[Resolved]  Tata Motors Finance — EMI related

Address:

Maharashtra

I had taken an Auto Car loan from Tata Motors Finance. The first 8 EMIs hit my account on time , the 9th EMI never reflected in my account. I started getting rude calls from TMF Borivali asking me to appear before them at their branch. On checking from my bank, I was informed that the ECS mandate was wrongly dated and hence the EMI was not cleared from my account inspite of sufficient funds being available. By the time I was able meet the concerned people at Borivali Branch...who were very rude and treated me as if I was some kind of criminal by making me wait for more than an hour...the next months EMI had already hit my bank and also got cleared. After that all EMIs came in my on time and got cleared...this inspite of not submitting any new ECS mandate to either TMF or my bank.

While I was ready to make the ECS amount payment, the branch refused to accept the amount without the bounce charges which I have denied to pay since it was more of a technical fault. I have also scanned and submitted my bank statements showing that my funds were available during the time the ECS was supposed to hit my account to the Customer Care. Though I was being assured that they will be looking into the matter , nothing has been done for the last two years. Now my loan tenure is also over, and leaving the ECS which never hit my account due to the mandate problem, all amounts have been cleared.

This entire issue has also been reported by TMF to Cibil, thereby affecting my report. I have all correspondences with Customer Care as well as the then Branch Manager Digamber Dhige(who was a lotus in the muck of grime in the branch). Unfortunately even he is no longer with the branch.

I am ready to pay the ECS amount anytime I am asked for...but not ready to pay any charges which are not due to me, because it is not my mistake.