Barclays Finance — Wrong EMI

rajivdube

from Pune, Maharashtra

Address:

Mumbai City, Maharashtra

Dear Sir / Madam,
pls refer below mail for detail information regarding the loan which i had taken in 2008.
during the 2008 your executive tell me its 24 month period & your EMI is 3,147 Rs.at 17% interest . previously i had so many time sent the mail for my Loan Repayment Track / welocome letter.Even in customer care center but till date i am not got any kind of reply regarding Repayment Track (pls refer attached list) & also i personally visit to you Bank Branch ( sakinaka - behind Sudersan Hotel) A branch where i had taken loan in 2008 but your branch is shifted or located in some another place , & telephone no also not in workable . Similarly also i am check in pune barclays branch but loan account no not in access.

Thanks for given me track record but in your sent Repayment track my first EMI Start from amount 66,200 but i received only 63224 Rs cheque & i had paid all amount for loan processing at that time.
i have only below document which i had received at the time checque given by your executive.
INSTRUMENT NO : 009362.
DATE : 9/05/2008.
AMOUNT : 63224 RS.
LOAN ACCOUNT NO: LCO[protected]
CHECQE DETAIL :
DATE : 9/05/2008.
C.A. A/c; ANWB / DEL[protected] ICICI BANK NEW DELHI.
RTGS/NEFT IFSC CODE : ICICI0000007
"009362" "02290021: 024101" 29

pls refer Detail : Amount taken as loan = 63,224.
For 24 months total amount with EMI / 3147 = 75,528Rs.( till date i paid 25 EMI = 78,675)
Now,As per your new chart 36 Months total amount with EMI / 3147 = 1,13,292 Rs.
is this right charge for 63224 Rs.Loan ?
its my Very kind request pls recheck about my correct Repayment charge.& revart me back with positive result.
Best Regards,
Rajiv.Dube- [protected]
________________________________
Same confirmation sent to ________
Karishma Shah.
Manager- Customer Relations
Barclays Finance.
65977221.
Office Address:-
2,3,4 &5, Chintamani Plaza, Ground Floor,Andheri Kurla Road, Chakala , Andheri East, Mumbai – 400099.

but till date i am not received any replay
pls look in to this matter on priority.

Rajiv.Dube
[protected]

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Comments

Anil Kumar T

from Delhi, Delhi

Barclays Finance — EMI

Sir,

I have availed a personal loan from Barclays Finance, Faridabad Branch. My Loan A/C no is LC[protected]. On 03 Aug 09 an ECS was presented to my bank for Rs. 3666 and the same was rejected due to lack of fund. After consulting me the bank has send an excecutive to collect the same amount. I have paid this amount vide ch no 430670 dt 07 aug 09 for Rs. 3666/- of HDFC bank to Offshoot Agenct Pvt Ltd (Receipt No 99428) on 07 Aug 09. The amount has been debited from my account on 12 Aug 09. Again The Bank has presented the ECS on 18 Aug 09 and an amount of Rs. 3,666 has been debited from account. Now the bank is ready to pay me back the over charged EMI after deducting the bounce back charge.

My question is that now the bank has my money with them so that they could able to deduct the money. If it was not there how they are going to charge it. Offcource I know that one day I have to pay that amount.

Once the bank can charge me the bouncing cahrges why cant the bank pay me for double deduction of EMI. Why the bank has requested to me to pay the EMI by cheque once there is a provision of preseting the ECS second time. The bank has done it deliberatly to deduct their baouncing charges from me.

I need Rs. 3666/- plus a penaly of Rs. 500/- .

Sunil Seshadri

from Mumbai, Maharashtra

Barclays Finance — Cheating with the EMI

I had taken a PL from Barclay's Finance in Mumbai after they persuaded me with their best of services.
My EMI did not go thro in a month and i prompltly paid the cash amount along with their huge penalty of 600 rupees for EMI bounce.
After this again, they debited my Bank account towards EMI in the same month. When i called them 2 days later, they said their system is not updated and asked me to call back after another 3 days.
3 days later, when i called up, they took down my complaint and informed me that a cheque would be sent to me in 10 working days.

1. How could they be so irresponsible to debit the EMI again when i have made a payment?
2. For the refund, why cant they credit the Bank account within a day or 2, when they have my SB account details with them.

They seem to be looting the customer by retaining their money inappropriately and holding it for a long time to enjoy the interest they would be getting