Relationship Advice Blog Launched

A new blog on relationship advice has been launched. The blog aims to cover all the positive and negative side of life that relate to relationships. Every human being in this world is bound by tags and those tags are nothing but relationships. You are husband, brother, son, uncle and even dad at same time. Each relationship brings with itself new set of responsibilties that in way define the relation ship. Thankfully help is at hand and if you want to know the best ways handle relationships then you have come to the right place. You will get lot of information and resources related to relationship.

Visit the Relationship Advice Blog.
Some posts has been published which are given below.
The Top Relationship Questions To Ask Your Lover
How To Create Positive Relationships With Others
The Signs Of A Committed Relationship
The Biggest Signs Of Cheating In A Relationship
Ways To End Relationships
Surviving A Long Distance Relationship
Release Guilt And Resentment
Falling In Love Again
Online Relationship Advice – Why You Need It

Do visit blog and let us know your views.                                                              

SBI Tells Its Home Loan Customers To Go To Hell

Interesting mail form a customer whose Home Loan transfer case was delayed by 3 months and when he complained there was no one to listen to him—surprisingly not even Chairman Office. State Bank of India which claims to be the bank of today still live in primitive days where the Rule of Babu’s prevailed.

The complainant under question was harassed for 3 months and he is subsequently been trying for last 2 months to reach Chairman Mr. O.P. Bhatt Office. End result no one except the branch against whom complaint is made is constantly harassing him. Also his papers returned after deducting much amount and without returning 2 out of 3 cheques. The cheques got misplaced as per SBI.

The mail which I could get is a recent one and the one which is 10th to 11th mail in series that was addressed to chairman Mr. O. P.Bhatt.

SBI, Large, mammoth Bank and see how they flex their muscles.

Mr. O.P. Bhatt, this is real case which I am following, let’s see how much your office stand to your words related to COMMON MAN.

Here goes the mail--------GOOD MORNING INDIA
(name has not been given to hide the identity. The purpose is to expose the working and high handedness of SBI)
-------------------------------------------------------------------------------------------------
Dear Chairman Sir,

This is the first time I received call from RASMECCC, Ghaziabad, in which he told me to “GO TO HELL”.

In all these 4 months this was first call I got related to my case.

The call started by Officer threatening me “Why I am pursuing my case now when whole thing has been closed?” I told them that no due diligence has been done and my papers have been rejected because of invalid reasons and this is why I am pursuing it.

I gave due respect by saying Good Evening and even requesting him to hear my case out.

The Officer was not at all interested to hear anything and instead starting telling me why he has all the powers to reject it. The Officer told me that I am not customer of SBI and SBI is in no way answerable to me. Also my complaints don’t matter to SBI and no matter what I say- No one would listen to me. I can go to any extent- to Chairman, LHO, or even RTI my case would not be taken forward.

He told me that I am doing character assassination of his employees. To which I told him that I never brought up name of employees first and I have no enmity with them. It is he who brought up the names first. Also as per Officer, complaining against the delay in my case against his branch and concerned authorities is character assassination for him. He was more concerned about the complaint made and 3 months of delay, harassment faced by me was of little concern for him.

The level of threat and yelling increased as he told me that I have no right to make a complaint especially when it has been rejected. At this point I also lost my cool and I told him that I was well aware that you have rejected my case and I never addressed my complaint to you. The mail was sent to Mr. Chairman and he was only cced on it. It is he who is interfering in my zeal to get justice.

At this point he yelled at me and said- You go to RBI Governor, You Go to Barrack Obama, You Go To Hell---and he banged his phone

I have taken the note of threat I received today and the way it was given it was malign, life threatening, and defamatory in nature.

I thought I was dealing with SBI (As per SBI Chairman Mr. O.P. Bhatt – a Bank for the common people) but I didn’t knew it was a Bank which tell customers to Go To Hell.

The discomfort of AGM itself tells who is right and who is wrong.

