[Resolved] Capital First Ltd — ecs bouncing charges

G Raghunathan

from Ahmedabad, Gujarat

Address:

Nashik, Maharashtra, 422006

Myself g. Raghunathan and taking personal loan from capital first ltd. Against loan a/c no.4890415 and as personal financial reasons 3-4 times i bounced my ecs in last 3 years.in last 3 months i continuous followup for the below issue thru mail on mail id : customer. [protected]@capitalfirst.com.
My query is not to charged bouncing charges and i have to accept it. My query is once it is bounced in particular month again and again why hit ecs in my bank account without informing me. For 1st time it is acceptable but repeating 2 times in the same month and for this reason capital first charged me rs.400 x 2 times and my bank rs.500 x 2 times. For ecs amount rs.4600/- total debt another rs. 3100/- (Including my bank charges) in which one time rs. 1100/- is acceptable.
Starting i am not getting any reply/answer, then they replied as per their mail they get back to me 3 or 7 working days. After 3-4 times mail they replied bouncing charges levied for ecs return and please maintain balance (Without mentioning why repeating ecs hit to my bank without informing me). Since i am not getting reply of my query i informing thru mail i have to stopped my last ecs and accordingly it is bounced. Still i am not getting any mails on my query.
Please see attached mail photo graphs and hope i get positive reply. We people giving personal for some urgency but it is not acceptable your organization charged anything for any reasons.
Thanks & regards,
G. Raghunathan
([protected])

+5 photos

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Jan 8, 2019

Complaint marked as Resolved

Capital First customer support has been notified about the posted complaint.

Dec 08, 2018

Updated by G Raghunathan Today I get a mail from Capital First and as expected reply as per my earlier message as "Bouncing charges levied for insufficient fund" (As per attached E-Mail photo copy attached) but still Capital First not mentioning why Capital First hit ECS to my Bank once it is bounced in same month. As I am not getting any answer of my query I forced to stopped further ECS. Now I am getting payment followups phone calls and if still it is continued I forced to complaint in higher authority.

Verified Support

Dec 08, 2018

Capital First Customer Care's response Dear Mr. Raghunathan ,

This is with reference to your concerns regarding your loan account.

We wish to inform that we have sent the final response on your email id.

Assuring you of our best services always.

Regards,

Capital First Limited

Dec 08, 2018

Updated by G Raghunathan Hope you people good in English and again repeating please give me answer exactly of my query. If you don't understand my query call me accordingly I explain you. Still you people harassing me you know what are my next step. What ever answer put in consumer complaints forum only. Give me simple answer of my query I promise you immediately deposited all my pending outstanding if answer is logical and valid in terms. Again repeating my query as per below :

My query is not to charged bouncing charges and I have to accept it. My query is once it is bounced in particular month again and again why hit ECS in my bank account without informing me. For 1st time it is acceptable but repeating 2 times in the same month and for this reason Capital First charged me Rs.400 x 2 times and my bank Rs.500 x 2 times. For ECS amount Rs.4600/- total debt another Rs. 3100/-(Including my bank charges) in which one time Rs. 1100/- is acceptable.
Starting I am not getting any reply/answer, then they replied as per their mail they get back to me 3 or 7 working days. After 3-4 times mail they replied bouncing charges levied for ECS return and please maintain balance (Without mentioning why repeating ECS hit to my bank without informing me). Since I am not getting reply of my query I informing thru mail I have to stopped my last ECS and accordingly it is bounced. Still I am not getting any mails on my query.