| Address: 1324, Mangalwar peth, barshi 413411 |
I have taken a personal loan of 1, 64, 000/- (Loan No - LAN-529FRPGM974472 ) from Bajaj Finserv on Dec 2020. And due to unexpected lockdown, my plan for my business was stuck. And my investment is a loss. I have paid monthly installment onbtime
I missed my 1st due itself for Feb 2, 2022.
On Feb 2, 2022 I have not maintained enough bal in bank a/c but the due amount passing was failed. Next few days, I have received call from local collection executive every day time gap between 15 minute they call me from different mobile number 40 to 50 time and he informed me that my due is pending and need to pay Rs.6981 including penalty 899 /- and i tell him i have maintained enough bal on 20 feb. But the can not listen, next day the collection executive came to my home with another person .I intended to call them and want to clarify the due amount because in one previous days i received a sms in the name of Bajaj Finserv stating that my due amount was Rs.6981. Also I want to explain my situation and my ability to pay the amount on end of that week.
But their tone of language and behaviour is not as I expected. They compel me to arrange the amount immediately. They used to attack me personally in words. This type of approach I haven’t faced before and I was nervous. But they again and again point it out loudly that “you only said that you pay it on date and we need it today. We have no option, you should pay!. If you cannot pay it, then why u borrow the loan.” And I don’t know what to say; And again I gain strength and I said I can only pay on 24 Feb and I tend to come out of office. I explained what will be able myself and he also point out the failure of my promising timelines during his followup. And I intend to come out and he is walking along with the way to me and talking again and again that I should pay it today itself. And I replying him I can pay only on 20 Feb and I come out.
but he was already in my home with the other person .Then the other person takes the phone, shouted to me on the phone from my house. He shouted in rude manner, “Where are you? Come out of your house! ” and I said “I am out of my home, Now i am at barshi; I will come at evening only.” But, again and again he intentionally shouted .And in the same manner he shouted to my parents. My mother called to me and said “I told them you are not in home and they are asking you come out house again and again, please come to home now.” And also one of them talked again from my mothers phone asking me again, “Where are you right now?” My father is 70 and my mother is 55) and he asked them to pay the due amount.
And, my father was innocent and out of fear, he said the he will give the amount from his bank deposit tomorrow (on Monday 28th December 2020) by withdrawing it. That was a fixed deposit, a long time renewal from year to year by my parents as a Joint Account. And the total amount of that deposit itself around Rs.30, 000/- only. And, I felt very sad and very much depressed.
At the age of 34, because of instable income, I couldn’t pay the due on time. I accept my inability, but I don’t want to hurt my parents, I don’t want to be a burden any more. I have to take care for them, but still they are suffered because of me.
I am typing this on this early morning (17 feb 202 2) at 5 AM and I couldn’t concentrate on my work.
I want repay loan as soon as possible... But the executive irrate me so much
Bajaj Finserv customer support has been notified about the posted complaint.
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Regards
CPP Team