications or assistance in connection with the said Unit, please feel free to get in touch with
your relationship manager.
Warm Regards,
For COWTOWN LAND DEVELOPMENT PVT.LTD.
__________________
Pragati Mehra
Manager, Customer Care
Enclosures: Annexure – Statement of Balance Payments:
ANNEXURE: STATEMENT OF BALANCE PAYMENTS
Final
Description/Component Amount (INR) Amount Favouring RTGS Details
(INR)
Balance towards Company Name -
consideration value incl. COWTOWN LAND
946890.0
interest & other charges DEVELOPMENT
(A) PVT.LTD.
Bank Name -
Total Society Charges (B) 91779.0 HDFC BANK LTD
COWTOWN Account No -
LAND A/C:05012240000
1338396.00 DEVELOPMEN 141
Total Other Charges (C) 86250.0 T PVT.LTD. Branch Address -
GR.FLOOR,INDUS
TRY
HOUSE,OPP:RAM
Total of all Taxes (D) 213477.0 ON HOUSE,
159,H.T.PAREKH
MARG
COWTOWN
Building Protection
LAND
Deposit (Undated 50000.0 NA
DEVELOPMEN
Cheque) (E)
T PVT.LTD.
271
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ANNEXURE-61
The detailed breakup of the Balance amount payable is given below:
Description/Component Amount (INR)

Balance towards consideration value 791990.0
Interest(if applicable) 153900.0
Other charges 1000.0
Total of balance towards consideration value incl. interest and
946890.0
other charges (A)
Share Money 350.0
Building Common area maintenance charges
(Rs. 6.05 per sq. ft. of carpet area for [15] months )
66429.0
Federation Common area maintenance charges
(Rs. 0.0 per sq. ft. of carpet area for [0] months )
Society Formation Charges 25000.0
Total Society Charges (B) 91779.0
Legal charges 25000.0
Infrastructure charges 0.0
Water and Electric connection charges 50000.0
Power Infrastructure Charges (if applicable) 0.0
Club membership fees + Club charges (if any) 11250.0
Piped gas charges 0.0
Civic Governance Charges 0.0
Total Other Charges (C) 86250.0
TAXES PAYABLE:
Service Tax %Tax Amount (INR)

3.09/
Service Tax on Balance towards consideration value 214601.0
3.708
Service Tax on Building CAM charges 12.36 8211.0
Service Tax on Federation CAM charges 12.36 0.0
Service Tax on Civic Governance charges 12.36 0.0
Service Tax on Society Formation charges 12.36 3090.0
Service Tax on Legal charges 12.36 3090.0
Service Tax on Infrastructure charges 12.36 0.0
Service Tax on Water and Electric Connection charges 3.09 1545.0
Service Tax on Power Infrastructure charges 12.36 0.0
Service Tax on Club charges 12.36 1391.0
Service Tax on Piped gas charges 12.36 0.0
Total Gross Service Tax Payable 231927.0
Less : Received 41423.0
Balance Service Tax Payable 190504.0
272
000242
ANNEXURE-61
MVAT Amount (INR)

MVAT as a % of Consideration value 69013.0
MVAT as a % of Society Formation charges 250.0
MVAT as a % of Legal charges 250.0
MVAT as a % of Infrastructure charges 0.0
MVAT as a % of Water and Electric Connection charges 400.0
MVAT as a % of Power Infrastructure charges 0.0
MVAT as a % of Club charges 113.0
MVAT as a % of Piped Gas charges 0.0
Interest on MVAT 0.0
Gross MVAT Payable including interest on MVAT 70026.0
Less : Received 69013.0
Balance MVAT payable including Interest on MVAT 1013.0
Total Provisional Property Tax 21960.0
Total of all Taxes (D) 213477.0
Please note standard Guidelines:
 We request you to clear the taxes, if unpaid, immediately. Any delay in payments will attract
interest @18% payable from the due date till the date of realisation.
 Interest amount, cheque bounce charges, service charges for facilitating registration, etc. if due
& applicable will be re-confirmed subsequently.
 Time taken for cheque clearance is usually 5-6 working days which causes subsequent delays in
possession formalities. We hence encourage you to make online payments or payments via
demand draft which would lead to immediate clearance and help us expedite the formalities.
 Post clearance of all payments, we would need approximately 7 days to organize the requisite
paperwork and to prepare your residence for handover. Thereafter, we shall invite you to our
office for signing the documents and proceeding to the site for key handover.
3/20/2015 Agnihotri & Jha Associates® Mail - Important | Happy Hours - Interest Amnesty Offer 273
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ANNEXURE-62
Important | Happy Hours Interest Amnesty Offer
Seema K. Iyer <Seema.Iyer@lodhagroup.com> Wed, Aug 14, 2013 at 4:55 PM
Dear Mr. NEERAJ KUMAR JHA,
We are pleased to share a limited period Happy Hours Interest Amnesty Offer, wherein you can avail up
to 60% waiver of your outstanding interest which is currently chargeable against outstanding dues towards
your consideration value.
Terms & conditions of the offer:
1. In order to avail the offer, you need to clear all of the below dues on or before 31st August, 2013:
a. All demanded but unpaid dues towards the consideration value
b. All demanded but unpaid service tax
c. 50% of interest outstanding as on day of payment of (a), (b) and (d)
d. 100% outstanding interest on delayed service tax
2. Additional 10% points waiver will be applicable over the 50% waiver if payment is made on or before 20th
Aug, 2013.
3. In case the cheque pickup facility is utilized, then the applicable interest waiver will reduce by 10%
points
4. This interest amnesty/waiver is for a limited period only and is a suomoto gesture, at the sole discretion
of the Lodha Group.
5. The interest amnesty will only be offered on a complete payment and not a partial payment. No interest
waiver will be applicable in case of partial payments
6. This scheme does not apply to any interest already paid in the past and the same will not be waived off.
The scheme only applies to the current dues outstanding towards your unit/residence.
7. This amnesty/interest waiver is not applicable on interest charged on any kind of taxes.
Please note that both parties understand that timely payments and interest implications on any delays
continue to be a purchaser’s obligation, since time is of the essence for your application/allotment
letter/agreement for sale. If your payments are delayed for any reason and you miss the above mentioned
date, this offer will have lapsed and 100% applicable interest will need to be paid along with the dues
thereafter with interest from the actual due dates. Please connect with me in case you need any further
clarifications so that you can avail the complete benefit of this one time offer.
000244
Note: This offer and its timelines are at the sole discretion of Lodha Group. Timely payment continues to be
ANNEXURE-62
the purchaser’s obligation.
Warm Regards,

