Nov 03, 2020
Updated by prajaktaotavakar Dear Sir/Madam,
I, Mrs. Prajakta Prasad Otavakar, would like to inform you that on 27th July 2019, I visited Snehanjali located at 1-5 Pushpa Plaza, Opp. Railway Station, Manvelpada Road, Virar East, and purchased three products given below.
1. Whirlpool refrigerator (Salesman - Mr. Pravin Harishchandra Khedekar)
2. LG Washing machine (Salesman - Mr. Manish Omkar Mishra)
3. Samsung LED Television (Salesman - Mr. Amit Prabhansh Tiwari)
The items purchased were financed (loan) by Bajaj Finance whose service desk is located in Snehanjali (1-5 Pushpa Plaza, Opp. Railway Station, Manvelpada Road, Virar East). I have repaid this loan amount within the stipulated time i.e. on 2nd April 2020. Bajaj Finance has also issued me NO DUES CERTIFICATE against the same loan.
Later, at 7:52 pm on 30th August 2020, I received a message on my cell phone that I have taken a loan of Rs. 15, 630 / - from Bajaj Finance.
Immediately, I visited Virar East Snehanjali branch (address Same as Above) and visited the service desk of Bajaj Finance and inquired about the message received on my cell phone. Ms. Payal from Bajaj Finance informed me that they have started a new loan as I have some balance left of the previous loan (this was never informed to me) and she left the premises saying it's closing time without giving me any further details.
Since 3rd October, 2020, I am constantly being harassed by Bajaj Finance associates by calling, texting and by visiting my residential apartment for not paying the new loan.
Around four times, the recovery agent (Mr. Suresh) was sent to my residential address for recovering the new loan amount and every time I informed him that I have not taken any such loan. Finally, I asked him to show me the proof of the product (Godrej refrigerator) being delivered to my residential address and the loan document having my signature. Then he mentioned that the product was purchased by a woman on my name and showed us (me and my husband) the photograph of her.
We traced the woman by ourselves and found out that she had taken a loan from Bajaj Finance for Godrej refrigerator and 5 installments were paid on time. She informed us that her identity card photocopy was taken as a proof for the loan in the month of August 2020 at Virar East Snehanjali Branch. We visited the Virar East Snehanjali branch with her and asked Bajaj Finance Associate Ms. Payal about this issue. Ms Payal informed us that this is a BACK OFFICE issue and refused to answer any further questions.
I would like to highlight the following things about this issue.
1. As per Bajaj Finance system, the new loan started on my name is for purchasing Godrej refrigerator.
2. As per Bajaj Finance associate (Ms Payal) the new loan is for my previous debt or due.
3. As per Mr. Suresh Recovery staff, a woman has taken this loan in my name.
4. I never purchased a Godrej refrigerator from Snehanjali or any other store and yet the claim has been put on my name.
5. I was never informed by Bajaj Finance for having any previous debt balance.
Highlighted points state that there is a difference of statement between both of Bajaj Finance employees. This proves Bajaj Finance is trying to deceive me and trying to get the money for the product which was never sold to me.
I request you to take strict action against Bajaj Finance and Virar East Snehanjali Branch staff for misusing my card details, creating fake loan account on my name, damaging my CIBIL record and for mentally harassing me and my family.
I should be compensated for all the inconvenience caused by Bajaj Finance staff and the fake loan account should be closed as soon as possible.
I hope I get justice as soon as possible.
Thanks,
Prajakta Otavakar