[Resolved]  Fullerton India Credit Company Ltd. — Refund of Additional deducted EMI

Address:

Mumbai City, Maharashtra

Date: 01/03/2012

Dear Sir

I have taken a 2 wheeler loan from Fullerton India Credit Company LTD.
Loan details are as follow,
Name : Nilesh Sudhakar Shivdavkar
Loan No.: [protected]
EMI Rs. : 2143

I had regularly paid all ECS till date.
In last month Feb-2012 EMI was due on 5th Feb 2012 because of my salary problem there was no sufficient amount in my ICICI Bank account. (Ac no.[protected].

In this regard I have contacted customer care of Fullerton India Credit Company LTD.[protected], they have suggested me to visit bank to pay EMI in cash. As suggested by them, I have paid EMI in cash on 11/02/2012. They have charged me a penalty of Rs. 550/-. I have paid the same. Receipt of the same is enclosed herewith for reference.

After this cash payment also, Fullerton India Credit Company LTD. has deducted additional ECS again on 15th Feb 2012.

I have registered my complaint to get back my additional deducted EMI back to me. They gave me complaint no NC02EMI569433. After this their representative Mr. Santosh & Mr. Satish Kawade has contacted me & asked me to provide cash payment receipt copy & bank statement for their reference. Immediately I have provided to them by email.

Another representative called me & informed that they have raised request to refund my EMI back to me, but not refunded & no feedback/ response from Fullerton India Credit Company LTD till date.

Every time a new representative from Fullerton India Credit Company LTD is talking with me & again asking to brief complete complaint details. I am getting mentally harassed by this.
I am really disappointed by the treatment from Fullerton India Credit Company LTD, as they are not responding & not giving any feedback.

As they are charging penalty for delayed payments, on that basis I claim for interest on this additional deducted EMI amount from date it deducted to the date it get refunded in my account.

Claim for following,
1. I should get additional deducted EMI amount back to me.
2. Interest on this additional deducted EMI amount from date it deducted to the date it get refunded in my account.
3. If they can deduct EMI on 15/02/2012 after cash payment on 11/02/2012, then there is no meaning of penalty charges, I should get back this penalty charges (Rs. 550) back to me.

Enclosed:
1. Receipt of Cash payment on 11/02/2012
2. My salary account bank statement.

I kindly request you please look in to the matter and get me back this extra deducted ammount.

Thanks
Nilesh Shivdavkar
nilesh.[protected]@gmail.com
[protected]

[protected][protected][protected][protected][protected][protected][protected][pr...⇄

[protected] Forwarded message[protected]
From: Nilesh Shivdavkar <nilesh.[protected]@gmail.com>
Date: Mon, Feb 27, 2012 at 9:45 AM
Subject: EMI refund
To: satish.[protected]@fullertonindia.com

Dear Mr. Satish

Awaiting for your positive reply in the concern.

regards
Nilesh S. Shivdavkar
[protected]

[protected] Forwarded message[protected]
From: Nilesh Shivdavkar <nilesh.[protected]@gmail.com>
Date: Thu, Feb 23, 2012 at 11:17 AM
Subject: EMI refund
To: satish.[protected]@fullertonindia.com
Cc: [protected]@fullertonindia.com

Dear Mr. Satish

Thanks for calling.

As pe our tele discussion here with attaching EMI with penalty cash payment reciept & my bank statment for your refrence.

I kindly request you please refund me my additional deducted EMI amount. Also inform me then what is the meaning of penalty if you can deduct EMI on 15th Feb 2012.

Also why should not I get intrest on this extra deducted EMI amount till the date it get refunded, as your charging penalty for delayed EMI payment.

Looking forward for your best co-operation in the concern.

Best Regards,
Nilesh S. Shivdavkar
Cell :[protected]
Email : nilesh.[protected]@gmail.com

[protected][protected][protected][protected][protected][protected][protected][pr...⇄

[protected] Forwarded message[protected]
From: Namaste <[protected]@fullertonindia.com>
Date: Wed, Feb 22, 2012 at 11:42 AM
Subject: FW: Google Alert - Fullerton India
To: nilesh.[protected]@gmail.com

Dear Mr.Nilesh Sudhakar Shivdavkar,

Thank you for writing to Fullerton India.

We acknowledge the receipt of your email dated 21-Feb-12. We have made a note of your complaint regarding EMI refund. Please refer to your complaint no NC02EMI569433.
We are investigating the matter and shall revert to you at the earliest.

For further queries, you may call us on the below contact numbers:
¨ [protected]Toll Free Number)
¨ [protected]
Text message (SMS):’Contact Me’ at [protected], Fax:[protected]
For Information on our products and services, you may log on to www.fullertonindia.com.

Regards,

Namaste Cell
Fullerton India