Citifinancial Consumer Finance India Ltd Complaints & Reviews

Daer concern,
My name is Raveendra Desai, ex employee of citizens financial.
My date of joining is 1. 12.2005, as a PLO in Davanagere, Karnataka, and last working is 31.8.2007.
Please let me know my PF no and phone no to contact the concern person.
My cell no. [protected]
[protected]@gmail.com

I need two wheeler loan clearance noc from citifinance

Hi,

I am smitha. V i had purchase honda activa on 16/10/2006, registration number ka-04-er-9393 m/c 75 300 cc from swastik motors gokula, mathikere, bangalore and the loan was financed by citi financial consumer finance india ltd bangalore -25, i have paid all the installments without fail but i forgot to take noc from the financing company. As i want to buy new vehicle and sell the old vehicle i need noc. I am unable to find this company's details in bangalore to contact and get noc. Hope you do the needfull.

My mobile no.[protected]
Email : [protected]@yahoo.com

I am R. Sethuraman mailing from madurai regarding closing my home equity loan sanctioned to me.

Help me to close the loan at single payment and collect my original property documents given while availing loan. I have made more than 90 instalments out of 120 emi sanctioned.

Ask ur person to cal me or mail me for closing balance and handover my documents.

[protected]@gmail.com

Cont...

Citi finance ltd — personal loan

To,
Po box 17 millenium bussiness
Park nevy
Mumbai 400710
Ir,
I was taking a loan from cityfinance office in kollam district from the year 2005. Loan amount rs.35000/- (Rs. Thirty fivethousand only). Number of delay in repayment, because their office shifted from one place to another. Now i am in cibil, so please release and cancel me from the cibil. I dont know my reference number.

Thanking you
Sunil krishnan. B. K
Pulimootil house
Kilikolloor (Po)
Kollam:691004
Email: [protected]@gmail.com
Mob:[protected]

my husband has taken 50000/- loan fron citifinancial in may 2010. he pd all the due aganist this loan and the emi amt was deducted from my account only. Till August 2013 an amount of Rs 2690- has deducted from my account as EMI. i have got all the entry in my pass book. Now I got a letter from Kotak Mahindra stating that he has got due to clear aganist that loan . This is cheating and giving mental tension for the customers.

Dear Sir, Please arrange to despatch "NO DUES CERTIFICATE" in r/o loan no. 12462167 for purchase of Hero Honda Motorcycle No. DL8SAN/0369. The instalment of Rs. 2188/- for two years have already completed. Please send No Dues Certificate to the following address: Kumar Sourabh Verma S/o Shri Naveen Chander MIG Flat No. 19-D, Third Floor Pitam Pura, Delhi 110088. Mob: [protected] Earlier this certificate has not been despatched by the company. Regards, NAVEEN CHANDER

Dear Sir,

The first thing which i want you to take at your notice is that i have not done any settlement i have paid the amount which was suggested by your Ghatkopar Mumbai Branch. i have gone to your ghatkopar branch to close my loan account, Mr. Ganpat Kharat who is in your branch office told me to pay in your Ghatkopar Branch has told me to Pay Rs. 30075/- Along with Current Months EMI Rs. 1925/- but he told me that there...

The first thing which i want you to take at your notice is that i have not done any settlement i have paid the amount which was suggested by your Ghatkopar Mumbai Branch. i have gone to your ghatkopar branch to close my loan account, Mr. Ganpat Kharat who is in your branch office told me to pay in your Ghatkopar Branch has told me to Pay Rs. 30075/- Along with Current Months EMI Rs. 1925/- but he told me that there is some problem in system and he collected the Money from My Wife from my Residence on 26/10/2006 and told my wife that a closing letter will come from Delhi Head office within 1 Month, after we have waited for a month but we have not received any letter from Delhi, we have again contacted Mr. Ganesh Kharat at Ghatkopar Branch he told us that he will check and revert us but there is no response for another 15 days, again we have tried to contact him but we came to know that he is gone to his native place after 5 days he came again to my residence and collected Rs. 5000/- and he has not given any receipt for that he told my wife that there is a miscalculation from his end and this is final amount to pay but after so many days he has not contacted my wife as i am not in mumbai for 2 years so i am not able to contact for the same. when i came back i tried to contact your customer care and the ghatkopar branch and i came to know that the Branch was closed, later on after 4 years Mr. Iliyas from Your office as visited my residence in my absence and told my wife that my loan account was not closed, we have told him the entire scenario after that he accepted that there is a miscommunication for your end and he demanded 3500/- Rs. from my wife to close the account permanently. my wife paid him Rs. 3500/- and he issued a receipt.

