Bajaj Finserv — mental harassment threatening with my in laws post 8pm at home

Address:

RZ- B- 30, Gali No.2, New Janki Puri Bindapur, New Delhi, Delhi, 110058

Very bad experience with bajaj i never recommend anyone to buy any product on emi because no customer service no helping hands all are non-understandable

Case no.1

A very bad experience with bajaj field collection party took hard cash not given receipt and also he confirmed sir we receive cash so no need to worry about the same by next day i receive call again sir your amount is pending i said “o wao great”. When i complaint against to cc team not getting any response even though all numbers are busy when i highlight the case to 1st escalation team they said i look into the matter but same not getting any response.

Case no. 2

I already updated my address with bajaj but collection team mr vivek and ankit how he gon to my old address when had a word with ankit he said if you want to update your address then you need to visit on our poral only then it will be reflected i said “o wao great” miss behaved with y family mental threating without any notice he went there without any calls without intimate me as well and he harassed i raise a police complaint against you all guys o wao.

Unable to make the payment

Nidhi nanda
Sat, aug 31, 4:19 pm

To wecare, singh. Gurpreetsach, sonal. Tiwari


Dear team,

This is to inform you that i have a running loan account number (401cddec302342 emi - rs. 3080/-) and (4010cdet637888 emi - rs.4162/-) for which i have already paid certain installments, but because of 2 reasons i am unable to make the payment for the month of sep 2019.

Reasons for not paying installments:

1. Non employment from last 3 months
2. Marriage - i got married on 11th july 2019
3. Dependable parents - i also have senior parents who are dependent on me.

All above mentioned reasons are there due to which i am unable to make the payment, i am looking for a job and hopefully i will be joining from 5th sep 2019 onwards and i will receive my 1st salary on 05th oct 2019.

I request you to please cooperate with me and my unavoidable circumstances. I assure to make the future payments on time which will be from oct 2019 onwards.

Also i would like to bring your kind attention towards the emi for the month of sep 2019, i request you to allow me sometime to gather the money amount and i will pay the emi at the time of settlement of loan (Last emi or pre closure).

I would also like to update my address and mobile no for your future references and further communication. Please update the same in your records.

New address: flat no. C-2, 3rd floor, shri ram apartment (Rz-b-30), gali no.02, new janki puri, opp old age home, uttam nagar, new delhi-110059

New mobile no: [protected] (Husband)

Note: as i have updated my new address and mobile no so i request you not to use my old address for any kind of communication/recovery/letters etc.

Thanks & regards,
Nidhi nanda

Attachments area
2. Mail

Wecare
Sat, sep 7, 2:45 pm

To me

Dear gurpreet,

Thank you for writing to us at bajaj finance limited.

We regret for the inconvenience that has been caused to you and we appreciate your understanding and patience in this regards.

With reference to your email, as discussed with you on call xxxxxxx626 we request you to kindly share with us the call recording in mp3 format in order to forward the complaint against collection executive further.

Also, we would like to inform you that as per your request we have updated your address in our records as below:

Address: flat no. C-2, 3rd floor, shri ram appartment, rz-b-30, gali no.02, new janki puri, bindapur, uttam nagar, new delhi-110059 and same will get updated in experia with in 48 hours.

Please find attached statement of account for your reference.

Further, we would like to inform you that for your loan account number 4010cdet637888 and 401cddec302342 we have received your emi amount rs.4, 162/- dated 31/08/2019 and rs.3, 080/- dated on 23/08/2019 respectively and same has been adjusted towards your emi for the month of august 2019.

Also, we would like to bring to your notice that your loan account number 4010cdet637888 and 401cddec302342 has accumulated payment return and overdue charges of rs.5, 262/- and rs.3, 980/-.

We have attached the statement of account with details of charges for your reference. Kindly process a payment for the amount mentioned above as soon as possible. The amount can be paid in cash/cheque or dd drawn in favour of “bajaj finance limited”, payable at branch closest to you.

Branch address:

For any bajaj finance limited branch located closest to you - visit bajajfinserv.in/finance/branch-locator. Aspx.

We would like to inform you that an online payment can be made only for the overdue emi. This facility is offered to customers who have net banking activated for their bank account.

