Cholamandalam Complaints & Reviews

MY NAME IS PARESH. I HAD PERSONAL LOAN WITH CHOLAMANDALAM DBS.
I REMEMBER SETTLING MY ACCOUNT WITH THEM BY EARLY MID 2008 ITSELF. OFCOURSE I HAD OBTAINED THE RECEIPT BUT NOW AFTER 2 YEARS GAP. NOW THEY ARE THREATING ME AND MY WIFE ( WHEN I AM NOT AT HOME ) ASKING TO PAY A SUM OF RS.15000 . SINCE IT IS MORE THAN 2 YEARS. I DO NOT REMEMBER WHERE I KEPT MY RECEIPT. THE PAYMENT WAS MADE IN CASH. IN THESE LAST 2 YEARS. THEY DID NOT MAKE ANY CLAIMS NOR ANY BODY VISITED. MY PLACE NOT DID I RECEIVE ANY PHONE CALLS.

DUE TO LOSS IN MY BUSINESS, I SHIFTED FROM MY JOB PLACE. BUT MY RESIDENCE ADDRESS AND PHONE NOS. ARE THE SAME. I ASKED FOR THE STATEMENT OF ACCOUNT WHICH THEY ARE REFUSING TO GIVE AND INSTEAD USING UGLY FLITHY LANGUAGES, WHICH I AM SURE IS NOT AN BUSINESS ETHICS.

KINDLY ENLIGHTEN ME WHAT SHOULD BE DONE. THEY ARE NOT EVEN GIVING TIME SO THAT I CAN SEARCH THE RECEIPT IF AVAILABLE ( WHICH THEY ARE DEMANDING NOW.

NAME : K PARESH
15 / 34, Maharani Avenue
Vadavalli, Coimbatore - 641 002
Phone : 0 [protected]

I Kaushal Mehta had applied for loan against property and got it disbursed on Dec 24, 2009 my Loan Account No is X0HERHE[protected]. My First EMI started on 5-Feb, 2010 and I was given the money on 25 Jan, 2010(well that is not the issue) the issue is Cholamandlam had promised me a life insurance policy from Max New York Life Insurance for which they had already decucted the Single Premium amount of 65,000 from the loan amount but till date they havnt given me the First Premium Recipt of the policy documents, when been asked contimiously to Mr Tejas Mehta (Branch Incharge of Surat) he has no answer to it and asked to call up their Chennai headoffice.

We are already paying interest for the amount that is not been borrowed by us.

Can anyone help me.

My no is [protected]

Regards,

Kaushal

My name is Sathish Kumar residing in Avadi Chennai. I was taken Personal Loan from Cholamandalam DBS my Loan Ac No. is XSEGABT[protected] on 05/09/2007 taken amount is 34500/=. My first EMI false very next month 05/10/2007 till date from my account amt was debited exat date up to November 2009, due to financial crises iam not able to pay further emi's on Feb 2010 finaly company executive came for settlement and i asked for settlement they gave letter also after that in April 2010 Emi hit in my back account that time fund is there so it passed 1783/= i was suprised and i asked the call center they replied you loan is still active if you closed pls contact nungambakkam office they will close. I went nearly 7 times to meet concerned officials but i meet 7 personal each time after repeted call and follow up i got message from 1 personal this letter is not authorised therefor you loan Ac. is still active i have evidence till date every month EMI is hiting my bank and ecs bouncing in bank also they are putting charges and from DBS also call is receiving you outstanding amt is so and so. I got irritated every time tell me any way to come out of this pls.

Loan a/c. no.xsegmu[protected] with cholamandalam investments & finance ltd.
I have taken personal loan 5/7/2008 and now I have to close my loan account with them,
hence I am trying to contact his mumbai office but sorry I am fail to contact them, then
i have try to there channai office but no one is responding to guide me how I can make
the payment and close my loan account, for preclosure of loan account...

BY REGD POST WITH ACK DUE
From To
Rekha Mathew Cholamandalam DBS Finance Ltd
Dare House 1st Floor No.2
NSC Bose Road
Chennai – 600001
Kerala

Dear Sir,
Ref : Personal Loan XSEGCOC[protected] Dtd 29 March 2008

Sub: Post Dated Cheque Dishonoured by my Bank

With ref to the above, we came to understand that, you have presented a post dated cheque, instead of cheque dated 5th July 2010, in the month of JULY, and our bank informed, they have dishonoured a post dated cheque.
You are informed here with that, we are keeping sufficient funds in the Account and in order to present 5th july 2010 cheque, if your office presented a post dated cheque, it is your fault and liability and kindly present the correct dated cheque, the funds are there with the Account.
You may be aware that last 27 months cheques cleared from my Account without any bouns.
In the mean time, you have not informed us officialy that the cheque dishonoured due to your mistake, and however a girl from your Madras and a boy from Cochin, claiming so, asking over phone for cash for the dishonoured cheque, where in your welcome letter and in terms and conditions, you have cleary instructed not to give any cash.
Even though, on faith, I have informed the both that if they come with the bounced cheque, along with a letter from the Cholamandalam DBS, very well they can straight away collect a new cheque, and I could not understand that, even though, a post dated cheque, by mistake, very well you can present my july 2010 cheque , which is with you.
Also it is to be noted that 05July 2010 cheque No.763413 up to 36th month instalment cheque no.763421 are continuous and proper in favor of Cholamandalam DBS Finance Ltd, and you have acknoledged the receipt, without any fault and all the cheques are crossed without any overwriting and correction from my side.
Also here with please note that, if any cheque bounds, due to your fault, it is your liability, and due to any delay in getting the payment is your risk and liability and we are not liable and not responsible to pay any charges thereon.
In future also, please be kind enough to inform, if any thing, in black and white by regd post only, in your company letter head, signed by a reponsible designation and any phone calls pretending your staff, and request for a cash, or payment in some other Account are not entertained by us. Hence we like to inform you clearly that, if any cheque bourns due to the reasons of yours, delay in payment due to the reason of yours, are not our responsibility and we are not liable for that and we will not pay any charges extra.
28/07/2010

Dear Sir,

I am a victim of a fraud by CholaMandalam MS.

I had a car policy with them which expired on 30th June, 2010.

Around 11th of June,I met their agent.They indicated the premium to be paid which I paid by cheque and was cashed as well.

By 30th of June, there was no sign of the policy.I followed up with the agent and he said there was a delay but not too worry, I would get a cover note

Around 1st July 2010, I got a cover note from the Mumbai office (which is valid for 2 months).

