To,

Aavas Financiers Limited,

(Former AU Small Financiers Ltd)

Branch Manager,

Borivali Branch,

Mumbai :-400066

Subject :- Non-Co-operation from your finance company and mental harassment

at your finance company in this Loan Account no- LNBOR00315-160022969.

Dear sir ,

1) Your organization was carrying a business of finance providing under the

name of AU Small Financiers Limited ( Aavas Financiers Limited ).

2) Your organization and Builder Mr. Kamlakar Patil firm name of the M/s

Samarth Developers jointly published on advertisement at various places.

Representative’s of M/s AU Small financiers Limited ( Aavas Financiers

Limited ) assured about genuinity of the building project.

3) Upon keeping trust on M/s. AU Small financiers Limited (Aavas

Financiers Limited ) and Mr. Kamlakar Patil i.e builder, I booked a flat in

the said building.

4) I was badly in need of a house at that time I booked a flat for my personal

needs.
5) Thereafter Rs. 268800.00 was disbursed in favours of builder ( Shree

Samarth Builders & Developers) my EMI started to deduct Rs. 3136.00

per month, but after some month increase EMI Amount to Rs.3237.
6) I started to repay EMI sincerely but in year 2017 the building was

demolished by Municipal Corporation of Vasai-Virar Palghar the said

building was not approved by concerned authority. I become very much

shocked. I started to run here and there, I contacted to M/s AU Small

Finance Limited representatives. They assured that not to worry and again

assured about genuinity of building. Representatives of M/s AU Small

finance Limited also assured that we took legal search report of building in

fact charges of legal search were also taken for me.

The types of charges taken by me
1- Cersai Registration Charge Rs. 753.00, from me
2. Rcu Charges Rs. 700.00, from me
3. Valuation Charges Rs. 1500.00, from me
4. Processing Fee Rs. 12824.00, from me
5. Legal Charges Rs. 5000.00, from me
6. Service Charge Rs. 1282.00, from me
7. Fire Insurance Property Rs. 1464.00, from me
8. Stamping charges Rs. 1120.00, from me
9. Equitable Mortgage Rs. 1000.00 from me .
10. Building Insurance charges Rs from me.
7) There after as assured by M/s AU Small Finance, the work of builder

again started. I became happy and got relaxed. But it was again

demolished year 2018 by Municipal Corporation of Vasai-Virar Palghar.

8) Therefore I become very upset my dreams got shattered. I was cheated by

M/s AU Small finance Limited ( now Aavas Financiers Limited) and Mr.

Kamlakar Patil ( Builders ) therefor I lost faith form your organization.

9) For initiation a case against Mr. Kamlakar Dattaram Patil ( Builder ) Shree

Samarth Builders & Developers. I need various paper from your company
 but you did not co-operated you always tried to hide Mr. Kamlakar

Dattaram Patil ( Builders ) you did not give

1. I. O. D Paper copy.
2. C. C. paper copy.
3. Development Plan paper Copy.
3. Legal search papers.
4. Development Agreement papar copy etc to me.

10) Many times I visited to your office in this connection but you intentionally

ignored. At initial talks representatives of M/s AU Small Finance Ltd also

told that we have took insurance fees form you. In this connection I

needed insurance documents for claim of compensation. But your

organization’s intention was always to safeguard Mr. Kamlakar Dattaram

Patil ( Builders ). I got harassed at your hands.

11) As far as EMI was concerned I sincerely paid EMIs. But my amount was

not deducted from total outstandings. Till today your organization has paid

Mr. Kamlakar Dattaram Patil ( Builders ) Rs _______________. The

amount I paid by way of EMI is of Rs ____________. As per your latest

statement outstanding amount towards me is of Rs_______________

which is very unfair. The amount is not reducing from outstanding

amount. If this situation continues I cannot repay the loan for whole life.

Hence in order to settle this issue I stopped my EMI by giving you due

notice.
12) By this letter I again remind you that I was & is always ready to repay my

loan amount, but I need relevant papers to file cases against the builder.

You are expects not to hide builder have it is revert to you to provide

copies. I am giving this complaint to Reserve Bank of India also.

Date
Place
 Thanking you

Abhinayak Pal

Copy Sent to :

1. Reserve Bank of India.

2. NBFC Ombudsman

3. Press Trust of India