[Resolved]  Capital First — cheated with wrong communication - personal loan

Really had a very bad experience for the first time banking with Capital First .

Please find the below details for your kind reference :

1) I have applied for a personal loan with Capital first through some agency person by name Masthan

2) He initially agreed for 12.5 % and processed my loan

3) I have received a call from one of your executive by name Shilpa ( Contacted Number : ([protected]) on 17th November'18 and asked me few Personal details and later i have discussed over the call about my Interest Rate and Monthly EMI, She said it is 15% and Emi 14390 /- i was surprised and informed her that agency person has conveyed me that it is 12.5 % and 13290/- will be my EMI and i have asked her to cancel if it is 15 % of interest she said OKAY and disconnected the call.

4) Later i have received a call from agency person he said she is her manager from Capital First and she agreed for 12.5 % and asked her to move forward i have cross checked with him twice and requested him to process if it is only 12.5 % of interest he said - YES THIS WAS AGREED BY HER AND THEN ONLY IT WAS PROCESSED.

5) Later to that i have not received any call from SHILPA about my acceptance as well - She only spoke to Agency person and approved my loan amount with out my concern .(I really do not understand is Customer Important or the agency person) .

6) With out my acceptance or concern the loan has been credited to my account

7) I was also informed there is no insurance for this account as i already have insurance with HDFC ERGO - Agency person promised me that he will NOT DEDUCT Insurance from my loan amount and i was not signed on INSURANCE DOCUMENT - THEY DID FORGERY OF MY SIGNATURE and processed my loan document with insurance.

I request you to kindly consider and please help me with the below regards :

1) First thing is both Shilpa and Masthan cheated my with wrong calculations
2 ) Shilpa from Capital First - did not took my approval, i have asked her to cancel when she initially spoke to me about 15 % interest she said OKAY and she spoke to only agency person and disbursed money to my account ( As a customer i have to agree to disburse the loan ) Is customer not important ?
3) He did FORGERY of my signature and sent the loan documents with insurance ( THIS IS AGAINST THE LAW)
4) They promised me for 12.5 % and loan disbursed to me for 15 % which is 14390 /- Pm EMI, i have agreed for only 13 000 /-
5) I have not received any Sanction Letter or Welcome letter or any message to my mobile at least regarding my loan or else i could have clarity on my EMI which was not happen.

Contact Details of Agency person :

Masthan: [protected] / [protected]

Shilpa (Capital First) - [protected]

Please some one help me how to proceed