Subsequently, the Mumbai office called up saying that my policy is NOT Approved and has been cancelled.The reason that I had 3 claims the previous year.

Is this legal?Can an insurance co cash my premium, issue a cover note and then say that the policy is "rejected"?

Please indicate how can I take legal redress in this matter.

Regards,
Nitin

Dear Sir/ Madam,

I am prakash Dubey , i joined DBS Cholamandalam Securities LTD and later transfer in DBS DIstribution Ltd. i left the company in dec 2009. and completed all the necesaary documents even i send my PF form to the company , but still i am waiting for my PF settelment everytime i call the company i get response that it will credited next month but now its more than 15 months to submit my PF form but i have not get any response from either my compony or Pf office , company location is chennai.
emp code P459
PF no TN/51954/908

help me regarding this


prakash Dubey
[protected]

Sir,

I have taken a Vehicle loan in Cholamandal DBS Two Wheeler Loan with Vehicle Regd Number AP 09 BP 3347 of Passion Plus, for my irregular payment they have recovered my vehicle in the month of June (i.e., 06/06/2010) and they sold my vehicle but they have presented EMI for this month (i.e., 05/07/2010) for Rs.1413/- & they collected Cheque Bounce Charges also, Kindly return my Vehicle sold Balance amount & Cheque Bounce Charges. My Name & Contact Number Is Rajendra Prasad K . [protected], kindly do the need full Thanking you

My car was insured by Cholamandalam DBS iin the year 2009-10 and this year even after repeated requests they have not insured it till date by saying that my car is more than 10 year old.

I have contacted them one month before expiry and they told me initially that they will renew the insurance . After that they kept on telling me that they will send some one or other and passed the time till the expirty date. After that they are not even responding to my calls. If Chola was not ready to insure the car they should have told me in the first place at least one month before expirty so that i could have searched for some other insurer though i do not understand why chola is not ready to insure cars more than 10 years old for which they have been giving insurance. Secondly they have kept me assuring that they will send someone till the expirty date has passed. And after that they are not responding to my calls. The Karolbagh office gave me false asurance and the name of the lady was Ms. Renu and the number is 39813114 . Placed below is the transcription of the chat when i went online for their online help ...see how bullxxx the chat person has responded to my pleas:
................
Please wait for our executive to respond.

You are now chatting with 'Chat Champion'

Chat Champion: Welcome to Chola MS live chat service. How may we assist you?

you: Chola MS in Delhi is useless

you: i am requesting them since one week to send someone to renew my motorcar policy but to no avail

Chat Champion: may I have your policy number

you: Y'day i spoke to them and they have all details

you: they said they will send someone today morning positively

you: today morning no one turned up

Chat Champion: may I have the details please

you: Right now the details are in my car... you may pls wait

Chat Champion: like to your policy number, your name and contact number

Chat Champion: along with make & model of the car sir

you: B Mohan Rao, car make maruti 800 model 1996 being insured by chola

you: today i am waiting since morning based on their assurance that some one will come but noone has come till now. i have their number 39813114 which is now busy for last more than 1 hour ...the name of executive who spoke to me was Ms. Renu

you: this is how you treat your customer .. i am sorry to say but this is very bad as i have taken off today only to renew my policy

Chat Champion: kindly note the above mentioned renewal is outline as per our underwriter guidelines

Chat Champion: which is more than 14 years old

Chat Champion: the mentioned vehicle

Chat Champion: request you kindly visit our branch:

Chat Champion: Board Nos.:[protected]

Chat Champion: Address: Plot no-6 First Floor opp-Hp Petrol Pump Metro Pillar No-81 Pusa Road-110005.

you: fine but you have insured it last year till now why did you not tell me one month before

you: i dont want the address i have it ...why did they tell me that they are sending some one..

Chat Champion: you may contact the above given contact details

Chat Champion: you may contact the above given contact details

you: i am telling you no one is picking the phone thee and the number i gave you is busy since last one hour

Chat Champion: please try after some time sir

you: can you keep your phone busy for 1 hour and why did they tell me that they are sending someone and now it is evening..you are telling me to visit the branch ..this is the way you treat your customers... i am going to lodge a complaint..to IRDA or any other body

Chat Champion: Thank you for chatting! Have a great day!

you: how can i have a great day when you can cheat people like this???
-----

Is someone there to help me??? The General Insurance or IRDA may please take note of the above if you exisit...

My contact no. [protected] name : B.Mohan Rao

Without information ECS was presented:
Loan Account No. XSEGERR[protected]
Borrower – Veeraiah Kasula – General Stores Owner

The aforesaid loan has been taken as on 8th May, 2008 from Cholamandalam DBS, for a period of 3 years for an EMI of Rs. 4512/- to be represented as on 5th Of Every month to be started from June 5th - 2008.Till the date all EMI’s were cleared properly.

As on 5th April, 2010, one of the EMI got bounced as there was strike going on in Hyderabad city and banks were closed & we were not able to deposit the money in bank. For which we called your customer care after two days, which told us that there is no system of representation of EMI which we asked for and we were told that some will call us as an when they will get update on EMI bounce. After 5days we got a call form cholamandalam DBS regarding EMI bounce and they told us that an executive will be sent and payment can made to that person. We asked about EMI bounce charges on the call the person told that there will not be any EMI bounce charges for the first 2 EMI bounces, however we were clearly told that in the beginning that the EMI bounce charges will be there but they did not communicated the exact amount. An executive was sent by cholamandalam as on 14th April, 2010 and payment was made to him in Cash vide receipt no.1890133 to Mr. Suresh (Ph: [protected], [protected]) and we also asked him about the EMI bounce charges he also told the same thing as above. So my emi for April which was bounced got cleared and no amount was due on behalf of myself.

As on 20th April, 2010 when I checked my SBI bank account No.[protected] from which cholamandalams EMI was cleared through ECS, there was an entry of representation of EMI of Rs.4512 of choalamandalam DBS. As I thought my EMI is up to date I have issued a cheque of Rs.6000/- to others was bounced and the person whom I issued the cheque called me and started yelling at me. This all because of you guys and because of not proper customer service.

When I called customer care toll free no. of cholamandalam on[protected] around 4pm, Indian Standard Time as on 23/04/2008, and talked with executive he told me that there was a technical error from cholamanalam side and due to which the emi has been represented...and they are sorry for the inconvenience caused to me, When I asked for a complaint no. she said there is no system of complaint no. Loan account no. is only complaint No. and they gave me the Hyderabad office contact numbers to contact them for refund of mine extra EMI paid for that month.

