I had taken a consumer loan for buying a laptop from Panipat, Haryana branch. Against this I had issued post dated cheques . I have noticed that one cheque had not been debited to my account. Regarding this one Mr. Krishna and Mr. Manoj Tyagi (mobile no. 9254241003) from Panipat office had called up a couple of times in Feb and Mar, 2008.
They initially informed us that they had lost this cheque by mistake and requested us to issue a new cheque in lieu of the lost cheque. I asked them to put this on my email id .I told them to advise where I can drop the new cheque in New Mumbai.
After about 10 days they called up again and changed there stance about lost cheque. Now they informed me that this cheque was presented and cheque had bounced due to insufficient funds in my account.
I cross checked with bank and found out that funds were always sufficient in my account and the said cheque was never presented for clearance.
I received a call from Panipat office again and informed them about above. In hearing above both of them started name calling over phone.
I got a call again from them on March 16, 2008 and requested them to kindly advise on following:
-The fate of the cheque,
-In whose favour the new cheque should be issued.
But till date I am yet to receive any intimation from branch office. Inspite of repeated emails to their customer service, panipat, delhi and mumbai office no response is recieved.
as i had deposited two cheques as on 14 th march 2008 till now it had not been credited in my account. i had put complaint having no. SR 64913653dated 03 rd of may 08. another complaint on 24 th may 08 verbally. on 26th may 08 i had to RAVI SINGH ( MANAGER) regarding this having complaint no. sr 67382727 in order either to get cheque credited in my account on 04th june 08 or clearance should be given to my ECS of 1888 which will hit my account on 05 th june.
u can keep my cheque 70 days for clearance & why not ecs should get cleared.if fund is not sufficient in my account than ecs will get bounce & u take charges for that . why not you pay charges for the cheques which you had kept for 70 days & mental harassment which i am facing .
if that cheque is not get credited in my account on 04th of june 08, which is 21st working day from 10th of may. 2008, why should not i go to consumer forum for the above.
I am the student of class MCA First Year From “Institute of Management Education” ( Address :- G.T.Road, Shahibabad, Ghaziabad, U.P. ), Name Ms.Rashi Gupta D/o Sri Akhilesh Kumar Gupta( Add. Sri Akhilesh Kumar Gupta, Kachahari Tola, Kannauj-209725, Disstt.Kannauj, Uttar Pradesh
Sir, these days I was in our Home Town Kannauj for spend our Winter Vacations at the End of First Semister.Last days I have to face lot of problem because I have no Laptop or Computer who is most important for my MCA Course . Our course wants most of time spend on Computer and all the Preparation done in front of computer. When I was in college I was use our college Lab for Practice and after college I have no computer for Home Practice, and our course wants 3 to 4 hours home practice. And My father have no money for purchase an Laptop or Desktop his Financial Condition is not good, he can’t purchase Laptop for me . I was taken loan of Rs.2, 00, 000/- for my Education from our Public Sector Bank M/s Bank of India .When I was visited market and enquired for Laptop range because I cant Carry Desktop for my Practice, I found minimum range of Laptop Rs.20000/- .
So, this is my humble request to you Please help me for purchase a Laptop worth Rs.20000/- .
I again request to you please help us, because this is most important for my education.
this is avik roy.i am salaried person.last april i took a consumer loan from bajaj.now i want to setteled it.in that situtation i realy want a laptop.can u inform me about the emi & down payment.as soon as possibel.
I have exactly same experience from Bajaj auto finance here at Bangalore for a laptop loan. Loan is arranged by acer dealer in the month of july 2007 and i gave 10 emi cheques. For first 6 months they did not post the cheques into my account. I repeatedly called the vendor and finally he stated shouting at me saying "Why bother me, Call the Bajaj guys!!" and he gave me a couple of numbers. After my repeated complaints they posted 7 cheques altogether in january and 1 cheque in February 2008. I was expecting this and the cheques got debited properly. Now for the rest of the two cheques, they called me and told that they have lost them and promised to send a person with the apology letter and asked me to send the replacement cheques. I agreed. Later their helpdesk called me and asked me to immediately pay the "bounced cheques". I asked them to send me the proof of the "bounced cheques" as i know that the cheques were lost and never submitted. There was no reply till june 2009 and now i received a legal notice accusing me as evader and calls for a settlement. I owe two emi worth 3755 which totals to Rs. 7510/- but the legal notice demands Rs. 9010/- which could be the outstanding plus interest. I called them and made it clear that i will pay only what i actually owe them. If their collection department is callous and complacent, I cannot take the punishment for that. I am ready for a legal battle if they demand more than 7510. Also i will not pay unless i get the appology letter or the unused cheques which i had submitted to them.
I have want to buy a laptop in HP company .the model number is HP pavilion dv7t in 6to8 month finance. write now i leave at Husur in Bangalor .my house is at Asansol in west bengal.now i work at TVS motors so what i do now???