Bajaj Finserv Complaints & Reviews

My name is prakash tibe. I have purached a laptop through bajaj finance of 37500 rs. I have made downpayment of 3 emi, and then i cleard all the remaining amount within 6 months.. But still my extra 3 emis are get cut from my bank account... I complaint about this in the kolhapur branch... They told me that my buying sceme was changed by system error due to that i have to pay 3 emis extra which cost is around 13000 rs... From last three month i am struggling to get those extr paid cash.. Still i didt get any refund in my account...

My id - [protected]

Hi i am magesh. I was using bajaj finserv card for more than 3yrs. For last 3 months i'm not using the card and planned to close the account. My all loan accounts are successfully completed and closed. But i received a message that annual fee will be debited from my account. I raised a request that i am not using the card for more than 3months and i am going to close the account. They called me and said that there is no way to delete the account and they don't have the facility. I asked them that is there a facility to enter the data, then there will be a delete option. But they replied they don't have. I don't believe them. But i said ok after a long conversation. I told them i am not going to pay annual fee for the card which i'm not using and i'm not going to use. For that they said the relevant team will call me in 24 to 48hrs. It was happened 2 days ago. Then i told them i don't want to get any call or message or email regarding your promotion etc. They agreed. I asked them to send me acknowledgement mail. They sent a mail. The next day they started to send message mail now today they called me regarding the promotion. What the hell. Sorry. Is this the way of response to customers..? Even i'm getting more message and mail then usual. Now replied to email id strongly. Friends suggest me what i should do if they again disturbs me like this. I'm very much upset about this. Recently my father passed away. I was very much upset and down. These guys are playing.. I don't like it.

Dear concern,

I am ram awadhesh singh, customer id 24574099. I bought a videocon led tv via loan, your executive ensured me to provide an physical bajaj emi card at my home address but not dispatched to me, i don't know why the card is inactive. I want to enjoy your product. I would be happy if you activate and dispatch the same my emi card i. E in inactive mode. Please allow me to continue our relationship.
I am waiting for right justice and i want to continue relation with your company.

Thanks & regards,
Ram awadhesh singh
[protected]

This is to inform you that i, tejas mahadik had taken a finance from your company regarding the purchase of two of my home products (Steel cupboard and a sofa) from om woods and furniture at 0% rate of interest on the 6th of march 2019.

• the entire finance costed us, 85.000/- at the initial stage, later due to inconsistency from om woods and furniture we cancelled the steel cupboard after which the principle amount was supposed to be changed to 22, 500/- which your department failed to do so. After the first emi which was suppose to be 10, 625/- but i was charged 30/- extra. That is, 10, 655/- (Reason being unknown)
• due to mandate issues, the payment that was suppose to be made on the 2nd april 2019, was further shifted to 2nd may 2019. As there was an inconvenience from your end, i had to make a manual payment of my first emi on the 4thmay 2019. The amount was paid to, pca : [protected]: bajaj finance
• after a delay of two months from your end and changing my loan agreement number without my information to (Loan #405sceet731299), the principle amount was revoked to 22, 800/- which was supposed to be 22, 500/- (3% extra reason unknown)
• after revoking the principle amount the first emi date then became 5th august 2019 making the emi 2850/-, whereas the emi should be 2, 812.5/-
Complaint:
• the 10, 655/- has not been refunded to my account and neither has it been adjusted to my loan amount, there has been no information from your side regarding the particular amount.
• your employees handling this case aman seth (Sales manager) and vikesh gupta seem to be completely incompetent regarding this issue.
• there has been an addition of 3% rate of interest of loan amount without my information.
• this case has been ongoing for almost 5 months with no resolution whatsoever.
I would be highly obliged if i could either be refunded my payment of 10, 655/- or assisted with an alternate resolution for the same.

Dear sir,
My name is hanna k a. I am an existing customer of bfl. 1st october 2019 i purchased a mobile ippo f11 pro at19990 from amazon using my bajaj emi card. Emi
3332 for 6 months. But i cancelled the order on the same day. I got a msg from amazon and bfl that it got cancelled. But my emi card limit reduced by 19990. Also i got a msg from bfl that it will generate the loan emi from 2/11/19. Pls cancel the loan amount and retain my initial limit. Helpful documents are attached. Kindly make necessary action. Msgs are given as in the order it received.

Thank you

CUSTOMER ID:[protected]

On purchase I tried to confirm several times that if EMI card will work with e-commerce purchase or not, On answer to that I was informed that card can be use for online purchase, I paid for the card and process completed and I received my digital EMI card.

After card getting activated when I tried to make purchase from online store, I received a massage saying "Dear Customer, One time password cannot be generated due to requirement of a fresh NACH (ECS) Mandate. Visit the nearest branch for submission of the NACH mandate. Use alternate payment option to complete your purchase. Rgds, Bajaj Finserv" after calling to Bajaj Finserv customer care they are saying that First Purchase must be made from offline store to update bank details and ECS Mandate.