When I called them and gave my loan reference No. they told that they haven’t got any information regarding the ECS representation and were telling that if we have any proofs of bank statements they asked us to come with those things. I went there and provided the bank statement of my bank they told that we will get an checque of EMI in 10dys which has come and they were telling that we have to pay the EMI bounce charges in reply to that we told them what we have been communicated with there agents on the call which we have got form cholamandala DBS.But the Team leader of Hyderabad office was saying that as this was the mistake from there end he told he will forfeit the EMI bounce charges but he failed to do so and they were also collected the interest for EMI bounce charges and refunded the remaining thru checque No – “019591”[protected].

And I have taken the statement form Cholomandala DBD and in that there is no entry of ECS re-presentation on 20/04/2010 where as it should have been in there records, however they have an entry of the refunded checque I don’t know why. If they do not have entry of ECS representation they should not have refunded checque. I don’t know why? Even I am attaching the copy of that statement with this complaint.

Here I have a question for you as communicated to us by the agents that there will not be any EMI bounce charges what would be my situation at the end of my loan period? I have paid a interest of Rs.49/- towards EMI bounce That may look small now. How much they would have done by the end of my loan period by calculating your unknown interest rates.

I THINK THIS IS A REALLY GOOD PLAN OF YOUR COMPANY TO SQUEES THE BLOOD OF CUSTOMERS.



 There is a mistake in your system, first you say there is no representation of EMI then you represented it.

 Payment has been made, but the system was not upadated...Updating system is your job, not of customers. I don't operate your computers.otherwise I would have done by myself.

 Your executives accepted that there is a clear technical error in your system due to which the EMI was represented inspite of saying no and inspite of making payment.

 A lot of inconvenience has been caused to me. And has to listen to the yelling of persons to whom I have issued the checque.

Compensation has to be paid on the following grounds:

 For inconvenience which has been caused to me due to disnonour of ECS without consent and due to technical mistake in your system.

 Wastage of Time in talking and arguing with your customer care executives.

 Writing this email and sending it to consumer court.

 Towards my personal checque bounces charges.

 And most important spoiling my bank statement and bringing down the reputation and goodwill of myself.


Kindly take down my written request for foreclosure of this loan and refund me the compensation amount.Your sorry is not enough. If I delay your payment and say sorry then you will accept my sorry only with late fees charge Right...so similar rule is applicable to you.

Thanks & Regards,
Veeraiah Kasula.

Address:
H.No-47/MIG-II, APHB colony,
Laxmiguda, Kesavgiri Post,
Hyderabad – 500005.
[protected]
[protected]

Hi i m Ravleen Sethi i work with TV9 News channel.
My father Mr.Inderjeet Singh sethi took the loan from Cholmandalam DBS Ltd. 5years back and we are the non defaulter in paying ECS to them for our loan amount Rs.100000.
We made the final settlement of the loan amount on 12th April,2010 at cholamandalam mumbai office at 502, 5th Floor, Timmy Arcade, Makwana Road, Andheri East,Mumbai -400069

The lady named Ujwala took our cheque & gave us the confirmation receipt on the spot
but these people deducted our money from our bank account through which we used to pay for loan ecs.

The mail is attached for the problem I have faced no body from the company has contacted me. When the company is not ready to serve the customers why I sould visit their office always.

Dear Team,



Some executive has given a call to me and told me that they are some instalment due from my side. He said the manager will revert on this for the same, But nobody has contacted me till date. I have losed my patience. I have already forwarded this mail to the consumer forum and now not ready to pay a single rupee. As per my knowledge not instalments were pending. Further I have not received any statement for the due amount. If sent request you to provide me the courier details or postal details.



Request you to revert on this matter as early as possible.



Regards

Vijay Gupta

--- On Wed, 24/3/10, CRMHO-PL <[protected]@choladbs.murugappa.com> wrote:



From: CRMHO-PL <[protected]@choladbs.murugappa.com>
Subject: RE: Two Wheelerl Loan (X2WHMLP[protected] - SRI VIJAY KUMAR GUPTA)
To: gupta.[protected]@yahoo.in
Date: Wednesday, 24 March, 2010, 5:37 AM


Dear Customer,



With reference to your request and as per our telecon, we wish to inform you that currently there is overdue of Rs.2,769.00 as on date and hereby we request you to remit the same at our branch. We regret for any inconvenience caused to you in this regard.



The address of our Hyderabad Branch is,



CHOLAMANADALAM DBS FINANCE LTD,

3rd Floor, ANK Tower

Raj Bhavan Road, opp HDFC Bank

Somajiguda

Hyderabad - 500 002



PH:[protected]



Should you require any further assistance please call us at our Toll free Number[protected] or[protected] or write us at [protected]@choladbs.murugappa.com.



Thanking you and assuring you of our best services at all times.



Thanks and Regards,





Executive

Customer Relationship Management.

Cholamandalam DBS.


[protected][protected][protected][protected]

From: Vijay a Gupta [mailto:gupta.[protected]@yahoo.in]
Sent: Sunday, March 14, 2010 4:22 PM
To: Customer Care-CholaDBS
Subject: Important - Poor Customer service at Ameerpet Hyderabad Branch



Dear Team,

I Vijay Kumar Gupta bearing Two Wheeler Loan Account No X2WHMLP[protected] Feel very bad to write this mail on your service provided at Ameerpet Hyderabad Branch.

I visited Ameerpet Branch of Cholamandalam on 13 March 2010 for NOC to make the due payment but no body is available at two wheeler service counter. When I enquired with security guard about the concern person he replied that the person Mr Srinivas went for tea. I waited for one & half hour and one again asked the guard about the person he replied that he is on leave. I am confused whether srinivas went for a tea or he is on leave. Then I asked him that I want to meet a Manager of that branch, security guard replied that the manager is on leave. I asked who is the next person to escalate the same. I tried to lodge a complaint on toll free number they have lifted the call but suggested me to write the this mail.

Further I requested to provide me a contact number of manager but nobody has provided me any number.Further there is no escalation matrix available in the office. If the manager is not available then you cannot stop all the operations at branch. I cannot take a leave every week and cannot visit

This problem is not only faced by me but by all the persons visited the office on that day.
I have a list of six persons who have faced the same problem on the same day.