Seema Iyer | relationship manager |
customer care
400011
Tel+91.22.23024400 Ext:7344
3/20/2015 Agnihotri & Jha Associates® Mail - Fw: Dear Adv Jha, 275
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ANNEXURE-63 (Colly)
Fw: Dear Adv Jha,
info@adjlegal.com <info@adjlegal.com> Wed, Aug 28, 2013 at 11:26 AM
ReplyTo: info@adjlegal.com
To: Advocate Neeraj Jha <neeraj.jha@adjlegal.com>, Rati Agnihotri <rati.agnihotri@adjlegal.com>
SMS
From: +919821833547
Received: Aug 27, 2013 8:23 PM
Subject: Dear Adv Jha,
Dear Adv Jha,
Good evening!
Recd the soft copy of your reminder notice today. It had reached a different location. Tried reaching you but
your phone is not reachable. Kindly call when free. We assure you that we are committed to address the
issues and can meet you with proposed solution shortly asap.
Rgds
Tushar Hebalkar
ICICI Bank Ltd.
000246
ANNEXURE-63 (Colly)
Important | Happy Hours Interest Amnesty Offer
Hi Mr. Tushar,
As per our tecon today.. pfa the communication from the builder for the possession of the property for your peruse.
Regards,
Neeraj Jha
|ADVOCATE
&CONSULTANT| | Regn:
UP9104/02|
|Sr. Partner|
Board Line: +9122
4270 3131
Multi Lines: +9122
4270 3 100 199
Fax: +91223916
7237
E
mail: neeraj.jha@adjlegal.
com
Central
Mail: info@adjlegal.com
Corporate Address
This message and any attachment(s) contained here are information that is confidential, proprietary to M/s. Agnihotri & Jha Associates® |Solicitors &
Attorneys| or ADJ Legal and /or its clients. Contents may be privileged or otherwise protected by law. The information is solely intended for the individual or the
From: "Seema K. Iyer" <Seema.Iyer@lodhagroup.com>

Subject: Important | Happy Hours - Interest Amnesty Offer
Date: 14 August 2013 4:55:09 PM GMT+05:30
3/20/2015 Agnihotri & Jha Associates® Mail - Balance Payments for Fit-outs : Customer ID - 0001219181 | LODHA AQUA | Antartica | Wing C | 1501 277
000247
ANNEXURE-63 (Colly)
Balance Payments for Fitouts : Customer ID 0001219181 | LODHA AQUA | Antartica |
Wing C | 1501
Hi Mr. Tushar,
PFA the demand letter for your peruse.
Regards,
Neeraj Jha
|ADVOCATE
&CONSULTANT| | Regn:
UP9104/02|
|Sr. Partner|
Board Line: +9122
4270 3131
Multi Lines: +9122
4270 3 100 199
Fax: +91223916
7237
E
mail: neeraj.jha@adjlegal.
com
Central
Mail: info@adjlegal.com
Corporate Address
This message and any attachment(s) contained here are information that is confidential, proprietary to M/s. Agnihotri & Jha Associates® |Solicitors &
Attorneys| or ADJ Legal and /or its clients. Contents may be privileged or otherwise protected by law. The information is solely intended for the individual or the
From: SEEMA IYER <seema.iyer@lodhagroup.com>

Subject: Balance Payments for Fit-outs : Customer ID - 0001219181 | LODHA AQUA |
Antartica | Wing C | 1501
Date: 1 August 2013 5:16:24 PM GMT+05:30
To: NEERAJ KUMAR JHA <neeraj.jha@adjlegal.com>
Reply-To: <seema.iyer@lodhagroup.com>
0001219181_Antartica_NEERAJ KUMAR JHA.pdf
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3/20/2015 Agnihotri & Jha Associates® Mail - Dispute Resolution- Home Loan A/c No. LBMUM00001867601 290
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ANNEXURE-66
Dispute Resolution Home Loan A/c No. LBMUM00001867601
Neeraj Jha <neeraj.jha@adjlegal.com> Thu, Mar 13, 2014 at 6:09 PM
To: amol.rane@icicibank.com
FYI
From: "Richa Joshi | ADJLegal" <corplegal@adjlegal.com>

Subject: Dispute Resolution- Home Loan A/c No. LBMUM00001867601
Date: 13 March 2014 5:33:06 PM GMT+05:30
To: <tushar.hebalkar@icicibank.com>, <anmol.rane@icicibank.com>,
<manish.kale@icicibank.com>
Cc: "Neeraj Jha" <neeraj.jha@adjlegal.com>, "Rati Agnihotri"
<rati.agnihotri@adjlegal.com>
Dear All,

Greetings of the Day!!

We write to you on the behalf of Mrs Rati Agnihotri (applicant) , in
reference to your meeting dated March12, 2014 with Neeraj Jha and Rati
Agnihotri (Applicants) and with Mr. Amol Rane and Mr. Ketan Dixit (ICICI
Bank representatives) regarding the home loan matter (Home Loan A/c No.
LBMUM00001867601) at A‐27, Ram Kutir Bungalow, Pushtikar Society,
Jogeshwari (W), Mumbai‐ 400102 from 11:30 am‐ 2:30 pm, please find
attached the minutes of the meeting;

Secondly, we would like to state that with respect to the captioned matter,
there had been “n” number of meetings held in the past. The series of the
meetings started from the year 2012 June and has become a common
paralance since then. Uptil now we have met the enlisted participants of
the said dicussions to which nothing has been concluded so far.

1. Mr. Tushar Hebalkar (Regional Head Manager)
2. Mr. Kailash
3. Mr. Manish Kale ( Zonal Head)
4. Mr. Anmol Rane (Debt Recovery)
5. Mr. Ketan Dixit (Debt Manager)

We would also like to mention that in each of our meet you have been
mentioning us to dicuss the same with the your concerned team mates /
departments etc. and have assured to dispose the issuse at the earliest but
sadly no conclusion had been drawn yet.

Lastly, We therefore through this mail writing to you , to take this
matter high on your priority list and to comply with the stated
requisitions and give us the assurance within 10 days.

Hope to have a positive confirmation this time and to further close the
000261
subject amicably. ANNEXURE-66

Thanks & Regards

ENCLOSED: AS ABOVE
Richa Joshi CONFIDENTIAL ATTORNEYCLIENT PRIVILEGED
|LEGAL EXECUTIVE| COMMUNICATION
Board Line: +912226777038 / 37 This message and any attachment(s) contained here are
Fax: +91223916 7237 information that is confidential, proprietary to M/s. Agnihotri &
Email: corplegal@adjlegal.com Jha Associates® |Solicitors & Attorneys| or ADJ Legal and /or
Central Mail: info@adjlegal.com its clients. Contents may be privileged or otherwise protected by
Corporate Address law. The information is solely intended for the individual or the
entity it is addressed to. If you are not the intended recipient of
this message, you are not authorized to read, forward, print,
retain, copy or disseminate this message or any part of it. If you
have received this email in error, please notify the sender
immediately by return email and delete it from your computer.

