Bajaj Finserv — Unethical emi deduction

Address:	Vadodara, Gujarat, 390002
Website:	www.bajajfinserv.in

Hello,
I had my loan from bajaj finserv complain no. 418dpf28486139 i guess. It had 8 emi's, i made a foreclosure payment to complete the loan on march 30th. Still my amount was deducted on 6th of june (Which is not my emi due date. My emi due date is 2nd of every month). I couldn't understand what was going. That was the survival i had for that month and now it was gone.

I made a call to the customer care representative, the day you made payment it was under presentation period. So it would deduct the amount automatically.
You would get refund after 13th june. Call got disconnected somehow so i called again then the representative said you would get refund around 10th june. I talked to his manager. He said within 4 to 5 working days we will try to refund the amount. I talked to his manager he said to give 48 hours to him and he will sort the issue out. They called me next day and said the refund will be made only after 14th since the amount is not settled. Neither i, neither the senior escalation manager had any idea what that meant. So i was like super angry and told him to get the answer and call back. Didn't heard from them since then. And today they sent me a mail regarding the refund process has started.

My argument:
1. If its in presentation period! Why does it not inform the user that the next month emi will be deducted even if he pay now.

2. When are foreclosing your loan, that means you are clearing out all your debts. Then why does it still deduct (Presentation period doesn't make any sense here).

3. Even if the money is deducted the refund should be quickly. I had that as my survival money. What if i could have got in accident?, or what if am traveling somewhere, had to pay emi? Why should i borrow money from somebody else coz bajaj finserv messed up.

4. They say, its written in policy, yet i tried to find it but i couldn't. Apparently it must be something only know to the employees of bajaj finserv. General customer should just assume that it must be presentation period with out any knowledge of it whatsoever.

5. They told me that, you should have called us after making the payment.
Firstly, if the user don't know that this is presentation period, how would he call.

Secondly, the online system is made for the convenience o[censored]sers. What the point of it if we have to call every time we make payment.

6. Senior escalation manager says "you should have gotten a message of presentation period".
Firstly - no other representative below him knew about this, so he might be fabricating it.
Secondly - i didn't get any message stating the presentation period. Else i wouldn't have spent hours talking to them.

7. They ask to amend their policies, but its fine that if they don't.
E. G. 1 - does their policy states to send messages only when you have to take the emi or have missed the emi? For rest of the crucial things its okay if customer gets thrashed around.

E. G. 2 - if their policy states that if customer miss the emi, they should be rude to them and talk to them like they are piece of garbage. Then they are doing good job.

E. G. 3 - does their policy differ according to the employees, so the knowledge they have regarding their own policy is different. Like the date of refund - it ranged from 10th, 13th, 9th to now may be 14th june or later. There are other things on the similar ground.

E. G. 4 - they say that you can call on their customer care no. But you actually can't reach them until you got the emi section of the call. Well why? Why can't i reach to the team for my loan problem as i am facing. It took me almost 10 calls to figure out the way to reach them. So annoying and frustrating.

There are lot of things like this. What if i didn't had any other source money, that a rare case but it has possibility. I had been through so much of mental trauma coz of this. It doesn't matter to them. They won't call or update you on the situation. For them only emi matters.