To

The H.R. Spandana Sphoorly Financial Llid

I Mithun Sen EmpID-SF0094686, Currently working as BM of Malbazar Branch(WB3721).Our Malbazar Branch is having 59 demands in 5 Centers of  Metli village . Those members used to pay regular Loan instalments but later one day we have gone to the center and unable to collect any installments of any member. Now due to the pressurising the members with EWI, some people from company named Joy Laxmi Agro came to us and pressurised us in various ways that all the money of the members till date has been paid by the owner of Joy Laxmi Agro Company named Chik Baraik. He will pay us all the pending amount of the members but those members cannot be put under any pressure or their CIBIL should not get effected. If their CIBIL gets effected in any way then they will not allow any collection from any centres of Malbazar.And they ask us for 1 month time for payment. Since they have assured that they will pay the installment amount after 1 month, that's why we have not informed our Reporting Manager. And to keep those members EWI running,collected the members Preclosure amount which are mentioned in the Show cause notice.But later we came to know that they have done fraud with many companies in this was and have never paid any amount of the members. And many members have registered complaint against theme in the local police station.Then we have told our reporting manager about the same thing and have shown OD against the members. But since we had withdrawn the pre-closure money of the mentioned members and filled it in the EWI amount of those members who are victims of Joy Laxmi Agro Company .Now we have solving  the issue of of pre-closure amount of all those members by collecting the money ourselves from  our home. Though it is not the right way to solve the issue.We are apologizing  for our mistake.It  will not happen again in future.We will be highly obliged if we are forgiven for our mistakes and given a chance to work with Spandana.



Mithun Ben

SF0094686