For your confirmation please contact other customer who has faced the same problem on same day.

Customer name : Haranadh
Loan No ; XZWHMLP[protected]
Phone No:[protected]

Further I required a revert on action taken against Mr Haranadh & Mr Srinivas and request you to resolve my problem immediately else the same mail will be forwarded to the consumer forum and will be printed in Newspapers.

Thanks & Regards
Vijay Gupta
Ph;[protected]





[protected][protected][protected][protected]

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Hi,

I June 2008 I took loan(x2whdtw[protected]) for my bike Splender NXZ. in the name of Sachin Bhardwaj. I have make ECS arrangement for the payment of my monthly installment.

Installment get deducted smothly for first 2 months and after then on next 3 day i used to get calls from the cholamandalam executive that ECS can not be cleared, Kindly make the payment in cash to our executive. I was having sufficient balance in my account all the time.

When I ask for why it didn't get cleared, the answer I got that there is some technical fault through which we are getting issue and it will not happen next month, your money will get deducted through ECS after words.

Again on the 4 and onwords months I got call from the executive that ECS is not cleared and please make the payment in cash. I have filled ECS form again for 2 times in hope all this technical fault will get cleared but no luck

Now my all the installement are cleared. Now when I ask for my NOC they asking me for additional money of Rs 3500 for the latepayment which is not my fault.

This is due to their technical fault or whatever from their end.

I have a kind request to please Provide me my vehicle NOC ASAP.

If my request is not going to fullfill within a week span time im going to ask for the componsation of Rs 6000

Kindly send me the NOC at my address which is with you.

DEAR SIR,
I WANT TO BRING A URGENT NOTICE TO YOU THAT I HAD JOINED AS A SR.EXECUTIVE-MARKET(HE) IN UR COMPANY ON DATE 05/02/2008.I WORKED WITH MY BEST EFFORTS IN YOUR COMPANY.BUT ON DATE 30/10/2009 I HAD RESIGNED FROM YOUR COMPANY.MY ACCEPTED RESIGNATION NUMBER IS R-699. BUT AFTER SEVERAL FOLLOW-UP THE HR-DEPT PUSA ROAD DELHI IS NOT GIVING MY FINAL CLEARANCE FORM & NOT START THE PROCESS OF MY PROVIDENT FUND...

"chennai, crc" <[protected]@rbi.org.in>
cc [protected]@rbi.org.in,
[protected]@rbi.org.in,
[protected]@rbi.org.in,
[protected]@rbi.org.in,
[protected]@rbi.org.in,
[protected]@rbi.org.in,
Help Desk Mumbai <[protected]@rbi.org.in>,
[protected]@choladbs.murugappa.com,
"Chennai, DNBS" <[protected]@rbi.org.in>,
[protected]@rbi.org.in
date Thu, Dec 31, 2009 at 1:28 AM
subject Re: FW: Personal Loan (XSEGKLN[protected] - MEENAKSHI SUNDARAM MURUGAPPAN RAMASWAMY)
mailed-by gmail.com
hide details 1:28 AM (0 minutes ago)
This is the 4th such email that I am receiving from RBI, but, in vein no action. What the hell is happening with the governing authority. NO help and no USE.

Ask Samir who had sent a similar email 2 months ago???? ALL FOR NOTHING???????? WHAT THE HELL IS HAPPENING? THIS IS HEIGHT OF IDIOCY. THIS IS POSTED IN ALL CONSUMER FORUMS AND PROTECTION ACT.

THAT RBI EVEN CANNOT ACT.

I NEED THIS RESOLVED ASAP.

I NEED A RESOLUTION FOR MY PERSONAL DETAILS SACRIFICED AND THE RUN AROUND THAT I HAVE BEEN GIVEN FROM ALL.

THANKS, NEXT EMAIL WILL BE TO THE MINISTRIES OF INDIA AND ALL FINANCIAL INSTITUTIONS.

ALSO A COPY TO ALL CONSUMER PROTECTION WORLDWIDE.

THIS WILL BE MADE PUBLIC TO ALL IN THE WORLD OF HOW AN INDIAN GOVERNMENT CAN FUNCTION.

THANK YOU
- Show quoted text -
--
I remain,
Meenakshi Sundaram
[protected]M)
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<[protected]@RBIEXCH02.RBI1.rbi.org.in>
Date: Thu, 31 Dec 2009 01:28:09 +1100
Message-ID: <b711af8e[protected]p63307ac9ldc82b[protected][protected]@mail.gmail.com>
Subject: Re: FW: Personal Loan (XSEGKLN[protected] - MEENAKSHI SUNDARAM
MURUGAPPAN RAMASWAMY)
From: Meenakshi Sundaram <meenakshisundaram.[protected]@gmail.com>
To: "chennai, crc" <[protected]@rbi.org.in>
CC: <[protected]@rbi.org.in>, <[protected]@rbi.org.in>, <[protected]@rbi.org.in>,
<[protected]@rbi.org.in>, <[protected]@rbi.org.in>, <[protected]@rbi.org.in>, Help
Desk Mumbai <[protected]@rbi.org.in>, <[protected]@choladbs.murugappa.com>,
"Chennai, DNBS" <[protected]@rbi.org.in>, <[protected]@rbi.org.in>
Content-Type: multipart/alternative; boundary="0016e64beaeea0e361047bf2f24d"
X-Brightmail-Tracker: AAAABAr+n9QSRh4PEkbwrxJHBsM=
Return-Path: meenakshisundaram.[protected]@gmail.com

Final-Recipient: rfc822;[protected]@rbi.org.in
Action: failed
Status: 5.1.1
Diagnostic-Code: smtp;550 5.1.1 RESOLVER.ADR.RecipNotFound; not found

Final-Recipient: rfc822;[protected]@rbi.org.in
Action: failed
Status: 5.1.1
Diagnostic-Code: smtp;550 5.1.1 RESOLVER.ADR.RecipNotFound; not found



[protected] Forwarded message[protected]
From: Meenakshi Sundaram <meenakshisundaram.[protected]@gmail.com>
To: "chennai, crc" <[protected]@rbi.org.in>
Date: Thu, 31 Dec 2009 01:28:09 +1100
Subject: Re: FW: Personal Loan (XSEGKLN[protected] - MEENAKSHI SUNDARAM MURUGAPPAN RAMASWAMY)
This is the 4th such email that I am receiving from RBI, but, in vein no action. What the hell is happening with the governing authority. NO help and no USE.

