[Resolved]  Bajaj Finserv — Collection practice and a request to consider

Address:	Vadodara, Gujarat, 390009
Website:	www.consumercomplaints.in

I naina tilwani, a resident of vadodara (Gujarat, india) would like to bring to your notice that on september 25 2015, i had purchased furniture on consumer loan by bajaj finserv, loan account number - 413sce14782871 with an emi of rs.7056 with a pay back period of 8 months.
As a genuine customer am fully aware of my responsibility to pay back loan
As per schedule but in past few months my financial situation had changed
Drastically due to which i could not arrange the funds and could not
Deposit a single emi as well to my utter regret.
In the month of october, a month after purchase my mother in law got almost bedridden and thus i had to manage my and job as well as my home with a 2year old kid this is where the problem started. I was unable to manage everything simultaneously since i used to have night shifts at my job and it led to destabilization of my financial situation as we had to manage my mother in law's medical expenses and job equivalently and no one being there to take care of my kid (Since my husband also works night shifts along with me) we both had to take leaves multiple times ultimately leading to low salary and unexpected expenses shooting up.
I immediately conveyed this to a bajaj finserv executive involved in dispersing my loan and infomed him that i won't be able to make payment of the first emi on time and am not sure about the second one as well and if he wants he can take the product back to which he said product once sold and loan being already used to get the same he cannot take the furniture back though he will escalate my concerns to his superiors so that i can get some time possible to make payments although with late fees applicable to which i agreed.
Meanwhile my 2 year old son suffered from acute diarrhea and this led to us being mostly on leaves as we had to take care of my mother in law at home, my son and at the same time manage office which became very difficult thus adding more troubles to already distressed situation. If this wasn't enough the cruel destiny made me encounter a miscarriage making me bedridden for few days and it became extremely difficult even to survive without basic needs.
Subsequently i and my husband were asked to quit the job due to excessive leaves and underperformance and we were almost clueless about how to go about.
At the same time one day in my absence an executive from bajaj finserv detailed out my entire loan information to my house owner and he asked us to vacate the house immediately.
However being educated we strived hard to bounce back by doing all we could but it took a considerable time for us to be back on job and turn things our way which by god grace appear to be almost on track now.
Meanwhile all through this period i was contacted by bajaj finserv executives who changed on monthly basis and they visited my place and saw my situation on their own. Couple of months back no executive from bajaj finserv collection department contacted me so i called the last executive who visited me and informed him that from july 15th onwards i can start my emi payments along with late fees applicable to which he said he would convey the same to his bosses.
Few days back now i received a call from an executive of bajaj finserv demanding payment to which i informed him that as agreed upon by his predecessor he can come at my place anytime on 15th july (Next month) and get the same collected however to my utter shock he rebutted that with rudeness and demanded a meeting on urgent basis to which i agreed. He (Chirag patel) came to my place reviewed all product items and demanded a payment immediately. I explained him all my situation and requested him just 30 days time to resume my payment which he rudely turned down and said that he wants me to pay immediately 30000/- as one time settlement towards the loan as he has been directed by the company to not accept emi. Now, had i been having 30, 000 rupees i would have instead paid emi quite earlier and i