Ref : 403SPF95944444
In the outset let me reiterate that while explaining the terms of the loan the AMC was never highlighted, even the agreement copy was not shown, i was only told the % of interest, tenure, and general conditions.
However please note the following :
1) While discussing the details of the loan AMC was never intimated and the agreement was never shown to me. Post the loan sanction also the agreement was not shared by mail, could u please mention the date of your mail & forward/ share a copy of the mail, in which you are claiming that you have immediately forwarded copy of the agreement by mail. Please note After me writing a compliant last year i got the copy of the agreement. Here your statement is false.
2) In your below mail, you have attached the invoice for flexi fee 2, 999/-Line activation fee Rs.4999, . I am still not clear as what was the challenge in your company in sharing this invoice immediately after the loan disbursement. Today i have back dated invoice and i am seeking your permission to refer to the appropriate GST authorities to verify the genuinity of the invoice.
3) However no mention about the stamp duty of 4000/- paid. NO invoice is attached ( may be there is no invoice for this). Also no mention about the state in which this stamp duty was paid and no proof of payment made to any authority is provided to me. Also no mention about the % of stamp duty and how did you arrive at 4000 for a loan paper of 19.60 lacs ? In my understanding there is no such stamp duty for personnel loan and it is enough to do the agreement in Rs 100/- stamp paper. pl clarify - If it was wrongly collected from me pl return it.
4) pl note that your company have not done any favor to me in refunding the wrongly charged interest of Rs. 4, 247/- vide UTR number # CMS[protected] on 27/01/2019. The illegally, wrongly recovered interest which is due to me rightfully was paid back to me pl look back the mails. I have to ridicule your statement of mentioning that u have given it back to me to maintain a healthy relation with me. Please note you only rectified your mistake and surely not to " as mentioned in your mail ".
5) AMC was never discussed while taking the loan. Your salesman has cheated me by hiding AMC and the EMI card under the carpet while taking my concurrence, He has also not shown any thing in about the charges in your website and hurriedly closed the deal, . I have sent mails to your company to, not to charge me AMC and that was refused by your company. Hence this compliant I still believe this should be refunded to me.
6) ON the calculation of interest my claim is that i am challenging your clause 2 ( 2.5). You can put any number and any modus operandi of calculation interest. My claim here is, that it is against the norms advised by RBI. This needs a change and i will fight till i change the method of interest calculation.
7) I was never issued any EMI card. I have neither seen it nor used it. I do not require this at all. The wrongly charged 117/- should be refunded to me immediately.
Adding fuel to fire, your company has recently written to me that they have blocked my EMI card due to inconsistency in payment made by me. It appears that your officers respond without reading my mails. I was never given a card and i never used it, never paid any money against this card, then how would the inconsistency in payment will come ?? Pl go back to my records and let me know If i would have missed one EMI or delayed one EMI. Also see if there are any cheque bouncing, or auto debit bouncing. I have been a prompt payer always. I have written multiple times to your customer care and every time they conveniently closed the ticket without responding to me properly.
Your company has defamed my prestige and insulted and harassed me mentally by sending these mails and msg and confirming it again by mail, I an giving you an opportunity to explain me as, why I should file a defamation case in the court against your company for the same.
In net, I need return of AMC charges3875, Stampduty 4000, and EMI card charges of 117.
Thanks and happy to answer questions if any.
I would sincerely request the team to investigate on the same and help us get rid of this and further such issues.
Thanks in advance,
Deepak
Please stop such cheating to and refund this fraudulent transaction money back to my account.