Ask Samir who had sent a similar email 2 months ago???? ALL FOR NOTHING???????? WHAT THE HELL IS HAPPENING? THIS IS HEIGHT OF IDIOCY. THIS IS POSTED IN ALL CONSUMER FORUMS AND PROTECTION ACT.

THAT RBI EVEN CANNOT ACT.

I NEED THIS RESOLVED ASAP.

I NEED A RESOLUTION FOR MY PERSONAL DETAILS SACRIFICED AND THE RUN AROUND THAT I HAVE BEEN GIVEN FROM ALL.

THANKS, NEXT EMAIL WILL BE TO THE MINISTRIES OF INDIA AND ALL FINANCIAL INSTITUTIONS.

ALSO A COPY TO ALL CONSUMER PROTECTION WORLDWIDE.

THIS WILL BE MADE PUBLIC TO ALL IN THE WORLD OF HOW AN INDIAN GOVERNMENT CAN FUNCTION.

THANK YOU

On Wed, Dec 30, 2009 at 5:05 PM, chennai, crc <[protected]@rbi.org.in> wrote:

Dear Sir

We forward this e-mail to you for necessary action. Please do the needful in the matter under advice to this department.

Regards

K Santhakumar
Asst.Gen.Mgr
DAPM, RBI,Chennai
________________________________
From: Regional Director, Chennai
Sent: Wednesday, December 30, 2009 9:45 AM
To: Chennai, Help; chennai, crc
Subject: FW: Personal Loan (XSEGKLN[protected] - MEENAKSHI SUNDARAM MURUGAPPAN RAMASWAMY)



From: Meenakshi Sundaram [mailto:meenakshisundaram.[protected]@gmail.com]
Sent: Tuesday, December 29, 2009 10:14 PM
To: CRMHO-PL
Cc: Sarkar, Samir; Chennai, DNBS; [protected]@choladbs.murugappa.com; Help Desk Mumbai; Help DBOD; [protected]@rbi.org.in; Regional Director, Mumbai; [protected]@rbi.org.in; Chennai, Help; Regional Director, Chennai
Subject: Re: Personal Loan (XSEGKLN[protected] - MEENAKSHI SUNDARAM MURUGAPPAN RAMASWAMY)

Hello,

Please refer to your below letter dated 23/12/2009 with the following information and the name of the people whon you have copied the letter to:

Mr. Ashoklal G N
Dy - Corporate Legal

CC To
Mr. Ssamir Sarkar
Manager
Reserve Bank of India Chennai,
Department of Non Banking Supervision
Fort Glacis, Rajaji Salai, Chennai-1
: With reference to your letter No. DNBS (Che) CMD / 2155 / 13.09.001 / 2009 - 10 dated 21/11/2009 - we have given your reply to the complaint. This is for your information and records.

CC To
Mr AK Das,
Assistant General Manager
Reserve Bank of India Chennai
Department of Non Banking Supervision
Fort Glacis, Rajaji Salai, Chennai-1
With reference to your letter No. DNBS (Che) CMD / 2155 / 13.09.001 / 2009 - 10 dated 21/11/2009 - we have given your reply to the complaint. This is for your information and records.

First and foremost:Mr. Ashoklal, ARE YOU FIT TO BE IN T HIS POSITION. Please refer to my email below which was a complaint raised to RBI. This was regarding my personal banking information sacrificed to a third party. HOPE YOU UNDERSTAND SIMPLE ENGLISH. IS THAT SIMPLE ENOUGH FOR YOU TO UNDERSTAND???????

This is testing my patience and as you had rightly referred this email started with October, yes October. And RBI too is acting SOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO quick.

Where is my concern being answered regarding the complaint? Are you satisfied with the response and how dare you copy this response to RBI your governing authority for nothing. Please review if you are fit to be in this position.

Now you start all crap stating that my account was in default. This doesnt mean that you can sacrifice my personal detail to any third party. Please provide us with your office colleagues phone number, I will call them and do the same of what you did to me, then you will realise. SORRY TO BE PERSONAL. But please understand being at a legal position.

MY CONCERNS HAVE NEVER BEEN ANSWERED AND I DO NOT ACCEPT YOUR REPLY BY ANY MEANS.

NOW I need a compensation of Rs. 2 lacs (YES RUPEES 2 LACS) for the run around that you have given me and by RBI.

PLEASE REFER TO MY EMAIL BELOW WHICH I HAD SENT YOU AS A COMPLAINT. THIS IS WHAT YOU HAD REPLIED FOR. ABSOLUTE NEUSENCE AND IDIOTIC REPLY THAT I WOULD CONSIDER IT AS IN MY BOOK. I AM SURE ALL THE PEOPLE THAT I HAD COPIED THIS EMAIL TO, TOO WOULD BELIEVE HOW MEAN YOUR REPLY IS TO MY COMPLAINT WHICH WAS RAISED 2 MONTHS AGO.

ALSO A NOTE: THERE WERE SEVEN CHECKS COLLECTED FROM ME OUT OF WHICH ONLY 4 WERE RETURNED. WHERE ARE THE REMAINING?????????????????????? ENJOYING??????????

I UNDERSTAND THIS IS NOT ONLY HAPPENING WITH ME, THIS IS WITH ALL CUSTOMERS OF CHOLAMANDALAM. PLEASE BEWARE RBI. PLEASE BAN THIS ORGANIZATION. EVEN THE LEGAL PEOPLE AT SUCH HIGH LEVEL ARE IRRESPONSIBLE. ATROCIOUS, MY GOODNESS GRACIOUS, HOW DARE YOU CAN SEND ME THIS LETTER COPIED TO RBI.

PLEASE CALL ME ASAP AND A COMPENSATION CHEQUE OF RS. 2 LACS ISSUED TO ME IMMEDIATELY. IF THIS IS DELAYED BY YOU OR RBI I WOULD WRITE TO THE MINISTRIES AND CONSUMER FORUM. IF THIS IS DELAYED MY COMPLAINT TO THE MINISTRIES OF INDIA AND CONSUMER PROTECTION WILL BE AT THE COST OF YOUR ORGANIZATION AND INTEREST ON TOP OF IT.

A COPY OF THIS EMAIL IS ALSO SENT TO CONSUMER PROTECTION, MUMBAI.

PLEASE RUSH MY COMPENSATION CHEQUE ASAP. I DO NOT WANT TO HEAR ANYTHING ANYMORE FROM ANY OF YOU.

