Dear Team,
I had availed a financial assistance of Personal Hybrid Flexi loan amounting Rs.1146433/- on 18.02.2020 vide loan account number P410DHP1521901. And I had repaid the entire amount in February 2021. Even after that they had deducted an AMC charge in March 2021.
During the time of loan disbursement, Sudipto (+[protected] was unclear about the foreclosure charges. I got a clarity only in February 2022 when they again called up for keeping an adequate amount for the AMC payment.
I had requested the team to close the loan account as I had paid off the loan in February 2021 before resigning from my employment. Still they had taken the AMC after that.
And right now, I am not employed
anywhere.
The Bajaj Finance We Care Team wrote to me -
"Further to your query regarding foreclosure charges, Refer Page No. 20, Under Schedule II, Point No.8, Prepayment Charges - Full Prepayment charges where it is mentioned that Foreclosure charges will be applicable 4% plus Taxes on reduced assigned limit".
Now since there is no outstanding then why not close the account? Unnecessarily, why do I have to pay the AMC when there's no loan outstanding. Howcome, now Bajaj Finance is asking me to pay an outstanding amount of Rs 109/-?
The company's sales person Sudipto (+[protected] was not available to talk when I was texting him to close the account. He got someone on the phone to tell me that closing of the account is not possible. But while getting the customer onboard he was super quick in directly responding!
Total lack of transparency on part of Bajaj Finance when it comes to closing of flexi loan account.
Fraudulent activities denied by Bajaj Finance:
Against this loan account a fraudulent activity of Rs 12100/- was done through Bajaj Mobikwik app on 30th November 2021 after the call came from Bajaj Finance (as the Truecaller showed). After realising that I was fooled, I had disconnected. The fraudster then repeatedly called up on my mobile (as shown in the attached screenshots.
As was expected, Bajaj Finance denied the involvement of its employees and gave me some IP addresses. If some employee is not involved in divulging customer info to the fraudster then how could he tell me the transaction details of the loan account?
And as I have heard from others, this is quite common followed by a futile exercise of writing to cybercrime cell for the customers.
The fraudster has already taken four years' AMC from my ICICI bank account and currently I have no money in the bank after the fraudulent activity.
Hence, I would request Bajaj Finance to close my loan account without taking any further charges - be it foreclosure or Rs 109/-.
I would wait with patience till the issue is amicably settled by the company else I would have to put up this letter on social media and give a Google review.
Thank you.
Nilanjana De
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