Ebay.in — Cutomer care hung up - Unnecessary charges levied and non-equated amounts in EMI

Address:

Kolkata, West Bengal

Hi, My Ebay ID is anandtiwari0409. I purchased a Dell laptop on14th April (more than 3 months ago) and I chose EMI option to pay the amount. As per the policy, I was charged 13% interest on that, and hence I was supposed to pay Rs. 2249 every month (for 12 months) to the credit card issuing bank (i.e. HDFC bank in this case). Now, every month the billed amount varies and shoots up Rs 30 or so (like Rs. 2269, 2282, etc) and also an EMI processing fee is charged to me (around Rs 280 every month). So, basically for a laptop worth Rs 28500 approx, I am paying 13% interest and then Rs 3500 extra as processing charges, which makes it worth Rs. 34000 aprox. Surprisingly, there was no mention of processing charges at the time of buying, however the customer has to incur that, because you are billing it as you wish. and the EMI amount varies per month. These two logics are unfathomable to me. As per my understanding, there should be NO EMI processing charges if the merchant has a tie up with the bank, and even if there is, it has to be only for the 1st time, not every month. And more so, I called up EBAY customer care thrice, in which I was hung up after being kept on hold for 10 minutes. Is this the way you treat your customers? If this is the situation, then you are doing fraud with customers. Tthey should be apprised of your policies. Also, if you are going to charge me like this unnecessarily, you may very well take you laptop (hardly used so far) back, and give me back my money. I dont want to be a part of your fraud game. Please look into the matter concerned or else, I will approach even higher authorities to deal with the situation.