In order to make an online payment you may follow the below mentioned steps -
Step 1: log on to www.bajajfinserv.in and click on the tab “pay emi online”.
Step 2: select your bank name from the drop down menu and enter your loan account number. The details of your overdue emis will be displayed.
Step 3: enter the amount for which you wish to make an online payment.
Step 4: you will be redirected to your bank's net banking site. Follow the regular net banking procedures to make your online payment.

Please note that on successful completion of the transaction, a transaction id will get generated for any future reference.

For any further clarifications write to us at [protected]@bajajfinserv.in

It is our constant endeavor to ensure that you have our attention always.
For a speedy resolution, send us an email from your registered email id and mention your loan account number in the subject line. Do check the spam/trash folder, in case of non-receipt of email.
Should you need any further assistance, please contact us through the below service channels.

Click the above options to raise a request, make online payments, access statement of account and more.


Click the link to know how to download your e-statements, how to make payments in customer portal - experia and know the how to make a part payment to your flexi account.

Have a great day!
Warm regards,
Vamsinath
Bajaj finance limited.

— original message —
From: nidhi nanda [nidhi. [protected]@gmail.com]
Sent: 4/9/2019 10:08 am
To: [protected]@bajajfinserv.in
Cc: sonal. [protected]@bajajfinserv.in; singh. [protected]@gmail.com
Subject: re: unable to make the payment

* caution : this email is originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe. *

* caution : this email is originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe. *

Hello team,

Great morning to all well i am writing a mail against my pending complaint i receive the call only once and the beautiful lady was talking about emi and bouncing charges only.

Team i am waiting for the resolution of my pending complaint if in case you guys are not taking any action then please mail me you guys are not taking any action on my complaint so i can take another way to resolve my issue.

Still address is not updated yet one more thing again i am writing to you i took loan with bajaj i am not denying to not to pay but kindly look into the matter as well.

Waiting for your revert.

Regards
Nidhi
[protected]

On sat, aug 31, 2019 at 6:50 pm nidhi nanda wrote:
Hello team,

I appreciate you were calling me, but due to some urgent work i was not available, kindly arrange a call back i am waiting for your call.

Alright now we can go with the help of consumer court and with the legal team.

1. (However would regret to inform you that we are unable to provide any relaxation on repayment of your loan amount.) - kindly mail me or explain me when my friend already paid the cash to your field executive as mr. Radhey said yes we receive the payment against the loan of ac then how he denied after that it means your collection team is fraud, you guys are cheating with your existing customers. If you are not able to do anything then first return my hard cash amount from your radhey then i will pay again.

2. (We would also like to inform you that we are unable to stop your emi. This is keeping in mind the uniformity of payment due dates for all our customers,) - for this line i only wants to say is what you understand the meaning of customer if the customer is saying i am no more on my last address then why you guys are not updating my address i send you the mail with all recordings what your collection team member behaved with me and with my wife you don't have guts to revert on that topic you just wants only your emi then i am sorry kindly be attend on your mail dear team.

3. (If there is any delay in emi clearance overdue charges will be added in your account for cheque bounce charges of rs.450 and late charges of rs.200/-.) - according to this statement now i already replied to your email due to some reason i am unable to make the payment i am ready to pay these mentioned charges i don't have any issues then why you guys are not helping to your customers.

4. (Note:we would like to inform you that your next month's (Sep 2019) emi is in under presentation. Hence, we are unable to get exact details of the emi. We are waiting for final updation and you will get exact status of the emi after 11th of the sep 2019. Kindly maintain sufficient funds in your account, so your emi' s get clear.) - for this statement kindly note :- if you guys are not supporting me on my recording calls then kindly be informed that i am not paying a single peni i hope this is done, after this if you do something for me then i am not denying i given you my new address where i am residing if you have any concern come and talk to me face to face as per the records and as per the recordings as my friend said bhai i paid the amount to the executive he didn't provide me any cash slip he said system me update ho jaega same day i asked to radhey he said yes sir payment is done now don't worry, but after this statement he denied sir kindly make the payment which was missed by my side the payment was done by ms kharbanda account wao what is the nonsense, you guys are playing with the customer he knows his friend pay the cash and he din't ask for the cash receipt and now why he is denying because might be radhey and your team took my hard cash amount for your party an all that is your concern kindly check first recordings with radhey who is that person who took the hard cash from my friend over the road. Still i am again ready to pay that so i thought might be radhey is right the payment is not updated yet so i have to make the payment. But i am wrong you are treating with the customer like sorry customer you took the loan what ever the problem you facing we don't have any issue (By hook or by crook you have to make the payment thats it).

