Kind Action Please October 14, 2003

From: To
Mr. Dilip Kumar Patro The General Manager- Kind Attn: Mr. T.P. Banerjee
Sashiraj Palace, Executive for Public Grievance
Door N. 49-27-10, Madhuranagar (Operations, Services & Planning)
Visakhapatnam-A.P Bank of Baroda-Head Office,
E-mail ID: dkpatro@sancharnet.in Suraj Plaza -1, 6th floor,Sayajiganj, Maganwadi,
Ph: 0891-2575075 Baroda-390005.

.
Esteemed Sir,

Very good morning to you. I wish to express my thankfulness and gratitude to Mr.
Venkateswarulu, Senior Branch Manager, Main Branch, BOB, Visakhapatnam for visiting my
house and sanctioning of home loan.

Sir, I, Dilip Kumar Patro, met with a gruesome road accident in 1997,that paralyzed me neck
down. Today, although physically I am confined to my bed with no mobility, I now use a powered
wheel chair to move about out side that helps to fulfill my aspirations in establishing myself as an
independent individual to go forward in life. This letter of mine is a saga of my inner courage and
testament of my love for excellence. You inspire me to write to you and I fervently believe that
your magnanimous heart shall do the needful.

I ardently request your kind attention and compassionate understanding. I render my sincere
apologies for this may take a little time off your hectic schedule. Sir, I request you to please go
through the contents of my letter, step by step, day after day running around from pillar to post
under excruciatingly painful circumstances.

Please read through the following aspects:

1. Sir, we are having current account in your bank since 1988.

2. Sir, let me inform you since 1999 we have credit limits of Rs. 7.8 Lakhs on one of our firm
Kamadhenu Traders as a collateral security on our vacant site.
3. On the day 6-5-2002 we have taken a housing loan on my mother’s name Mrs. U. Sasi
Rekha for Rs. 10 Lakhs for the construction of house on the above vacant site.
4. Sir, in the month of January 2003 we made a special request to the Branch Manger,
BOB, Visakhapatnam for a sanction of an additional loan of Rs.10 lacs as housing loan
as there was change in the building plan but he refused to do the same.
5. Due to this unavoidable circumstances, on February 15, 2003 I approached State Bank
of India, housing loan mela festival for the additional loan. In principle they sanctioned me
Rs 20 lacs as additional housing loan and take over Rs 10 lacs existing housing loan
from your bank. So totally they sanctioned me Rs 30 lacs as a housing loan.
6. Meanwhile, due to delay in releasing the loan from State Bank of India. On 29th June I
approached again Indian Overseas Bank housing loan mela festival and on the spot they
have sanctioned me the requested amount. I approached the Branch Manager, Main
Branch, Bank of Baroda in the first week of July for release of the title deed
7. Immediately the Branch Manager replied me with a positive attitude and enquired about
the reason behind it after listening patiently to the telephonic conversation, Sir, at last he
has sanctioned me on 21st July Rs 10 lacs as an additional housing loan after my
personal visit to his office.
8. Fortunately on 23rd July the SBI came with a sanction letter for Rs 30 lacs, as I have
given written complain to the Chairman SBI in the month of May. The DGM of SBI
personally apologized me for the inconvenience faced by me.

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Kind Action Please October 14, 2003
On 23rd September 2003 with due formalities I have switched over to State Bank of India. Sir, as
requested by the senior Branch Manager I have paid the prepayment charges of Rs. 50,000/-
plus an additional Rs. 1000/- as legal charges.

The reason for me to switch over to the other bank are as follows:

o First of all, we are enjoying total term loan of Rs. 20 Lakhs and the house security is also
held as collateral for the credit limits of Rs. 7.80 Lakhs enjoyed by Kamdhenu Traders our
associate and a vehicle loan of Rs. 35,000 enjoyed by Mr. Rajeswar Patro.
o As I have mentioned earlier to the manager, the present business is in a poor condition
and also I have stated to him that we have closed down one of the firm i.e. Kamadhenu
Traders and I requested him to transfer the credit limit of Rs. 7.8 Lakhs to my housing
loan. But, he has given me only one option i.e the credit limit should be transferred to
some other firm and not towards my housing loan.
o Third point is that I am saving interest component @3% for the amount of Rs. 7.8 Lakhs
if the limit is transferred to the housing loan.

These are the above reasons that made me to switch over as the SBI sanctioned a total of Rs. 30
Lakhs as housing loan. The above three points have been informed earlier to the senior branch
manager Mr. K. Venkateswarulu before switching over.

Sir, I want to hereby inform you the following details of both the term loans:

1. My first loan was sanctioned on 6th May 2002 and term is 120 months with 108 monthly
installment for Rs 14,488 each (EMI) and the first installment to commence from May
2003. In case of full prepayment or foreclosure, the fee @ 2% on amount prepaid
including any such amount prepaid in the last financial year shall be payable (
Ref..BR:ADV:38 ----- Dt 06.05.2002 )
2. The second loan was sanctioned on 21-7-2003 for a period of 217 months, In case of full
prepayment or foreclosure, the fee @ 3% on amount prepaid including any such amount
prepaid in the last financial year shall be payable ( Ref..VSP/ADV/ ---- Dt 21.07.2002 )

Sir, the purpose of my plea to you for your kind consideration favourably towards the waiver of the
prepayment penalty of Rs. 50,000 for both the term loans (Term loan 1 - Prepayment
clause @2% - Rs. 20,000/- plus Term Loan 2 - Prepayment clause @3%- Rs. 30,000/-).
Especially I want to make a note for your kind reference regarding the second loan was
sanctioned to me in the month of July 2003 and the take over date is 23rd of Septemeber.

Sir, let me know your recent mail id as the mails that I sent you earlier have bounced back.

Our family received very valuable support and services from Bank Of Baroda for the past 15
years and we are proud to be your customers. Now also, you are our best hope and I’m sure that
we shall be helped to the maximum extent. This is my last hope from you who can rescue me at
this juncture.

With Warm Regards,

Dilip Patro

TOGETHER, THE POSSIBILITIES ARE ENDLESS

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Kind Action Please October 14, 2003

Shri T.P.Banerjee Bank of Baroda (0265) (0265) gm.ops.ho@bankofbaroda.com

General Manager Head Office, 2363001 2362914
(Operations, Suraj Plaza -1,
Services & 6th floor, PBX-
Planning) Sayajiganj, 2361852
Maganwadi,
Baroda-
390005.

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Kind Action Please October 14, 2003

PRIVATE AND CONFIDENTIAL

To

Shri T.P.Banerjee
General Manager
(Operations, Services & Planning)
Bank of Baroda
Head Office,
Suraj Plaza -1, 6th floor,
Sayajiganj, Maganwadi,
Baroda-390005.

From:
Mr. Dilip Kumar Patro
Sashiraj Palace,
Door N. 49-27-10, Madhuranagar
Visakhapatnam-A.P
PIN-530016
E-mail ID: dkpatro@sancharnet.in
Ph: 0891-2575075

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