[Resolved] Bajaj Finserv — Processing fee charged without document

kdas04

from Kolkata, West Bengal

Address:

700112

On 28/07/2016 i purchased a refrigerator. I opt bajaj finserv loan. Bajaj finserv representative named mr somnath bose charged ₹1200 as processing fee. Provide no document. I mail to bajaj finserv for clarification of the matter and detail of my loan. Surprisingly processing fee is mentioned nil. I talked to mr bose mentioning such clarification and demand my ₹1200 back. He clearly said bajaj finance charge processing fee but provide no document. I again mail to bajaj finserv. I got a call. The respondent tried to make me convinced that what mr bose did it is his personal activity. I request to take punishment step against mr bose but not accepted my word.
In this situation i want punishment of mr bose for malpractice and ₹1200 back if no documentation guranteed

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Aug 28, 2016

Complaint marked as Resolved

Following the guidelines provided by central consumer forum authority I wrote letters to Bajaj n lodge complaint to grievances redressal of Bajaj. They corresponds to me n issued cheque as refund. Thanks to central consumer forum

Bajaj Finserv customer support has been notified about the posted complaint.

Aug 09, 2016

Updated by kdas04 My bajaj finance loan Customer id 34621016 .
Total amount ₹20500
I paid as Advance ₹8035
Rest amount ₹12465 but they are charging ₹13672 (8 EMI @ ₹1709) while the loan has 0% interest and no processing fee.

Aug 11, 2016

Updated by kdas04 there is another fact. I purchased refrigerator from great eastern sodepur (north 24 parganah, west Bengal). Invoice no.23/SA/1617/05988.I was proposed to have 0% interest scheme. I paid ₹8035 as advance. But while I got e-document from Bajaj I found advance amount is ₹ 6800 instead of aforesaid amount. ₹1231 is paid by dealer (read GREAT EASTERN ) . That's why my rest due amount become higher. The fact make me aware that 0% interest offer is fake . It seems to ma that proposal of 0% interest and no processing fee is a mutual conspiracy of GREAT ESTERN and Bajaj finserv to cheat consumers.

Aug 11, 2016

Updated by kdas04 Email address of greatestern sodepur: [protected]@gmail.com

Aug 28, 2016

Updated by kdas04 I solve the matter according to the guidance of consumer forum..

Verified Support

Aug 31, 2016

Bajaj Finserv Customer Care's response Hi there, we regret the inconvenience caused to you. We wish to inform you that we have already noted your details and shall forward it to our customer care team. Someone from the team will get back to you shortly.

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Comments

Sameernnn

from Delhi, Delhi

Another case from my side. I purchased a basic HP Laptop worth 21500. As I have Bajaj Finserve card, I applied for the loan. Down payment took by them is 7170 + 1000 (processing fee) and remaining amount 14330 is divided into 6 months installment, i.e. INR 2388 per month. So the total amount with 0% interest should be - Down payment - INR 7170 and 6 months installment - 2388 * 6 = 14330. Total is ~ 21500 which is my Laptop's price. Now the question is of INR 1000 processing fee.

On asking for the receipt for INR 1000, they denied to share it stating no one asks for it. I somehow explained that executive the need of such receipts for me and he gave me an LTS form (I don't know whats that). As I was quite sure that there is something wrong and these people are not going to provide the receipt I asked the executive to call his manager (Ketan Singh)

Ketan and my conversation -

I explained the overall scenario and he started deviating the topic on "how is your Laptop", "Do you have any other requirement". I said lets come to the point, I need a receipt of INR 1000 to which he said we do not provide the receipt of INR 1000, we can provide you an LTS form (LTS form mentions processing fee - 0.00 and some interest - 900 and service tax 99 - Total ~ 1000). Ketan clearly said that they do not provide any receipt against processing fees incurred, we are here to do business and not charity, you don't teach me how business is done and please cancel your product, having bought a Laptop of 21500 and teaching me business.

My response was crisp - You have no right to inform or advice me about product cancellation, I wont cancel, I need the receipt. If not, my uncle who is a lawyer would get in touch with you.

Ketan scarily replied, I might be busy and cannot receive anyone's call. I asked where are you based, we will reach there to clarify this to which he said drop a line to our customer care and then he disconnected. I had nothing to say apart from the word "Fraud".

My point is
1. Bajaj Finserve is making false marketing by passing 0% interest message
2. If they want to incur processing fee, they should give its receipt
3. Executives of Bajaj Finserve should be given a training on objection handling and most important, how to speak with the customers and how to attend them

Dear Bajaj Finserve (Ketan Singh), I understand that you are here to do business and giving 1000 Rs. for me is not a big deal, but please provide its receipt and if not refund the sum of 1000 and do not incur any processing fee form your customer, instead charge them interest.

Please provide a solution, else I have to dig this case with the help of my lawyer.

Sameer Kulkarni
[protected]
[protected]@gmail.com

Retail Outlet from where the Laptop was purchased -
VIJAY SALES SADHU VASWANI CHOWK
PMT Building, Sadhu Vaswani Chowk, Near Baveria Motors, Near Pune Station, Agarkar Nagar, Pune, Maharashtra 411001