CRAPPY ORGANIZATION GOVERNED BY A VERY SLOW GOVERNING AUTHORITY WHO IS LEAST BOTHERED ABOUT HELPING CUSTOMER, WHO ARE OF COURSE TAX PAYERS REGULARLY.

FYI: YOUR CUSTOMER SERVICE MANAGER CALLED ME 2 MONTHS AGO AND AGREED THAT THE PERSON WHO SACRIFICED MY PERSONAL DETAILS TO A THIRD PARTY WAS SACKED. THIS PERSON WAS A LADY WHO WAS 6 MONTHS OLD AT YOUR COLLECTIONS AND SHE WAS SACKED BECAUSE OF THIS. BUT THIS DOSENT SERVE ME AT ANY COST.

YOU RUINED MY REPUTATION IN MY COMPANY THAT TOO IN FRONT OF A RECEPTIONIST. WHY DONT YOU GIVE ME YOUR RECEPTIONIST's TELEPHONE NUMBER. I WILL MAKE SURE YOU ARE CALLED AND INSULTED AS WELL AS YOU DID TO ME.

Hoping to hear from you soon.

Meenakshi Sundaram
[protected]

On Sat, Nov 7, 2009 at 1:32 AM, Meenakshi Sundaram <meenakshisundaram.[protected]@gmail.com<mailto:meenakshisundaram.[protect...⇄ wrote:
Thank you.

As your Bank has agreed that you had disclosed my personal information to a third person, I hereby request for a compensation of Rs. 1,00,000 (yes, one lakh rupees only).

This was also confirmed vide a call from your Customer Service Manager, Mr. Gopalakrishnan. He had called me at my office today and apologized for the same. He added that the call was listened to and the concerned person from collections who was 6 months old was sacked.

This is a valid enough proof that my personal details was shared with a third person, which your Bank does'nt have any rights to do.

If my claim is not settled ASAP, a formal complaint will be launched with Banking Ombudsman. The complaint will also be launched with a consumer forum for violating rules as your Bank gave me a BIG run around. I am awaiting a decent settlement else your Bank will have to repent for your mistake.

Thank you for agreeing for such a HUGE blunder.

FYI: the information which was told my receptionist was, "Meenakshi Sundaram has a personal loan with us, please ask him to maintain a balance of Rs. 2462 in his bank account for the EMI for the month of November against the personal loan he has availed with Cholamandalam".
Adding to this surprise, my receptionist conveyed this to me in front of 10 people at my office.

PLEASE REVERT ASAP.

On Fri, Nov 6, 2009 at 9:49 PM, CRMHO-PL <[protected]@choladbs.murugappa.com<mailto:[protected]@choladbs.murugappa....⇄ wrote:
Dear Mr.Meenakshi Sundaram,

As per our telephonic discussion, we wish to inform you that the call received at your office number was our gentle EMI reminder call which is applicable for all the loan accounts that are live in system , as a privileged customer you always have a choice of denying that service, as long as there is no default in the account .

Please be informed that you have been informed by our branch personnel at the time of your foreclosure, to place a stop payment to your next EMI as the account was expected to be closed only after the banking cut off and apparently you have acknowledged and agreed on the same, Hereby we wish to inform you that your loan account has been closed in our records on 27.10.09.

Further, from your mail we understand that you claim that a collection executive had disclosed your personal loan details to an unauthorized person in your number. In this regard, we are investigating on the issue by retrieving the voice file.

We sincerely apologize for any inconvenience caused to you in this regard , Should you require any further assistance please call us at our Toll free Number[protected] or[protected] or write us at [protected]@choladbs.murugappa.com<mailto:[protected]@choladbs.murugappa.com&...⇄

Thanking you and assuring you of our best services at all times.

Thanks and Regards,


Executive
Customer Relationship Management.
Cholamandalam DBS.

________________________________
From: Meenakshi Sundaram [mailto:meenakshisundaram.[protected]@gmail.com<mailto:meenakshisundaram.[pro...⇄
Sent: October 25, 2009 12:26 AM
To: Shruti Srivastava-Area Operations Manager-Mumbai-CholaDBS
Cc: Customer Care-CholaDBS
Subject: Comedy of serious errors

Hello,

Ref #:XSEGKLN[protected]

I had a personal loan with your Bank which has been pre-closed recently. The check has cleared the Bank and I have a receipt for the payment made.

Today, I received a call from your Bank at my office telephone number –[protected]. The call was regarding a remainder of my EMI for the next month, which is due on November 5, 2009. The reason for me to lodge a complaint is because of two reasons.

1.I should have never received this remainder call as the account is pre-closed. You were very prompt in taking the money out of my account immediately. After the money being taken out, I receive a remainder call for the next EMI which is not due at all.
2.This is the most worrying part as the call was attended by the receptionist. The person who had called should have asked for me and spoken to me regarding this. The receptionist had answered that Meenakshi Sundaram (ME) is not available at his extension currently. The person who spoke from your Bank had told the receptionist that my EMI is due on November 5, 2009. Please ask him to have sufficient funds in his account for the personal loan. The person has also told the amount as Rs. 2462/-.

This is ridiculous and painful. A Bank cannot disclose my personal information to anyone and that too at my office. I need a couple of things and I am asking very politely.

Firstly, find out the person who called me today at around 11.00 a.m. and take necessary / corrective / disciplinary actions to avoid this.

Secondly, compensate me with Rs. 5,000/- immediately. I mean it, YES, FIVE THOUSAND rupees. If this is not considered seriously at your Bank, a formal complaint will be lodged in the police station and a consumer forum for a Bank disclosing my personal and banking details to a third person without my consent. With this complaint, time and the effort that I have to take, the compensation amount that I will quote in consumer forum is Rs. 20,000. The choice is yours.

Please revert ASAP and if you are not the right person, please provide the respective authorities phone number and/or email address.

If this is not resolved in 5 business days, the above said complaint will be lodged with the mentioned authorities and a copy will be sent your office and Banking Ombudsman.

Thank you



--
I remain,
Meenakshi Sundaram
[protected]M)
[protected]O) (Extn: 207)
[protected]R)



--
I remain,
Meenakshi Sundaram
[protected]M)
[protected]O) (Extn: 207)
[protected]R)



--
I remain,
Meenakshi Sundaram
[protected]M)

________________________________
Notice: This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you are not the intended recipient, any dissemination, use, review, distribution, printing or copying of the information contained in this e-mail message and/or attachments to it are strictly prohibited. If you have received this email by error, please notify us by return e-mail or telephone and immediately and permanently delete the message and any attachments. The recipient should check this email and any attachments for the presence of viruses. The Bank accepts no liability for any damage caused by any virus transmitted by this email.



