This is Justin Raju, I was approached by one of the customer care of Bajaj finserv they told me about the overdraft facility and their main focus was that any emergency you can use this amount and the charges will be only on the amount that you withdraw from the the virtual account so they offered me somewhere near 700000 into the virtual account of Bajaj and they told me that you can close it anytime if you want and if you want to maintain this that you will have to pay some 1400 per year but now when I went for the foreclosure of this overdraft they are asking me 34000 on the total amount which i have not used that is there charging 4.32 % on the 700000 and they had charged me 7500 as processing fees which I have not used this is a very strategic way of cheating the customer I will request each and everyone not to go with over draft facility instead go for a loan
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