Account No – 041/[protected], Swapnil Naik (Mumbai) This is to bring to your kind notice on delays in receipt of letters/communication from your bank. The revised interest home loan rate letter dated 02.08.11 is being received today, whereas is applicable WEF 01.08.11. To my knowledge, I have raised this matter previously, but hasn’t gone to the right ears. The mail sent is untraceable & hence lack of documentary evidence is stopping to raise/escalate. Under no circumstances, a document dispatched from any part of the country would take 24 days even though it is sent by post (IPO). But the document you send are throufgh courier companies. What fun is it to know about incremental ROI ( 11.50 to 12.25) after 24 days of being implemented? Will ever a cheque deposited by me with a previous date be considered WEF cheque date? There can be number of reasons at your end like dispatch to all customers together, dispatch from H.O or regional office, etc. But all them are of least importance to me.