Even after asking for alternate way or process to complete this process without purchasing anything from offline market they said this is the only way to update bank details. This is completely unethical rules that makes no sense, when purchasing they confirmed that card can be use online as soon as it gets activated.

This is complete manipulation and even after paying fees I have to purchase from offline market to complete the process i.e. eventually pay more to get your emi started. I am not very sure how ECS mandate can be activated but after searching and reading few articles it is clear that customer can fill form at Bajaj Finserv Branch and give cancel cheque to complete the process and if this is true why Bajaj Finserv customer executives are giving false information and asking us to must make offline purchase in case to start EMIs.

If there are hidden charges why executives are not telling at first place and if there are different ways to solve problem why executives are saying it can only be done by purchasing something.

HI
the service of bajaj finserv co. /agency/DSA are very worst.
due to some financial crises we are unable to pay my loan amount on time, .i was facing severe accident of mine.i never denied to pay the amount, i asked for few days for the same, and told them definalty will pay also with the bounce charges and late penalty.
the same has been communicated to Bajaj Executives and managers, but they are not updating to everyone, and everyday every new agency guys called to me and my wife and threatened and abuse with us.even they are using womanizer word on call with my wife.Either provide the solution or i have to take another action on the same.
Regards
Vijay
[protected]
vijay.[protected]@ymail.com

Not a good plan to take.I had taken a loan of 500000 Hidden charges of 17000 is charged on the name of processing fees, flexi charges and and Insurance which is not clearly mentioned while accepting the terms and conditions and the sales representative pitch you with no charges you can accept the terms and condition Reality you come to know when you have accepted and proceeded the representatives don't give boots nor they pick up the call once you have accepted the tearm's and conditions closing the loan account will charge you extra 40000.Worst plan ever interest rates explained by the representative is different from the actual terms and condition don't fall for this plan you will end up paying 90000 if you don't actually use the loan amount.worst plan to play with salaried person's hard earned saved amount on the name of overdraft facility for salary person.RBI should put a ban on such type of Loan Offering's.

Hi
Recently i apply for a bajaj emi card and i have done all formalities. Now my emi card has been active but when i purchase online something through this emi card it is not generating otp and send nach updating message. At the time of apply i have already submitted a cancelled cheque.

But when i apply for emi card no one tell me about this thing. Very bad experience with bajaj finserv. Please don't make fool your customer. This is only way to make money.

Now i will tell all my friends that don't apply for bajaj emi card ever.

Sir, laptop was ordered to delivery in hyderabad through bajaj finserv. My loan account number is 567ecfes503441. The laptop was not taken delivery and returned back. The financing agency is deducting e. M. I from last (3)
Months for rs. 21, 519/- though informed that the item was returned. This month e. M. I alert was received for deducting for rs.7173/- the financing fgency is violating consumer forum act. I request for reimbursement of amount deducted from my bank account without supply of laptop.
Yours faithfully,
Ramachandrappa.
Mobile no.[protected]

From[protected] to[protected], there are total 17 transactions are made from our savings account to bajaj finserv.
Every transactions is of rs 295 so total amount is 5015 rs.
Please find the below transactions description for one of the transactions.
"to transfer chrg recvd-mandate fail txn dt.31/03/17bajaj fina"

We were having few loans from bajaj finserv but we have already cleared the debt and we have noc for all the loans.

I am posting this complaint on behalf of my mother.
I am living in another city so can not visit bajaj finserv office and bank branch by my self, my mother is tired of visiting bajaj finserv office and bank in gwalior but nobody is listening.

Kindly resolve the issue as soon as possible, return our money and also please give justification why this issue came because this amount might not matters to bajaj finserv but for us it matters a lot.

Dear Sir/madam,

On purchase of new mobile from flipkart, I have received call for your ECOM CPP team on purchase of insurance and due to engagement in some sritical work there was misunderstanding about equipment purchase, i said yes for this ecom cpp telebinding offer. I tried to cancel it through experia portal and telecall but no such options available on both modes. I am not happy with experience where you take people in trap and make them customer for such non required policies.
Pleas note my loan details:
Name: Neeti Kulkarni
Agreement no. : 455ETBEZ762304
Branch UDAIPUR
Product ECOM CPP TELEBINDING

My humble request to CPP team to cancel this loan as I don't need this. I really appreciate if you take care of this on highest priority.

Thanks and Regards,
Neeti Kulkarni

My salary due april 18, 2019. Please provide my salary i am ex employee bajaj finserv fos my emp id qs1397191 please detail my pf nd my payslip and my salary. Resign in 18 april, 2019 my last working days please provide me my salary detail why you are not releass my salary please provide my salary nd release my salary bajaj finserv, bhilwara, rajasthan

Very bad experience with bajaj i never recommend anyone to buy any product on emi because no customer service no helping hands all are non-understandable

Case no.1

A very bad experience with bajaj field collection party took hard cash not given receipt and also he confirmed sir we receive cash so no need to worry about the same by next day i receive call again sir your amount is pending i said “o wao great”. When i complaint against to cc team not getting any response even though all numbers are busy when i highlight the case to 1st escalation team they said i look into the matter but same not getting any response.

