periyasamyvparivalagan
New member
- Bank Name
- Bank of India – Porur Branch & Asset Recovery Department
- Loss Amount
- 1945500
- Ratings
**URGENT COMPLAINT
Regarding Personal Hardship, Financial Loss, Criminal Intimidation, and Failure to Hand over Property despite Full Payment**
From:
Mrs. V. A. Hemalatha
Wife of Mr. V. P. Arivalagan (Heart Patient)
15, Arun Nagar, Thiruninravur,
Thiruvallur District – 602024, Tamil Nadu
Mobile: +91 93828 35045
Email: periyasamyvparivalagan@gmail.com
Against:
M/s. Madhura Consultancy / Mr. Saravanan
Concerned officials of Bank of India – Porur Branch & Asset Recovery Department.
To:
The Honorable President of India
The Honorable Prime Minister of India
Honorable Chief Minister e Honorable Chief Secretary, Vigilance Commissioner, / Banking Ombudsman / RBI & Ombudsman, Special Cell .
The Honorable Minister Government of Tamil Nadu
The Honorable Chief Secretary, Vigilance Commissioner, / Banking Ombudsman / RBI & Ombudsman of India,
Grievance Cell. Government of Tamil Nadu , Revenue Department, Government of Tamil Nadu
The Revenue Secretary, Government of Tamil Nadu
Legal and Law Enforcement Authorities
Bank of India (Zonal Office / Head Office)
Respected Sir / Madam,
Subject;
Complaint Regarding Financial Irregularities, Unauthorized Collections, and Non-Handover of Property – Bank of India, Porur Branch
Respected Sir / Madam,
I, Mrs. V. A. Hemalatha, wife of Mr. V. P. Arivalagan (heart patient), respectfully submit this complaint to bring to your kind attention the grave hardship, severe financial loss, and extreme mental and physical distress suffered by my family due to serious financial irregularities, misrepresentation, abuse of authority, and criminal intimidation in a property transaction financed through Bank of India, Porur Branch, involving M/s. Madhura Consultancy / Mr. Saravanan, who acted as a collection agent.
Despite full payment of the sale consideration and completion of all required formalities, lawful ownership and possession of the property have not been handed over, registration and land records remain unupdated, and large unauthorized sums were illegally collected, accompanied by criminal threats and intimidation.
1. Personal Hardship and Financial Loss
Continuous daily follow-ups for over four months, with no resolution
More than ten months have elapsed since full payment
My husband is a heart patient, and repeated harassment caused serious physical and mental suffering
Total financial loss exceeds ₹3 crores, considering blocked funds, interest burden, mental trauma, loss of opportunity, and medical stress
2. Property and Registration Details
Full sale consideration paid on: 28.02.2025
Despite full payment, the registration status still reflects “In Process / Transaction”, and no final confirmation or lawful completion has been communicated to us till date.
3. Serious Irregularities at Bank of India
The property was purchased in the name of Mrs. Siva Sankari through Bank of India, Porur Branch. However:
Property keys were handed over through a third party, namely M/s. Madhura Consultancy / Mr. Saravanan, which is unauthorized and highly irregular
An additional amount of ₹19,45,500 was collected without written authorization, receipts, or explanation
Repeated visits to Bank of India, Porur Branch and the Asset Recovery Department resulted only in verbal assurances
No written clarification or resolution has been provided even 10 months after full payment
The amount collected by M/s. Madhura Consultancy / Mr. Saravanan has not been reflected in any bank account statement
Till date, there is no clarity on where my money has gone
4. Financial Details and Unauthorized Collections
Amounts Paid by Us (Authorized)
Sale consideration: ₹18,75,000
Official processing fees: ₹43,000
Legal fees: ₹17,500
Valuation fees: ₹10,000
Amount paid via GPay to Mr. Saravanan: ₹27,500
Unauthorized and Illegal Collection
₹19,45,500 collected illegally by Mr. Saravanan, without receipts, written authority, or bank acknowledgment
This amount has not been credited, adjusted, refunded, or explained
No commission details, interest adjustment, or repayment entry has been provided
To date, no account statement has been issued explaining:
How the amounts were credited
To whom the amounts were transferred
Under whose authority such collections were made
5. Misrepresentation and Coercive Practices
Documents submitted by Mr. Saravanan appear false, misleading, and fraudulent
Money was collected under the guise of commission and handling charges, without receipts
Continuous coercion and repeated forced visits to bank offices caused severe mental and physical distress
These actions constitute financial fraud, criminal breach of trust, cheating, and abuse of authority.
