[Resolved]  Citifinancial Consumer Finance India Ltd — refusal for top up of my personal loan

Address:

North 24 Parganas, West Bengal

sir,

I am Rajiv Kumar, i am a customer of city financial since 2006. At present my loan account no is 14491914. First i got loan from Mumbai, Fort branch my interest rate was 27 % pa. when i got loan that time his branch representive guide me you can take top up every after 6 month when you approved for top up loan your interest will be down at least three to six % pa. after some time i got top up from same branch and after that i was transfer from mumbai and again i applied for top up at Kolkata Kankurgachchi branch and after some time i got a top up. but after that now they refuse to give me top up. their reply was so negative. your cheque was bounced and like that. on this regard i already give clearification why my cheque was bounced they are not ready to liten me. i also make so many complain online and and also spoke on phone to customer service but they also not ready to give me clear reply. my last mail and the company reply i copy at the end ple refer it.

thank you

Rajiv Kumar
Mob - [protected]
Email id - [protected]@rediffmail.com

Dear Mr. Kumar,

This is with reference to your mail regarding your Personal Loan facility with us wherein you have raised concerns on the delay in enhancement of your loan facility.

In this regard, we would like to reiterate that the offer made to the customer for the loan facility is subject to terms and conditions, which includes evaluation against the credit parameters of the company.

Further, we regret to inform you that in accordance to our credit parameters; currently, we are unable to provide you with a loan of your choice. Also, we would like to share with you that our branch official, has already spoken to you. We understand that our officer has already updated you with the requisite information.

Mr. Kumar, CitiFinancial is committed to setting service standards which are completely aligned to surpassing our customers’ expectations. It is our endeavor to effectively listen to our customers, ensure prompt support to address their grievances and provide them exceptional customer experience. If our interface has left you with an impression to the contrary, we express our regrets and hope our future interaction will fully restore your confidence in our services.

In case you require further clarifications, please contact us through any of the channels mentioned below. Also, kindly quote the aforesaid Loan Account Number in all your future correspondence with us.

Assuring you of our best service always.

Thanking you

Customer Service & Quality
CitiFinancial Consumer Finance India Ltd.

Sent: Friday, May 21, 2010 11:46 AM
To: We Care
Subject: Re: Loan Account Number 14491914

again i wrote about personnel loan. your organisation must be give me reply why not i take topup. when i pay 27 % interest that time i was illigable now the interest rate should be reduced by your organisation i am not illigable. i want neat and clean sentence used by your organisation so that i can take further action againt you through various media like consumer forum, civil court etc. after that your organisation must be take serious action when your client put up some request. your organisation not putting any efforts on my case i know because i received a call from your call centre and she asked me some question why your cheque bounce and when you put up last complain do you have last mail copy send it again etc. that conversation proved that your organisation not talk to your branch and decide i am not illigible. all question asked by your call centre should be asked to the branch. and the cheque bounce case one of the gentle man on the phone (call centre) told me your charges reverse on branch without any reason that is depend on branch. its not necessary that the charge reverse for cheque bounce should be have any reason. that means your branch should do any thing. this is my last mail and hope your organisation take serious action. if i am defaulter then my name should be in defaulter list on various place that is organised by another media also.