Bajaj Finserv — Personal Loan DIspute and closure

Address:

VPO Hambran

Hello Sir/Madam,

My name is Jasvir Singh. I took a personal loan from bajaj finserv in March -2021. Over the call I was told about a lower interest rate which was around 11-12 %. But they started charging me 19.25 %. Which I denied paying. In a pandemic, their customer care number was not working and I was not able to reach them. Their office was also closed. So I stopped paying EMIs and raised a dispute request. They called me and started forcing me to Foreclose the loan. I agreed but they started asking around 8% foreclosure charges per anum. So I denied paying that much because my loan approval was 124999 but they credited only 114999, the rest of the money they cust down as service charges. So then we agreed on the settlement. I paid the agreed settlement amount in July and they closed the loan. But in CIBIL it still shows INR 22 as overdue for the same account under my name. This whole incident is affecting my CIBIL. Their customer care guys only ask to send the report by email but nothing happened and it has not been updated yet. I am not able to apply for a home loan due to their fraud and mistake.