Case no. 2

I already updated my address with bajaj but collection team mr vivek and ankit how he gon to my old address when had a word with ankit he said if you want to update your address then you need to visit on our poral only then it will be reflected i said “o wao great” miss behaved with y family mental threating without any notice he went there without any calls without intimate me as well and he harassed i raise a police complaint against you all guys o wao.

Unable to make the payment

Nidhi nanda
Sat, aug 31, 4:19 pm

To wecare, singh. Gurpreetsach, sonal. Tiwari


Dear team,

This is to inform you that i have a running loan account number (401cddec302342 emi - rs. 3080/-) and (4010cdet637888 emi - rs.4162/-) for which i have already paid certain installments, but because of 2 reasons i am unable to make the payment for the month of sep 2019.

Reasons for not paying installments:

1. Non employment from last 3 months
2. Marriage - i got married on 11th july 2019
3. Dependable parents - i also have senior parents who are dependent on me.

All above mentioned reasons are there due to which i am unable to make the payment, i am looking for a job and hopefully i will be joining from 5th sep 2019 onwards and i will receive my 1st salary on 05th oct 2019.

I request you to please cooperate with me and my unavoidable circumstances. I assure to make the future payments on time which will be from oct 2019 onwards.

Also i would like to bring your kind attention towards the emi for the month of sep 2019, i request you to allow me sometime to gather the money amount and i will pay the emi at the time of settlement of loan (Last emi or pre closure).

I would also like to update my address and mobile no for your future references and further communication. Please update the same in your records.

New address: flat no. C-2, 3rd floor, shri ram apartment (Rz-b-30), gali no.02, new janki puri, opp old age home, uttam nagar, new delhi-110059

New mobile no: [protected] (Husband)

Note: as i have updated my new address and mobile no so i request you not to use my old address for any kind of communication/recovery/letters etc.

Thanks & regards,
Nidhi nanda

Attachments area
2. Mail

Wecare
Sat, sep 7, 2:45 pm

To me

Dear gurpreet,

Thank you for writing to us at bajaj finance limited.

We regret for the inconvenience that has been caused to you and we appreciate your understanding and patience in this regards.

With reference to your email, as discussed with you on call xxxxxxx626 we request you to kindly share with us the call recording in mp3 format in order to forward the complaint against collection executive further.

Also, we would like to inform you that as per your request we have updated your address in our records as below:

Address: flat no. C-2, 3rd floor, shri ram appartment, rz-b-30, gali no.02, new janki puri, bindapur, uttam nagar, new delhi-110059 and same will get updated in experia with in 48 hours.

Please find attached statement of account for your reference.

Further, we would like to inform you that for your loan account number 4010cdet637888 and 401cddec302342 we have received your emi amount rs.4, 162/- dated 31/08/2019 and rs.3, 080/- dated on 23/08/2019 respectively and same has been adjusted towards your emi for the month of august 2019.

Also, we would like to bring to your notice that your loan account number 4010cdet637888 and 401cddec302342 has accumulated payment return and overdue charges of rs.5, 262/- and rs.3, 980/-.

We have attached the statement of account with details of charges for your reference. Kindly process a payment for the amount mentioned above as soon as possible. The amount can be paid in cash/cheque or dd drawn in favour of “bajaj finance limited”, payable at branch closest to you.

Branch address:

For any bajaj finance limited branch located closest to you - visit bajajfinserv.in/finance/branch-locator. Aspx.

We would like to inform you that an online payment can be made only for the overdue emi. This facility is offered to customers who have net banking activated for their bank account.

In order to make an online payment you may follow the below mentioned steps -
Step 1: log on to www.bajajfinserv.in and click on the tab “pay emi online”.
Step 2: select your bank name from the drop down menu and enter your loan account number. The details of your overdue emis will be displayed.
Step 3: enter the amount for which you wish to make an online payment.
Step 4: you will be redirected to your bank's net banking site. Follow the regular net banking procedures to make your online payment.

Please note that on successful completion of the transaction, a transaction id will get generated for any future reference.

For any further clarifications write to us at [protected]@bajajfinserv.in

It is our constant endeavor to ensure that you have our attention always.
For a speedy resolution, send us an email from your registered email id and mention your loan account number in the subject line. Do check the spam/trash folder, in case of non-receipt of email.
Should you need any further assistance, please contact us through the below service channels.

Click the above options to raise a request, make online payments, access statement of account and more.


Click the link to know how to download your e-statements, how to make payments in customer portal - experia and know the how to make a part payment to your flexi account.

Have a great day!
Warm regards,
Vamsinath
Bajaj finance limited.

