[Resolved]  Capital First — Loan account no.2742324

Address:	Lucknow, Uttar Pradesh, 226021
Website:	2nd floor pandit house,9A Shahnajaf road

Due to my bank server related problem(according to capital first ltd) the ecs cheques couldn't cash on against loan agreement no. 2742324 from capital first every month since January 2015.. My account balance was enough for the cheques to be cleared, my loan duration time was from January 2015 to January 2016..I received phone calls from capital first asking me either to settle the amount with rs 7000 or to close it with the total charge of rs 15500.. I was told that if I would pay ₹15500 my cibil would be uneffected and if I settle it down my cibil will be unhealthy so I opted to pay ₹15500 with all penalties and late charges..I transferred ₹15500 from corporation Internet banking online on 10th January 2016..I made sure that no due was left by checking it on capital first website, in January 2016 the outstanding amount was ₹0, last time I checked it in February still it was ₹0, this month I applied for the auto loan in dena bank after login of my file I got to know that amount of ₹900 is outstanding against the loan agreement 2742424 from capital first through cibil report..it was showing write off against the same loan .. I want to resolve this problem, so i want n.o.c for the loan agreement and I want the write off status to change into closed..please help me out as soon as possible..further I am forced to pay ₹900 which I have paid, since I need to resolve this problem within a week..i have also attached my corporation bank statements copy showing it the amount transfer of ₹15500 and ₹900 reciept which I forcely paid in order to correct things without any settlement showing in my cibil account information..adding to your information my account balance had never gone less then 5000₹ .. I am still to know that why capital first couldn't debit ₹1250 (emi/month) from my account through e.c.s..i went to corporation bank asking about the same problem, staff from corporation bank(Viraj khand, Gomti nagar, Lucknow) told me that the problem exist in capital first system, but when I asked capital first about the problem they blamed corporation bank, and yesterday when I went to capital first office asking about the due amount of ₹900 for the loan agreement 2742324 which I have already paid way back on 10thJanuary 2016(₹15500) staff told me that it would be a technical error due to which ₹900 over due amount is still pending and added that the status written off cannot be removed and when I told them that in January 2016 I received call from one of their staff asking me to pay ₹15500 to avoid written off status in cibil he said that their staff who told me about that did not have knowledge and further said that if that staff would have full knowledge then why he should be in capital first, he should have been an IAS officer..Also when loan tenure was going on and through e.c.s they couldn't debit my account, they used to call me at that time telling that you have to pay cash and there will be no effect on you cibil which was totally untrue ..they never told me about late payment, they always talk irrelevant, today when I asked Their staff to give me in written that there was technical problem due to which loan which ₹900 is still showing over due for the loan which was fully paid way back in January 2016 he said no, nor he was ready to accept human error in written paper..i am feeling like helpless, for the things for which I haven't done anything wrong moreover I kept my account balance always above 5000₹ for loan repayment I am still paying off mentally, financially, physically..please help me out.i will be really privilege if you do favour me...I am mentioning the problem again in the point written below-
(1)why they couldn't debit my corporation bank account through e.c.s even though my account balance was always above the amount of instalment which was suppose to be deducted
(2) Why fake promises were made during the time of collection of instalment (jan 2015, Feb 2015, March 2015, April 2015, May 2015, June 2015) in cash that it would never had an effect on my cibil report, I was never told about the over due charges even after asking .
(3) my due amount was ₹5000, settlement amount was ₹7000 and amount with penalties, late charges etc was ₹15500 ..I was free to choose any among those three but I opted the highest amount of₹15500 so that my Cibil status doesn't go into written off status but still it's in written off status..
(3) above three point didn't looked digestive to capital first so they imposed another ₹900 over due amount instead of closing my account in January 2016, since I paid twice time greater then the settlement amount.. And asking about it, there staff is stating that it would be a technical error or human error
(4) if the error was made by company then why should I suffer for that error, I couldn't avail auto loan due to my Cibil written off status..
(5) at last why can't the written off status cannot change into closed status since I have paid nearly ₹25000 for the loan sanctioned amount of ₹15000..and that too within time duration from Jan 2015-jan2016.

Thanks and regard,
Amit sinha,
Mob :[protected]