--
I remain,
Meenakshi Sundaram
[protected]M)

The message below has been sent 3 (Three) times to the said organisation, but so far nobody has even bothered to make a curtsey call.

Sir,

I had taken a Home Equity loan of Rs. 50 lacs vide agreement no.X0HELIN[protected] disbursed on 07.07.08 with an agreement of 2% forecolosure charges with an enhancement of Rs. 20 lacs in March.09. The enhancement is enough to show my good credententials and a good maitenance my credit. But when I cleared my loan in Sep.09, I was pained to note that such credit was not maintained from your side and I was charged 4% as foreclosure charges. Such a treatment was just not understandable at all. I have a very strong feeling that I was being penalised for maitenaning my account in a perfect and impeccable manner. This is something totally unjustified and against the terms and conditions of the loan agreement. This is also likely to affect any future relationships and endorsements as well.

Kindly refund the excess charged amount from me in this regard at the earliest so as to avoid any future unpleasantness.

I hope for an early and favourable response from your side.

Sincerely,

Raman Trehan
362-L, Model Town, Ludhiana
M-[protected]

Dear Sir,

Kindly see the below mail...I havent recieve my money from last 8 month & everyday they bluff about my money...

Plz help.

Regards,

Ajay Dubey.

On Thu, 20 Aug 2009 12:50:56 +0530 Shylaja P-Manager-Payroll & Compliance-CholaDBS" <[protected]@choladbs.murugappa.com>
wrote
>


Dear Ajay

Am once again reiterating that the delay
was not on account of the company, the trust moved to RPFC from an exempted
trust to unexempted trust, the accounts completion and the procedure took us
nearly a year to complete.



We are interacting with the authorities
almost every day and assure you that they have started on the settlements.



By middle of Oct09 we expect your pf to be
credited into your account



regards











From: ajay
kripashankar dubey [mailto:[protected]@rediffmail.com]
Sent: Thursday, August 20, 2009
12:33 PM
To: Shylaja P-Manager-Payroll
& Compliance-CholaDBS
Cc:
[protected]@choladbs.murugappa.com;
Subject: Re: Re: RE: Re: RE: Re:
Re: Re: RE: PF AMOUNT







Dear Mam,

Kindly confirm me on maail that when i am getting my PF amount ,& if i am
not getting now then what it is the reason that i am unable to get my money
from last 10 month...& also i am unable to pay the EMI of chola Dbs
personal loan of Rs 2 lac from sept0-,as i dont have job & money both...if
i am getting my PF amount then only i am in position of paying the EMI...

Every day i have waited for this money..you guys cant ditch me like this.

Regards,

Ajay Dubey.

On Tue, 18 Aug 2009 14:11:16 +0530 wrote
>
>
Mam,
>

>
Now what ....last week you told me that everything is done & monday the
cheques will prepare & it will get deposit on tuesday i.e 18th...last week
i have not called you ...but 2day again you are telling me to hold for month
end...wht kind of promise u are making with me ..& why should i contect PF
officers...its getting completed almost a year...everyday i am waiting for my
money....finally wht i am geting from ur side its only false promises...i cant
hold now....as the limit has crossed.............
>

>
I am going to do wht i have decided...if this money costing my life...so lets
give my life for this...but ill make sure that my family get this money...........
>

>
Regards,
>
Ajay Dubey.
>

>
On Tue, 18 Aug 2009 14:02:43 +0530 wrote
>
>
>

>

>

>
Dear Ajay
>

>
Have been interacting with you and always
>
you are the one who is always giving dates and time to me, I agree I gave you
>
last month end as I got the assurance from the commissioner stating so, today
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also the commissioner had requested for some more information which I will be
>
submitting tomorrow to the pf authorities.
>

>

>

>
Since we have moved our trust account to
>
RPFC Chennai, there was lot of issues with the controlling authority to
>
be sorted out. WE have finally managed to close almost all issues with
>
them recently and the process of settlement is started now. WE shall
>
try and get your settlement as early as possible
>

>

>

>
Delay was mainly due to the fact that the
>
RPFC themselves were not clear about the process to be adopted for moving the
>
entire accounts. In each and every stage they took lot of time and until
>
they closed all issues, they refused to accept settlement forms. We made
>
some commitments based on the assurances given by them. Finally the
>
matter has come to and end after a 2 year ordeal.. In case if you have
>
any doubts on this, you may contact RPFC Chennai. We are trying
>
our level best to resolve all issues and ensure smooth processing of all
>
settlements going forward.
>

>

>

>
Please do not pressurize me as you very
>
well know that the authorities are the deciding factor for all settlements.
>

>

>

>
You have waited patiently for so many
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days, please hold on until this month end.
>

>

>

>
regards
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>

>

>

>

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>

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From: ajay
>
kripashankar dubey [mailto:[protected]@rediffmail.com]
>
Sent: Tuesday, August 18, 2009
>
11:20 AM
>
To: Shylaja P-Manager-Payroll
>
& Compliance-CholaDBS
>
Cc:
>
[protected]@choladbs.murugappa.com
>
Subject: Re: Re: RE: Re: Re: Re:
>
RE: PF AMOUNT
>

>

>

>

>

>

>
Dear Mam,
>

>
Till now nothing has been credited in my account....& I am already fed with
>
this & my life...so if i didnt got my money by 2day evening,i will sucide
>
& chola dbs will be responsible for this...i will do this as i cant see bad
>
condition of my family...10 month still i & my family crying,begging for
>
,my own money...no job in hand but still i am paying EMI of CHOLA DBS...but no
>
one is helping me from company side....
>

>
I am writing this mail with fully stable mind....if anything happen in future
>
regarding my life...the cholamandalam DBS finance & HR team of same company
>
is responsible for this.
>

>
I will wait till mid-night 2day for my PF money...& then do whatever my
>
mind say..as now i cant see my family condition....which the company is unable
>
to notice.
>

