1.the first and the major mistake was done by sri ramnaresh himself and he has to pay because he has not completely taken note of the various clauses in the personnel loan agreement form including the foreclosure charges.a copy of the agreement will be given to the borrower by the bank.until and unless he is satisfied about each and every clause he should sign the agreement or else get the difficult clauses clarified. 2.normally what is happening is people want loan easily and very fast.such prime banks cash in on such psyche of the customers telling that personal loan will be sanctioned within 2 hrs or at the most a day. 3.the personal loan documents will have blanks at the time of signing.because this documentation will be looked after by other department there will be discrepancy with the credit appraisal officer. 4.this problem of good service can not be addressed because service part depends upon the person in post.one person at present may give good service but when he is trfd we cannot expect the same. 5.one of the many emails could have been marked copy to Banking ombudsman Customer complaints RBI. 6 till the loan is apprvd circle around bank then it is banks turn..