Now i have taken my cibil report in that i came to know that my citi loan account is showing as Written-Off and i have contacted your customer care, kindly take note of all this incidents there is not my fault as i have taken the first loan of my life from citi and done as directed by your officers. kindly set my account as normal to cibil all the receipts and cibil report attached with this mail for your reference.

Thanks Regards,

Dinesh Pathak

Dear Mr. Dinesh Shivsevak Pathak,


This is in reference to your query in regard to your Personal Loan facility with us wherein you have requested for an explanation on sharing information with CIBIL (Credit Information Bureau India Ltd.) pertaining to your loan facility.

At the outset, we would like to inform you that CitiFinancial Consumer Finance India Ltd. has not made a willful or wrongful complaint against you to CIBIL. In reference to sharing of data with CIBIL, we would like to inform you that together with other banks/financial institutions, CitiFinancial is also required to submit the necessary information in accordance with the credit information companies (Regulation) Act, 2005, in order to facilitate the compilation and dissemination of credit information including data on defaults to the financial system.

Further, we would like to state that at the time of settlement, the Company had provided you a total waiver of Rs.24,479.71/-. Moreover, we would like to state that Rs.17,709.92/- was the waiver given towards the Principal Outstanding (POS) out of the total waiver. We, therefore, request you to pay said amount of Rs.17,709.92/- in order to update the CIBIL record as “Closed with Nil Dues”. You can make the payment by choosing any of the below mentioned options

1. Please visit our branch office on the address given below


CitiFinancial Consumer Finance India Limited

Shop No 16/17, Kanakia Country Park, B Wing, Phase 1,

Dattapada Road, Opp Tata Steel Company, Borivali East, Mumbai-400066

Phone Number[protected] / 28548143


Or

CitiFinancial Consumer Finance India Limited

Shop No. 2,3,4, Shreeji Arcade (Opp. Nitin Castings)

Almeida Road, Thane (W), Mumbai - 400 602

2. You may send us a Demand Draft in favor of “CitiFinancial Consumer Finance India Limited” payable at Delhi. Please have the same sent on the address given below

CitiFinancial Consumer Finance India Limited

Customer Service and Quality

6, Local Shopping Complex, 2nd Floor

Pushp Vihar, New Delhi -110062

In case you require further clarifications, please contact us through any of the channels mentioned below. Also, kindly quote the aforesaid loan account number in all your future correspondence with us.


Assuring you of our best service always.



Thanking you


<<CitiFinancial Vernacular Draft.jpg>>

Customer Service & Quality

CitiFinancial Consumer Finance India Ltd.


• E-mail us at : [protected]@afsindia.com

• Write to us at: CitiFinancial Customer Care, Post Box No.-3548

• Visit us at www.citifinancial.co.in

• Fax us at :[protected]

• Call: 39001111* (local charges applicable) or[protected]Toll free- MTNL, BSNL, Airtel, Reliance, TATA, Idea, Vodafone and Aircel users) between 9.00 am to 6.00 pm


* Landline: You can dial the number directly (do not prefix any code) from any landline within India (local charges applicable)

* Mobile: Local STD codes of that particular city need to be prefixed from any Mobile within India (local charges applicable)


CitiFinancial Consumer Finance India Ltd.

• Service Tax Number: AABCA3223BST001

• PAN Number: AABCA3223B

Disclaimer : The information contained in this Message is confidential and intended only for the use of the individual or entity identified. If the reader of this message is not the intended recipient, any dissemination, distribution or copying of the information contained in this message is strictly prohibited. If you received this message in error, please notify the sender immediately.

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Citifinancial collection agent by name Mr.Murhty - [protected] is harrasing me for the payments even after that I told him will pay on 28th Feb 2012. He is threatening me that he will do whatever he want if EMI of the personal loan is not made on the day he visits my home on Monday 13/02/2012.

I'm requesting for the final steelement with him on 28th FEB 2012 but he is not willing for anything but to use filthy languages to address me for the EMI recovery.

MY PL account is 16040385 EMI Rs.2197/- last paid on 28/10/2011 Receipt no.[protected]. Its the mistake of the agent who has not collected EMI from me from November on wards. All of a sudden somebody calls and threatens me for the life just for a meager amount of recovery even after we agree to pay them on a convenient date.

