[Resolved]  Capital First — they charge wrong penalty. never use their service.

Address:	Mumbai City, Maharashtra, 400013
Website:	www.capitalfirst.com

I took a two wheeler loan from capital first. I issued a cancelled check and a cheque of rs. 3732 for the first emi. My first emi was debited perfectly from my sbi account. My emi date is 5th of every month. On second emi, which was on 5th feb, 2017, it didn't hit my account in spite of having adequate fund in my account. I made complaints several times. I got only one excuse every time that you need to contact your branch. I asked my bank and they saw nothing wrong with the bank and blamed capital first. I believe my bank because i already had an emi with them and it was completed with no problem. I complained again to capital first saying that my bank has clearly stated that it is not our problem. Then someone from cap first called me and told me to change the emi account and provide another bank details. That means the revision of the whole process. I was already showing overdue for no reason (Though these # have many reason to show — idiots u know). However, i clearly told them that its not possible at all that i go to your office and revise the process again. I cannot afford much time. So they told me to complete pay my emis in advance through online. It was easy for me because i am very much comfortable with this. However, i did the same for 2-3 months. But every time on 5th, i got a message stating emi have been failed and my bank charged 250 for each failure, also the company (Idiot) capital first charged mt penalty. Now tell me who will take the responsibility? I am getting charged every month for not paying the overdue penalty and this is effecting my credit score. I need serious help or i will revenge. Even if i have to attack their office. My brain is not working. I will do anything. I want these son of b# killed.