5. (Please note if the repayment track is not streamlined it will impact your cibil & incur penal charges.) - kindly note last month my emi was bounced due to the sum circumstances and now i am calling to all your team member kindly update my new address and new mobile its better way to communicate why i am doing this because i don't want to play with my (Cibil score) so kindly check your records and do listen the recordings easily what i am saying to your team please update my address and your emi i am ready to pay i don't mind but sorry to say is for this month of september 2019 this emi will not pay by my side first return my hard cash amount what you guys or your collection team used then i will pay as per the radhey recording otherwise please we will go with the legal court procedure and all.

If you have any concern kindly call on [protected] mr. Gurpreet singh. I already mailed you my new address you guys already updated my husband mobile number so kindly update the address as well and the last thing i am writing to you kindly update the address i don't want anyone visit to my old parental address i already send the request to you several times so now team take this on prior.

Thanks & regards,
Nidhi nanda

On sat, aug 31, 2019 at 5:07 pm wecare wrote:
[https://bflcrm.my.salesforce.com/servlet/servlet.ImageServer?id=0157F000000RAWD...⇄

Dear mr. Nanda,

Thank you for writing to us at bajaj finance ltd.

As we tried calling you on your registered mobile (Xxxxxxx626) however there was no response, we understand & acknowledge the financial challenges posed by you, however would regret to inform you that we are unable to provide any relaxation on repayment of your loan amount.

We would also like to inform you that we are unable to stop your emi. This is keeping in mind the uniformity of payment due dates for all our customers, if there is any delay in emi clearance overdue charges will be added in your account for cheque bounce charges of rs.450 and late charges of rs.200/-.

Note:we would like to inform you that your next month's (Sep 2019) emi is in under presentation. Hence, we are unable to get exact details of the emi. We are waiting for final updation and you will get exact status of the emi after 11th of the sep 2019. Kindly maintain sufficient funds in your account, so your emi' s get clear.

Please note if the repayment track is not streamlined it will impact your cibil & incur penal charges.

For any further clarifications, write to us at [protected]@bajajfinserv.in

Assuring you of our best services, always.

[https://media.bajajfinserv.in/email/finance/mailer/2018/oct/19/blu/chat-with-blu.png] [https://media.bajajfinserv.in/email/finance/mailer/2019/may/24/autores/customer-portal-experia.png] [https://media.bajajfinserv.in/email/finance/mailer/2019/may/24/autores/download-mobile-app.png] [https://media.bajajfinserv.in/email/finance/mailer/2019/may/24/autores/other-ways-to-reach-us.png]

Click the above options to raise a request, make online payments, access statement of account and more.

Click the link to know how to download your e-statements, how to make payments in customer portal - experia and know the how to make a part payment to your flexi account.

Have a great day!
Warm regards,
Megha
Bajaj finance ltd.

[https://bflcrm.my.salesforce.com/servlet/servlet.ImageServer?id=0157F000000RAW8...⇄

— original message —
From: nidhi nanda [nidhi. [protected]@gmail.com]
Sent: 31/8/2019 4:19 pm
To: [protected]@bajajfinserv.in
Cc: sonal. [protected]@bajajfinserv.in; singh. [protected]@gmail.com
Subject: unable to make the payment

* caution : this email is originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe. *

* caution : this email is originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe. *

Dear team,

This is to inform you that i have a running loan account number (401cddec302342 emi - rs. 3080/-) and (4010cdet637888 emi - rs.4162/-) for which i have already paid certain installments, but because of 2 reasons i am unable to make the payment for the month of sep 2019.

Reasons for not paying installments:

1. Non employment from last 3 months
2. Marriage - i got married on 11th july 2019
3. Dependable parents - i also have senior parents who are dependant on me.

All above mentioned reasons are there due to which i am unable to make the payment, i am looking for a job and hopefully i will be joining from 5th sep 2019 onwards and i will recive my 1st salary on 05th oct 2019.

I request you to please cooperate with me and my unavoidable circumstances. I assure to make the future payments on time which will be from oct 2019 onwards.

Also i would like to bring your kind attention towards the emi for the month of sep 2019, i request you to allow me sometime to gather the money amount and i will pay the emi at the time of settlement of loan (Last emi or pre closure).