Citifinancial people has to take suitable action against the above mentioned Manager of their agency and help us to clear their loan for a final settlement on 28/02/2012.

Respected Sir/Madam


Sub: Clear/Delete my name from the CIBIL defaulters list which is still unclear till date!!
Dear Sir/Madam,
I MUKESH VIJAY holding the PAN #AAUPV4311K with DOB:[protected] has been placed as defaulter in your records.
I have already paid off all the dues in full “NO SETTLEMENT” paid full with penalty and interest which were towards me with the reference numbers from CitiFinancial Consumer Finance India Ltd being (Loan Accounts 8937780, 11651944and REF NO.[protected].

As per the letter from CitiFinancial Consumer Finance India Ltd authorities would update to CIBIL from their end. However when escalated the matter to the CitiFinancial Consumer Finance India Ltd authorities also and they assured that it will be done at the earliest.

I kindly request you to please look into the matter and help me withdraw my name from CIBIL defaulters list with immediate effect as it is causing inconvenience to me as I had applied for home loan and my file is held up due to this.

Please help me to delete my name from CIBIL defaulter list or the concerned authority in CIBIL or contactemail/number to get in touch to delete my name.
please advise me on my mobile number [protected] or my mail [protected]@yahoo.co.in
i will be highly obliged for your kind help in the above mentioned matter...
Regards.....
Mukesh Vijay
88,New Grain Mandi,Kota(Raj.)
Mobile No.[protected]

I have a personal loan from citi financial my account no.14629576.i want to settle this account but not now becouse i'm facing some financial problem and could not pay next 6months.so please stop mentaly harassment by your staff.they calling me 8 to 10 times in a day. please save my life i'm heart patient, and not ready to bear these kind of calls.i received call from number given below[protected]-[protected] [protected]-[protected] [protected]
Regds
kishore kr grover
[protected]

We had taken loan amount of Rs 23,000 from Citi financial concumer finance India Ltd ,A/c No. 6512155, and now i had cleared last instalment amount of Rs 1085 on dt 12.09.07. There is no dues from my side.
My Details: Dinesh Mohan Sarshwat,S/o late Sri Omprakesh Sarshwat,
Nagla Devkaran, Post Hayatpur,Mathura.(U.P). Ph No:[protected]

sir,

I am Rajiv Kumar, i am a customer of city financial since 2006. At present my loan account no is 14491914. First i got loan from Mumbai, Fort branch my interest rate was 27 % pa. when i got loan that time his branch representive guide me you can take top up every after 6 month when you approved for top up loan your interest will be down at least three to six % pa. after some time i got top up from same branch and after that i was transfer from mumbai and again i applied for top up at Kolkata Kankurgachchi branch and after some time i got a top up. but after that now they refuse to give me top up. their reply was so negative. your cheque was bounced and like that. on this regard i already give clearification why my cheque was bounced they are not ready to liten me. i also make so many complain online and and also spoke on phone to customer service but they also not ready to give me clear reply. my last mail and the company reply i copy at the end ple refer it.

thank you

Rajiv Kumar
Mob - [protected]
Email id - [protected]@rediffmail.com

Dear Mr. Kumar,

This is with reference to your mail regarding your Personal Loan facility with us wherein you have raised concerns on the delay in enhancement of your loan facility.

In this regard, we would like to reiterate that the offer made to the customer for the loan facility is subject to terms and conditions, which includes evaluation against the credit parameters of the company.

Further, we regret to inform you that in accordance to our credit parameters; currently, we are unable to provide you with a loan of your choice. Also, we would like to share with you that our branch official, has already spoken to you. We understand that our officer has already updated you with the requisite information.

Mr. Kumar, CitiFinancial is committed to setting service standards which are completely aligned to surpassing our customers’ expectations. It is our endeavor to effectively listen to our customers, ensure prompt support to address their grievances and provide them exceptional customer experience. If our interface has left you with an impression to the contrary, we express our regrets and hope our future interaction will fully restore your confidence in our services.

In case you require further clarifications, please contact us through any of the channels mentioned below. Also, kindly quote the aforesaid Loan Account Number in all your future correspondence with us.

Assuring you of our best service always.

Thanking you

Customer Service & Quality
CitiFinancial Consumer Finance India Ltd.

