On the 09th of March I received a call from Bajaj finance saying that I have a pre approved personal loan of Rs. 6, 58, 000.
I said I am interested. Mr. G Dhananjay was the caller, he said that I will be getting a verficiation call and requested me to provide all details asked. I told Mr. Dhananjay and the verification caller Mr. Akash Rawat that if my loan amount is less than what you are offering then please don't process it, inform me before disbursement. They said "Yes Sir you will be informed, we will send you the agreement after that when you give approval on email then only we will disburse". I said fine.
Now after that I didn't get any confirmation email or sms and suddenly Rs.1, 37, 805 was credited to my account from Bajaj.
"Greetings! Your application number SF98934779 for Personal Loan of Rs.150000 Annualized ROI 20.01, Tenor 36 Months is approved. T&C apply. Bajaj Finance Limited"
How can they disburse a loan without my sign, email or approval? After that I find out that my register email in Bajaj portal has changed and someone made a different email and provided the approval.
I visited Bajaj office at Kolkata Rashbehari and they told me to return the entire amount I received and my loan and the insurance came with it will be cancelled. I was relieved and gave them a cheque of Rs Rs.1, 37, 805, the cheque got cleared on March 2022 and now in April Bajaj has started deducting emi of the same closed loan of Rs. 5076.
I wrote several emails to Bajaj, went to their portal and messaged but no response. I visited their Kolkata office and they gave me a ridiculous answer.. they said might me they have cancelled your insurance but not the loan.
Now when I download the statement of my account and see the loan details, they are showing that I need to pay Rs.12, 000 more.
I really dont know what to do next. Please help me in getting my money back.
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