— original message —
From: nidhi nanda [nidhi. [protected]@gmail.com]
Sent: 4/9/2019 10:08 am
To: [protected]@bajajfinserv.in
Cc: sonal. [protected]@bajajfinserv.in; singh. [protected]@gmail.com
Subject: re: unable to make the payment

* caution : this email is originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe. *

* caution : this email is originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe. *

Hello team,

Great morning to all well i am writing a mail against my pending complaint i receive the call only once and the beautiful lady was talking about emi and bouncing charges only.

Team i am waiting for the resolution of my pending complaint if in case you guys are not taking any action then please mail me you guys are not taking any action on my complaint so i can take another way to resolve my issue.

Still address is not updated yet one more thing again i am writing to you i took loan with bajaj i am not denying to not to pay but kindly look into the matter as well.

Waiting for your revert.

Regards
Nidhi
[protected]

On sat, aug 31, 2019 at 6:50 pm nidhi nanda wrote:
Hello team,

I appreciate you were calling me, but due to some urgent work i was not available, kindly arrange a call back i am waiting for your call.

Alright now we can go with the help of consumer court and with the legal team.

1. (However would regret to inform you that we are unable to provide any relaxation on repayment of your loan amount.) - kindly mail me or explain me when my friend already paid the cash to your field executive as mr. Radhey said yes we receive the payment against the loan of ac then how he denied after that it means your collection team is fraud, you guys are cheating with your existing customers. If you are not able to do anything then first return my hard cash amount from your radhey then i will pay again.

2. (We would also like to inform you that we are unable to stop your emi. This is keeping in mind the uniformity of payment due dates for all our customers,) - for this line i only wants to say is what you understand the meaning of customer if the customer is saying i am no more on my last address then why you guys are not updating my address i send you the mail with all recordings what your collection team member behaved with me and with my wife you don't have guts to revert on that topic you just wants only your emi then i am sorry kindly be attend on your mail dear team.

3. (If there is any delay in emi clearance overdue charges will be added in your account for cheque bounce charges of rs.450 and late charges of rs.200/-.) - according to this statement now i already replied to your email due to some reason i am unable to make the payment i am ready to pay these mentioned charges i don't have any issues then why you guys are not helping to your customers.

4. (Note:we would like to inform you that your next month's (Sep 2019) emi is in under presentation. Hence, we are unable to get exact details of the emi. We are waiting for final updation and you will get exact status of the emi after 11th of the sep 2019. Kindly maintain sufficient funds in your account, so your emi' s get clear.) - for this statement kindly note :- if you guys are not supporting me on my recording calls then kindly be informed that i am not paying a single peni i hope this is done, after this if you do something for me then i am not denying i given you my new address where i am residing if you have any concern come and talk to me face to face as per the records and as per the recordings as my friend said bhai i paid the amount to the executive he didn't provide me any cash slip he said system me update ho jaega same day i asked to radhey he said yes sir payment is done now don't worry, but after this statement he denied sir kindly make the payment which was missed by my side the payment was done by ms kharbanda account wao what is the nonsense, you guys are playing with the customer he knows his friend pay the cash and he din't ask for the cash receipt and now why he is denying because might be radhey and your team took my hard cash amount for your party an all that is your concern kindly check first recordings with radhey who is that person who took the hard cash from my friend over the road. Still i am again ready to pay that so i thought might be radhey is right the payment is not updated yet so i have to make the payment. But i am wrong you are treating with the customer like sorry customer you took the loan what ever the problem you facing we don't have any issue (By hook or by crook you have to make the payment thats it).

5. (Please note if the repayment track is not streamlined it will impact your cibil & incur penal charges.) - kindly note last month my emi was bounced due to the sum circumstances and now i am calling to all your team member kindly update my new address and new mobile its better way to communicate why i am doing this because i don't want to play with my (Cibil score) so kindly check your records and do listen the recordings easily what i am saying to your team please update my address and your emi i am ready to pay i don't mind but sorry to say is for this month of september 2019 this emi will not pay by my side first return my hard cash amount what you guys or your collection team used then i will pay as per the radhey recording otherwise please we will go with the legal court procedure and all.

If you have any concern kindly call on [protected] mr. Gurpreet singh. I already mailed you my new address you guys already updated my husband mobile number so kindly update the address as well and the last thing i am writing to you kindly update the address i don't want anyone visit to my old parental address i already send the request to you several times so now team take this on prior.

Thanks & regards,
Nidhi nanda

On sat, aug 31, 2019 at 5:07 pm wecare wrote:
[https://bflcrm.my.salesforce.com/servlet/servlet.ImageServer?id=0157F000000RAWD...⇄

Dear mr. Nanda,

Thank you for writing to us at bajaj finance ltd.

As we tried calling you on your registered mobile (Xxxxxxx626) however there was no response, we understand & acknowledge the financial challenges posed by you, however would regret to inform you that we are unable to provide any relaxation on repayment of your loan amount.

