Loan Application Form: Fill & Download for Free

Invite him inside,My Wife will offer him some tea,get photo together,Ask him to fill out loan application formType a letter addressed to him that his Loan has been approved subject to Terms and Conditions**(Here will be a catch - condition would be to put a cash deposit of $1100000 as a collateral)Quickly set up website http://www.loans4billionaires.comPut Mr. Trump as a satisfied client on the landing page of my new siteSell resulting traffic of loan applicants to a bank.Profit!

Frankly it is the customers who still behave like the 1990sI mean in this day and age - it is only SBI that still has at least 20 - 50 customers who want passbook entries every day. Private Banks have forgotten passbooks. The Harassed staff say “Sir! Please check your online banking or Yono or even the ATM outside” but no . So they are living in the 2020s but the Customers are still living in the 1990s.Likewise how many banks still have to suffer from line after line of cash depositors? Depositing sums like 300/- or 500/-. The Staff say “Please use the CDM outside” but most people wont go near the same with a Bargepole. IMPS, Phone Banking is rocket science to many of them.And how many banks have the average borrower who has no knowledge of loans asking for a loan to an irate loan officer and looking near blank. The Staff say “Sir please fill the online application form” but once again - Deaf ears. A Handful of Education Loans or Vehicle/Home Loans are fine but most are applicants of small loans on Govt schemes and the officer has to guide them patiently.So the Customers remain in the 1990s.And the Bank still manages.It is the customers who have to change and that needs work to be done by the Govt.

ICICI PRUDENTIAL (Insurance Scam)I have taken home loan of Rs.53,00,000/- from ICICI Bank for the period of 20 years. While filling up the loan application form sales person told me about the iShield 360° insurance policy, its benefits etc and gave me estimate of Rs.1,85,432/- (one time payment) which will be added to my loan amount. (refer image) Along with loan application form I signed the insurance form too.The policy includes critical illness cover, all type of death cover/loss of limb, in case of my death Rs.48,96,875/- will be credited to the loan account. The policy I opted for is of 10 years, as I feel that I will be in a position to repay the amount within this period.I did not receive the policy even after 15 days of making payment. Contacted the bank sales manager, he promised me that it will be resolved soon. 10 days passed, he got frustrated (due to my repeated calls) and gave me contact no. of Mr.’X’ who belongs to the insurance company. He also made false promises for 15–20 days without any concrete solution (It was very frustrating)I contacted the customer care, they said that there is no policy linked to my loan a/c no or phone no. I was advised to visit nearest branch, did same with no luck.Filed a complaint with the nodal officer, who took matter seriously and emailed me the policies after 7 days (total one and half month after making payment)I contacted the customer care to cancel the policies, they told me to drop an email, the request can not be taken over a phone call. I did email them and received a reply saying “your ID is not registered with us”. The sales guy had deliberately put wrong email ID.Went to the branch, changed email ID, emailed them to cancel the policies.Now here’s the scam (see image)I visited the branch to see the scanned copies of my application form. I came to know that the sales guy had made my false signature and I was issued a policy of Rs.1,13,60,840/- (why would I go for this amount if my loan amount is Rs.53L) for a period is 5 years (I had applied for 10 years)I had to visit the branch office 3 times for different reasons.I had to fight to get my money back.I paid interest on the above amount.Today (after 2 months and 15 days of making payment) I received SMS that money will be deposited shortly.I consider that insurance companies in India are scammers. The sales team will always make false promises and later they will tell you to contact customer care for any queries.I still don’t know why did Insurance guy do this (to achieve his monthly target?)Let me know if I should move to IRDA/Consumer court to get the interest back or I should file a complaint for compensation.Thank you for reading.