Fullerton India Credit Company — mental harassment

Address:

Jaipur, Rajasthan

Dear Sir, I want to make a complaint against Fullerton India Credit. I was very thankful as when I was looking for funds and Fullerton Was the one who helped me. Every month my ECS was deducted from My union bank account on every 3ed of every month. While the time of PL Loan Fullerton did one insurance which was to save customer? I case of any problem happens while repaying it. On 2ed May 2013 i meet an accident Due to that my left Leg 3 ligaments damaged. I was in private Job and since past 4 years was working for company Wings Brand Activation pvt ltd as Branch Head Jaipur (Rajasthan)(Brand Events, Promotions(School contact Programs, Road shows etc...)), I was the single earning person at my home. Due to my accident is was not able to do my work properly and on 1st Oct 2013 I resigned from Wings Brand activation as they were not paid me any salary since Aug 2013. Somehow i managed my Emi (My Home loan Rs.10335/-, PL – Rs.2865/-, my office rent Rs.8000/- pm) till Sep 2013, but after Sep 2013 things become difficult for me. As i was the single earning person taking bed rest was not possible and just because of that my Leg problem remains same as it needs to be operated and minimum expense of 2 lkh and complete bed rest of 2 to 3 month. When i checked my insurance paper which was done by Fullerton I was happy because there was a condition of LOJ( loss of Job) 3 emi will be paid by the them. So I emailed Fullerton help line with my all details given blow Cust ID:3671170 Name- Vikas Sharma, Lan [protected]. PLoan Amount:68, 250/- They replied saying that yes your Loan have insurance so contact over person they will help you. I was happy to see revert but due to my leg problem i reverted and asked them to send somebody from their office to collect needful doc. They never reverted and I thought that they have informed there people. In Sep 2013 my bank account was not having funds(PL ecs come ever 3ed ) and the PL ECS bounced. I was not expecting this to happen. 22ed Oct one person came and said sir your ECS is bouncing for last 2 months and you have to make payment by tomorrow. I informed him that i have no issue in paying amount but I asked him to take a copy of the insurance. He said he will forward it and i don’t need to worry about this. So on 23ed and 24th Oct both month amount was paid by me. Nothing happen in Nov they deducted ECS and again in Dec they deducted ecs as i put some funds in my account. In Jan, feb and March 2014 there was no amount in my account all 2 ECS bounced on 25th March 2014 one Manager (Naveen Sharma mob [protected])of Fullerton came to my place and said if you don’t pay now then You will be in trouble but when i informed in regards to the issue he said sir your EMI is just 2865/- for PL for 3 month it will be around 9 thousand its not to huge amount also no body Submitted that insurance doc and 6 months hve passed away now you can’t clam Insurance . He said take ur time but pay one emi by 31st. March or your civil Profile will be affected and then nobody can help you. In April I will Help you to resolve your problem on this behalf I arranged 2865/-(collected by Pradeep Sharma mob [protected] ) amount. In April no body contacted and on 24th May one different guy(Rakesh Gupta mob [protected]) came and said sir ur 3 emi bounced for the month of feb, mar, april . He placed a call to his senior who said Sir you have to make payment when i informed about that Manager who came and meet me He said your case is in 4th bucket and that manager is for 2ed bucket so he can’t help you. Just after the call the guy who came to my place said sir we have bucket system and for every bucket we have one manager. Same time i placed a call to Mr Pradeep Gupta as Naveen Sharma was no taking call, I informed him the issue he said last month i have been to my training and that why i was not able to help you but for now you pay the amount and i will come to you in day or two and resolve your problem. Till date no body contacted for a single time. Sir these people have done a mantel Harassment which is not expected. The have to compensate what they have done with me I want them to pay Rs.2 lkh as relief for Me and a Proper action against Fullerton because there will be loot other people facing same Issue like me. When you have Money that time we don’t value but when we don’t have enough Money that Time arranging a single rupee becomes very difficult but then also a person willing to do as Per the old commitment but then also such issue is created is not expectable and forgivable. Hope i will get justice in any case. Regards, Vikas Sharma