We would also like to inform you that we are unable to stop your emi. This is keeping in mind the uniformity of payment due dates for all our customers, if there is any delay in emi clearance overdue charges will be added in your account for cheque bounce charges of rs.450 and late charges of rs.200/-.

Note:we would like to inform you that your next month's (Sep 2019) emi is in under presentation. Hence, we are unable to get exact details of the emi. We are waiting for final updation and you will get exact status of the emi after 11th of the sep 2019. Kindly maintain sufficient funds in your account, so your emi' s get clear.

Please note if the repayment track is not streamlined it will impact your cibil & incur penal charges.

For any further clarifications, write to us at [protected]@bajajfinserv.in

Assuring you of our best services, always.

[https://media.bajajfinserv.in/email/finance/mailer/2018/oct/19/blu/chat-with-bl...⇄ [https://media.bajajfinserv.in/email/finance/mailer/2019/may/24/autores/customer...⇄ [https://media.bajajfinserv.in/email/finance/mailer/2019/may/24/autores/download...⇄ [https://media.bajajfinserv.in/email/finance/mailer/2019/may/24/autores/other-wa...⇄

Click the above options to raise a request, make online payments, access statement of account and more.

Click the link to know how to download your e-statements, how to make payments in customer portal - experia and know the how to make a part payment to your flexi account.

Have a great day!
Warm regards,
Megha
Bajaj finance ltd.

[https://bflcrm.my.salesforce.com/servlet/servlet.ImageServer?id=0157F000000RAW8...⇄

— original message —
From: nidhi nanda [nidhi. [protected]@gmail.com]
Sent: 31/8/2019 4:19 pm
To: [protected]@bajajfinserv.in
Cc: sonal. [protected]@bajajfinserv.in; singh. [protected]@gmail.com
Subject: unable to make the payment

* caution : this email is originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe. *

* caution : this email is originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe. *

Dear team,

This is to inform you that i have a running loan account number (401cddec302342 emi - rs. 3080/-) and (4010cdet637888 emi - rs.4162/-) for which i have already paid certain installments, but because of 2 reasons i am unable to make the payment for the month of sep 2019.

Reasons for not paying installments:

1. Non employment from last 3 months
2. Marriage - i got married on 11th july 2019
3. Dependable parents - i also have senior parents who are dependant on me.

All above mentioned reasons are there due to which i am unable to make the payment, i am looking for a job and hopefully i will be joining from 5th sep 2019 onwards and i will recive my 1st salary on 05th oct 2019.

I request you to please cooperate with me and my unavoidable circumstances. I assure to make the future payments on time which will be from oct 2019 onwards.

Also i would like to bring your kind attention towards the emi for the month of sep 2019, i request you to allow me sometime to gather the money amount and i will pay the emi at the time of settlement of loan (Last emi or pre closure).

I would also like to update my address and mobile no for your future references and further communication. Please update the same in your records.

New address: flat no. C-2, 3rd floor, shri ram apartment (Rz-b-30), gali no.02, new janki puri, opp old age home, uttam nagar, new delhi-110059

New mobile no: [protected] (Husband)

Note: as i have updated my new address and mobile no so i request you not to use my old address for any kind of communication/recovery/letters etc.

Thanks & regards,
Nidhi nanda
Disclaimer: this message, including any attachments may contain proprietary, confidential and privileged information for the sole use of the intended recipient (S), and is protected by law. If you are not the intended recipient, please notify the sender immediately and destroy all copies of the original message and attachments, if any. Any unauthorized review, use, disclosure, dissemination, forwarding, printing or copying of this email or any action taken in reliance on this e-mail is strictly prohibited and may be unlawful. Bajaj finance limited reserves the right to record, monitor and inspect all email communications through its internal and external networks. Your messages can be subject to such lawful supervision as bajaj finance limited deems necessary in order to protect their information, interests and reputation. Bajaj finance limited prohibits and may take steps to prevent their information systems from being used to view, store or forward offensive or discriminatory material. If this message contains such material, please report it to [protected]@bajajfinserv.in. Please ensure you have adequate virus protection before you open or detach any documents from this transmission. Bajaj finance limited does not accept any liability for viruses[http://bflcrm.my.salesforce.com/servlet/servlet.ImageServer?oid=00D7F000...⇄

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5 attachments


Preview youtube video how to download your e-statements | bajaj finserv

3. Mail

Unable to make the payment
Inbox x

Wecare
Mon, sep 9, 7:12 pm

To me

Dear gurpreet,

Thank you for writing to us at bajaj finance limited.
We regret for the inconvenience caused to you and the delay in our response.

As we discussed on call xxxxxxx464.
We wish to inform you that your service request is in process. Kindly allow us an additional 48 hours to resolve your query. We shall revert at the earliest with the resolution to your query/complaint.

We appreciate your patience and co-operation.

