| Address: | 132103 |
| Website: | bajafinseve.com |
Dear Sir/Madam,
We took two loans from the Bajaj Finserve company on the name of Sandeep Gupta and Ajay Gupta vied Loan account no :- 517CSL01407217, 517CSL03028205 dated 31/Dec/2013 and 29/may 2014 respectively.
We want to close both the loan so we apply to Bajaj Finserve company kindly make the fore closer letter of both the loans without foreclose charges and we will deposit the balance principal amount.
Because when we took the loan on 31 Dec 2013 and 29 May 2014 it is clearly told by Bajaj Finserve Company executive that there is no Foreclosure charge will be applicable at any time you can close your account without any fee after deposit your balance principle amount.
Bajaj Finserve apply the foreclosure charges policy after Feb 2016 but my loan disbursal date is 31 Dec 2013 and 29 May 2014.
But Bajaj Finserve issue the foreclosure letter after apply the 4% + service tax to us.
We inform this matter to Bajaj Finserve Panipat Office from where we took the loan. Then Mr. Rupesh (Bajaj Finserve Loan Dept Executive) told us that I cannot do anything in this matter if you have any complaint then mail to the Bajaj We care (Customer Care Centre)
We write mail regarding this matter to Bajaj We Care The complaint No Of Bajaj We care is -SRN07840677 and SRN07840690.
Then We get the Following Reply from Bajaj Finserve:-
Dear Customer,
Thank you for writing to us at Bajaj Finserv.
This is with reference to your query regarding Loan Account No. 517CSL01407217 and 517CSL03028205 for foreclosure charges dispute. We have tried calling you on [protected] however no response received.
Please note that foreclosure charges will be applicable on above mentioned loan as co-applicant is non-individual.
As per revised policy of Bajaj Finance,
foreclosure charges are applicable at 4% (on principal outstanding) plus 15% service tax i.e. 4.60% if current EMI is between 1st to 25th EMI and 2% (on principal outstanding) plus 15% service tax i.e. 2.30% if current EMI is between 25th to 48th EMI. Please note that foreclosure charges are not applicable post clearance of 48th EMI.
Your Good Selves,
Bajaj Finserve revised this foreclosure policy in Feb 2016. There is no information from the Bajaj Finserve company regarding the change of Foreclosure policy to us. We are continuing paying our EMI on time without any delay and default.
Now we want to close these loans but Bajaj Finserve impose us the fore closer charges which is totally illegal.
Due to delay in foreclosure I am facing very heavy financial loss on per day bases.
We request to your goodselve please take these matter on very important Notice because :-
When these institutes issue the loans or other services to the customer at that time these companies commits so many promises but after that they change their attitude too much and harass the customer . Even these companies change their policies and impose these new policies on the old customers also without getting the permission and information.
I request to you pleas look into this matter on very serious note and take the corrective action against this complaint so that in future these companies cannot harass the customer .
Further you require any information regarding this matter kindly mail me .
Regards
Sandeep Gupta
([protected])
guptasandeep.[protected]@gmail.com
The Contact Detail Of Bajaj Finserve on which we are communicate are following:-
[protected]@bajajfinserv.in - Customer Care Mail ID,
[protected]@bajajfinserv.in - Customer Care Head mail ID,
[protected]@bajajfinserv.in - Customer Care grievance Department,
shiv.[protected]@bajajfinserv.in - Regional Head,
ravi.[protected]@bajajfinserv.in --- Panipat Head,
rupesh.[protected]@bajajfinserv.in - Panipat Executive,
madhu.[protected]@bajajfinserve.in -(Top Mngt Member),
ujjwal.[protected]@bajajfinserve.in -(Top Mngt Member),
rajeev.[protected]@bajajfinserve.in -(Top Mngt Member),
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