>
Regards,
>

>
Ajay Dubey.
>

>

>
On Mon, 17 Aug 2009 13:21:56 +0530 wrote
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>but....the point is i will get my money 2day...as per inform by you...
>
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>
>
>
Regards,
>
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Ajay Dubey.
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On Mon, 17 Aug 2009 12:06:12 +0530 wrote
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Shall be going to the pf office today
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afternoon, shall revert to you
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From: ajay
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kripashankar dubey [mailto:[protected]@rediffmail.com]
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Sent: Monday, August 17, 2009
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12:00 PM
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To: Shylaja P-Manager-Payroll
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& Compliance-CholaDBS
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Subject: Re: Re: Re: Re: RE: PF
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AMOUNT
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Dear Mam,
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I hvnt recieve any mail from ur
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side....
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Request for ur
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kind revert...
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Regards,
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Ajay Dubey.
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On Mon, 17 Aug 2009 09:14:18 +0530 wrote
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>Dear Mam,
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Hope 2day as per ur
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confirmation the PF amount cheque will prepare & it will get deposited in
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my a/c.
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Request for follow up & atleast if ill get the cheque number.
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Regards,
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Ajay Dubey.
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On Mon, 10 Aug 2009 11:30:04 +0530 wrote
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>Dear Mam,
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As per our discussion...you have told me to call me Monday...
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& u will tell me the confirm date for my PF amount...Hope i am getting my
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money in this week only....enough i have cried for my own money...but now i
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need this at most urgently....
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Request ur
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Regards,
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Ajay Dubey.
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On Thu, 06 Aug 2009 17:22:13 +0530 wrote
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4 DAYS TO GO MAM FOR MONDAY.........WILL ONLY GIVE U CALL ON MONDAY....HOPE
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THIS TIME I WILL NOT DISSAPPOINT.........
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REGARDS,
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AJAY DUBEY.
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On Tue, 04 Aug 2009 16:17:47 +0530 wrote
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Dear Ajay
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Will ensure that your pf claim is
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processed at the earliest, if I keep pressurizing the pf authorities, they get
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angry and they shout, therefore, we have to go in their way only
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From:
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ajaykripashankardubey [mailto:[protected]@rediffmail.com]
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Sent: Tuesday, August 04, 2009
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4:08 PM
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To: Shylaja P-Manager-Payroll
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& Compliance-CholaDBS; [protected]@choladbs.murugappa.com
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Subject: Re: PF AMOUNT
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Dear Shylaja Mam/ Bala Sir,
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Request you to plz help me....I am running Loan from Choladbs...but till now i
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have never bounce my EMI also will not do it in future whether i am having
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money for buying food or not...I am paying this EMI becoz this company has
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given me lots of thing...I dont have to proof anything ....but i am just asking
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for my money.....
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Request you to plz help me....if it is posible i can issue cheque in the name
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of chola dbs for the same amoount of PF.....but arrange for my fund...its very
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very urgent for me.&
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i need this by 2morr.I will be very thankfull to both
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of you in my whole life..
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will wait for ur
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positive revert...
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Regards,
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Ajay Dubey.
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On Mon, 03 Aug 2009 17:33:11 +0530 wrote
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>Dear Mam,
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>It has been from last 10 month that i am begging & crying for my own
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money....but nothing is happing from choladbs side,you know very well that i
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dont have job from last 9 month...& I require this money on a very urgent
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basis....but till now i am dissappointed.....1st it was about to come in the
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month of MAY....then u told me june ,surely u will get ur amount,finally when
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its not come in the month of june then u have given 100% surity that i will get
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it in the month of july by 5....but nothing has come....agian u told me 30th
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but nothing has come.....
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>PLz Mam/BALA SIR.....i Beg you for my money as now i cant wait more....I
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need my money by 2mnorr.
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>Request you to plz help me .....i am in very bad condition......plz for god
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sake.....
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>Bala Sir,
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>Hope for ur
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kind help.
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>Regards,
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>Ajay Dubey.
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Hello! account no: XSEGHIM[protected]
i made many attempts to get loan cleared certificate from cholamandal dbs finance company in hyderabad but faild in vain.I belive that the company closed down their personal loan operation, even when they shut down theiro perations they must do their proper communication to all the costumers but they did not do that.I applied for a home loan wiht anohter loan compnay but they are asking me the loan cleared certified from chola dbs since they the compnay is not reponding my calls, emails, personal appreance to their office in hyderabad am unable to get the home loan.

looks like the cholamandalam company need only their money and intrest they are not bother do to any further formalites to their customer whom pay their dues on time..

I cleared my loan al most 3months before with out any bouncing or delay in my payments, idont understant why the comnpany is not value their good customers.
i request the concern department to courier my loan cleard letter to my new addres follws.
prithviraj ramaswamy
steps dance stuido
8-2-675/1/b plot no 16
roadno13 banajrahills
hyderabad-34
a.p
ph[protected]
cell [protected]
thanks
cheers
prithviraj

Dear Sir,

This mail is in regard to the Renewal of Motor Insurance Policy, which was already with Cholamandalam MS General Insurance. I am having a Hyundai Santro Xing Car, having registration Number DL 3CAL 6719. My wife is the owner of the car. The policy was supposed to renew on 14th May 2009. On first instance against cover note a cheque of Rs. 7279 was issued. By any means cheque bounced and the same was intimated to us. Again new cover note bearing number 7573294 was issued to us after having the vehicle inspected by the authorised agency agent hired by Cholamandalam MS General Insurance. For the same Demend Draft of Amount Rs. 7279/- issued by Central Bank of India was given to the insurance agency. Since the cover note was issued by Faridabad Branch. One more thing I would like to mention here, is that cover note issued is bearing date 22.05.09, whereas bank draft is valid from 23.05.09 to next six months. Now almost 60 days are over and I have not received Insurance Policy. For the same I have spoken to their executive many times.
Now for more than 60days I am running my vehicle without valid policy.
I feel that this is the case of deficiency of basic customer service by the agency. ANd even negligience on promise, where as the company initiated to approach me to avail their services.

I would like to know who is bearing the mental harrasment and waistage of time everyday staying in touch with them to know the status of policy to be issued.

Is there any helpdesk for the same to eradicate my problem with the insurance company.

Hoping to get positive response and feedback for the same.

Thanks and Regards,
Gurpreet Sodhi

Ref No.: 9018/JDO/02-09/316

Date: July 8, 2009

To
The Concerned Officer
INDIA

Re: Harassment and threatened by CHOLAMANDALAM DBS Finance LTD.

Dear Sir,

I had availed a Personal Loan from Cholamandalam DBS Finance Ltd., on 30/05/2008. My first installment was presented in the month of July 5, 2008. Since then, on every 05th of each month, the monthly...