Sent: Friday, May 21, 2010 11:46 AM
To: We Care
Subject: Re: Loan Account Number 14491914

again i wrote about personnel loan. your organisation must be give me reply why not i take topup. when i pay 27 % interest that time i was illigable now the interest rate should be reduced by your organisation i am not illigable. i want neat and clean sentence used by your organisation so that i can take further action againt you through various media like consumer forum, civil court etc. after that your organisation must be take serious action when your client put up some request. your organisation not putting any efforts on my case i know because i received a call from your call centre and she asked me some question why your cheque bounce and when you put up last complain do you have last mail copy send it again etc. that conversation proved that your organisation not talk to your branch and decide i am not illigible. all question asked by your call centre should be asked to the branch. and the cheque bounce case one of the gentle man on the phone (call centre) told me your charges reverse on branch without any reason that is depend on branch. its not necessary that the charge reverse for cheque bounce should be have any reason. that means your branch should do any thing. this is my last mail and hope your organisation take serious action. if i am defaulter then my name should be in defaulter list on various place that is organised by another media also.

Loan a/c No.11266316
Dear sir,
I have availed a consumer loan of Rs 75000/- @ 19.25% interest Flat per annum ( to be charged on reducing balance of the principal outstanding amount over the tennure of the loan)from city financial dt 29 Mar 07 and paid 33 instalment of Rs 2989/- each every month.

The citi financial has imposed Flat rate interst for 42 month and made EMI of Rs 2989/- each (75000 X 19.25% X 3.5 yrs =50551 (interest Plus 75000) = 125551 divided by 42 = 2989 ) to be payable up to oct 10

My contention is that it is flat rate not flat rate per annum as stated above and there is NO element of interest on reducing balance as per aggreement.

I explained them that in Flat rate annum ( to be charged on reducing balance of the principal outstanding amount over the tennure of the loan ), the principal component of EMI though reduced every month, is summated annually. Therefore, the interest is calculated on the original loan amount for the entire year. At the end of the year, the accumulated principal component is deducted from the original loan amount and the interest for the next year is calculated on this reduced loan amount.

Now in my case the calculation of interst should have been as follows:----

1st year 75000X19.25% = 14437.50 ( interest) ( 29 mar 07 to 28 mar 08)
Add principal = 75000.00
Total = 89437.50
EMI return 1st year= 35868.00 ( 12 X 2989 )
Balance amount = 53569.50

2nd year 53569.50 X 19.25%= 10312.12 ( interest) ( 29 mar 08 to 28 mar 09 )

Add principal = 53569.50
Total = 63881.62
EMI return 2nd year= 35868.00 ( 12 X 2989 )
Balance amount = 28013.62

3rd year 28013.62 X 19.25%= 5392.62 ( interest 29 mar 09 to 28 mar 10 )
Add principal = 28013.62
Total = 33406.24
paid up to Jan 10 = 26901.00 (EMI paid from may 09 to jan 10 )
Balance amount as on today= 6505.24

this amount will be paid in next two month.
As such my loan which is going to be paid within next month is asked to pay up
to oct 10
you are requested to look into this matter and and advise me

JASWANT SINGH SAMRA ( Borrower )

NAME : RAJESH ANANTHANARYANAN
PF NO: DL/19961/5710

I HAVE SUBMITTED MY ASR FORM IN THE MONTH OF SEP 2009.

I GOT A REPLY FROM CITIFINANCIAL THAT IT WILL BE PROCESSED IN THREE MONTHS TIME.

TILL DATE I HAVE NOT RECEIVED ANY UPDATE ON THE ABOVE MATTER.

I REQUEST YOU TO PROCESS MY QUERY IMMEDIATELY.

Dear Sir,

I had requested for transfer of my PF from my previous company(Citi Financial Consumer Finance India Ltd) in 2007, to my present Company.It is almost 2 years now but till date the same is not transferred to my Kotak PF A/c.
I tried speaking with my earlier company they just confirmed that it is processed from their end but is pending from Delhi RPFC.
My PF no is P3457.
Request you to kindly help for the same on priority.

Please ignore the earlier complaint mail as it was wrongly sent. My complaint is for the PF department and not for any company.

Thanks & Regards

Prerika Patil
(M) [protected]

Dear Sir,

> > I am an ex employee of citi financial in bangalore . i have left my job july-2008. I have not got my PF amount . I have been trying to get response from all sides but no luck . i have calledthe person told me this is for north zone contionously tried the no for 7-8 days . The given no is always busy even at night . i called up grievence department also , but no one is ready to help and speak rudely to call up the same nos .At last they picked up and told me the cheque has gone and returned and told me to send ASR form . I dont know why my cheque has gone back . My bank account in DENA bank has changed because of core banking . i contacted the bank and they are asking for cheque details . i have no information about it and no one in Pf delhi is ready to give me information and what needs to be done . even my employer is unable to help me .Its almost1.5 yrs and i have not recieved the amount .i have lot of family problem Request you to pls help me on the same .



