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| Muslim Commercial Bank Ltd is major violator of employee rights |
in the case Trade Development Authority of Pakistan name of Pakistan People Party Makhdoom Ameen Fahim was appearing and currently he on bail as case was register by FIA.
second manager of Muslim Commercial Bank Gulshan e Jamal saved the bank reputation by reporting the money laundering transaction under STR (suspicious Transaction Report)) to Muslim Commercial Bank Compliance division to further report them to SBP but the regional Head Mr. Imran Abbasi (currently demoted) was creating hurdles and as well as compliance department was reluctant to report this fraud transaction to SBP, later after when FIA being investigation then SBP and Muslim Commercial Bank Mutually devised forged document to protect each other, consequently few Muslim Commercial Bank official are still under investigation or under jail custody.
in prosecution Muslim Commercial Bank Ltd issued fabricated charge sheet to whistle blowing /STR rising branch manager gulishan e jamal, karachi and he was surrendered to regional officer where General Manager Mr. Nadeem Hussain currently run away to Canada with mutual concern of MCB Bank Ltd and isherwada (Blessings) of Business Head Nadeem Afzal were daily harassing him for doing right lawful action.
subsequently branch manager made complaint to chief justice of Pakistan and FIA officials for malpractice in bank to cover-up their action. instead of appreciation bank official was harassing and make threats & blackmailing for his working experience (reputation) and for dismissal (it mean he can no more work in any other bank).
this is the letter he wrote to Muslim Commercial Bank Ltd president to intervene in to this matter where, specific lobby is damaging bank reputation and compromising its branch image and interest.
(i have just copy pasted draft as it is, as it was received from source)
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| President & C E O of MCB Bank Ltd Mr. Imran Maqbool (2014) Brother of Ex-Punjab Governor Brig Khalid Maqbool |
Dated 8/7/2013
Honourable President,
This is to bring in your kind authority notice and information, that on dated 14th May. 2013 I submitted my resignation to circle office commercial Karachi, east due to my elderly/aged parent’s health & medical issues along with Islamic point of view as well. Soon as returned to Pakistan after performing Umrah with my beloved Mother because it was her dream of life-time and as well as mine. May Allah accept our prayers and put us on sirat-e-mustaqeem & give us courage/ strength to follow the prophet Muhammad (PBUH) teaching and sunnah in compliance of Allah’s love and blessings and will try my level best to become true Muslims.
Honorable Boss, this is very discouraging and has damaged my moral /self-esteem, after submission of resignation to circle office authorities (General Manager Mr. Nadeem Hussain and Regional Head Mr. Imran Abbassi) on dated 14th May, 2013 both bank management faces& attitude was very unprofessional and rude, it was shocking for me as the refused to take Abay Zamzam and Janinamaz brought for them with love and respect both saviors were presented to them as i have presented to all my friends/colleagues/peers/family members. In-fact relation they did not received my resignation and same was refused but on next day I persuaded them and gave the reason for my resignation, therefore they accepted my resignation on dated 15th May, 2013.
In retaliation/ revenge/racism with specifically with me for personal vendetta both General Manager/Regional Head issued me fabricated/bogus explanation letter for unauthorized leaves under circle office commercial Karachi east reference no COCKE/DISP/MISC/115 dated 16th May, 2013 subject matter “UNAUTHORIZED LEAVE W.E.F 29.04.2013 TILL 14-05-2013”. This was unprecedented/most shocking news and I refused it because I am most out-standing performer in business side with proven track record and i was in touch bank officials /team member of GM/RH and always attended my assigned targets.
This unprofessional /un-mature attitude in collaboration with his closest friend Mr. Mustafa (GM Audit South) this action has direct affect on me. I always admired MCB Bank Ltd and it was life time working experience where I did learn my professional skills/knowledge under the supervision of many dedicated superiors but Circle Office East discriminant action has changed my perception about MCB Bank Ltd brand image.
