Aditya Birla Capital — personal loan, they made me pay 4 extra installments.

Address:	Pune, Maharashtra, 411046
Website:	abfl.adityabirlacapital.com/Pages/Individual/About-Us/Company-Profile.aspx

I transferred the balance of aditya birla loan to hdfc. Hdfc gave me a dd to pay off the aditya birla loan on june 25th 2018.

I couldn't pay off because my email address was incorrect in their system. For them to send me the foreclosure letter i must have a correct email address.

I tried the option to update my email id on their website. I called their customer service after it wasn't updated, their customer service said that on the website, it doesn't update, i have to send an email with my id proof and it will take 15 days to update. Even then i sent the email and after long email conversation, it finally got updated in aug 2018.

Then i requested for payoff quote and went to their office in pune. I received the foreclosure letter on 17th aug and i went to their office with the dd on 18th aug. They denied to take it because they said that the payoff quote is expired. I have attached the foreclosure letter. So again the same cycle started off calling them and send the email and waiting for 15 days.

The dd which hdfc was valid till 3 months, got expired. I have been in conversation daily with satish and shakeel but it kept getting delayed. They kept charging the interest.

They charged me interest, asked 1100rs to get foreclosure letter, delayed a simple process which other banks take less than 2 business days. After paying 4 emis since july they refunded me the only amount of 1 emi. They reported me to cibil for failing on my payment, hdfc cheque was bounced so they also reported me. Basically, i paid a lot got my cibil ruined, mental torture, incompetent customer service. All i want is rectify my cibil score, return my emi, pay the overdue charges which hdfc has charged to me, compensation for the mental stress, i had to face because of them. I have all the emails, they are so huge i cannot attach it.

I want my 4 emi back and not just that, i want them to pay 5 lakh rs as the inconvenience charges because i had to take another loan to pay loans of aditya birla. Because of them, my credit card payments got delayed. My cibil is ruined.

I sent them a pdf, i have attached to it.
This loan was supposed to be closed by july it is only because if their lazy attitude towards the business has caused me mental harassment and so much inconvenience.