It is our constant endeavor to ensure that you have our attention always.

For a speedy resolution, send us an email from your registered email id and mention your loan account number in the subject line. Do check the spam/trash folder, in case of non-receipt of email.
Should you need any further assistance, please contact us through the below service channels.

Click the above options to raise a request, make online payments, access statement of account and more.


Click the link to know how to download your e-statements, how to make payments in customer portal - experia and know the how to make a part payment to your flexi account.

Have a great day!
Warm regards,
Vamsinath
Bajaj finance limited.

— original message —
From: nidhi nanda [nidhi. [protected]@gmail.com]
Sent: 8/9/2019 4:53 pm
To: [protected]@bajajfinserv.in
Cc: sonal. [protected]@bajajfinserv.in; singh. [protected]@gmail.com
Subject: re: unable to make the payment

* caution : this email is originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe. *

* caution : this email is originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe. *

Hello team,

Your team member were supposed to call me yesterday by 5.00 pm but till now i havent recieved any call from them.

Also, there is no response on my complaint till date, even after writing several mails no one is bothered to contact me.

This is the last email from my side, after this i am not going to contact you again, and please dont expect any payment from my side and do not contact me for payment till the time you people give resolution to my complaint.

Thanks & regards
Nidhi nanda&gurpreet singh
[protected]

On sat, sep 7, 2019, 17:17 nidhi nanda wrote:
Hello team,

I am writing this email again and again but i am still waiting for your response.

Please go through my trail mails as my query is still unresolved, and i am getting calls for payment.

Today afternoon i received a call from your team and they asked me for payment, when i asked them to check the emails sent by me along with all threatening recordings, where it is clearly mentioned that how your recovery team can behave like an animal with us in such an abusive manner. I am sending you the email again with all the recordings as the team member said that we haven't received any email from your side with attachments. Kindly go through the trail mail first.

1. How radhey said we received the payment?
2. Sanjay said we didn't received the payment?
3. My friend already paid cash to the executive and didn't give any receipt and said that it will be updated in system, even when i called radhey to confirm whether the payment is received or not, he confirmed that we have received your payment.
4. Now we received the call from sanjay for the payment again, which i already wrote in the previous mail, then sanjay said that please wait i will take radhey on con call (I was on hold), sanjay said i had discussed with radhey and said that payment is from nidhi kharbanda and your payment is still pending but i was not on con call (I was on hold, recording attached).
5. Then i received call from radhey and he said that i got confused because amount of emi and names are same, and we received payment from nidhi kharbanda not from nidhi nanda.

As we discussed and already wrote over the email that we are ready to make the payment for this month but it will get delayed and same can be done at the time of loan closure (As we are going through financial crisis) we need some time to arrange the funds.

Note: i will only make the payment of bounced emi after your investigation of the threatening and misbehavior done from your team, else i will take legal action against your entire team.

Also, i have already written that from next month onward you will receive your emi before the due date.

I am sending all the recordings attached with this email, first go through the complete case history then only give me a call, and please don't call me for the emi payment, as i have told many times that i cannot make the payment for this month, i have also informed the same even before the due date.

Also note that i have given many applications to change my address but it is still not done, i am again sending the rent agreement for my new address, please update the same in your records. For any kind of communication or collection, please don't visit my previous address, if anyone from your team or collection team goes to my previous address then also i may take action against your team. If you have any kind of concerns please visit my new address which is mentioned below and rent agreement is attached.

Address: flat no. C-2, 3rd floor, shri ram appartment (Rz-b-30), gali no. 02, new janki puri, uttam nagar, new delhi-110059 (Mon-fri after 9.00 pm) sat-sun (Anytime).

Thanks & regards,
Nidhi nanda
[protected]

On wed, sep 4, 2019 at 10:08 am nidhi nanda wrote:
Hello team,

Great morning to all well i am writing a mail against my pending complaint i receive the call only once and the beautiful lady was talking about emi and bouncing charges only.

Team i am waiting for the resolution of my pending complaint if in case you guys are not taking any action then please mail me you guys are not taking any action on my complaint so i can take another way to resolve my issue.

Still address is not updated yet one more thing again i am writing to you i took loan with bajaj i am not denying to not to pay but kindly look into the matter as well.

Waiting for your revert.

Regards
Nidhi
[protected]

On sat, aug 31, 2019 at 6:50 pm nidhi nanda wrote:
Hello team,

I appreciate you were calling me, but due to some urgent work i was not available, kindly arrange a call back i am waiting for your call.

Alright now we can go with the help of consumer court and with the legal team.

1. (However would regret to inform you that we are unable to provide any relaxation on repayment of your loan amount.) - kindly mail me or explain me when my friend already paid the cash to your field executive as mr. Radhey said yes we receive the payment against the loan of ac then how he denied after that it means your collection team is fraud, you guys are cheating with your existing customers. If you are not able to do anything then first return my hard cash amount from your radhey then i will pay again.