This is for your kind information and ready reference copy of leave application /passport copies both mine and mothers/visa copies/ PIA tickets copies enclosed/attached that was submitted to circle authorities (GM/RH Mr. Imran Abbasi) on dated 26th April, 2013. My leave were applied under reason “To perform umrah” applied since 20-04-2013 till 10-05-2013. Prior submission of leave application I already verbally several times informed the Regional Head Mr. Imran Abbasi and he assured me that it is normal /routine Bank procedure. We will issue temporary officiating Branch Manager Order to BOM (Mr. Haris) based upon internal arrangement. Unfortunately Branch Operation Manager Mr. Haris deliberately/ in collusion/ conspiracy /pre-designed action plan unprecedentedly Mr.Haris (his father was already working in MCB Bank Ltd) refused to take charge as Branch Manager at eleventh hour. Because there was no officiating order was issued in this matter by General Manager & Regional Head as predesigned agenda/conspiracy against me.
Consequently, I fulfilled my duty and informed Bank authorities well before performing Umrah with my mother as she is elderly/aged lady. Later upon submission of my resignation to circle authorities on next day Both General Manager Mr. Nadeem Hussain and Regional Head Imran Abbasi in personal vendetta issued me explanation letter for unauthorized leave, how come I was on unauthorized leave? They are misusing their powers/entitlement invested by bank in violation of bank policy and procedures. Is there any mechanism for bank top management to monitor appointed/elevated GM/RH/BH wrongdoings/ abusive unprofessional attitude?. Instead in personal vendetta/victimization/racism they issued me explanation letter for noble cause for performing umrah and projected me un-obedient/unprofessional staff that is totally “lie” miss reported /miss projected me. In compliance I submitted my written self-explanatory/factual justification along with copies of documents/application submitted to circle authorities and I assumed that matter will be resolved soon and they will do justice with me and i thought there's some misunderstanding/ miscommunication between them and me.
After submitting my justification in my defense, on next day Regional Head Imran Abbasi called me inside his cabin and pressurized me first and then offered me deal, If I replace my said first justification and never discuss this matter with anyone else in return he will process my resignation on faster paste because he has connection in CBBG . Due to pressure to make deal on spot and do not consult it with anyone else I had no choice and trusted General Manger Mr. Nadeem Hussain and regional head Mr. Imran Abbasi during those days Mr. Nadeem Afzal was on leaves but was in touch with GM, unfortunately i accepted their deal and I replaced my first justification with their dictated and pre-written justification though I read it , it was suicidal but I was assured my resignation will be processed on fast track. Later Ms. Naila from CBBG argued with Regional Head Mr. Imran Abbasi but due to his connection in CBBG matter was cover up with mutual consent of both of them.
It is been 53 days since submission of my resignation to circle office commercial Karachi east, my salary has been stopped not credited, all documentation and formalities were fulfilled according to their wish, my services cessation form was also signed by me and they also informed me my last working day in Bank was 18th Of June, 2013. Meanwhile they pressured me to withdraw my resignation in return we assure your raise in salary/ in grade/ but I refused. Because I am least interested because financial I am stable and belong to agriculturalist family and my parents need me for their care /for their support no other compensation will be considered. They pressurized and tortured me /abused me mentally/ am I salve of bank or this bank has been turned into MQM there is way to join but no way out except death. After passing 50 days I enquired the matter from HR staff of Lahore to confirm the status of my resignation.
It was very shocking for me as to received information from Lahore HRM staff that, my resignation has been stopped/pending due to my involvement in 02 suspicious accounts (please refer the appended email of Ms. Nadia HRM staff at Lahore for your ready reference) extract from email “Please note that your resignation is in process by audit of your involvement in opening 2 suspicious accounts in Gulshan-e-Jamal Branch, Karachi.”
“HR was also informed on 28/06/2013 that you had withdrawn your resignation which would be forwarded to us after recommendation of GM COCK, East. Please note that your resignation will only be processed after the audit”.