25% of my processing fee has been deducted from the complete amount based on incomplete and biased assessment. Also my two cheques amounting Rs. 1500 and Rs. 2000 has not been returned. The money and time spent warrants that my case should be heard in a fair manner.

The silence of you all from Mumbai, LHO Delhi tells me that there is no one to hear my case and instead I am making my enemies in RASMECCC, Ghaziabad. My purpose was to get loan and not make enemies.

For last 2 months I am mailing to Chairman office but no one is replying to me. Only Ghaziabad, RASMECCC is corresponding with me against whose branch the complaint has been made. I want to hear the last word from Chairman office regarding my complaint as my complaint was with the Chairman Office for taking final decision or for next steps.

Regards,                                                              

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Home Loan Balance transfer Process From Axis Bank To SBI has started

I have finally started my home loan balance transfer process from Axis Bank to State Bank of India. What attracted me towards SBI is the offer they currently have in market. The rate of interest if fixed for first three years and the rate is minimal. On top of that they have option of a MaxGain account which really makes your money earn more than what it normally earns in a fixed deposit or savings account. Though there are many banks like standard chartered, Citibank , hsbc etc. that offer such feature, only difference is that on their overdraft amount they charge more percentage. Additionally rate rise is always high in private sector banks than public.

I personally feel that Axis bank is best choice amongst all private sector banks. I do maintain another home loan from HDFC but Axis bank is way too superior. The customer service of Axis Bank is simply to amazing and it is fun having them as their home loan provider. if they are eager too increase rate they are very quick to decrease it too. But where they fail is offering something innovative like the maxgain in SBI and moderating interest rates. If I would have this product with them, the chances of me switching the account would have been minimum.

Most banks like HDFC, ICICI etc. fail to realize that if they help their customer close their loan soon it will help them only to get new business. Their home loan rate policies and rate increases are so erratic and disturbing that it feels you have become their slave for life. On other end SBI, IDBI etc. banks, mostly public sector, normally don’t act and sound so greedy.

You need to start somewhere in life to make more money and real estate is your best bet. On top of it truth is that it is not possible without taking a home loan. So you need to be diligent about what you buy and from whom you finance it.

In next few posts I will share my experience on home loan and how whole process goes. Till then keep watching this space.                                                              

Gaur Green Vista – Possession Has Started

As expected, gaursons has started giving possession of their prestigious project Gaur Green Vista. The project has turned within timelines.

While the club has been shifted to Block B (Maharaja Floors) the gym is expected in Block C (under construction- new wing). The greenery and the swimming pool would no longer be in front because that property belonged to V3S builder. In a way you won’t find things as described when this project was initially sold. The place where tower C is coming was earlier expected to be low rise commercial complex. But now Gaur is building 13 floors. So in a way builder cheated the people related to certain critical aspect. You can never expect how greedy a builder can become, gaur was no exception.

I visited Maharaja towers and both the entrance and tower B looked good. Though entrance was bit conjusted but it certainly felt nice.

Now related to possession- The calculation was posted in guar green vista forum and I am pasting the same. Join this group and you would have query solved.

http://in.groups.yahoo.com/group/GaurGreenVista/

Copied from Group-
Apart from that - project is as expected. Saw sample flat and the finishing was good. tiles, woodwork, shower panel, water purifier etc. would be part of standard delivery. Infact everything shown in sample flat would be part of standard delivery (as told by Gaurson executive)

Now for registration.- the calculation looks like this. (approx)

the stamp duty would be on circle rate or flat cost whichever is higher. in mine case circle rate was high.

so for 1254 sqft- 1254x2625=3291750
on this they added 150000
total= 3441750

7% is registry charges= 240000 (approx)
rebate is 10,000 only for sole women owner. else it is not there even in dual ownership.

the court charges are another 17,000 that would cover lawyer fees. Rs. 10100 receipt would be given……rest don’t know.

So it would be about Rs. 262,000 for maharaja floors. Samrat would be bit high.

As per lawyer (ref given by gaurs) it take 5 days if stamp paid in cash and 12 days if through demand draft.