Bajaj Finserv — Forced imposing interest even not opted moratorium

Dear Team,

BFL team collected EMI for month of April 2020 where as missed the EMI amount collection from my bank auto debit mode for my loan no. 469MPDFR512124 on due date 2nd May 2020. Sent me SMS on 4th stating" processing the moratorium upon customer request" which is really i have not opted.

Then i tried to repay from my end through their app/web portal, there is no option to pay for the missed EMI, i sent an email requested to avail the option to pay missed EMI on 5th May 2020.

Finally i paid on 6th May 2020 through portal under overdue even because i have not found the option to pay for missed EMI. And i sent an email request to adjust paid amount against May month EMI.

On 8th BFL team sent an e mail stating the Rs.180/- deducted as interest and remaining balance processing to sending back to bank account. Even i have sent an e mail on 9th May 2020 to resolve the problem.

After my E mail on 8th they have sent me an e mail stating as they are confirming applied moratorium on me and my loan due repayment schedule changing from 2nd of every month to 5th of every month. Replying to this e mail i sent on the same day 9th May 2020 "i have not opted any moratorium and adjust the paid amount as my missed EMI, not to change my loan repayment schedule.

On 11th BFL team has sent an e mail stating they are processing to send back the balance amount Rs.2070 /- into my bank registered with them and adjusting the Rs.2050/- against my EMI for May 2020. Then i sent an e mail in reply on 11th may 2020, requesting difference amount also to adjust for may 2020 EMI because i have not opted why should i pay interest. Initial difference was Rs.180/- then it become Rs.200-/ difference. I didn't get any reply for the same, hence i reminded by email on 19th may 2020.

On 27th today i received the payment from Bajaj Finserv into my bank account. I read it through my e mail from my bank regarding the payment transaction.

Hence, i request here is, Bajaj group Forcely imposing interest on customer/s like me even if the customer is not opting the moratorium and sending/creating fake requests in the name of customer but actually customer not availing. Its second time happening to me with bajaj group. I faced the same problem to my personal loan also. Even after we sending the clear emails also they are copying and pasting the RBI rules which is we know that is why not opting the moratorium.

Kindly Help me in this regard and request to repay the amount what ever they deducted as interest Rs.200/-. Every penny counts to them why not to me. Its my honestly earned money. And also i request the team to make some thing reform needs in this sector to save the poor from corporate crooks.

With kind regards,
UMAR FAROOQ
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