I would also like to update my address and mobile no for your future references and further communication. Please update the same in your records.

New address: flat no. C-2, 3rd floor, shri ram apartment (Rz-b-30), gali no.02, new janki puri, opp old age home, uttam nagar, new delhi-110059

New mobile no: [protected] (Husband)

Note: as i have updated my new address and mobile no so i request you not to use my old address for any kind of communication/recovery/letters etc.

Thanks & regards,
Nidhi nanda
Disclaimer: this message, including any attachments may contain proprietary, confidential and privileged information for the sole use of the intended recipient (S), and is protected by law. If you are not the intended recipient, please notify the sender immediately and destroy all copies of the original message and attachments, if any. Any unauthorized review, use, disclosure, dissemination, forwarding, printing or copying of this email or any action taken in reliance on this e-mail is strictly prohibited and may be unlawful. Bajaj finance limited reserves the right to record, monitor and inspect all email communications through its internal and external networks. Your messages can be subject to such lawful supervision as bajaj finance limited deems necessary in order to protect their information, interests and reputation. Bajaj finance limited prohibits and may take steps to prevent their information systems from being used to view, store or forward offensive or discriminatory material. If this message contains such material, please report it to [protected]@bajajfinserv.in. Please ensure you have adequate virus protection before you open or detach any documents from this transmission. Bajaj finance limited does not accept any liability for viruses[http://bflcrm.my.salesforce.com/servlet/servlet.ImageServer?oid=00D7F000...⇄

Ref:_00d7f2ctuk._5000o2dc9to:ref

5 attachments


Preview youtube video how to download your e-statements | bajaj finserv

3. Mail

Unable to make the payment
Inbox x

Wecare
Mon, sep 9, 7:12 pm

To me

Dear gurpreet,

Thank you for writing to us at bajaj finance limited.
We regret for the inconvenience caused to you and the delay in our response.

As we discussed on call xxxxxxx464.
We wish to inform you that your service request is in process. Kindly allow us an additional 48 hours to resolve your query. We shall revert at the earliest with the resolution to your query/complaint.

We appreciate your patience and co-operation.

It is our constant endeavor to ensure that you have our attention always.

For a speedy resolution, send us an email from your registered email id and mention your loan account number in the subject line. Do check the spam/trash folder, in case of non-receipt of email.
Should you need any further assistance, please contact us through the below service channels.

Click the above options to raise a request, make online payments, access statement of account and more.


Click the link to know how to download your e-statements, how to make payments in customer portal - experia and know the how to make a part payment to your flexi account.

Have a great day!
Warm regards,
Vamsinath
Bajaj finance limited.

— original message —
From: nidhi nanda [nidhi. [protected]@gmail.com]
Sent: 8/9/2019 4:53 pm
To: [protected]@bajajfinserv.in
Cc: sonal. [protected]@bajajfinserv.in; singh. [protected]@gmail.com
Subject: re: unable to make the payment

* caution : this email is originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe. *

* caution : this email is originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe. *

Hello team,

Your team member were supposed to call me yesterday by 5.00 pm but till now i havent recieved any call from them.

Also, there is no response on my complaint till date, even after writing several mails no one is bothered to contact me.

This is the last email from my side, after this i am not going to contact you again, and please dont expect any payment from my side and do not contact me for payment till the time you people give resolution to my complaint.

Thanks & regards
Nidhi nanda&gurpreet singh
[protected]

On sat, sep 7, 2019, 17:17 nidhi nanda wrote:
Hello team,

I am writing this email again and again but i am still waiting for your response.

Please go through my trail mails as my query is still unresolved, and i am getting calls for payment.

Today afternoon i received a call from your team and they asked me for payment, when i asked them to check the emails sent by me along with all threatening recordings, where it is clearly mentioned that how your recovery team can behave like an animal with us in such an abusive manner. I am sending you the email again with all the recordings as the team member said that we haven't received any email from your side with attachments. Kindly go through the trail mail first.

1. How radhey said we received the payment?
2. Sanjay said we didn't received the payment?
3. My friend already paid cash to the executive and didn't give any receipt and said that it will be updated in system, even when i called radhey to confirm whether the payment is received or not, he confirmed that we have received your payment.
4. Now we received the call from sanjay for the payment again, which i already wrote in the previous mail, then sanjay said that please wait i will take radhey on con call (I was on hold), sanjay said i had discussed with radhey and said that payment is from nidhi kharbanda and your payment is still pending but i was not on con call (I was on hold, recording attached).
5. Then i received call from radhey and he said that i got confused because amount of emi and names are same, and we received payment from nidhi kharbanda not from nidhi nanda.

