| Address: Chennai, Tamil Nadu |
Dear Sir,
An loan amount of Rs. 96000/- have been sanctioned in the name of my husband Mr. J. Anandan for LG Air Conditioner, in LG Showroom Chromepet in an EMI amount of Rs. 6868/- (Six Thousand Eight hundred and Sixty Eight only) for the period of 14 months.
Account Name : J. Anandan
Loan Account Number : #4030CD03495714
EMI Amount : Rs. 6868/-
EMI Tenure : 14 Months
EMI Starts on: August 2014
EMI Ends on : September 2015
Till Feb 2015, i.e for the period of 7 months, ECS passed correctly in the KVB Account No: [protected] on 2nd of every month without any bounce. As usual for March Month also, we had maintained the balance for EMI of Rs. 6868/- but some other loan for an amount of Rs. 3060/- had passed from Bajaj Finserve without our knowledge and continuously many times attempt without any prior intimation or information, keep on trying some dues in our account, collapsed the total Account and the balance maintained for AC Due was deducted completely and since the balance for Rs. 6868/- was not there, when they tried for Rs. 6868/- 2 to 3 times, Due to this ECS Return Charges totally was deducted 6 times at the rate of Rs. 337.08/- and 315.08/- from the Account Balance. So, Finally an amount of Rs. 2359.56/- and Rs. 3060/- deducted from the AC Due of Rs. 6868/- without our knowledge. We had attached the Bank Statement in where the Amount was deducted for your kind reference.
Actually, we came to know only when the Collection Department Person had approached for Payment of AC EMI of Rs. 6868/- with the cheque Bounce Charges of Rs. 350/-. We had maintained the balance correctly, this mistake is done by Bajaj Finserve. So, we had decided to close the Bank Account and Surrendered the Bank Account.
We are ready to pay the balance EMI for the Period of 6 Months in the way of cheque but not in the ECS Method. Since my husband had closed his bank account, I am paying the balance due from my Bank and issued the cheque. We had attached the Scanned copy of 6 Cheques dt. 02/04/15, 02/05/15, 02/06/15, 02/07/15, 02/08/15 and 02/09/15 for the EMI amount of Rs. 6868/- and sent the 6 Cheques with the covering Letter in Courier to your Head Office (AnnaSalai) . So, kindly acknowledge the receipt of the cheques and put the cheque as per the date and tally my account. As promised, the amount will be passed correctly from our Account on the specified date without any bounce, for that we will give assurance whereas apart from this 6 dues, there is no outstanding or dues from our side.
We are always correct in our terms and promises. So, Instead of passing the cheques, if the people from your office or collection department continuously follow us in a rude method we will take this case to the Police Commissioner since we have the evidences and maintained our account correctly. So, try to avoid Mr. Murugan (Collection Executive Head) - [protected] or any other person from the collection department to call us regarding this Due.
NOTE : ECS AMOUNT TO BE DEDUCTED ONLY ONCE ON A SPECIFIED TIME, IN CASE IF THE AMOUNT IS NOT THERE IN THE SPECIFIED DATE IT CAN BE TRIED ONE MORE TIME. BUT IN OUR CASE, AS AND WHEN THEY REQUIRED SOME OTHER DUE ECS WERE HIT IN OUR BANK AND COLLAPSED OUR BALANCE AND TRIED TO MAKE A REMARK IN OUR BANK ACCOUNT & ALSO CIBIL SCORE WAS AFFECTED. SO, DUE TO THIS NOW WE HAD CLOSED OUR BANK ACCOUNT. WE HAD DECIDED NOW TO TAKE THIS INTO THE NOTICE OF RESERVE BANK OF INDIA (RBI)
Related to this Issue or Case, kindly contact me through Mail Correspondence and avoid Calling us through Mobile. So, we believe and we expect your smooth relationship in this case and acknowledge our cheques and get the balance payment of AC DUES.
Regards,
A. Malarvizhi
(W/o. J.Anandan)
Cell: [protected]
Encl: 1) Six Cheques - IOB Cheque No. 911373/74/75/76/77/78 as on EMI Due
2) Bank Statment of Anandan KVB
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Thank you for sharing your details. We have already initiated the process of resolution of your query. You shall hear from us asap. During this time, should you wish to contact us, please write to us on [protected]@bajajfinserv.in mentioning your Loan Account Number in the subject.
With regards,
WeCare
Bajaj Finserv Lending