Byju's — illegal sme loan for byjus product and harassment call & threatening message

Ref: my previous unresolved complaint dated 18th november 2019

Id: 2513475

Sir,

The complaint mentioned above is not yet resolved.

They offered me a refund of the amount if i return the product. I asked them to refund my amount first and close the concerned loan but they did not respond to that mail. I asked them to receive the loan payment status from their finance partner (Iifl) to ensure that i have been making the payment regularly.

I am still receiving threatening sms of legal action for nonpayment of emis but i have been regularly making the payment. I am also receiving calls although i have been blocking those calls. I have asked the byju's people pretending as iifl recovery agent or officers not to communicate by mobile or telephone. There are many documentary evidence of cheating and fraudulent calls from byju's in the past and i have informed them about the issue. Byju's customer support service is also requested not to communicate by mobile of the telephone so that those frauds can be avoided.

Byju's is still sending smss to threaten me and that is causing tremendous emotional stress in my family. They are asked to provide me the loan sanctioned letter and loan status. But they remain silent and not yet making transparent and honest communication. I have been claiming that the sanctioned loan is illegal. But byju's is not able to clarify my issue.

In the past, i have raised the issue that byju's employees are involved in the forging of my signature to register nach mandate in npci which i have canceled through the destination bank. They have no answer to those illegal practices. There are many documents of evidence of fraudulent call recordings, smss, emails, whatsapp messages.

Please resolve the issue and ensure honest, and transparent communication. The issue of illegal loan is raised in rbi. The issue of two consecutive mandate registration with the forged signature of mine is also raised in npci regulated by rbi. It is my moral duty to inform the income tax department that an sme loan was sanctioned illegally for purchase of a byju's product (Order no:[protected]. Otherwise, the automated system of the income tax department will issue an inappropriate itr-4 form in my e-filing it account. I will have to submit the balance sheet of my nonexistent business which will create many inconvenience and difficulties to me and i need to refer the iifl loan linked to my pan. All these possible concerns were intimated to mr vishnu khanna, senior academic counsellor, byju's in the month of august' 2019. Iifl has reported my loan as personal loan in npci and the cibil record is showing my loan as a personal loan

I, therefore, request byju's to be sensitive to all the issues i have mentioned in all my emails, to be honest, and transparent to the customer to avoid unnecessary inconveniences. This is my gentle request to byju's to resolve the issue in true spirit.

Regards,

Ramen kumar bharali
Byjus order no:[protected]
Iifl loan a/c no: sl2430349
Loan no: [protected]