Honorable president, all the information provided to HRM Lahore is incorrect/purposefully miss reported/making fool out of them for their lack of knowledge of front end operation to just to trap me in personal vendetta /objective circle office commercial Karachi, East GM Mr. Nadeem Hussain in collaboration with Regional Head Mr. Imran Abbasi are unnecessary dragging the matter to penalize me.
Honorable president, this is to bring in your kind notice that, actual information is that, on dated 08th Oct, 2012 in pursuance of AML& KYC policy & procedure regulation of state Bank of Pakistan to mitigate risk and protect my staff along with Bank reputation. I jointly with BOM reported Suspicious Transaction Report (Raised STR) in two accounts of Branch to circle office commercial Karachi, East and to AML, Compliance & control Department for further scrutiny and observation and onwards reporting to State Bank of Pakistan. Further in compliance of SBP AML & KCY policy if any suspicious transaction are in progress or already been done in account, branch official have to keep quiet and will execute the transaction without tipping off customer under the knowledge of their circle office .Please tell me have I done something punishable?
Said two accounts were opened under the knowledge information of General Manager & Regional Head and upon their recommendation by accounts opening centralized processing unit, located at Adamjee House , 2nd floor, I.I. Chandigarh Road after fulfillment of documents and their scrutiny/approved from account opening compliance officer according to process designed by Bank SOP’s. Later on Regional Head Mr. Imran Abbasi visited the branch and reviewed the account movement and enlisted his observation on executive visit register on dated 29.06.2012 and appreciated me for the deposited incremental trend.
(copy of executive register and visit of RH along with copy of complete set of STR/cheques/vouchers are enclosed for your ready reference & examination).
This is very unfortunate that circle office authorities have misreported me under “involvement” how come I open such account independently in presence of Bank safety /risk mechanism or SOP’s monitored by several department?. In Bank everything is under dual control.
After passing 53 days I enquired the status of my resignation several time but circle office HR officer was unaware of any update and he always referred me to RH Mr. Imran Abbasi but also did not provided my any justification for delay.in fact he pressurized me in coloration with GM to withdrawn my resignation else consequences will be far more then worst (Both GM and RH are strict believer of racism). Please consider said forcefully resignation withdrawal application canceled. Further there is no audit enquiry is in progress to be concluded for said STR then why delay? Or his close friend Mr. Mustafa (GM Audit South) is helping him being his guider/shield because any objection from audit department makes business process at halt and doubtful whether they are wrong and creating unnecessary delays as well as they are not answerable to president makes them higher species.
I would request you honorable president, please investigate matter from neutral team/ unbiased /un-discriminative team why they are delaying my resignation where I am surrender to circle office commercial Karachi , East and my salary also stopped not credited to my account of last month after submission of my resignation. I have fulfilled all the bank formalities and documentation. Sir am I bank salve?. In fact I had many memorable events/peers/bosses and was great working and learning environment, I considered MCB Bank Ltd my first home and always respect my JOB and respect given by Allah and trust of my bosses time to time throughout my professional career. Please bring the proprietor/blackmailer to justice running parallel power house in MCB Bank Ltd in violation of Bank policy and procedures.
Honorable president, please do justice with me and instruct concerned staff to process my resignation without delay. Anticipating prompt reply and remedy with same good memories and respect for bank.
Regards,
XXXXXXXXEMP XXXXX
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Ex Branch manager original Leave application, Submitted prior going on leave to perform Umrah.
Evidence 1
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| branch manager leave application submitted to bank prior of his leave |
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Evidance 2
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| Bogus Explanation charge sheet issued to Branch manager of MCB Bank by General manager Nadeem Hussain in personal vendetta |
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Evidence Justification submitted against fabricated & bogus explanation issued to branch manager by Muslim Commercial Bank ltd
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| justification submitted to Regional head Imran Abbasi of Muslim Commercial bank Syed Nadeem Hussain General Manager of COCKE 5003 |
_________________________________________________________________________________
Evidence along with bank official stamp
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| Resignation submitted by Branch manager due to victimization /racial biases by Muslim Commercial Bank Ltd |
______________________________________________________________________________________
11th Sep, 2013
Mr. Dilshad Ahmed Khan Sherwani,
Senior Manager DA & Enquiry Officer,
MCB Tower, I.I.Chundrigar Road, Karachi.
