[Resolved]  Capital First — charging the excess loan amount

Address:Pune, Maharashtra, 412101

Hi team,

I would like to get this to your notice that i have requested for a foreclosure letter and they send the loan track statement on that basis i have submitted the dd for rs. 187870/- and plus and cheque for rs. 15000/- some change. I bounced the cheque is bcoz as per the statement i gave the dd as they asked me pay extra i did a stop cheque.

Today after 2 months they have gone ahead and debited my emi for rs. 7086/-. But when i call the customer service number[protected] wherein i spoke to sunny sharma he said they have a excess amount of approx 160000/- and when i have asked them to refund the amount he said i will send the foreclosure letter to you but when i said no to it, he disconnected the call. After that i spoke to rashid shaikh and spoke to floor manager sunil pillai also spoke to sunil’s manager he said that they can't refund the amount and it will be there on the account and emi will go automatically every month but when need him understand that i'm ready to pay the emi every month and transfer the excess amount back to my icici account they dening to do so.

I have taken a loan amount of rs. 250000/- and as per the loan track statement rs. 178924.34/- for 05/10/2017 is the amount so that means as mentioned above i gave a dd for 187870/- which means it's a excess amount i paid.

I want you as a team to either get a refund of the excess amount or adjust the amount with my remaining balance bcoz as the customer service i was told that without the foreclosure letter noone from the bank should accept the dd.

Need the amount back in my account asap.
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Feb 11, 2018
Complaint marked as Resolved 
Capital First customer support has been notified about the posted complaint.
Verified Support
Jan 08, 2018
Capital First Customer Care's response
Dear Mr. Poduval, we sincerely regret the inconvenience caused. We request you to write to us at social.[protected]@capitalfirst.com with your loan account number and contact number to address your concern.
Complaint comments 

Comments

My name is raghav yadav am pay time to time emi this is my last emi but my capital first emi card not provide as your term and condition you will provide card customer after 3 month provide my capital first emi card as soon as possible
Capital First Customer Care's response, Jan 11, 2018
Verified Support
Dear Mr. Manish‎, we are concerned about your query. Please write to us on [email protected] with your loan account number and contact number to address your concern.
Even after the regretted period of the EMI Tenure... after a year of completion of the consumable loan in 2016. A charge of 99/- has been deducted from my bank account on 01-01-18. please reverse the amount right away.
Capital First Customer Care's response, Jan 11, 2018
Verified Support
Dear Sir/Madam‎, we are concerned about your query. Please write to us on [email protected] with your loan account number and contact number to address your concern.

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