7 attachments
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Reply ICICI LOAN RECALL NOTICE dated June 27, 2014
Neeraj Kumar Jha <neeraj.jha@adjlegal.com> Thu, Aug 7, 2014 at 8:19 PM
To: "amol.rane@icicibank.com" <amol.rane@icicibank.com>, customer.care@icicibank.com,
customerssupport@icicilombard.com
Cc: Nidhi <office@adjlegal.com>, Rati Agnihotri Jha <rati.agnihotri@adjlegal.com>
Dear Sir,
Ref: Loan/Credit Facility Agreement No: LBMUM00001867601
With reference to above captioned loan agreement we have received a letter dated June 27, 2014, I hereby sending
the categorical reply to the same (which is attached with this mail) to all concerned parties for your peruse and record.
The hard copy of the same will bent to all concerned parties by Regd. AD Post.
Very truly yours,

Neeraj Kumar Jha [LL.B (Hons.), LL.M-IPR & IT] Bar Regn: UP9104/02 |ADVOCATE & CONSULTANT| E-
mail: neeraj.jha@adjlegal.com|Mob: +91-9819967711
BOOK YOUR APPOINTMENT
Head Office: 1501, Antarctica- C, Lodha Aqua, Off. W.E Highway, Opp. Thakur Mall, Near Dahisar Toll Plaza, Mumbai,
Maharashtra, INDIA. Pin- 401107. Corporate Office: A-27, Gr. Floor, Ram Kutir Bungalow, Pushtikar Society, Jogeshwari
(W), Mumbai, Maharashtra, INDIA. Pin- 400 102 CONFIDENTIAL ATTORNEY- CLIENT PRIVILEGED
COMMUNICATION
ICICREP FINAL.pdf
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305
000275 ANNEXURE-70
CALL TRANSCRIPTION BETWEEN AMOL RANE (ICICI)- NEERAJ JHA
TIME: 5:28 PM || Date: 01/12/2014 || Sl-94
Neeraj: Hello
Amol: Good Afternoon
Neeraj: Good After noon
Amol: How are you?
Neeraj: I’m fine. Tell me.
Amol: Am I disturbing you?
Neeraj: No
Neeraj: did you receive the mail? The amount and schedule, I need to process it ahead. If you
want me to process it ahead then give me your confirmation. If not then inform me about the
same.
Neeraj: See as per the discussions held by us, whatever plights I have – as per your mail I’ve not
found it anywhere, I even find them justified commercially.
Amol: Ok
Neeraj: It is the same old problem, which we have been talking about. Your seniors are saying
the same thing. It is not agreeable to us and its not even agreeable to them. Regarding the
complaint letter which I had sent you, none of my problems are given an answer to. Therefore,
I don’t feel you will be able to do any further in this matter. Instead, I have already taken the
matter ahead. We are working on legal basis. So, whatever is suitable we’ll do. Whatever the
court decides we will work according to that. We have given you a lot of time, now I don’t
feel…
Amol: Whatever is your reply.. just send it across. So that I can convey that forward.
Neeraj: ok. I’ll write the same thing to you on mail.
Amol: ok
Neeraj: Ok
Amol: Bye
* This is the original dialogue between the bank and the borrower in order to verify the authenticity of
the same the audio recording can be produced as and when required.
3/20/2015 Agnihotri & Jha Associates® Mail - Invitation Meeting on December 5, 2014. 306
000276
ANNEXURE-71
Invitation Meeting on December 5, 2014.
Amol Rane <amol.rane@icicibank.com> Tue, Dec 2, 2014 at 4:27 PM
ReplyTo: amol.rane@icicibank.com
Cc: Manish Kale /RSPPG/IBANK/PNE <manish.kale@icicibank.com>, Monica Balchandani
/DSMGCLIC/IBANK/ANDH <monica.balchandani@icicibank.com>, "tushar.hebalkar@icicihfc.com"
<tushar.hebalkar@icicihfc.com>, S SUBRAMANIAN /DSMGEMCT/IBANK/BHOPAL
<ganapathi.subramanian@icicibank.com>
Dear Sir,
Greetings from ICICI Bank.
This is with reference to the issues raised by you regarding your home loan account no
LBMUM00001867601, you are requested to visit ICICI Bank Ltd, BKC , Mumbai on December 5,
2014 at 11.00 am for a formal meeting with our officials in this regard.
--
Thanks & Regards