STATEMENT FOR INQUIRY
Dear Sir,
This has reference to inquiry letter issued from Division Head Talent Acquisition & DA HRMG in response of my written justification submitted on dated 29th July, 2013 against Circle office Commercial Karachi east 5003 letter of charge reference no HRD/GEN/MAR/13/13 dated 19th July, 2013, and your kind authority has farmed false-allegation on me for referred account not pertaining to my branch. I would request your honor to please review my written self-explanatory justification in my defense accordingly in compliance of bank policy and procedures adhered time to time.
1. I completely dis-agreed with your leveled charge No. 1, that I have opened 02 suspicion account of same group and I was found involved. Let me clarify your kind authority that prior opening of any new account every account is considered potential business account with good deposit and cross sales expectations therefore branch manager equally treat every potential accounts according to bank policy and procedures till its transaction patterns determine its personality and threats. Further audit findings are baseless based on assumption not factual instead they misreported me under word “involvement” directly abused me with said false allegation.
a. This is also to bring in your kind information that, Gulshan-e-Jamal branch did not open any account with in branch premises in-fact branch accounts are opened at Central Processing Division 2nd Floor Adamjee House, I.I.Chundrigar Road, Karachi after fulfillment and completion of account opening formalities and documentation referred to CPD in compliance of bank policy /operation manual December V 2.0 of 2010 defined in Chapter 1 ACCOUNT OPENING DOCUMENTATION & GENERAL POLICIES definition 1.1.2. New accounts opening forms are reviewed by CPD staff and are referred to compliance department for validation/approval and their recommendation. If any documents prerequisites formalities are not fulfilled are not according to bank policy these account opening forms are return back to branch with discrepancy marked on its faces and email to branch officials. If said 02 suspicious accounts are opened then both were opened by CPD and upon Regional Head of COCKE-5003 Mr. Imran Abbasi’s recommendation.
(Copy of recommendation email for
said account opening by Regional Head COCKE North for your perusal as
annexure 1).
Exhibit
No. 1
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| MCB Bank Ltd SOP for opening of Current Account & its details |
b. Said customer name does not appear in the list in UN/OFAC/ BOE/ EU and there was no circular by NAB U/C 17 & 19 or there was no restriction by government /State Bank of Pakistan not to open any account of said customer bearing so & so CNIC or BRN (NTN).
Exhibit No.2 (Branch
SST 0842 BRN # of Customer )
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| Said Accounts was opened in MCB Bank Ltd SST,Karachi Branch for Money laundering of TDAP
c. Said two account opening was done at CPD, prior account opening of our branch said customer was already maintaining business relationship with MCB Sheikh Sultan Trust Branch therefore customer was not new to bank and already had client number generated.
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Exhibit No. 3
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MCB Bank Ltd SOP for Opening Account In Centralized Processing Department @ Adamjee House 2nd Floor.I.I.C.R
d. Sheikh Sultan Trust Building Branch 0842 was already maintaining business relationship with customer prior to MCB Gulshan E Jamal but unfortunately; they did not raise any Suspicious Transaction Report to protect bank interest. Infact Suspicious Transactions Report (STR) were initiated/intimated by my branch under my and BOM supervision in accordance of AML/KYC/CDD procedures to protect bank interest and its officials and its reputation in the month of Oct 2012 to compliance Department and circle office commercial Karachi east and fulfilled my responsibilities.
(Copy of 02 STR’s are attached along with COCKE covering letter to compliance department 8th floor on dated 05th Oct, 2012 acknowledgment for your kind perusal as annexure 2 ).