As we discussed and already wrote over the email that we are ready to make the payment for this month but it will get delayed and same can be done at the time of loan closure (As we are going through financial crisis) we need some time to arrange the funds.

Note: i will only make the payment of bounced emi after your investigation of the threatening and misbehavior done from your team, else i will take legal action against your entire team.

Also, i have already written that from next month onward you will receive your emi before the due date.

I am sending all the recordings attached with this email, first go through the complete case history then only give me a call, and please don't call me for the emi payment, as i have told many times that i cannot make the payment for this month, i have also informed the same even before the due date.

Also note that i have given many applications to change my address but it is still not done, i am again sending the rent agreement for my new address, please update the same in your records. For any kind of communication or collection, please don't visit my previous address, if anyone from your team or collection team goes to my previous address then also i may take action against your team. If you have any kind of concerns please visit my new address which is mentioned below and rent agreement is attached.

Address: flat no. C-2, 3rd floor, shri ram appartment (Rz-b-30), gali no. 02, new janki puri, uttam nagar, new delhi-110059 (Mon-fri after 9.00 pm) sat-sun (Anytime).

Thanks & regards,
Nidhi nanda
[protected]

On wed, sep 4, 2019 at 10:08 am nidhi nanda wrote:
Hello team,

Great morning to all well i am writing a mail against my pending complaint i receive the call only once and the beautiful lady was talking about emi and bouncing charges only.

Team i am waiting for the resolution of my pending complaint if in case you guys are not taking any action then please mail me you guys are not taking any action on my complaint so i can take another way to resolve my issue.

Still address is not updated yet one more thing again i am writing to you i took loan with bajaj i am not denying to not to pay but kindly look into the matter as well.

Waiting for your revert.

Regards
Nidhi
[protected]

On sat, aug 31, 2019 at 6:50 pm nidhi nanda wrote:
Hello team,

I appreciate you were calling me, but due to some urgent work i was not available, kindly arrange a call back i am waiting for your call.

Alright now we can go with the help of consumer court and with the legal team.

1. (However would regret to inform you that we are unable to provide any relaxation on repayment of your loan amount.) - kindly mail me or explain me when my friend already paid the cash to your field executive as mr. Radhey said yes we receive the payment against the loan of ac then how he denied after that it means your collection team is fraud, you guys are cheating with your existing customers. If you are not able to do anything then first return my hard cash amount from your radhey then i will pay again.

2. (We would also like to inform you that we are unable to stop your emi. This is keeping in mind the uniformity of payment due dates for all our customers,) - for this line i only wants to say is what you understand the meaning of customer if the customer is saying i am no more on my last address then why you guys are not updating my address i send you the mail with all recordings what your collection team member behaved with me and with my wife you don't have guts to revert on that topic you just wants only your emi then i am sorry kindly be attend on your mail dear team.

3. (If there is any delay in emi clearance overdue charges will be added in your account for cheque bounce charges of rs.450 and late charges of rs.200/-.) - according to this statement now i already replied to your email due to some reason i am unable to make the payment i am ready to pay these mentioned charges i don't have any issues then why you guys are not helping to your customers.

4. (Note:we would like to inform you that your next month's (Sep 2019) emi is in under presentation. Hence, we are unable to get exact details of the emi. We are waiting for final updation and you will get exact status of the emi after 11th of the sep 2019. Kindly maintain sufficient funds in your account, so your emi' s get clear.) - for this statement kindly note :- if you guys are not supporting me on my recording calls then kindly be informed that i am not paying a single peni i hope this is done, after this if you do something for me then i am not denying i given you my new address where i am residing if you have any concern come and talk to me face to face as per the records and as per the recordings as my friend said bhai i paid the amount to the executive he didn't provide me any cash slip he said system me update ho jaega same day i asked to radhey he said yes sir payment is done now don't worry, but after this statement he denied sir kindly make the payment which was missed by my side the payment was done by ms kharbanda account wao what is the nonsense, you guys are playing with the customer he knows his friend pay the cash and he din't ask for the cash receipt and now why he is denying because might be radhey and your team took my hard cash amount for your party an all that is your concern kindly check first recordings with radhey who is that person who took the hard cash from my friend over the road. Still i am again ready to pay that so i thought might be radhey is right the payment is not updated yet so i have to make the payment. But i am wrong you are treating with the customer like sorry customer you took the loan what ever the problem you facing we don't have any issue (By hook or by crook you have to make the payment thats it).