Amol J Rane
DSMG MORTGAGE
"The information contained in this email and any attachments to this message are intended for the exclusive
use of the int ended recipient and may contain proprietary, confidential or legally privileged information. If you
are not the intended reci pient, please note that you are not authorised to disseminate, distribute or copy this
email or any parts of it or act upon/ rely on the contents of this email in any manner. Please notify the sender
immediately by email and destroy all copies of t his email and any attachments. Please also note that ICICI
Bank or its subsidiaries and associated companies, (collectively "ICICI Group"), are unable to exercise control
or ensure or guarantee the integrity of/over the contents of the information c ontained in email transmissions
and that any views expressed in this email are not endorsed by/binding on the ICICI Group u nless the
sender does so expressly with due authority of ICICI Group. Before opening any attachments please check
them for vi ruses and defects and please note that ICICI Group accepts no liability or responsibility for any
damage caused by any virus that may be transmitted by this email. Thank you for your cooperation."
https://mail.google.com/mail/u/0/?ui=2&ik=f4fa6bd220&view=pt&q=amol.rane%40icicibank.com&qs=true&search=query&msg=14a0aa6316892a40&siml=14… 1/1
307
000277 ANNEXURE- 72
CALL TRANSCRIPTION BETWEEN AMOL RANE (ICICI) & NEERAJ JHA
Date: 10/12/2014; Sl. No: 96
Neeraj: Hello
Amol: Sir, Amol here
Neeraj: Yes say
Amol: We will not be able to send you mail regarding the sale, as spoken to my senior. See,
we’ll have to conclude this meeting without you, because without you meeting will not be able
to….
Neeraj: I feel even if they cannot even give confirmation on the mail then I doubt on their
competency also whether they are going to take seriousness on this particular issue or not or
it might be a very crevial matter for them. That is what I’m thinking. So, in that case whatever
thing I’ve spoken to you, you go and speak to them about the situation. And ask them what
best we can offer.
Amol: I agree on what you are saying….. If you wanted to meet the seniors…
Neeraj: I don’t know with whom I’m suppose to have meeting with and even if you people are
not able to invite me officially; and only on phone you are giving me this kind of information.
How do you expect me to go for a meeting like that? It doesn’t make any sense. If you cant
even see the mail regarding the meeting; what is the use of such a meeting. I’ve had 20 – 25
such meetings with you.
Amol: I cannot speak much on this matter…
Neeraj: That is what I’m saying, your seniors are also not being able to do anything. They are
not being able to disclose….
Amol: Atleast meet them once, you’ll also come to know who are the seniors. After the
meeting you’ll be able to consume meeting…
Neeraj: I don’t know the person with whom I’m going to meet, the person is not being able to
disclose himself then…..
Amol: In the meeting everything will be disclosed
Neeraj: Tell me one thing. Should I send you request for such a meeting, will you accept it?
308
000278 ANNEXURE- 72
Amol: (Pause)
Neeraj: If I give you request for a meeting will your people accept it. I should know with whom
my meeting is fixed with. You cannot do it. It’s the same thing. What is the authenticity with
whom I’m having the meeting with? I don’t know what will I speak at the meeting. That person
is not being able to even convey the purpose of this meeting. Then why should I go over there?
It’s a very genuine question, anybody can ask.
Amol: It depends on how you are taking it as. If you are taking it positively then…
Neeraj: Yes, I’m taking it positively
Amol: We are being trying it from past 2 years, but we are not being to do anything, honestly.
Neeraj: You have taken the matter very seriously and you have had follow up with me. Officially
as well as unofficially you have held many meetings with me.
Amol: Right
Neeraj: You can also told your concerns/seniors about the same.
Amol: Right
Neeraj: So, according to me you have fulfilled your responsibility at the best possible way. You
don’t have any authority more than that, so you cannot taken any decision. Now, you are
inviting me for the meeting with your seniors. But you are unable to give me official invitation,
even when I’m coming to your office itself. I only have to come…
Amol: Right
Neeraj: If this kind of meeting is there then I’ll send my junior, you understand things through
him. He has all the brief of it…
Amol: (Laughs)
Neeraj: Yes, they’ll negotiate
Amol: Sir, what can I say…
Neeraj: I know that when I had placed this request, you might have talked about it..
Amol: Absolutely
Neeraj: When the request was placed genuinely, what’s the harm in accepting it. I’m worried
why the person/seniors are so much worried for inviting me officially.
309
000279 ANNEXURE- 72
Amol: We have some compliance issue ,Some audit issue, tomorrow it should not… if its being
communicated, it should go through some channel. That’s the only problem, there is no other
problem. Whatever communication I’ve had with you, it takes place through proper channel.
Neeraj: Understood. I’m saying, whatever the proper channel is there for conducting any
meeting, you follow that channel. But this is not done, that I don’t know what am I going there
for, what is the meeting about, who is the senior. How much ever senior the person might be;
I’m not liable to pay him nor is he liable to pay me. For me just a banker, for you he might be
your senior or a decision maker. Atleast I should know with whom am I going to talk with,
what is his level, will he be able to make a decision; he is perfectly based with the situation or
whether he is going to throw some tantrums on me.
Amol: Without meeting you cannot decide… atleast meet them, and then you can decide
whether they can make a decision or not. Then only you will come to know. Till date you have
been meeting people, they come to your office and they meet you…
Neeraj: You call me for a meeting in a proper way, then I’ll come. I’m not hesitating, nor am I
denying to come. Atleast call me in a proper way.
Amol: we are helpless with that, try to understand. What more can I say.
Neeraj: Will you go to your in laws house without invitation?
Amol: (Laughs) What if we are neighbours? (laughs)
Neeraj: Hmmm… Till date I’ve not gone to my in laws house without invitation.
Amol: What can I say now?
Neeraj: I’m a lawyer I do understand that at professional level there is a procedure. Its good
that you have understood that it is a senior matter. And this matter has many loop holes, that
your department cannot handle. I’ll come over there because I want to resolve it.
Amol: I’m personally requesting you to come here for once, if you don’t get any solution to it
then….
Neeraj: Amolji tell me one thing, I have to find the solution or you have to? Till the I had to find
it…
Amol: Till the time both the parties don’t sit face to face, till that time….
Sir: You are welcome at my office. If you are coming to my office then I’ll make sure that I’m
there at the office to meet you all. But if you are calling me, you have to disclose it to me, with
whom am I going to speak to and if you cannot do this then it doesn’t make any sense for me
to come over there.
310
000280 ANNEXURE- 72
Amol: True.. True..
Neeraj: I’ll be repeating the same thing.
Amol : Unnecessarily we’ll have to conclude the meeting, nothing else. The thing is that after
lots of efforts we were able to gather so many people together. Today this one is not there,
next day someone else is not there, someone is there on some tour, this is the problem
because of which so much delay has taken place.
Neeraj: Whoever was on tour write their names and send it to me. I’ll go and meet them. I’ll
reach the airport before the departure of their flight.
Amol: This was the reason the meeting was delayed. That’s why we are meeting after around 2
months. That’s why I’m requesting you to come atleast for half an hour. Don’t keep such
protocols.
Neeraj: I’ll not only come for half an hour, I’ll come for one hour.
Amol: Don’t keep so many protocols.
Neeraj: I’m not keeping any protocol. It is a very simple thing, that this is a matter which has
been pending for many years. So many people will meet and make a decision. And for that
reason we are requesting your presence is required. I’ll come to know that so many people will
be coming for the meeting, accordingly I’ll brief myself. So and so person will be knowing about
this matter. And there after I’ll put across my point. I’ll listen to your points as well. And
thereafter we’ll decide what decision has to be made. In a day or two we’ll make a decision and
comply on it. That’s it. But, from the start you are not disclosing anything, then how will I know
anything. You don’t request so much in front of God.
Amol : (Laughs) I’m requesting you..
Neeraj: I’m not God, I’m just a small person. Just send an official mail, so that its clear that,
these dignitaries will be having this meeting. And what should be the points…
Amol : I cannot do that that’s why I’m requesting you.
Neeraj: That’s what I want to know, who is stopping you?
Amol : This is what I’m trying to tell you, that it does not fit our compliance. Audit will go
Neeraj: If you call for a meeting, what audit will take place.
Amol: Sir, we are not suppose to write these things.
Neeraj: Then who is suppose to write for invitation of the meeting. Which department is
responsible for sending the invitation for the meeting.
311
000281 ANNEXURE- 72
Amol: We do not send such mails to any customer. All customers are conveyed it through
calls. Whenever we had meeting with you in the office, we use to have it based on phone calls
or message. When we invite costumers to our office, we just inform them.
Neeraj: Just say that you are inviting me for the meeting, and I’ll give you confirmation. Just give
me details of the meeting, who are the attendees of the meeting. If it happens it should be
proper. Tommorow if I call, whoever the attendees are there they will make a decision,
thereafter they might deny about the conversation. This does not amount to anything then. If
you send me a proper invitation, then I’ll come. Otherwise you are always welcome at my
office.
Amol : Ok sir, what else can we do.
Neeraj: talk to them and see.
Amol: its difficult. I’ll have to cancel the meeting.
Neeraj: Then we’ll meet later, we’ll meet at JW.
Amol: (Laughs)
* This is the original dialogue between the bank and the borrower in order to verify the authenticity of
the same; the audio recording can be produced as and when required.
3/20/2015 Agnihotri & Jha Associates® Mail - Amortization Schedule 312
000282
ANNEXURE-73
Amortization Schedule
Amol Rane <amol.rane@icicibank.com> Thu, Dec 11, 2014 at 3:29 PM
Cc: Manish Kale /RSPPG/IBANK/PNE <manish.kale@icicibank.com>, S SUBRAMANIAN
/DSMGEMCT/IBANK/BHOPAL <ganapathi.subramanian@icicibank.com>
Dear Sir,
Greetings from ICICI Bank.
This is with reference to the meeting held with you and our officials on December 5, 2014 regarding your home loan
account no LBMUM00001867601.
Kindly find attached the amortization schedule for your reference as per conversation.
Request your revert in this regards.
--
Thanks & Regards