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Exhibit
No. 4
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| MCB Bank Ltd SOP for termination of Account @ STR (suspicious Transaction Report) Money Laundering
e. Please Refer to Regional Head East (Mr.Imran Abbassi) of COCKE-5003 branch visit on dated 26.06.2012 during his inspection all details regarding top worth customer/NTB’s along with 02 suspicious accounts were briefed to him and in recognition he appreciated my performance and motivated me to request customer to further deepen deposit and strength business relationship. I requested my GM/RH to visit customer along with me but they refused.
(Copy of Regional Head's branch visit and remarks written in Executive visit register as Annexure 5)
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| Regional Head's branch visit and remarks written in Executive visit register page 1 |
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| Regional Head's branch visit and remarks written in Executive visit register page 2. |
f. Since date of STR’s reported to compliance department 08th Oct, 2012 by me to protect bank interest and reputation and said STR’s were also reported to annual audit team no action was taken by them and nothing was reported by them about my involvement. Why now? And who is unnecessarily misreporting me and my action of STR’s.
Exhibit No.5
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| MCB Bank ltd SOP Ref # KYC/CDD & AML MCB Handbook Page no 10 |
g. Customer Credit and debit turn overs were improvised accordingly after obtaining supporting documents as per bank policy and the credit cheques were issued by governments corporation and bears joint signature of their authorized authorities and were passed by pertaining corresponding government banks. In fact one first attempt first cheques was returned unpaid by National Bank of Pakistan with return memo “stopped by customer” later represented again in clearing same was passed.
(copy of Government cheques/confirmation letter from cheques issuing authority/cheque issuing authority confirmation payment in lieu /No objection on bank for any financial obligations as Annexure 3)
h. In Bank different departments supposed to work in team to mitigate risk exposure. I would ask what transaction pattern mantaz had observed and why they did not inquired the customer transaction and their nature soon after the transaction executed /credited in to 02 suspicious accounts and what direction and support they provided time to time to branch officials as mentor.
Soon as Branch official become aware of Suspicions Transactions we reported that to our GM/RH/ROH for next course of action and they did not guided us properly and instructed me to further investigate and wait and seen and try to contact /visit his business premises but no response received from customer. Exhibit No. 6
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| MCB Bank Ltd KYC/CDD & AML hand book page No 13 Sub heading 3.1 |
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| Muslim commercial bank Know Your Customer/ Customer Due Diligence & Anti Money Laundering |
2. I completely disagree with your second wrongly charge leveled on me, I followed and implemented all the adhered procedure defined in KYC/CDD & AML handbook and reported 02 suspicious accounts Transactions to circle office commercial Karachi East and to compliance department to further report to FMU/SBP’s as per procedure given by regulator/government.
a. This is for your kind information and necessary action that, during annual audit of branch we as per bank policy informed the inspection team that we have already intimated circle office and compliance department to investigate and take necessary action to protect bank interest by reporting it to FMU/regulator for preemptive measure. Exhibit No 11
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| MCB Bank Ltd SOP for reporting STR and Not reporting consequence to SBP |
b. Upon
execution of each transaction into said 02 suspicious account I personally
proactively time to time intimated circle authorities and my superiors for
their guidance’s and support and to have expert opinion and arranged twice
meeting with RH Mr. Imran Abbasi but he refused me and did not took my words
seriously and intentionally consequently put me at risk. If you review KYC’s of
both suspicious account reported in STR’s will notice Branch Manager Remarks
upon each transaction with payment nature. Further during transaction nothing
seems abnormal and credit sources were crossed account payee government cheques
issued by TDAP (Government cooperation by the name Trade development Authority
of Pakistan) to said customer against different services and general supplies.
To cross verify the genuineness of said customer sources of fund we wrote
letter to TDAP and they returned mail with their reply of confirmation payment
nature which seem in alignment with their business profile. Upon query with
customer for such large payment in tranches they confirmed us that these are
the outstanding payment stack in government account and now they returned back
to us against different nature.
