Readers are advised not to avail loans to finance Consumer Durables from the suavely named "Bajaj FinServe Lending" (Bajaj Finance in essence) given my recent experience.

Due to other preoccupations an EMI amt of about Rs. 1300/- was missed. I am on my last leg of my 2 year loan with them which comes to an end in 3/4 months.

On 16th July between 11.44 am and 1.30 pm, a caller from Bajaj Finance and/or its associates(24 Park St Kol 16) by the name of Jayanta Bose called from the number (33)32422010 on 15 occasions in context of that missed EMI of a consumer durable loan.

The chap was highly abusive. He threatened to continue calling throughout the day. The caller misbehaved with another executive of my office as well. This was despite the fact it was informed that the overdue payment of less than Rs. 1500/- would be made online.

We called their all India number. They were not able to help. They passed on the number of the Kolkata Branch. One Abhay Mondal in Customer Service picked up the phone at 03330213301. His tone was more of that of a local club functionary. Initially he expressed his inability to help saying these were "collection calls". However when we warned that the matter would be escalated from our end giving his details, he gave the collection center number.

It was only after we spoke to one Bidyut Sen at 30213300 (mobile 9051023062) that the calls stopped coming. We overheard the conversation he was having at his end over phone wherein he was instructing someone not to make the calls as he was dealing with the customer.

So, if you do not want to get into an interface with hoodlums under the disguise of "corporate" Bajaj & Co. please avoid financing from them.