Amol J Rane
DSMG MORTGAGE
use of the int ended recipient and may contain proprietary, confidential or legally privileged information. If you
are not the intended reci pient, please note that you are not authorised to disseminate, distribute or copy this
email or any parts of it or act upon/ rely on the contents of this email in any manner. Please notify the sender
immediately by email and destroy all copies of t his email and any attachments. Please also note that ICICI
or ensure or guarantee the integrity of/over the contents of the information c ontained in email transmissions
and that any views expressed in this email are not endorsed by/binding on the ICICI Group u nless the
sender does so expressly with due authority of ICICI Group. Before opening any attachments please check
them for vi ruses and defects and please note that ICICI Group accepts no liability or responsibility for any
damage caused by any virus that may be transmitted by this email. Thank you for your cooperation."
Amortization Schedule.xls
39K
https://mail.google.com/mail/u/0/?ui=2&ik=f4fa6bd220&view=pt&q=amol.rane%40icicibank.com&qs=true&search=query&msg=14a38cabf783b426&siml=14… 1/1
313
000283
ANNEXURE-73
Principal
Prin o\s EMI DUE
Sr No. Date O\s at EMI Int Prin
at End DATE
Beg
1 Mar-12 4255322 48366 39007.12 9358.882 4245963 01-Apr-12
2 Apr-12 4245963 48366 38921.33 9444.673 4236518 01-May-12
3 May-12 4236518 48366 37952.14 10413.86 4226104 01-Jun-12
4 Jun-12 4226104 48366 37858.85 10507.15 4215597 01-Jul-12
5 Jul-12 4215597 48366 37764.73 10601.27 4204996 01-Aug-12
6 Aug-12 4204996 48366 37669.76 10696.24 4194300 01-Sep-12
7 Sep-12 4194300 48366 37573.94 10792.06 4183508 01-Oct-12
8 Oct-12 4183508 48366 37477.26 10888.74 4172619 01-Nov-12
9 Nov-12 4172619 48366 37379.71 10986.29 4161633 01-Dec-12
10 Dec-12 4161633 48366 37281.29 11084.71 4150548 01-Jan-13
11 Jan-13 4150548 48366 37181.99 11184.01 4139364 01-Feb-13
12 Feb-13 4139364 48366 37081.8 11284.2 4128080 01-Mar-13
13 Mar-13 4128080 48366 36980.71 11385.29 4116695 01-Apr-13
14 Apr-13 4116695 48366 36878.73 11487.27 4105208 01-May-13
15 May-13 4105208 48366 36775.82 11590.18 4093618 01-Jun-13
16 Jun-13 4093618 48366 36671.99 11694.01 4081924 01-Jul-13
17 Jul-13 4081924 48366 36567.23 11798.77 4070125 01-Aug-13
18 Aug-13 4070125 48366 36461.53 11904.47 4058220 01-Sep-13
19 Sep-13 4058220 48366 37200.35 11165.65 4047055 01-Oct-13
20 Oct-13 4047055 48366 37098 11268 4035787 01-Nov-13
21 Nov-13 4035787 48366 36994.71 11371.29 4024415 01-Dec-13
22 Dec-13 4024415 48366 36890.47 11475.53 4012940 01-Jan-14
23 Jan-14 4012940 48366 36785.28 11580.72 4001359 01-Feb-14
24 Feb-14 4001359 48366 36679.13 11686.87 3989672 01-Mar-14
25 Mar-14 3989672 48366 36572 11794 3977878 01-Apr-14
26 Apr-14 3977878 48366 36463.88 11902.12 3965976 01-May-14
27 May-14 3965976 48366 36354.78 12011.22 3953965 01-Jun-14
28 Jun-14 3953965 48366 36244.68 12121.32 3941843 01-Jul-14
29 Jul-14 3941843 48366 36133.56 12232.44 3929611 01-Aug-14
30 Aug-14 3929611 48366 36021.43 12344.57 3917266 01-Sep-14
31 Sep-14 3917266 48366 35908.27 12457.73 3904809 01-Oct-14
32 Oct-14 3904809 48366 35794.08 12571.92 3892237 01-Nov-14
314
000284
ANNEXURE-73
33 Nov-14 3892237 48366 35678.84 12687.16 3879550 01-Dec-14

