Bajaj Finserv — constant harassment from bajaj finserv for payment of bouncing charges

Address:	New Delhi, Delhi, 110045
Website:	www.bajajfinserv.in

This is regarding a loan that i have taken in the month of Jan 2017. Loan account No. is 4L6ECF33849157. Although my payment of EMI has completed but still i am getting constant harrasement from bajaj finserve employees for payment of bouncing charges which i had no idea of and also was not my fault. Here, i would like to state that i wanted to contact BAJAJ FINSERVE customer service for payment of EMI and change of my bank account for their convinence as well as mine but there is no way for me to do that via the customer service no. provided. A bajaj finserve representative called me when my first emi bounced and i explaind to her my situation that i am not currently using the account that is linked to my bajaj finserve card an she assured me that i can pay the emi in cash before 5th of every month because thats when the ecs is generated and sent to the bank for the bouncing charges and i did just that. i continued to pay the emi's in cash long before the due date to avoid bounce charges.
Following are details of payment which i have made before the due date:

1. I have paid my first EMI of Rs. 2434 (including bounce charges of Rs. 350) on 14 Mar 17.

2. Furthermore, again i paid my second EMI on 31 Mar 17 so that ECS will not be sent to my bank account again (as i was not using that account) and i will not have to pay any bounce charges again (as your rep told me to pay the EMI by cash in any axis bank branch before the ECS release which is before 1st of every month). But again i received text of EMI bouncing charges on 7 Apr 17. I did not enquire about that as i thought it was a mistake done by you.

3. I again paid my third EMI of Rs. 2100 on 26 Apr 17 which is way before the due date, but again i received a text of bouncing charges on 9 May 17. I paid this EMI through one of your bajaj finserv centre and also applied for change of bank account so that further EMIs can be paid easily.

so you see, we had put in all our efforts for successfull completion of EMI's. We had no malicious intension but still we are getting calls every day regarding this. The cheque bouncing was not our fault, we paid each and every EMI long before the due date except first EMI (for which i have paid the bounce charges along with the EMI) so that the ECS will not be released and sent to our bank account so that we do not suffer any extra charges. Also the places where we paid EMI on cash promised us that they will update the payment action on the same day.

SO, YOU SEE HOW BAJAJ FINSERVE IMPOSE THEIR INCOMPETENCE ON THEIR CONSUMERS, AND AFTER CONTINUOUS CALLS I AGREED TO PAY HALF OF THE BOUNCE CHARGE ( RS 413) AS THEY PROMISED THAT THEY WILL CLOSE THE LOAN ACCOUNT, WHICH THEY DID NOT .SO, I KIND OF GOT SCAMMED INTO PAYING THE HALF . I WANT BAJAJ FINSERVE TO STOP HARASSING ME CONTINIUOUSLY,
THEY WANT ME TO PAY FOR THEIR OWN FAULT OF NOT UPDATING THE PAYMENTS ON TIME.