7 PC Act 13(2) r/w 13(1)(d)
Complainant Mobile Phone had been seized on [deleted] after 21 days of incident.
CBI has sent Voice002..amr Audio Files to CFSL for minimizing Noise of the Audio unlawfully, without permission/consent and information to the court.
Sample Voice file REC_0000007.wav file which was collected on [deleted] shows date [deleted], prior to this incident.
VOICE001.wav file dated [deleted],which was recorded during trap is showing date [deleted],Prior to this incident.
Complainant was in a constant touch with CBI official on [deleted] and [deleted],However Complaint Lodged with CBI on [deleted] as per CDR Report.
Home Loan sanctioned on [deleted] and as such the allegation that the defacto complainant came to know about the fact of sanctioning the proposal on [deleted] was false.
As per CBI that the conversation recorded in the CD, However conversation was recorded in Micro SD Card and sent through Email, CD is not admissible in evidence since the CD was not prepared following the established procedure.
Complainant lodged the complaint to the CBI on [deleted] at about 11.02 hrs and according to the verification over the allegation was conducted by verifying officer has submitted on [deleted] at about 10.00 hrs.So question arise that before receiving or lodging the complaint of this case how the allegation made in that complaint was verified by the verifying officer.
Pre Disbursement condition stipulated in the memorandum of sanction by the processing officer and duly sanctioned by the manager was not complied that “Borrower has assured us to take Third Party product of SUD Life Insurance Policy before disbursement of the Loan”.
Borrower had not deposited Margin in his savings bank Account for taking Loan disbursement.
Borrower had not submitted any written request letter for taking disbursement.
Later he purchased SUD Life Insurance policy on dated [deleted].
There are differences in statement of Complainant that he had to pay Rs.5000/- as a bribe for disbursement of the Loan and in the court statement he said that he had to pay Rs.5000/- as a bribe for sanctioning of the Loan.Cross examination is about to start on next date probably.There are 70-80 Questions have been prepared for the cross examination.
As per Charge Sheet that the complainant agreed to take Jeevan Safar Policy through Branch. Intension of the accused manager to meet his own target of selling insurance policies to the customers of the Bank.
Above facts how help the accused in the court.