34 Dec-14 3879550 48366 35562.54 12803.46 3866746 01-Jan-15
35 Jan-15 3866746 48366 35445.17 12920.83 3853825 01-Feb-15
36 Feb-15 3853825 48366 35326.73 13039.27 3840786 01-Mar-15
37 Mar-15 3840786 48366 35207.2 13158.8 3827627 01-Apr-15
38 Apr-15 3827627 48366 35086.58 13279.42 3814348 01-May-15
39 May-15 3814348 48366 34964.85 13401.15 3800946 01-Jun-15
40 Jun-15 3800946 48366 34842.01 13523.99 3787422 01-Jul-15
41 Jul-15 3787422 48366 34718.04 13647.96 3773774 01-Aug-15
42 Aug-15 3773774 48366 34592.93 13773.07 3760001 01-Sep-15
43 Sep-15 3760001 48366 34466.68 13899.32 3746102 01-Oct-15
44 Oct-15 3746102 48366 34339.27 14026.73 3732075 01-Nov-15
45 Nov-15 3732075 48366 34210.69 14155.31 3717920 01-Dec-15
46 Dec-15 3717920 48366 34080.93 14285.07 3703635 01-Jan-16
47 Jan-16 3703635 48366 33949.99 14416.01 3689219 01-Feb-16
48 Feb-16 3689219 48366 33817.84 14548.16 3674671 01-Mar-16
49 Mar-16 3674671 48366 33684.48 14681.52 3659989 01-Apr-16
50 Apr-16 3659989 48366 33549.9 14816.1 3645173 01-May-16
51 May-16 3645173 48366 33414.08 14951.92 3630221 01-Jun-16
52 Jun-16 3630221 48366 33277.03 15088.97 3615132 01-Jul-16
53 Jul-16 3615132 48366 33138.71 15227.29 3599905 01-Aug-16
54 Aug-16 3599905 48366 32999.13 15366.87 3584538 01-Sep-16
55 Sep-16 3584538 48366 32858.26 15507.74 3569030 01-Oct-16
56 Oct-16 3569030 48366 32716.11 15649.89 3553380 01-Nov-16
57 Nov-16 3553380 48366 32572.65 15793.35 3537587 01-Dec-16
58 Dec-16 3537587 48366 32427.88 15938.12 3521649 01-Jan-17
59 Jan-17 3521649 48366 32281.78 16084.22 3505565 01-Feb-17
60 Feb-17 3505565 48366 32134.34 16231.66 3489333 01-Mar-17
61 Mar-17 3489333 48366 31985.55 16380.45 3472952 01-Apr-17
62 Apr-17 3472952 48366 31835.39 16530.61 3456421 01-May-17
63 May-17 3456421 48366 31683.86 16682.14 3439739 01-Jun-17
64 Jun-17 3439739 48366 31530.94 16835.06 3422904 01-Jul-17
65 Jul-17 3422904 48366 31376.62 16989.38 3405915 01-Aug-17
66 Aug-17 3405915 48366 31220.89 17145.11 3388770 01-Sep-17
67 Sep-17 3388770 48366 31063.72 17302.28 3371467 01-Oct-17
68 Oct-17 3371467 48366 30905.12 17460.88 3354007 01-Nov-17
315
000285
ANNEXURE-73
69 Nov-17 3354007 48366 30745.06 17620.94 3336386 01-Dec-17

70 Dec-17 3336386 48366 30583.53 17782.47 3318603 01-Jan-18
71 Jan-18 3318603 48366 30420.53 17945.47 3300658 01-Feb-18
72 Feb-18 3300658 48366 30256.03 18109.97 3282548 01-Mar-18
73 Mar-18 3282548 48366 30090.02 18275.98 3264272 01-Apr-18
74 Apr-18 3264272 48366 29922.49 18443.51 3245828 01-May-18
75 May-18 3245828 48366 29753.43 18612.57 3227216 01-Jun-18
76 Jun-18 3227216 48366 29582.81 18783.19 3208433 01-Jul-18
77 Jul-18 3208433 48366 29410.63 18955.37 3189477 01-Aug-18
78 Aug-18 3189477 48366 29236.88 19129.12 3170348 01-Sep-18
79 Sep-18 3170348 48366 29061.53 19304.47 3151044 01-Oct-18
80 Oct-18 3151044 48366 28884.57 19481.43 3131562 01-Nov-18
81 Nov-18 3131562 48366 28705.99 19660.01 3111902 01-Dec-18
82 Dec-18 3111902 48366 28525.77 19840.23 3092062 01-Jan-19
83 Jan-19 3092062 48366 28343.9 20022.1 3072040 01-Feb-19
84 Feb-19 3072040 48366 28160.37 20205.63 3051834 01-Mar-19
85 Mar-19 3051834 48366 27975.15 20390.85 3031444 01-Apr-19
86 Apr-19 3031444 48366 27788.24 20577.76 3010866 01-May-19
87 May-19 3010866 48366 27599.61 20766.39 2990100 01-Jun-19
88 Jun-19 2990100 48366 27409.25 20956.75 2969143 01-Jul-19
89 Jul-19 2969143 48366 27217.15 21148.85 2947994 01-Aug-19
90 Aug-19 2947994 48366 27023.28 21342.72 2926652 01-Sep-19
91 Sep-19 2926652 48366 26827.64 21538.36 2905113 01-Oct-19
92 Oct-19 2905113 48366 26630.2 21735.8 2883377 01-Nov-19
93 Nov-19 2883377 48366 26430.96 21935.04 2861442 01-Dec-19
94 Dec-19 2861442 48366 26229.89 22136.11 2839306 01-Jan-20
95 Jan-20 2839306 48366 26026.97 22339.03 2816967 01-Feb-20
96 Feb-20 2816967 48366 25822.2 22543.8 2794423 01-Mar-20
97 Mar-20 2794423 48366 25615.55 22750.45 2771673 01-Apr-20
98 Apr-20 2771673 48366 25407 22959 2748714 01-May-20
99 May-20 2748714 48366 25196.55 23169.45 2725545 01-Jun-20
100 Jun-20 2725545 48366 24984.16 23381.84 2702163 01-Jul-20
101 Jul-20 2702163 48366 24769.82 23596.18 2678567 01-Aug-20
102 Aug-20 2678567 48366 24553.53 23812.47 2654754 01-Sep-20
103 Sep-20 2654754 48366 24335.25 24030.75 2630723 01-Oct-20
104 Oct-20 2630723 48366 24114.96 24251.04 2606472 01-Nov-20
316
000286
ANNEXURE-73
105 Nov-20 2606472 48366 23892.66 24473.34 2581999 01-Dec-20

106 Dec-20 2581999 48366 23668.32 24697.68 2557301 01-Jan-21
107 Jan-21 2557301 48366 23441.93 24924.07 2532377 01-Feb-21
108 Feb-21 2532377 48366 23213.46 25152.54 2507225 01-Mar-21
109 Mar-21 2507225 48366 22982.89 25383.11 2481842 01-Apr-21
110 Apr-21 2481842 48366 22750.22 25615.78 2456226 01-May-21
111 May-21 2456226 48366 22515.41 25850.59 2430376 01-Jun-21
112 Jun-21 2430376 48366 22278.44 26087.56 2404288 01-Jul-21
113 Jul-21 2404288 48366 22039.31 26326.69 2377961 01-Aug-21
114 Aug-21 2377961 48366 21797.98 26568.02 2351393 01-Sep-21
115 Sep-21 2351393 48366 21554.44 26811.56 2324582 01-Oct-21
116 Oct-21 2324582 48366 21308.67 27057.33 2297524 01-Nov-21
117 Nov-21 2297524 48366 21060.64 27305.36 2270219 01-Dec-21
118 Dec-21 2270219 48366 20810.34 27555.66 2242663 01-Jan-22
119 Jan-22 2242663 48366 20557.75 27808.25 2214855 01-Feb-22
120 Feb-22 2214855 48366 20302.84 28063.16 2186792 01-Mar-22
121 Mar-22 2186792 48366 20045.59 28320.41 2158472 01-Apr-22
122 Apr-22 2158472 48366 19785.99 28580.01 2129892 01-May-22
123 May-22 2129892 48366 19524.01 28841.99 2101050 01-Jun-22
124 Jun-22 2101050 48366 19259.63 29106.37 2071944 01-Jul-22
125 Jul-22 2071944 48366 18992.82 29373.18 2042570 01-Aug-22
126 Aug-22 2042570 48366 18723.56 29642.44 2012928 01-Sep-22
127 Sep-22 2012928 48366 18451.84 29914.16 1983014 01-Oct-22
128 Oct-22 1983014 48366 18177.63 30188.37 1952825 01-Nov-22
129 Nov-22 1952825 48366 17900.9 30465.1 1922360 01-Dec-22
130 Dec-22 1922360 48366 17621.64 30744.36 1891616 01-Jan-23
131 Jan-23 1891616 48366 17339.81 31026.19 1860590 01-Feb-23
132 Feb-23 1860590 48366 17055.41 31310.59 1829279 01-Mar-23
133 Mar-23 1829279 48366 16768.39 31597.61 1797682 01-Apr-23
134 Apr-23 1797682 48366 16478.75 31887.25 1765795 01-May-23
135 May-23 1765795 48366 16186.45 32179.55 1733615 01-Jun-23
136 Jun-23 1733615 48366 15891.47 32474.53 1701141 01-Jul-23
137 Jul-23 1701141 48366 15593.79 32772.21 1668368 01-Aug-23
138 Aug-23 1668368 48366 15293.38 33072.62 1635296 01-Sep-23
139 Sep-23 1635296 48366 14990.21 33375.79 1601920 01-Oct-23
140 Oct-23 1601920 48366 14684.27 33681.73 1568238 01-Nov-23
317
000287
ANNEXURE-73
141 Nov-23 1568238 48366 14375.52 33990.48 1534248 01-Dec-23

