I Am The Victim For Being The Customer Of Mr. Bank

I Am The Victim For Being The Customer Of Mr

I Am The Victim For Being The Customer Of Mr. Bank

Although it seems weird to write on a specific incident that I had with Mr. Bank,I felt,for the sake of myself and other customers,that I must share with my reasonable readersmy unique experience that I hadon sub-standard service, irresponsible behavior, and unexplainable actions by Miss Monkey in dealing with my Housing Loan.

Let me first introduce myself as one of Mr. Bank's customers, and, in the same time, one of the victims of such a lady - Miss Monkey.

I did not imagine that a day will come to see how I get kicked by monkeys for being a customer of Mr. Bank. It seems, during these days of the modern time, and the so called the twenty first century, I had theunbelievablechance to see monkeys running around and driving financial institutions - banks - instead of being trapped in dirty cages in the national zoo. Or maybe the country did not have thecapacity to control those huge number of monkeys, so they got the golden opportunity to escape from the zoo and take advantage of thedeterioratedreality of the human race to spread inside the community as apes and take reputable positions in the workplace. This picture reminds me with the movie "Planet of The Apes."

I have a very interesting story to share with all my lovely readers about Mr. Bank, who appeared to employ monkeys instead of human beings.

My story started when I got the green light from the developer to go ahead and initiate the process of financing the property that I committed in buying two years back. Upon the advice of a dear friend of mine, I chose Mr. Bank for such a transaction. Maybe I had in mind specific requirements in doing such a transaction but I assumed working with human beings as bankers will make everything easy and smooth. I did not realize at that time that I was diving deep into my dreams ;-)

I will not go through the tiny details, and stupiddifficultiesof applying for such a housing loan with Mr. Bank, but I will slowly go through the events that took place during the last week of the month.

Missing Documents:

The interesting story started on Tuesday when the developer, from whom I bought my property, approached Mr. Bank for the execution of Mr. Bank's conditional undertaking while carrying all the required documents that prove compliance with the listed conditions.

At that point in time, Miss Monkey made lot of problems and huge issues in order not toexecute the presented conditional undertaking, and nottomake the payment to the developer on the basis of missing the loan agreements, which were signed by the borrower, from Mr. Bank's custody.

I am sure you agree with me that it is neither the beneficiary's nor the customer's responsibility if Mr. Bank happened to lose such essential and important documents.

The Developer said to Mr. Bank, "Excuse me, what the hell you are talking about. I have in my hand a legal obligation instrument that obliges you - Mr. Bank - to pay on satisfying the conditions listed in the letter irrespective to the condition of the relationship between you and your borrower." Miss Monkey said, "the case is understood but Mr. Bank is missing the loan agreements that were signed by the borrower, and they are essential for the execution of such commitment."

Did you see how the banking secrecy was breached, and theirresponsibilitywas unintentionally exposed. What a smart Miss Monkey - who had the power to stop the execution of such document on no basis.

Recovering The Documents:

Fortunate enough, I had reasonable human being available with Mr. Bank to worklogicallyandprofessionallyto save the situation, and, accordingly, the payment was authorized, and disbursed to the developer. AsMiss Monkey refused to release the remaining balance of my housing loan into my current account on the basis that Miss Monkey wanted to recover the missing documents, Miss Monkey requested me to sign on new documents in order complete the file, and, accordingly, Mr. Bank will release the remaining balance of my housing loan to my current account.

It seems that if Mr. Bank loses important documents, the victim has to pay the cost of recovering such documents.

I said to Mr. Bank, "what on earth are you talking about. Is it my responsibility if Mr. Bank is mixed-up on where the documents were placed." Mr. Bank, surprisingly, was firm in his reply by saying "the funds will not be released unless the complete documents are in place."

Anyhow and with hesitation, I expressed my complete willingness to sign another set of such documents. So,I said to Mr. Bank, "Okay, send me the documents by email as an attachment immediately in order for me to print the attachments, put my signature on the documents, and send them back to you by courier."Two days - Wednesday and Thursday - passed, and I did not receive anything.

As per your estimate, how long does it need to send an email?

Nevertheless, I got a call from Mr. Bank on Thursday evening, instead of receiving thewaited email, to inform me that the original sets of documents were found.Therefore, Mr. Bank will be in a better position to release the funds on the following morning of Friday.

Could you please help a normal human being, like me, to understand how Mr. Bank in the first place claimed that he lost the documents, and, then, found the documents laying in the safe, as per Miss Chimpanzee'sstory.

New Document Is Missing:

On Friday morning I made an inquiry on the release of my money. Unfortunately, I got a slap on my face instead of money in my current account when Miss Chimpanzee told me that the monkeys of Mr. Bank forgot to make me sign on a special promise.

In reaction to Miss Chimpanzee I got wildat that moment in time, and I told Miss Chimpanzee that this promise was already available in the Housing Loan Agreement, which I signed with Mr. Bank, as a term of the contract.

How come the monkeys of Mr. Bank do not know what terms they make the customer to sign on, and, on top of that, do not communicate immediately and efficiently with the customer if there was something missing or incomplete.

I asked Miss Chimpanzee, "why do I need to sign on another paper? and if it was the case, why did not you call me, notify me, and send me the document in order to do the needful at the earliest."I made a huge buzz out of such incident.

But in the same morning of that Friday, I got a call from Mr. Bank, who told me that the funds would be released into my current account within maximum of one hour. That telephonic conversation was held around 10:30am in that morning.

Amazing, how come in the morning I was required to sign on a specific document, where as in few minuteseverythingwas ok.

Anyhow, I made an inquiry on my account's balance in the afternoon of Friday at around 3:45pm to find out that the internal transfer was not done.

Were you able to notice how many monkeys were involved in order to release the money, and, unfortunately, they were unable to make any kind of development, just because of Miss Monkey's mood.

On Saturday morning I was approached by Mr. Bank to send an electronic instruction by email because the excuse at that time turned to be that Miss Monkey did not have in hand a clear instruction from the victim to where the funds should be transferred.

As I have an email indemnity in place with Mr. Bank, I sent an electronic instruction by email to request the transfer of the remaining balance into my current account. Although I sent the electronic instruction to the bank at around 10:45am in the morning, and, accordingly, Miss Monkey was clearly, and immediately instructed to execute the transfer, by end of day Saturday the instruction was not executed and the transfer was not made.

What shall I do???

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