2. (We would also like to inform you that we are unable to stop your emi. This is keeping in mind the uniformity of payment due dates for all our customers,) - for this line i only wants to say is what you understand the meaning of customer if the customer is saying i am no more on my last address then why you guys are not updating my address i send you the mail with all recordings what your collection team member behaved with me and with my wife you don't have guts to revert on that topic you just wants only your emi then i am sorry kindly be attend on your mail dear team.

3. (If there is any delay in emi clearance overdue charges will be added in your account for cheque bounce charges of rs.450 and late charges of rs.200/-.) - according to this statement now i already replied to your email due to some reason i am unable to make the payment i am ready to pay these mentioned charges i don't have any issues then why you guys are not helping to your customers.

4. (Note:we would like to inform you that your next month's (Sep 2019) emi is in under presentation. Hence, we are unable to get exact details of the emi. We are waiting for final updation and you will get exact status of the emi after 11th of the sep 2019. Kindly maintain sufficient funds in your account, so your emi' s get clear.) - for this statement kindly note :- if you guys are not supporting me on my recording calls then kindly be informed that i am not paying a single peni i hope this is done, after this if you do something for me then i am not denying i given you my new address where i am residing if you have any concern come and talk to me face to face as per the records and as per the recordings as my friend said bhai i paid the amount to the executive he didn't provide me any cash slip he said system me update ho jaega same day i asked to radhey he said yes sir payment is done now don't worry, but after this statement he denied sir kindly make the payment which was missed by my side the payment was done by ms kharbanda account wao what is the nonsense, you guys are playing with the customer he knows his friend pay the cash and he din't ask for the cash receipt and now why he is denying because might be radhey and your team took my hard cash amount for your party an all that is your concern kindly check first recordings with radhey who is that person who took the hard cash from my friend over the road. Still i am again ready to pay that so i thought might be radhey is right the payment is not updated yet so i have to make the payment. But i am wrong you are treating with the customer like sorry customer you took the loan what ever the problem you facing we don't have any issue (By hook or by crook you have to make the payment thats it).

5. (Please note if the repayment track is not streamlined it will impact your cibil & incur penal charges.) - kindly note last month my emi was bounced due to the sum circumstances and now i am calling to all your team member kindly update my new address and new mobile its better way to communicate why i am doing this because i don't want to play with my (Cibil score) so kindly check your records and do listen the recordings easily what i am saying to your team please update my address and your emi i am ready to pay i don't mind but sorry to say is for this month of september 2019 this emi will not pay by my side first return my hard cash amount what you guys or your collection team used then i will pay as per the radhey recording otherwise please we will go with the legal court procedure and all.

If you have any concern kindly call on [protected] mr. Gurpreet singh. I already mailed you my new address you guys already updated my husband mobile number so kindly update the address as well and the last thing i am writing to you kindly update the address i don't want anyone visit to my old parental address i already send the request to you several times so now team take this on prior.

Thanks & regards,
Nidhi nanda

On sat, aug 31, 2019 at 5:07 pm wecare wrote:
[https://bflcrm.my.salesforce.com/servlet/servlet.ImageServer?id=0157F000000RAWD...⇄

Dear mr. Nanda,

Thank you for writing to us at bajaj finance ltd.

As we tried calling you on your registered mobile (Xxxxxxx626) however there was no response, we understand & acknowledge the financial challenges posed by you, however would regret to inform you that we are unable to provide any relaxation on repayment of your loan amount.

We would also like to inform you that we are unable to stop your emi. This is keeping in mind the uniformity of payment due dates for all our customers, if there is any delay in emi clearance overdue charges will be added in your account for cheque bounce charges of rs.450 and late charges of rs.200/-.

Note:we would like to inform you that your next month's (Sep 2019) emi is in under presentation. Hence, we are unable to get exact details of the emi. We are waiting for final updation and you will get exact status of the emi after 11th of the sep 2019. Kindly maintain sufficient funds in your account, so your emi' s get clear.

Please note if the repayment track is not streamlined it will impact your cibil & incur penal charges.

For any further clarifications, write to us at [protected]@bajajfinserv.in

Assuring you of our best services, always.

Click the above options to raise a request, make online payments, access statement of account and more.

Have a great day!
Warm regards,
Megha
Bajaj finance ltd.

— original message —
From: nidhi nanda [nidhi. [protected]@gmail.com]
Sent: 31/8/2019 4:19 pm
To: [protected]@bajajfinserv.in
Cc: sonal. [protected]@bajajfinserv.in; singh. [protected]@gmail.com
Subject: unable to make the payment

Dear team,

This is to inform you that i have a running loan account number (401cddec302342 emi - rs. 3080/-) and (4010cdet637888 emi - rs.4162/-) for which i have already paid certain installments, but because of 2 reasons i am unable to make the payment for the month of sep 2019.