142 Dec-23 1534248 48366 14063.94 34302.06 1499946 01-Jan-24
143 Jan-24 1499946 48366 13749.5 34616.5 1465329 01-Feb-24
144 Feb-24 1465329 48366 13432.19 34933.81 1430395 01-Mar-24
145 Mar-24 1430395 48366 13111.96 35254.04 1395141 01-Apr-24
146 Apr-24 1395141 48366 12788.79 35577.21 1359564 01-May-24
147 May-24 1359564 48366 12462.67 35903.33 1323660 01-Jun-24
148 Jun-24 1323660 48366 12133.55 36232.45 1287428 01-Jul-24
149 Jul-24 1287428 48366 11801.42 36564.58 1250863 01-Aug-24
150 Aug-24 1250863 48366 11466.25 36899.75 1213964 01-Sep-24
151 Sep-24 1213964 48366 11128 37238 1176726 01-Oct-24
152 Oct-24 1176726 48366 10786.65 37579.35 1139146 01-Nov-24
153 Nov-24 1139146 48366 10442.17 37923.83 1101223 01-Dec-24
154 Dec-24 1101223 48366 10094.54 38271.46 1062951 01-Jan-25
155 Jan-25 1062951 48366 9743.718 38622.28 1024329 01-Feb-25
156 Feb-25 1024329 48366 9389.68 38976.32 985352.5 01-Mar-25
157 Mar-25 985352.5 48366 9032.397 39333.6 946018.8 01-Apr-25
158 Apr-25 946019 48366 8671.841 39694.16 906324.8 01-May-25
159 May-25 906324.8 48366 8307.978 40058.02 866266.8 01-Jun-25
160 Jun-25 866266.8 48366 7940.779 40425.22 825841.6 01-Jul-25
161 Jul-25 825841.6 48366 7570.215 40795.79 785045.8 01-Aug-25
162 Aug-25 785045.8 48366 7196.253 41169.75 743876.1 01-Sep-25
163 Sep-25 743876.1 48366 6818.864 41547.14 702328.9 01-Oct-25
164 Oct-25 702328.9 48366 6438.015 41927.98 660400.9 01-Nov-25
165 Nov-25 660400.9 48366 6053.675 42312.32 618088.6 01-Dec-25
166 Dec-25 618088.6 48366 5665.812 42700.19 575388.4 01-Jan-26
167 Jan-26 575388.4 48366 5274.394 43091.61 532296.8 01-Feb-26
168 Feb-26 532296.8 48366 4879.388 43486.61 488810.2 01-Mar-26
169 Mar-26 488810.2 48366 4480.76 43885.24 444925 01-Apr-26
170 Apr-26 444925 48366 4078.479 44287.52 400637.5 01-May-26
171 May-26 400637.5 48366 3672.51 44693.49 355944 01-Jun-26
172 Jun-26 355944 48366 3262.82 45103.18 310840.8 01-Jul-26
173 Jul-26 310840.8 48366 2849.374 45516.63 265324.2 01-Aug-26
174 Aug-26 265324.2 48366 2432.138 45933.86 219390.3 01-Sep-26
175 Sep-26 219390.3 48366 2011.078 46354.92 173035.4 01-Oct-26
176 Oct-26 173035.4 48366 1586.158 46779.84 126255.6 01-Nov-26
318
000288
ANNEXURE-73
177 Nov-26 126255.6 48366 1157.343 47208.66 79046.9 01-Dec-26

178 Dec-26 79046.9 48366 724.5966 47641.4 31405.5 01-Jan-27
179 Jan-27 31405.5 48366 287.8837 48078.12 -16672.6 01-Feb-27
000289
ANNEXURE-74
Neeraj Kumar Jha <neeraj.jha@adjlegal.com> Mon, Dec 15, 2014 at 3:11 PM
To: amol.rane@icicibank.com
/DSMGEMCT/IBANK/BHOPAL <ganapathi.subramanian@icicibank.com>, Advocate Anant Upadhyay
<upadhyayanant@gmail.com>, rati Jha <rati.agnihotri@adjlegal.com>
Dear Amol,
As per our telcon today followed with the meeting held at your office and seeing the trailing mail, I didn’t find
any reasonable effort from your part to address my grievances, however you and your seniors had verbally
accepted their mistakes and acknowledged their balatant breach of contract at your end, but they were
unable to take any reasonable decision, seeing and waiting to find an amicable solution for our grievances it
seems to me a total loss of my time and energy.
The Amortisation Schedule as annexed in your trailing mail had been prepared without any application of
mind and finally my hope out of your series of meetings with different officials of ICICI Bank and assuring me
to resolve the issues within 23 days of each meeting, which had ended up taking 28 months and still
unresolved had become an another set of harassment to me (both applicant and coapplicant).
I doubt that in each and every meeting you had came up with different set of frivolous offers which does not
have any corelation of previously held meetings. Therefore, it seems that your bank had never attempted to
look at the grieviance of the customer rather had taken a different route to see their own benefits with all
possible means. It is pertinent to note that none of the offer for the resolution towards this case which was
verbally taken into consideration by your officials at the meetings had never been put in writing and sent to
me.
If this is the practise being adopted by your bank, I firmly believe your bank is in urgent need to amend its
policies with immediate effect or otherwise the consequences of it and its impact would be so huge for which
the bank shall be victim of its own malpractices.
Seeing all this, I literally lost faith in ICICI Bank.
Thanking You,
Very truly yours,
Neeraj Jha
<Amortization Schedule.xls>
Very truly yours,