> > Employer name : citifinancial consumer india Ltd

> > Employee no :P2545

> > PF no:DL/19961/2567



> > Regards


> > Nithin Mohan


>

To any City Finance Manager concerned about their CUSTOMER!

Is There any human working with this BANK ..

Below all my correspondence mail explains my issues ..

Even after multiple email request and phone call my issue was not resolved ..SO I PAID WHICH I WAS NOT SUPPOSE TO AND GOT RID O[censored]NETHICAL FINANCE INSTITUTE ..LAST 3 Months there was no deductions and loan amount was cleared as the bank...

Dear Sir,

PF NO: DL/19961/1881

I have submitted the PF form on 02/07/09 through courier (pod no:[protected]) and haven't recd the amount till date.

Request pls let me know the status of the form and also pls confirm the tentative date.

Request to pls acknowledge this mail.

Thanks & Regards
Nandakumar

I WOULD LIKE TO BRING TO YOUR KIND ATTENTION THAT I (KUNALDHAWAN) FORECLOSED THIS LOAN REF NO 15358311 ON 04TH JUNE 2009 AFTER MAKING THE FULL N FINAL PAYMENT ON 20TH MAY 2009. THEY DEBITED MY EMI RS 6094 ON 05TH JUNE 2009 AND PROMISED ME TO REFUND IT BY 10TH JUNE 2009. HOWEVER TILL DATE I HAVE NOT RECEIVED MY REFUND. BRANCH RELATIONSHIP MANAGERS ARE GIVING VAGUE EXPLANATIONS REGARDING APPROVALS PENDING. THEIR SERVICE COMMITMENT IS ZERO AND I WANT MY REFUND AT THE EARLIEST FOR RS 6094.

REVERT AWAITED.

REGARDS
KUNAL DHAWAN
[protected]
FLAT NO 437 HIMGIRI APARTMENTS
OUTER RING ROAD
VIKASPURI
NEW DELHI-110018

Kindly refer our preclosure of the above mentioned car loan for Rs.44000/- vide Letter No.20090113A[protected] dtd 13.01.2009 which was paid by us as full and final settlement of the same in cash vide receipt 04643 (deposit slip no.92002) dtd 13.01.2009 to M/s.Citifinancial consumer finance India ltd., Mylapore, Chennai - 600 004. The foreclosure of the entire amount has indicated that with this the above account will stand closed. When this being the case, it is very much disgusting to hear, when going for new auto loan, it was informed by the Axis bank representative that our above mentioned account is still showing a due of Rs.14000/- which has been informed by the M/s.Citifinancial for the past 5 months when the account has been foreclosed & Noc, RC Book, insurance for the same have been produced to us.

Now I request you to kindly verify the same, and release the aforesaid account from the listing in the CIBIL. If any further clarifications or docs are required, will forward the same on request.

Awaiting your earliest to ease the tension created unnecessary by the Finance company.


Rgds
BJayanthi

we would like to inform you that many allegations have been received by CONSUMERS LEGAL PROTECTION FORUM(CLPF) against CITIFINANCIAL CONSUMER FINANCE INDIA LTD., BHANGAGARH, GUWAHATI, ASSAM regarding harassment and cheating of customers. It is alleged that the CITIFINANCIAL have not handed over the key to the customers even after the pepayment of the loan sanction to him for purchase of the two wheeler. At the time of the sanction of loan, agent/representative of that financial institution inform that one of the key will remain in their custody which will be return to the customer after the full payment of the loan. but now, customers are facing tremendous trouble to gert back the key whioch is in bank's custody. Employees of the bank has said that there is no such key in their custody and bank is not responsible for handing over the key., As a result, customers are suffering badly. At present, customers are getting panic thinking for the security of their two wheeler. On 2nd march of 2009, CONSUMERS' LEGAL PROTECTIUON FORUM wrote a letter to Branch manager and asked him to take necessary step in this matter. But still now CITIFIONANCIAL CONSUMER FINANCE INDIA LTD., BHANGAGARH< GUWAHATI<ASSAM havenot take any necessary steps in respect of the grievances of the customers.So, CONSUMERS' LEGAL PROTECTION FORUM ready to take subsequent step under the CONSUMER PROTECTION ACT, 1986.