6. Criminal Intimidation and Threats
Mr. Saravanan issued grave criminal threats, explicitly warning that if we approached authorities or filed complaints, physical harm and death threats would be carried out through persons working under him.
These threats caused extreme fear, mental shock, and psychological trauma, amounting to criminal intimidation, warranting immediate police and vigilance action.
7. Administrative and Governance Failures
Due to prolonged inaction and negligence:
Patta, Chitta, and Adangal corrections remain pending
Registration Department records reflect incorrect ownership, allegedly involving collusion and commission agents
Such failures seriously erode public trust in banking and land administration systems.
8. Persons Involved
Mr. Saravanan – Mobile: +91 98845 22629
Mr. S. Rajasekaran – Mobile: +91 77660 02779
Bank commission agents, brokers, and other associated intermediaries involved in the transaction
9. Prayer for Immediate and Urgent Action
I humbly request the concerned authorities to:
Provide the court order copy, which has still not been handed over by the bank, though the case is now withdrawn by M/s. Madhura Consultancy / Mr. Saravanan (details attached), and ensure lawful handover of the property strictly through court and bank procedures
Stop all illegal money collection by M/s. Madhura Consultancy / Mr. Saravanan
Correct and update ownership details in Registration Department records
Complete Patta, Chitta, and Adangal corrections without further delay
Provide a complete written account statement of all credits and debits
Furnish written explanations for delays, irregularities, and unauthorized collections
Act upon the petition already submitted to the Honourable Chief Minister’s Special Cell
Initiate disciplinary, vigilance, police, and legal proceedings against all responsible persons
Considering my husband’s serious medical condition and our prolonged hardship, I seek urgent, compassionate, and time-bound intervention.
Declaration
I hereby affirm that the facts stated above are true and correct to the best of my knowledge and belief.
Yours faithfully,
Mrs. V. A. Hemalatha, V. P. Arivazhagan, (heart patient) (On behalf of myself and my wife),
Place: Thayer Sahib Street, 2nd Lane, Flat No. 8, 2nd Floor, New No. 23, Old No. 11, Anna Salai, Mount Road, Behind LIC, Chennai – 600002,Mobile / WhatSapp: +91 93828 35045
Regarding Personal Hardship, Financial Loss, Criminal Intimidation, and Failure to Hand over Property despite Full Payment**
From:
Mrs. V. A. Hemalatha
Wife of Mr. V. P. Arivalagan (Heart Patient)
15, Arun Nagar, Thiruninravur,
Thiruvallur District – 602024, Tamil Nadu
Mobile: +91 93828 35045
Email: periyasamyvparivalagan@gmail.com
Against:
M/s. Madhura Consultancy / Mr. Saravanan
Concerned officials of Bank of India – Porur Branch & Asset Recovery Department.
To:
The Honorable President of India
The Honorable Prime Minister of India
Honorable Chief Minister e Honorable Chief Secretary, Vigilance Commissioner, / Banking Ombudsman / RBI & Ombudsman, Special Cell .
The Honorable Minister Government of Tamil Nadu
The Honorable Chief Secretary, Vigilance Commissioner, / Banking Ombudsman / RBI & Ombudsman of India,
Grievance Cell. Government of Tamil Nadu , Revenue Department, Government of Tamil Nadu
The Revenue Secretary, Government of Tamil Nadu
Legal and Law Enforcement Authorities
Bank of India (Zonal Office / Head Office)
Respected Sir / Madam,
Subject;
Complaint Regarding Financial Irregularities, Unauthorized Collections, and Non-Handover of Property – Bank of India, Porur Branch
Respected Sir / Madam,
I, Mrs. V. A. Hemalatha, wife of Mr. V. P. Arivalagan (heart patient), respectfully submit this complaint to bring to your kind attention the grave hardship, severe financial loss, and extreme mental and physical distress suffered by my family due to serious financial irregularities, misrepresentation, abuse of authority, and criminal intimidation in a property transaction financed through Bank of India, Porur Branch, involving M/s. Madhura Consultancy / Mr. Saravanan, who acted as a collection agent.
Despite full payment of the sale consideration and completion of all required formalities, lawful ownership and possession of the property have not been handed over, registration and land records remain unupdated, and large unauthorized sums were illegally collected, accompanied by criminal threats and intimidation.