Neeraj Kumar Jha [LL.B (Hons.), LL.M-IPR & IT] Bar Regn: UP9104/02 |ADVOCATE & CONSULTANT| E-
mail: neeraj.jha@adjlegal.com|Mob: +91-9819967711
BOOK YOUR APPOINTMENT
Head Office: 1501, Antarctica- C, Lodha Aqua, Off. W.E Highway, Opp. Thakur Mall, Near Dahisar Toll Plaza, Mumbai,
Maharashtra, INDIA. Pin- 401107. Corporate Office: A-27, Gr. Floor, Ram Kutir Bungalow, Pushtikar Society, Jogeshwari
(W), Mumbai, Maharashtra, INDIA. Pin- 400 102 CONFIDENTIAL ATTORNEY- CLIENT PRIVILEGED
000290
ANNEXURE- 75
Amol Rane <amol.rane@icicibank.com> Wed, Dec 24, 2014 at 6:38 PM
/DSMGEMCT/IBANK/BHOPAL <ganapathi.subramanian@icicibank.com>
Dear Sir,
Greetings from ICICI Bank Ltd.
We refer to your mail dated December 15, 2014 regarding your Home Loan facility availed from ICICI Bank
Ltd. (hereinafter referred to as "the Bank"). At the outset we deny the allegations made by you against the
Bank in your captioned communication.
We at ICICI Bank Ltd are customer driven and always keen in resolving the customer's issues (if any) with
proper solutions, as we have tried to do in the present matter also, please note that the Bank acknowledges
that a service related issue had arisen in your matter and the Bank had attempted to resolve the said issue in
the month of October, 2013 by waiving an amount of Rs. 80,703/ against processing fees, overdue charges
and bouncing charges and the same is also reflecting in your statement of account, however you have
refused to accept the waiver amount and denied to pay the outstanding amount and further EMI's. Please
note that we had also discussed the said issue in our various meetings, wherein we have attempted to arrive
at an amicable closure of this issue.
With regards to the issue raised with respect to the Amortization schedule, we would like to inform you that in
our meeting held on December 5, 2014 wherein we had discussed that how your amortization schedule could
have taken place under normal circumstances and the same has been forwarded to you.
With respect to the issues raised by you with regards to the practice and polices followed by the Bank we wish
to state that ICICI Bank adopts and follows fair practices code as per the guidelines laid down by the Reserve
Bank Of India. Regarding your suggestion for amendment of the policies, we review/amend our policies time
to time as per the guidelines laid down by the Reserve Bank Of India.
As discussed in the meeting regarding your loss due to penalties paid to the builder we request you to share
the necessary details and receipts given by the builder for taking necessary steps in this regard and closure of
this matter.
We are keen to resolve the doubts in your mind and awaiting your response.
--
Thanks & Regards
Amol J Rane
DSMG MORTGAGE
use of the intended recipient and may contain proprietary, confidential or legally privileged information. If you
are not the intended recipient, please note that you are not authorised to disseminate, distribute or copy this
email or any parts of it or act upon/rely on the contents of this email in any manner. Please notify the sender
immediately by email and destroy all copies of this email and any attachments. Please also note that ICICI
or ensure or guarantee the integrity of/over the contents of the information contained in email transmissions

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1

March 30, 2015

Ref.: 1. Home Loan Account Number LBMUM00001867601

Sr. Date Particulars

Bank). Accordingly, we got the sanction letter dated

calculated on the Home Loan amount of

the cheque for disbursal in time. Thereafter, on

13) 13.10.2011 That we had sent an email to Nilambari Sapate from

informed earlier that the last day to comply the

17) 18.11.2011 That we received mail from Nilambari Sapate from

the builder’s demand letter of Rs. 659,534 only an

That an e-mail dated 02.01.2012 was sent to ICICI

20) 03.01.2012 That we had received an e-mail dated 03.01.2012

24) 18.01.2012 That we received a reply for the complaint lodged at

the customer care department towards the problem

25) 03.02.2012 That a text message was sent by us to Dabapriya of

On the same day, we sent an e-mail to the Bank

26) 07.02.2012 That we had sent a mail to the Bank informing

lapse of due date which was much higher than the

As per the mail sent by the banker on 10th

response/feedback from the bank.

On the same day, the same text message was also

On the same day also a text message was sent to

Due to a lot of mismanagement and problems faced

After making a lot of efforts to reach and

33) 09.03.2012 That we received a demand letter immediately two

34) 15.03.2012 That we had dropped an email to Ms Mili from the

penalty charged by them due to delayed payments.

On the same day, we also received an email from

35) 16.03.2012 That in reply to the above email, we received an

36) 03.04.2012 That we again received a notice from the Builder

39) 17.04.2012 That we received a notice dated 11.04.2012 from

were not able to pay the demands of the Builder in

That the said demand letter received from the

41) 02.05.2012 That we received a demand letter from the Builder

42) 16.05.2012 That a further demand letter was received by us

44) 22.06.2012 That a further demand letter was received by us

45) 13.07.2012 That we received a demand letter from the Builder

On the same day, we received via email a demand

Also we received the hard copy of the demand letter

on 21st July 2012 sent to us by the Builder via

On the same day, we replied to the email and

We again dropped an Email to the Banker on 7th

Again on the same day, we received the Hard Copy

48) 17.08.2012 That a further demand letter was received by us

51) 01.10.2012 That Ms. Mili of the Builder sent us an email

52) 03.10.2012 That we sent an email to Mr Tushar Hebalkar of

payments would be done, despite which the

53) 10.10.2012 In perspective to the above email, we sent an email

54) 23.10.2012 That we received another demand letters from the

mentioned notice for ICICI Bank’s reference. We did

had to be reimbursed to us as per the demand

accordance with the gold loan account with Greater

74) 26.08.2014 That Mr Amol Rane of ICICI Bank called us up for a

Bank after discussion with Mr. Amol. (Annexure

77) 11.12.2014 That as discussed, Mr. Amol Rane of ICICI Bank

78) 15.12.2014 That we sent an email to the ICICI officials with

80) 31.01.2015 That as well as Mrs. Rati Agnihotri received a

for financial assistance for home loan of Rs. 48, 00,

Ref: Representation/Objections under Section 13(3A) to your Notice u/s 13 (2) of

Sub: Home Loan Account Number LBMUM00001867601

S.No. Particulars of Documents Page

1 41414 0 FC 6 B ( 9 ( 8/73/284 31-35

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