[Resolved]  Bajaj Finserv — over charge for cheque bounce

Address:

713347

Sir,
I, mahuya das, have the honour to state you that i bought a refrigerator through bajaj finance and my emi (Rs. 3030/-) falls on the 2nd day of each month. I have salary account in sbi. Due to holiday on 01/03/18 (Holi festival), bank was closed and hence salary could not enter into my bank account. Hence they couldn't recover the due emi amount on 02/03/18 and charged a fine of rs. 450/- for cheque bounce.
Now i have the following queries...
1. Since i depend on salary account and this month my salary payment was delayed due to holiday or some other reason, the due emi could not be deducted on due date. Then where is my fault in it?
2. They did not informed me that my bank account was short of required amount, so that i could pay the due amount in other way. They could have intimate me about the short balance in my account account on 02/03/18 so that i could pay the emi by cash.
3. I tried to contact with branch offices at asansol and kolkata (Phone numbers obtained from their website). But all the numbers were told 'out of service'.
4. The charge for cheque bounce off is too high since the due emi amount is only rs. 3030/- and date failed only for 3/4 days, as they could recover the due amount on 06/03/18. I did not have the knowledge that they would charge this huge amount. They have never informed me about this excessive charge. I don't know at what rate they have charged this fine.
5. I have never failed my emi before. You can check my previous records.
I would like to mention that they have also fined a huge number of defaulters this month for the same reason and those defaulters also had no idea about this penalty charge.
I, therefore, would like to request you to look into the matter and do the needful.
Thanking you,
Mahuya das
Customer id[protected]
Loan account no. 4980cd58077027