1. Personal Hardship and Financial Loss
Continuous daily follow-ups for over four months, with no resolution
More than ten months have elapsed since full payment
My husband is a heart patient, and repeated harassment caused serious physical and mental suffering
Total financial loss exceeds ₹3 crores, considering blocked funds, interest burden, mental trauma, loss of opportunity, and medical stress
2. Property and Registration Details
Full sale consideration paid on: 28.02.2025
Despite full payment, the registration status still reflects “In Process / Transaction”, and no final confirmation or lawful completion has been communicated to us till date.
3. Serious Irregularities at Bank of India
The property was purchased in the name of Mrs. Siva Sankari through Bank of India, Porur Branch. However:
Property keys were handed over through a third party, namely M/s. Madhura Consultancy / Mr. Saravanan, which is unauthorized and highly irregular
An additional amount of ₹19,45,500 was collected without written authorization, receipts, or explanation
Repeated visits to Bank of India, Porur Branch and the Asset Recovery Department resulted only in verbal assurances
No written clarification or resolution has been provided even 10 months after full payment
The amount collected by M/s. Madhura Consultancy / Mr. Saravanan has not been reflected in any bank account statement
Till date, there is no clarity on where my money has gone
4. Financial Details and Unauthorized Collections
Amounts Paid by Us (Authorized)
Sale consideration: ₹18,75,000
Official processing fees: ₹43,000
Legal fees: ₹17,500
Valuation fees: ₹10,000
Amount paid via GPay to Mr. Saravanan: ₹27,500
Unauthorized and Illegal Collection
₹19,45,500 collected illegally by Mr. Saravanan, without receipts, written authority, or bank acknowledgment
This amount has not been credited, adjusted, refunded, or explained
No commission details, interest adjustment, or repayment entry has been provided
To date, no account statement has been issued explaining:
How the amounts were credited
To whom the amounts were transferred
Under whose authority such collections were made
5. Misrepresentation and Coercive Practices
Documents submitted by Mr. Saravanan appear false, misleading, and fraudulent
Money was collected under the guise of commission and handling charges, without receipts
Continuous coercion and repeated forced visits to bank offices caused severe mental and physical distress
These actions constitute financial fraud, criminal breach of trust, cheating, and abuse of authority.
6. Criminal Intimidation and Threats
Mr. Saravanan issued grave criminal threats, explicitly warning that if we approached authorities or filed complaints, physical harm and death threats would be carried out through persons working under him.
These threats caused extreme fear, mental shock, and psychological trauma, amounting to criminal intimidation, warranting immediate police and vigilance action.
7. Administrative and Governance Failures
Due to prolonged inaction and negligence:
Patta, Chitta, and Adangal corrections remain pending
Registration Department records reflect incorrect ownership, allegedly involving collusion and commission agents
Such failures seriously erode public trust in banking and land administration systems.
8. Persons Involved
Mr. Saravanan – Mobile: +91 98845 22629
Mr. S. Rajasekaran – Mobile: +91 77660 02779
Bank commission agents, brokers, and other associated intermediaries involved in the transaction
9. Prayer for Immediate and Urgent Action
I humbly request the concerned authorities to:
Provide the court order copy, which has still not been handed over by the bank, though the case is now withdrawn by M/s. Madhura Consultancy / Mr. Saravanan (details attached), and ensure lawful handover of the property strictly through court and bank procedures
Stop all illegal money collection by M/s. Madhura Consultancy / Mr. Saravanan
Correct and update ownership details in Registration Department records
Complete Patta, Chitta, and Adangal corrections without further delay
Provide a complete written account statement of all credits and debits
Furnish written explanations for delays, irregularities, and unauthorized collections
Act upon the petition already submitted to the Honourable Chief Minister’s Special Cell
Initiate disciplinary, vigilance, police, and legal proceedings against all responsible persons
Considering my husband’s serious medical condition and our prolonged hardship, I seek urgent, compassionate, and time-bound intervention.
Declaration
I hereby affirm that the facts stated above are true and correct to the best of my knowledge and belief.
Yours faithfully,
Mrs. V. A. Hemalatha, V. P. Arivazhagan, (heart patient) (On behalf of myself and my wife),
Place: Thayer Sahib Street, 2nd Lane, Flat No. 8, 2nd Floor, New No. 23, Old No. 11, Anna Salai, Mount Road, Behind LIC, Chennai – 600002,Mobile / WhatSapp: +91 93828 35045
