Bajaj Finserv — bajaj finserv unlimited ecs return charges, added to my dhakuria kolkata sbi account

Arpita_Halder

from Kolkata, West Bengal

Address:

kolkata, 700140

Dear sir,
Last couple of week i was trying get my all loan account statement from bajaj finserv starting from april 2018 to till date, as sbi charges me for the bajaj finserv ecs return charges of rs. 23305 from april 2018 to till date. When i ask bajaj for this they told me that they only charge me for 33 times and give me the statement from oct 2018 to 2nd january 2020, but where as sbi charges me for almost 77 times. Last couple of week i following up with bajaj for the full consolidated statement of my all account but they are not bother to replying. And when ever i ask sbi dhakuri branch, kolkata, they told me that its the bajaj finserv who present their ecs so many times.

And suddenly today i got call from followings no asking for my current loan emi to be paid advance for the 1st time in last two years. When the schedule emi date for the bajaj is 2nd of every month. And they told me that 2nd feb is sunday, its non-banking day, so bajaj will attract bounce charges for that, why how i do not know they are asking for advance emi payment.

[protected], [protected], [protected], [protected], +[protected]
For my present loan accounts
410remfj388278, 410ecffj238251, 410repfc366157.

Now bajaj put me in a situation that i can not even keep my sbi account min balance also. When ever i put money in sbi it will get deducted in the form of ecs return charges and i'm really afraid of keep money in my sbi bank.

And bajaj is not replying to email also now.

Now what should i do to protect my sbi account, whether to cancel bajaj finserv mandate from my sbi account or else i need to scrap my sbi account cos i do not know how many till ecs charges they keep on holding in my account till date.

So please let me know how to get rid of this.

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Bajaj Finserv customer support has been notified about the posted complaint.

Feb 07, 2020

Updated by Arpita_Halder Please find attached email conversation with Bajaj Finserv and let me know what to do.

Feb 16, 2020

Updated by Arpita_Halder Sir,

This is the reply i have got from bajaj finserv in husband's email id.
I know that due some financial issues baja finserv emi got bounced as mentioned in earlier comment. i have paid all till date. i just want to know, to get back the emi how many times baja finserv present their emi to my SBI dhakuria bank account (A/c. no. - [protected]). So that i can get it cross checked with my SBI account. Cos its not 5-10 times, but SBI charged me for 81 times till date.

As per bajaj finserv its the bank charges of ECS return. I understand that.

I also understand this, that a bank only charged ECS return, only when the lender represent the ECS to the particular account, then only. otherwise bank can not charged to the account.

bajaj only provide their ECS represent form Sept, 19 onward. But from April, 17 to till Sept'19 their are not providing after asking so many times to bajaj finserv. There only only they are saying its only banks charged, not their. as if SBI charged me without producing the ECS by bajaj finserv.

So please let me my further course of action, if possible. it is almost 15 days over i raised this query in this forum.

Feb 22, 2020

Updated by Arpita_Halder Till date no reply or re addressable communication from Bajaj Finserv nor from Consumer forum. i do not know why there is so much of silence from both the parties. I think i should also keep me in mute mode in coming 2nd of March also, if the this silence goes on continue.