3. Leveled
3rd allegation /charge are baseless and based on assumption of
audit and unnecessarily blaming and dragging me for good deed to raise STR to
protect bank interest and its officials on time according to bank policy. Since
October 2012 after I raised STR’s bank audit and compliance department did not
took preemptive measure on time and did not made any further queries and I
being punished by audit department south become pawn/proxy of circle office
commercial Karachi east both GM are paying off their friendship under
cliché “ you scratch my back I will scratch yours”. Since my
resignation circle office commercial Karachi east were making unnecessarily
delay and first GM told me not resign as bank is short of Branch
manager and tried to convince me but I refused not to work further in banking
industries as my parent’s advices and after doing umrah upon official leave.
But later COCKE 5003 when i returned back after performing umrah RH and GM both
gave me explanation for unauthorized leave.
In justification I showed them my
leave application submission and their acknowledgment, consequently they gave
me deal to take back said reply and warned me not tell this nothing to any one
and instead you should accept your mistake in writing and will process your
resignation I believed my boss and did as I was told but they trapped me and
latter I complained to president and to SBP officials for remedy to process my
resignation on priority after passing of 119 days my salary was stopped for two
months without any intimation to me and later after intervention of State Bank
of Pakistan HRD has released my outstanding salary.. In retaliation COCKE with
collaboration with Audit team south intentional/purposely issued me charge
sheet upon opening said account of the year 2012 who’s audit already been done.
why said account were never reviewed by local compliance officer and circle
authorities and by audit soon after of STR’s were raised.
It is contradiction in bank policy
and procedure and circle authorities are using the powers of audit department
south being their proxy. For your kind consideration audit department
investigating officer told me that audit department is not answerable to anyone
else except & only to chairman of bank and nobody can challenge us and
nobody in bank has the courage/power to make objection/doubt on our
report/investigation because we have the loop pool of every department and
every each top officials and they under our pressure due negligence’s they made
during their services tenor.
a. The
statement audit has referred given by me to audit department is very doubtful
and does not have any worth because it was purely taken under threat &
under pressures and was under abusive attitude of interrogating officer, who
was purposely authorized by GM Mustafa upon recommendation of GM COCKE based on
exploitation and racial victimization and disobeying and not accept his deal
offer not to leave bank. Audit department without any written intimation to me
called after banking hours for interrogation in isolation and in confinement
without any food and water completely against my will till late hours. This not
bank I ask you who gave audit department permission to black mail innocent bank
staff.
b. If
there was any restriction imposed by government/regulator/bank policy and
procedure on staff not open any account other then salary account in employer
bank, if other then salary accounts are opened then its failure of risk
aversion and prevention system they. If other then salary accounts are opened
they I would ask why CPD has opened many other staff other then salary accounts
with their approval and authorization No such clause ever read and signed by me
at the time of job offer letter acceptances nor while signing employment
contract and no one before educated me.
c. If
Bank has any misconception that I have any connection with customer/or taken
any financial assistance then let me assure you and guarantee you that this is
very falls statement and allegation.
d. The
referred transaction that audit has purposely in retaliation /collaboration
with COCKE have quoted of Rs. 800,000 is of dated 11th February
2013 and second amount they quoted is Rs.283,000/- that is the
combination of three transactions as per details Rs. 110,000 of dated 01st February
2013 Rs. 113,000 of dated 16th January 2013 all above three
transaction were proceedings against 02 cars (movable property) purely utilized
by me and my family members sold to interested buyer upon lesser amount then
market value through a broker and coincidentally buyer was maintaining account
in my branch. For your kind information branch location is in business area
mainly of car show rooms. Soon deal was finalized as seller my fear was to have
the funds in my possession, consequently i requested customer and he agreed and
gave me cheque to transfer the funds immediately and in return I handed over
the car possession to car buyer after immediate funds transfer acknowledgment.
Said deal was under good intention and you are aware I belong to
agriculturalist affluent family and already maintaining good living standard
even before joining MCB Bank Ltd.
