Bajaj Finserv — after availed moratorium and they deposited the emi's multiple times

Address:	RAHEJA TOWERS, ANNA SALAI, CHENNAI -600002
Website:	[email protected]

I would like to register my complaints against bajaj finserv.

I have a four loans with the above mentioned organisation and my loan numbers are:
403dpffr938236
403remfw295519
403cddfr668119
403dpfeh209028

I have been associated with bajaj finserv for more than 8 years and i have taken more loans and the same has settled on the said dates and i haven't ever bounced any of their emi's in my account. Since i am working in a private concern and my salary got stuck up due to covid 19 and also total lockdown started from 25th march 2020. So i am unable to move out and i wasn't able to arrange the funds to clear my emi's. Meanwhile, our government has announced the moratorium for our poor people like me. Hence i applied the moratorium with bajaj finserv on 1st april 2020 morning around 10.00 am sent an email to [protected]@bajajfinserv.in and marked a cc to sonpal. [protected]@bajajfinserv.in. Stating that to hold my emi's for next three months as per the guidelines given by rbi. But i did not get any response immediately from them and understood that the whole india was under lockdown due to covid 19. I didn't expect their reply immediately.

Unfortunately, in spite of my request the bajaj finserv deposited my 4 emi's to my icici bank on 2nd april 2020 and it got bounced and again the same 4 emi's deposited on 3rd april 2020 and it got bounced and the third time on 7th april 2020 deposited and got bounced my emi's.
With the above activities, which has spoiled my track records with the bank as well as my reputations and with these issues created huge mental agony to me.

On june 1st 2020 again i received an sms stating that the bajaj finserv has planned to deposit my emi in my bank against my loans. To avoid such a situation as above mentioned i borrowed money and deposited it in my account and my emi's got presented and taken away the dues on 2nd june 2020.

I am from a middle class family and that too i lost my job due to covid 19. I am currently jobless and my age is 47 and have two kids and one is a special child and he is down syndrome and 11 years old.

I borrowed money from my brother rs.10, 000 on 31st may 2020 towards my family expenditure. Unfortunately my icici bank has taken all my bounce charges around rs.5900/- which is huge money at this situation.
Kindly consider my humble request and look into this matter and solve my issues.

Awaiting for your positive reply and please help in this regard.