Address: -Kariwala Towers, J 1-5, 8th Floor,

HINDOL NANDI B.A.LL.B LLM Block EP, Sector V, Salt Lake City, Kolkata-
700091.

HN/285 28/08/2020

Ref. No. ……………………………. Date…………………………

Rajesh Thiagarajan
No 496/1,
Basavanapura,
Begur Hobli Off
Bannerghatta Road,
Bangalore, PIN-560083
Email:
kumar.chandran19@gmail.com
Contact: 9916968761
To
SBI Cards and Payment Services Limited
Unit 401 & 402, 04th Floor, Aggarwal Millennium Tower,
E-1,2,3 Netaji Subhash Place,
Wazirpur, New Delhi 110034
Subject: Legal Notice regarding consumer dispute of my said client to be redressed.
Sir,
Under instruction of my said client, by namely, Rajesh Thiagarajan, of No 496/1, Basavanapura, Begur Hobli Off
Bannerghatta Road, Bangalore, PIN-560083, Email: kumar.chandran19@gmail.com, Contact: 9916968761, I, Hindol
Nandi, Advocate, do hereby state you that my said client is a SBI Card Account Holder being No: 00524317971403.
My said client uses to pay EMI of the said card loan around Rs. 18,000/-(Rupees Eighteen Thousand Only) on monthly
basis. As my said client has applied for moratoriums as per RBI guidelines for 3 months due the valid reason of his
business been completely shut down due to COVID-19 crisis, which is the world facing right now my said client has
stopped payment of said Emi for availing moratorium prescribed by RBI. My said client also communicated it with
your concern since last two months. So many mails and phone calls were done to your concern by my said client
them so many times for your concern to help on this COVID-19 Crisis. And my said client is also very much reachable
over phone and email. In spite of all this your concern has sent my said client a legal notice to pay total outstanding
which is not the right figure. My said client was paying all the EMIs without any failure running on his said cards
which is called Flexi pay as claimed by you. As the total EMIs is close to about Rs. 18,000/- which my said client was
paying correctly month on month before this COVID-19 crisis. For availing moratorium TATA card had sent my said
client Legal Notice and asking him to pay the total outstanding immediately. And my said client has never given your
concern permission for closing my said client’s loan completely. Your collection team is now calling my said client and
harassing him and giving him a mental torture claiming payment of the total outstanding of Rs. 5,05,536.94/-(Rupees
Five Lakhs Five Thousand Five Hundred Thirty Six and Ninety Four Paisa Only) during this COVID-19 crisis,
immediately. My said client approached your concern for proper response and explanation. But your reply was most

1
 Address: -Kariwala Towers, J 1-5, 8th Floor,
HINDOL NANDI B.A.LL.B LLM Block EP, Sector V, Salt Lake City, Kolkata-
700091.

HN/285 28/08/2020

Ref. No. ……………………………. Date…………………………

unfortunate and you tried to bypass your liability. You are delaying intentionally and have denied to co operate. Your
response in this regard is most irresponsible, reluctant and callous in manner. For your gross negligence my said
client had to suffer from huge monetary loss and mental harassments.
That there was no attempt from your side to provide client satisfaction to my said client whatsoever and my said
client had faced a lot of harassment from your end. That due to these incidents and undesirable conduct from your
end my said client is going thorough huge mental agony and has become fully depressed. Such harassments of my
said client from your concern is now continuing in nature and without any permanent solution.
That therefore you are hereby requested to give my said client the opportunity to pay the outstanding of the said
loan in easy installments as before by reopening and not closing the said loan after giving the opportunities of
moratorium prescribed by RBI guidelines along with an amount of compensation of Rs. 1,00,000/-(Rupees One Lakh
Only) for causing my said client monetary loss and for causing all the mental harassment and for the legal expenses
of my said client within 20(Twenty) days from receipt of the same. Otherwise my said client will have no other
alternatives except approaching appropriate legal forum/ court/ tribunal for appropriate legal remedies available to
him.