The Global Local

The Global Local The Global Local is a service for people who want to explore and discover more than just the Beaches I want to help you optimise your stay & experiences in Goa.

Every place in the world that I have travelled to, has been made more special with the insights given by locals. It has made my holidays more fun, interesting and as a history buff even more informative.......not to mention the amazing food and drinks that I have sampled along the way!! Professionally, I have for some 20 plus years worked in Events & Marketing across India, Abu Dhabi & Finland. Or

ganizing a 100 to 10000 people events, be it offsites, concerts or weddings, was the norm for me. This Organizer Ninja became the de facto organizer of holidays, weddings, parties etc wherever I was located for family & friends. Be it finding an exotic holiday destination, to hotels, restaurants, things to do, day excursions etc etc

Moving back to my home state of Goa, i realized that all my friends knew about Goa, was the usual Clubs/Restaurants/ Beaches etc etc. So i wanted them to experience Goa the way I saw it without having to compromise on their comforts or standards. The local village life, the hidden away waterfalls, beaches, forts, local businesses, events etc. The locals making Uraq or Feni or local wines, Camping under the stars, Home Chefs who make some amazing meals to village festivals that are still celebrated with old traditions.......not to mention some newer festivals that also take place in Goa to restaurants and bars that locals prefer. As a Global Citizen with local Intel & Resources, I am the Concierge that will for a fee ensure that you have a Custom designed Holiday, Offsite or an Event!! If these are things that interest you then maybe you should call this Global Local and start off on your Goan Experience that is Offbeat.

So for the un-initiated, this is the email I sent to Indusind Bank today, after nearly 3 months of banging my head with ...
14/06/2024

So for the un-initiated, this is the email I sent to Indusind Bank today, after nearly 3 months of banging my head with their so called Customer Services. So if you ever want to open any for type relationship with this organization, do it at your own risk.
Also requesting anyone who may know someone senior in this Bank, to please connect me with them, or share this post with them.
I am also now going to complain to the Reserve bank of india Ombudsman

The issue is very simple:
I took a loan from them. In 2020 during lockdown I took a moratorium on the said loan. A few EMIs that I missed before this was done, I paid late fees, interest charges etc on them, as per messages sent by them. All transactions were TCS and not cheques as their emails claim now.

The last EMI according to their own Banking App was Feb 2024, after which I received no intimations form them about any pending amounts on said loan, and even now till date it shows no liabilities on my account on their own banking app. (Picture of the banking app screen attached)

Went to the Porvorim Branch end of February, where i have the account, to close it as I was very unhappy with their services.

They tell me 2 weeks later (after I called them to ask why the account was still not shut down), that they cannot shut the account, as the loan department shows pending payments, even after I showed them the banking app status.. They said they cannot do anything & I have to ask for a foreclosure letter. Obviously, their internal systems are not the best as you can see.
So had to email customer service to ask for a foreclosure letter, and that is when the fun starts. According to them, I have to pay cheque bouncing charges ( though everything was by TCS) for the period of 2020 ( when I had taken the moratorium) .
Even assuming this is right, why is it that post February 4th 2024 ( as that was my TCS EMI payment date every month) there was not 1 email, message or anything to let me know that this account is not closed, and has pending payments.

So quite feeling like I am being extorted by this bank, they are now affecting my credit score and not to mention asking for additional Rs: 4000 odd, to close this loan account.
Thank you for reading through this if you did :-)

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