THANX.

ADVOCATE AJAY HAZARIKA
CO-ORDINATOR
CONSUMERS' LEGAL PROTECTION FORUM
CONT. NO.- 098546-=39321

Dear Sir,

I Mr Suman Dutta had purchased a Hero Honda Splender + which is financed through City Financial Consumer Finance India Ltd. on 26/09/2007.The number of vehical is WB20P9741. They had made ECS from my SBI Bank. My finance will be complete on the month of September 09. Citi Financial deducts the loan ammount from my bank on 5th of every month but unfortunately before 3 months back I got a call from City Collection department that my ECS was not cleared and they are reproducing the ECS again on 12th. As on date there is no dues on EMI all the ECSs are cleared on every months. But today I received a call from Delhi number i.e:[protected] that I have a due of Rs.650 against bounce charges of 3 ECSs but i had not received any writen documents from their end. The call centre agent is saying that they have a RBI rule to collect this Rs.650 due within 4th of April 09 otherwise they will enlist me as a loan defaulter. I requested them to give me the details in writing then I can clear this same amount by the due date otherwise on the month of September09 when I collect the NOC and the settelment letter from them then I will clear the same amount but they says that they will not send any written documents to me but I have to clear within the last date or else they will entitle me as loan defaulter to RBI.
Please suggest what to do .

Regards

Suman Dutta
[protected]

I had resigned from Citifinancial in Jan 2008. The company had sent the duly filled forms through SGC services in May 2008 to the Provident Fund Office.. I have the acknowledgment copy with me. Till date i have not received the Provident fund Cheque since i am not working anywhere. The Bank details were provided in the form. Turnaround is 60 days, but its been more than 9 months.

Kindly expedite the same.

dear sir,

i want to bring certain important issues to your kind notice
1) I have taken loan through citifinancials to purchase an LCD tv in the month of oct 2007 . when i went to Bajaj electronics, Punjagutta, hyderabad the shop people encouraged us to take the item through finance so that i will get an amount of 10, 000/- money back as a benefit. then we have approached your marketing people and they also told the same and encouraged us to take the samsung LCD tv. they explained the entire process and collected 14 cheques for Rs 4556/- each ( in the name of CITI FINANCIAL CONSUMER FINANCE INDIA LTD) and said that after the clearance of 3 cheques you will receive the amount Rs10, 000/- back. then i waited till the clearnance of 3 cheques and as i have not received any money. then during april 2008, i called city financial people placed in the show room of bajaj electronics, hyd.. they told me that the cheque has to come from bombay, so please wait for some more days. i waited two more months and when i called again to bajaj show room, they told that the schme was closed and no citifinancial person is available.

then i tried to local citifinancial offices over phone and i could not get any proper respone from any body. so after waiting for alomost three months i gave a stop payment notice to my bank to stop october 2008 month cheque issued to you as an installment.then your people started contacting me and asked to pay the installment, then i explained the entire episode and asked for a proper person's name who can help me in this issue . but i have not received any help in this regard. after waitng for one more month i have given stop payment instructions for the remaining two months installement s also to my bank.

so finally i need to pay 3x4556/- = 13, 662/- (all 3 cheques put together)

The amount i need to get back as a benefit under the scheme is 10, 000/-

the balance i need to pay is 3, 662/-

2) In the entire episode bajaj electronics, citifinancials & samsung all three are involved. and i dont know who is at fault. finally all three are loosing genuine customers like me. this year i am planning to buy two split a/cs and one washing machine and definitely i think twice before going to any one of the above three.

3) I am a genuine customer. i dont want to cheat anybody and at the same time i dont want to be cheated by anybody. please let me know where should i send the balance amount and how can i send it directly to you without involving middle men. please help me in this regard.

I have not Received any sanction Letter, Agreement Letter, Payment Track Record, Ammortisation Schedule inspite of paying EMI for the Last 18 months

This is in regard to the personal loan which I have taken from Citi Financial 16 Month ago. I have been promised at the time of the disbursement that if i pay six installments on time then I will be upgraded for "Top Up" scheme and I made sure that there is sufficient money in my account so that there would be no possibility for any cheque to be dishonored. I can present my bank statement.I would like to tell you about the services...

I m working in citifinancial(anant Traders service provider) from last 2 years but i m not received any pf number and actual pf amt and how much amt pay by company. and not received salary slip