Respected sir/madam,
Greetings!
I am mathivanan full time ph. D student in pondicherry university. I reside with my wife and kid in lawspet, pondicherry.
Today (10th august 2017) one of your staff mr. Ganesh (Mobile no. [protected]) from bajaj finance ltd., eswaran koil street, pondicherry called me from 4:44 p. M to 4:53 p. M and asked “why have you bounced the cheque this month also?”.
I said on 13th july itself i gave an account change request to mr. Nagappan in his office after paying the first due in person and so asked him to get the updates from him.
Mr. Ganesh didn’t mind that and just insisted me to come to the office and make the payment immediately. I said i can’t come to the office as i will be out of station and i can’t come to the office every month.
At once he started abusing me in singular. He is telling, “it is our fate that we gave loan to people like you?”. He also added, “you are sleeping in the air conditioner bought freely and don’t you have sense to pay the amount?”. This statement is very awkward and un-parliamentary in the vernacular.
He threatened me that, “let me see how you are not paying the due in my office”.
Terrified, out of fear and with a grieved heart i am writing this to you after making my wife and daughter to sleep (11 p. M now).
Please be patient enough to read through the background.
On[protected], i purchased blue star air conditioner + vguard stabilizer from darling digital world, 80, kamaraj salai, puducherry for rs.35, 000/-.
I paid rs.12, 000/- down payment and agreed to pay the remaining amount in 8 equal instalments through ecs (Rs.2, 917/- per month) with financial assistance from bajaj finance ltd., eswaran koil street, pondicherry (As suggested by darling digital world) wide loan account no. 4580cd40307614.
The kyc documents submitted by me are:
1. Id proof
2. Address proof
3. 6 months account statement of my stipend account in canara bank, puducherry
4. Cancelled cheque leafs of my old savings account in state bank of india, coimbatore. (As i didn’t have cheque leaf for canara bank account at that time).
I told them very clearly that i receive my stipend only through canara bank and the same will be used for paying my instalments. The salesperson asked me to sign the blank ecs form for amount 50, 000 telling that they would fill the required details later on. (This is their usual practice, i believe).
My first due was on 5th july and i got sms from bajaj finance to keep my account sufficiently funded in advance. I ignored those sms as i kept my canara bank sufficiently funded in advance.
On 10th july i received an sms stating that rs.3367/- is outstanding in my loan account.
Surprised by this i contacted darling electronics and mr. Navatheethan (Phone:[protected] told me that they have uploaded some 140 customers file at once and by mistake they have mentioned my sbi account number for ecs. So the cheque/ecs is bounced in sbi, coimbatore.
Mr. Navaneethan talked with mr. Nagappan (Bajaj finance ltd., eswaran koil street, pondicherry) and mr. Tamilselvan (Darling digital world, viluppuram road, pondicherry mobile: [protected]) and explained the issue to them.
Then mr. Navaneethan filled a fresh ecs form with my canara bank account details (By then i got cheque book) and advised me to pay the first instalment alone without cheque bounce fee (Even he also assured me that darling electronics will take care of the cheque dishonour fee) to mr. Nagappan, bajaj finance ltd., eswaran koil street, pondicherry and hand over the ecs form to him. I paid rs.2920 on 13th july and hand over the ecs form and cheque leaf to mr. Nagappan.
Before the 2nd instalment due date on 30th july, i received an sms from bh-bajaf to keep my account sufficiently funded. This time i noticed that once again my sbi account is mentioned.
Immediately i called mr. Navaneethan and told the matter. Then i called mr. Tamilselvan and shared my canara bank account details. I didn’t have any of the bajaj finance ltd., staff contact numbers.
On 2nd august i received an sms from “canara bank that mandate reference no:[protected] issued to bajaj finance limited with value 50, 000 and frequency is received today for processing”.
But on 8th august once again i received an sms that rs.3367 is outstanding in my loan account. After so many requests and running from pillars to post they made the cheque bounce!
· is this fair? Can i treat this as intentional or negligence?
· how many days do you need to update a bank account change request in your system?
· if this is not done on time don’t your staff have the responsibility to inform the customer?
· don’t you know that cheque bounce is a criminal offence?
· if you continuously make cheque bounces in my account, who will pay the cheque bounce fee?
Once again i contacted mr. Navaneethan and mr. Tamilselvan and explained the matter. They said they have asked for a service request from bajaj finance and will get back to me.
Leave that aside.
Sir, while i myself proactively take every effort to settle this issue, is this how your employees talk to your customer?
Are your collection staff any different than the unorganized unscrupulous money lenders?
Does he as an individual is like this or all your employees and the entire team bajaj finance is like this only?
Last one month or so i am highly depressed, mentally tortured because of this loan.
Today because of mr. Ganesh words i am very much grieved in heart and spirit. His words deeply hurt me. His tone and the manner he ordered me to come to office created a sense of insecurity within me. I request your kind self to protect my life from the goondas like staff of yours.
Moreover, i need the reasons for delaying the change of account request.
Continuous cheque bounce caused by you is loss of my credibility and low cibil score as well. The bank also charge me for cheque bounces.
I am just a phd student in pondicherry university. No word power or man power or money power like your staff mr. Ganesh. So i request your kind self to treat this as a threat to my life and do justice to me without any delay. Otherwise you would provoke me to take some other course of action which are irreparable.
Thank you!
Respectfully yours,
P. Mathivanan
[protected]
Sep 14, 2017
Complaint marked as Resolved
Bajaj Finserv customer support has been notified about the posted complaint.
Verified Support
Aug 11, 2017
Bajaj Finserv Customer Care's response Hi, we have noted your details and will get back to you within 24 working hrs
Verified Support
Aug 12, 2017
Bajaj Finserv Customer Care's response Hi, your request is under process. We will get in touch with you within 48 hrs
Verified Support
Aug 12, 2017
Bajaj Finserv Customer Care's response Hi, as discussed your details related to your query has been sent to your registred mail id.
as per e mail from your end i have paid rs.4770 and got elite card.But till todate i didnt get all so called facilities for the elite card.still im enjoying the same facilities of my old emi card.Now after this many days when all my requirements which i could do with those coupons and holidays i am not interested in those facilities.So i want a refund of my 4770 rupees which is taken for not of any additional use.More over after getting card neither i am getting e mails nor i could contact them.Till i paid money if they couldnt pick up they were calling me till i pick up the phone. Towards this so many e mails i put with bajaj finserv complaints and without giving any solution they themselves say that complaints over and case disclosed