Reasons for not paying installments:

1. Non employment from last 3 months
2. Marriage - i got married on 11th july 2019
3. Dependable parents - i also have senior parents who are dependant on me.

All above mentioned reasons are there due to which i am unable to make the payment, i am looking for a job and hopefully i will be joining from 5th sep 2019 onwards and i will recive my 1st salary on 05th oct 2019.

I request you to please cooperate with me and my unavoidable circumstances. I assure to make the future payments on time which will be from oct 2019 onwards.

Also i would like to bring your kind attention towards the emi for the month of sep 2019, i request you to allow me sometime to gather the money amount and i will pay the emi at the time of settlement of loan (Last emi or pre closure).

I would also like to update my address and mobile no for your future references and further communication. Please update the same in your records.

New address: flat no. C-2, 3rd floor, shri ram apartment (Rz-b-30), gali no.02, new janki puri, opp old age home, uttam nagar, new delhi-110059

New mobile no: [protected] (Husband)

Note: as i have updated my new address and mobile no so i request you not to use my old address for any kind of communication/recovery/letters etc.

Thanks & regards,
Nidhi nanda

Hello,

I would like to inform you, i have paid it rs. 4999 elite emi card payment on 23rd august 2019. But still my card is not updated. And now 1 month passed away of this payment.
I have attach the screenshot my payment.
It very bad service from bajaj company.

And please refund my amount rs. 4999/- as soon as possible.

Kindly do the needful asap.

Hi
I made a payment of 90k through phonepe upi using qr code mentioned at bajaj experia website.
And this showing success message in phonepe but this amount not credited in bajaj account.
Dont know what's wrong with bajaj there customer care said they don't know about the upi and they dont know about qr code merchat account mentioned in bajaj's own website.in phonepe its showing bajajfinance ([protected]@icici)

I have purchased a mobile in april and a digital cpp tele binding was activated for my account without my authorization.
The cpp telebinding, loan account no is:-461dtbef654902.
The details of the mobile loan are mentioned below

I want to cancel that insurance which is activated.
The loan number for mobile is:-461dpfee107235
Please resolve the issue and refund my insurance payment as soon as possible.

Dear sir
. Loan account no : 403spf95944444
I have taken a flexi loan from bajaj bin with all false promises and below are the 8 grievances i have with them. I have written to them and raised complaints multiple times but they have closed the tickets without responding to all my questions, generally by mentioning that i have agreed to all the terms. Request for your interventions and pray for justice. Now they want to debit my account with rs.4500 towards maintenance charges, and rs 117 towards the charges for emi card that was never issued to me. I give below8 points by which they are over charging me
1. Bajaj fin has not provided me the copy of the contract. The concurrence was taken by showing the agreement by a pop message for few seconds. I was just provided with a link where i have to press agree button and give the otp as a token of acceptance.
2. The annexure which they claimed as a part of the agreement was not seen in the agreement when it poped up.
3. Bajaj fin has taken rs 12000/- as processing fee etc which includes rs 4000/- as stamp duty. Not sure which document attracted the stamp duty, and no proof is provided to me till now toward its payment to govt treasury account or no stamp paper that was used for this agreement is shown.
4. Bajaj finance confirmed that the above 12000 is inclusive of gst but no tax invoice was provided to me till date. As per bajaj finance – complete charges will attract gst, and why gst paid tax invoice is not provided to me.
5. The bajaj fin guy who sold this loan to me confirmed that there will not be any additional hidden charges other then the above 12000 rs, but now maintenance charges is being demanded from me.
6. Bajaj finance interest calculation is against the rbi guidelines, they consider the no of days in a year as 360 and the annual interest is divided by 360 instead of 365 to arrive a days interest, thus we land up in paying more interest.
7. All their transactions till 7 th of a month is recorded in previous month by bajaj finance. For example i repaid a loan on 7 th but the same was receipted by them on 31st of of previous month, which is against ifrs. How can they record a receipt on 31st of previous month when the actual amount was received only on 7 of the succeeding month.
8. I was never told about the emi card till today, the emi card was neither asked for nor issued to me. Why should they charge for emi card 117 + taxes. This is mere extraction of money.

Hello team,

I am sudhakar sawate, i am holding a bajaj finserv account my mobile no. Is [protected]. I also visited bajaj office in andheri but didn't get satisfying resolution. I have charged nach rs.413/- twice in the month of august and september 2019. Please look into this matter and revised the same.. Thank you!

My email id: sudhakar. [protected]@gmail.com

Regards,
Sudhakar sawate
[protected]

Dear sir/madam,

I have 3 loan account bajan finserv
Last month i paid total pending amount and bounce charges thru paytm, also i visit 4 times bajaj finserv office because of they not update my payment. Then they many times call me and told me your amount is still pending but, i done my payments and i have payments receipt.

Showing unauthorized amount
Sir/madam please take strictly action
Because this company not corporate to consumer kindly help

Sagar kumar
[protected]