Aditya Birla Capital — Fraudulent non closure of loan account and misreporting

I am attaching herewith the entire statement of repayment wherein apart from 9 EMIs of Rs. 1, 206/- additional payment of Rs. 3, 520/- has been made to ABFL.

Against a loan of Rs, 10, 000/- from first EMI due on January 5, 2019 to September 16, 2019, a total of Rs. 14, 374/- had been paid - which included an additional amount of Rs. 1, 435 /- paid on 16th Sep '19 which for the sake of peaceful closure after arranging hard earned money, I somehow paid after receiving their reconciled statement.

It is re-iterated that in addition to EMI of Rs. 1, 206*9, I have paid Rs. 3, 520/- additional whatever was claimed as bouncing/ extra charges.

Even after all this they are claiming an arbitrary amount of Rs. 3, 598 /- (EMI + dishonor charge) - unable to understand how an EMI can be claimed once forecloure request has been raised - that too almost 2.5 times of the final amount that they had asked for.

They have been incorrectly reporting the amount to CIBIL as bounced EMIs whereas they had no locus standi, and have been harassing me by sending repeated reminders. I am tired of fighting this and cannot take it anymore.

Regards,

Bhumika