Family Credit — 4 wheeler loan - cheque bounce charges taken after some years of loan completed - No proper response from Trichy branch, Irresponsible and rude reply

Address:	620008
Website:	Family Credit Car loan, Trichy

Hi,

I have taken a car loan from family credit and I have paid my loan completely before couple of years. But today morning some amount has been debited from my account in the name of Family Credit mentioning as some bounce back charge. But when we are paying our EMI if the cheque bounces back that charge would be taken an the same day usually, was unsure why it has been taken after years passed even after completion of loan.When we went to the branch where we have taken loan we dint get any proper answer from the branch and the employees and manager says "Money will not be refunded, 'DO WHATEVER YOU CAN'". Is this the proper way to speak with the customer for taking money without any intimation. And we are treated very badly in front of all employees over there. If we take loan from this company do we need to pay our self respect in return. The employees in the branch also states that we should have taken NOC document. But we are not informed any like that. Is it our mistake that we have not been informed. Proper action should be taken on the company, branch manager as well as employees who have not responded properly and also need proper explanation or refund of money in any case. It is not at all appreciated. Very very very wORsT experience with family credit. only company who takes charges even after completely paying the money back and with no response. They made us to wait the whole day in their office who are above 40 years.