(Copy of all related documents sale
receipts attached as annexure 4)
Exhibit No. 7
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| STR submitted to MCB Bank Ltd Compliance Division to further report to SBP to take due action |
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| confirmation letter of TDAP for genuineness of processed of money laundering letter 1 |
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| confirmation letter of TDAP for genuineness of processed of money laundering letter 2 |
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| confirmation letter of TDAP for genuineness of processed of money laundering letter 3 |
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| confirmation letter of TDAP for genuineness of processed of money laundering letter 4 |
Exhibit No.9
In last the third transaction of Rs.
60,000 of dated 13 March 2012 that accumulate the amount of Rs. 283,000/-
quoted by audit is pertain to sale of seed of my agriculture land located in
District larkana my father handed over the seed to said wheat & fertilizer
buyer he is also familiar to my family and also lives in Karachi, in
continuation to support my family living expenses through proceeding of
agricultural land only once.
(Copy of all related documents
attached as annexure 4)
e. The statement audit team is
quoting was taken under pressure and threat for bad consequences and force me
to write the selected lines as per their direction /discretion under the
supervision of GM Mustafa where they purposely dragged me intention and in retaliation
as i made complain to president and SBP for delay in my resignation. These is
very discouraging that I gave my excellent services to bank and contributed my
efforts , why soon after these transaction took in my account and while in
annual audit inspection they already reviewed my accounts statement did note
any discrepancy in my salary and other account why not pointed out then why
now. These is all preplanned and predesigned scam to unnecessarily make trouble
for staff and runnied the bank reputation among staff and make staff moral low
and remove the scene of ownership of bank.
f. The
account opening terms & condition I singed for said accounts were not being
bank staff neither for salary purpose and being staff of MCB bank I do have right
to maintain any account at any bank for my personal banking needs and for other
purpose. I am master degree holder and belong to affluent agriculturist family
and I do own property and other fixed and moveable assets. if required I can
prove my sources of funds and all for your kind information are legitimate.
Being bank employee and healthy sound citizen of Islamic republic of Pakistan
and mind no one would take any financial loss.
g. For
your kind perusal and necessary action I have also obtained balance
confirmation cum letter of satisfaction on government bond paper being
affidavit/indemnity and for disclamation for any claim against bank or on its
any officials against said transaction and source of their funds are legitimate
and doing their business since last several years with good market reputations
and credibility.
(attached affidavit and customer
account statement letter of satisfaction as annexure 4 )
h. If
bank has excellent real time intelligent system and if bank is making any
changes then why not it is dismayed among their controlling office and why
system is not update accordingly. If bank has reservation about anything and
need to confirm if from staff then why to wait for his resignation and staff
retirement is this in intention to later black mail him or his successor after
his death.
i. I
did not violated any code of ethic of MCB Bank Ltd, in fact bank code of
conduct has some contradiction not criticizing bank but informing for
improvisation and to stop bank double justice standards and procedural laps by
officer its staff MCB Visa credit card that is in violation of bank code of
conducts and purchase of MCB Mutual funds or MCB banassurances.
This is humble request to you please
review my justification in my defence as my heart and soul are clear and are
bright as sunshine my past track record is my credibility for your perusal and
I put my case in Allah’s court for justice for being tortured abused by audit
department and in collaboration with COCKE purposely. If auditor Arshad Nadeem
sons who was working in MCB Bank Ltd under the Contract and accepting Indemnity
bond for services at least 3 years in bank is out of bank in violation of said
agreement is it not open contradiction in bank policy and power of audit
departments were might is right and people just like me believe on pure
struggle and make efforts to justify their salary and to employer are wrong and
are miss reported and dragged in to punishment system by different department
just simple putting resignation. I request I that my parents gave me good food
/shelter and education and manners and strong believe on Allah for justice. I
would request you to please withdrawn said wrong allegation and miss fit
chargesheet on me for unauthorized leave falsely (Said case
documents are also attached for your ready examination and necessary action as
Annexure 7) may Allah give you courage and strength to do justice
on surface of Allah’s earth with “ adaal & insaf”
Yours obediently,
Encl:
