Bajaj Finserv — the amount of loan sanctioned along with terms and conditions including annualized rate of interest

Address:

600100

Dear sir
. Loan account no : 403spf95944444
I have taken a flexi loan from bajaj bin with all false promises and below are the 8 grievances i have with them. I have written to them and raised complaints multiple times but they have closed the tickets without responding to all my questions, generally by mentioning that i have agreed to all the terms. Request for your interventions and pray for justice. Now they want to debit my account with rs.4500 towards maintenance charges, and rs 117 towards the charges for emi card that was never issued to me. I give below8 points by which they are over charging me
1. Bajaj fin has not provided me the copy of the contract. The concurrence was taken by showing the agreement by a pop message for few seconds. I was just provided with a link where i have to press agree button and give the otp as a token of acceptance.
2. The annexure which they claimed as a part of the agreement was not seen in the agreement when it poped up.
3. Bajaj fin has taken rs 12000/- as processing fee etc which includes rs 4000/- as stamp duty. Not sure which document attracted the stamp duty, and no proof is provided to me till now toward its payment to govt treasury account or no stamp paper that was used for this agreement is shown.
4. Bajaj finance confirmed that the above 12000 is inclusive of gst but no tax invoice was provided to me till date. As per bajaj finance – complete charges will attract gst, and why gst paid tax invoice is not provided to me.
5. The bajaj fin guy who sold this loan to me confirmed that there will not be any additional hidden charges other then the above 12000 rs, but now maintenance charges is being demanded from me.
6. Bajaj finance interest calculation is against the rbi guidelines, they consider the no of days in a year as 360 and the annual interest is divided by 360 instead of 365 to arrive a days interest, thus we land up in paying more interest.
7. All their transactions till 7 th of a month is recorded in previous month by bajaj finance. For example i repaid a loan on 7 th but the same was receipted by them on 31st of of previous month, which is against ifrs. How can they record a receipt on 31st of previous month when the actual amount was received only on 7 of the succeeding month.
8. I was never told about the emi card till today, the emi card was neither asked for nor issued to me. Why should they charge for emi card 117 + taxes. This is mere extraction of money.