5. (Please note if the repayment track is not streamlined it will impact your cibil & incur penal charges.) - kindly note last month my emi was bounced due to the sum circumstances and now i am calling to all your team member kindly update my new address and new mobile its better way to communicate why i am doing this because i don't want to play with my (Cibil score) so kindly check your records and do listen the recordings easily what i am saying to your team please update my address and your emi i am ready to pay i don't mind but sorry to say is for this month of september 2019 this emi will not pay by my side first return my hard cash amount what you guys or your collection team used then i will pay as per the radhey recording otherwise please we will go with the legal court procedure and all.

If you have any concern kindly call on [protected] mr. Gurpreet singh. I already mailed you my new address you guys already updated my husband mobile number so kindly update the address as well and the last thing i am writing to you kindly update the address i don't want anyone visit to my old parental address i already send the request to you several times so now team take this on prior.

Thanks & regards,
Nidhi nanda

On sat, aug 31, 2019 at 5:07 pm wecare wrote:
[https://bflcrm.my.salesforce.com/servlet/servlet.ImageServer?id=0157F000000RAWD...⇄

Dear mr. Nanda,

Thank you for writing to us at bajaj finance ltd.

As we tried calling you on your registered mobile (Xxxxxxx626) however there was no response, we understand & acknowledge the financial challenges posed by you, however would regret to inform you that we are unable to provide any relaxation on repayment of your loan amount.

We would also like to inform you that we are unable to stop your emi. This is keeping in mind the uniformity of payment due dates for all our customers, if there is any delay in emi clearance overdue charges will be added in your account for cheque bounce charges of rs.450 and late charges of rs.200/-.

Note:we would like to inform you that your next month's (Sep 2019) emi is in under presentation. Hence, we are unable to get exact details of the emi. We are waiting for final updation and you will get exact status of the emi after 11th of the sep 2019. Kindly maintain sufficient funds in your account, so your emi' s get clear.

Please note if the repayment track is not streamlined it will impact your cibil & incur penal charges.

For any further clarifications, write to us at [protected]@bajajfinserv.in

Assuring you of our best services, always.

Click the above options to raise a request, make online payments, access statement of account and more.

Have a great day!
Warm regards,
Megha
Bajaj finance ltd.

— original message —
From: nidhi nanda [nidhi. [protected]@gmail.com]
Sent: 31/8/2019 4:19 pm
To: [protected]@bajajfinserv.in
Cc: sonal. [protected]@bajajfinserv.in; singh. [protected]@gmail.com
Subject: unable to make the payment

Dear team,

This is to inform you that i have a running loan account number (401cddec302342 emi - rs. 3080/-) and (4010cdet637888 emi - rs.4162/-) for which i have already paid certain installments, but because of 2 reasons i am unable to make the payment for the month of sep 2019.

Reasons for not paying installments:

1. Non employment from last 3 months
2. Marriage - i got married on 11th july 2019
3. Dependable parents - i also have senior parents who are dependant on me.

All above mentioned reasons are there due to which i am unable to make the payment, i am looking for a job and hopefully i will be joining from 5th sep 2019 onwards and i will recive my 1st salary on 05th oct 2019.

I request you to please cooperate with me and my unavoidable circumstances. I assure to make the future payments on time which will be from oct 2019 onwards.

Also i would like to bring your kind attention towards the emi for the month of sep 2019, i request you to allow me sometime to gather the money amount and i will pay the emi at the time of settlement of loan (Last emi or pre closure).

I would also like to update my address and mobile no for your future references and further communication. Please update the same in your records.

New address: flat no. C-2, 3rd floor, shri ram apartment (Rz-b-30), gali no.02, new janki puri, opp old age home, uttam nagar, new delhi-110059

New mobile no: [protected] (Husband)

Note: as i have updated my new address and mobile no so i request you not to use my old address for any kind of communication/recovery/letters etc.

Thanks & regards,
Nidhi nanda