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Axis Bank — Car Loan

Hi...

Axis Bank is one of the work banks I have been assoicated with. Customer care virtually does not exist !! There is no number where you can actually dail into and speak.
I purchased a Car, and Axis bank has provided finance to it. I signed ECS. It is now 5 months, and they have not got the ECS right. Last month, a Collection agent called me for the 3 months due money. And they claim that I am a defaulter.
I wrote a mail to the customer care, no response so far.
Question. If ECS does not go thru on a specific date, where there were enough funds in my bank account, then how can they call me a defaulter?
I requested that I should get a call from Bank not Collection agent.
Inspite of all this drama last month. The same continues this month also.
This is a nightmare
Complaint comments  21 Comments     Updated: Share0Tweet0

Comments

Axis Bank, Pune — Regarding Car Loan - Very Bad Service In future I am not going make any relationship with Axis Bank

Hi,


This is Avinash Agarkar


I have taken a Card Loan from your bank through Sai Service,Pune for my Maruti 800 in the month of Oct -07 but still I have not recd. any loan documents from bank, I have no updates from Axis Bank regarding my EMI plan what would be the ECS monthly date.



Last month the EMI had been cut through ECS payment on dated 10-11-07 but this month the ECS made on 5th, I do not have the sufficient balance on that day so the payment was returned and bank had charged me 500 rs.now who will responsible for this ????



- Why you have not given any Loan papers ????

- What is my Car Loan Account no????

- Why you have not asked me the date of ECS payment????

- Where do I call for any Loan related query???

Need proper clarification from Bank on this.....


Thanks,
Avinash Agarkar
hello all,

My father Mr. Ashok kansal has taken a loan of 3lkhs from Axis Bank Noida branch. the EMI is been deducting every month but we have not recieved any legal papers or EMI plan or Car Loan Kit.

Please help me out to solve this problem.

Axis Bank/car loan — irresponsible service

Hi.,

I'm Jithesh. I have taken a car loan from Axis bank cochin branch on oct 2008. The executive as well as one of the lady from the bank called me and confirmed the fisrt installment date (5th of every month which starts from Dec 2008 onwards). Also confirmed that since the advance EMI has been taken from my loan amount, I dont have to make a payment for the month of Nov. Around on 20th of Dec i got a call from collection agency, they told me that my cheque has been bouncd and I've to pay the amount. But i've sufficient fund in my account to pay the installment on 5th of dec. But the executive told me that the due date is on 1st of every month, which is not been communicated with me either by mail or Phone. ICICI has charged me a bounce charge of Rs. 281.00. Also Axis bank has charged me Rs. 562.00 as cheque bounce charge and Rs 128.00 as overdue charges. So I've been charged Rs. 971.00 un necessirily. This is the first time that my ICICI bank account is having a cheque return.

And again in Dec as well as in Jan 2009 I got call from the bank, saying that Nov 2008 payment is due which the bank has previously confirmed me that I dont have to pay it since it ahs been dedcuted from My Loan amount. Also I checked my ICICI Bank statement and found that there is no ECS has been submitted on Nov month from Axis bank. And now they are asking me for an EMI which is not been submitted on Nov month.

I called up the Sales manager as well as OPs/underwritting team. the response which I got is the worst, which I do not expect from a Multi national Bank. They are talking in such a way that they are not resoponsible for it and it is my fault. Again charged Rs 200.0 for over due. Nobody has the curtesy to listen to what I'm telling and al they need is the money, no matter whose problem it is.

Till these days no one has called me to informa abou the change in date of ECS. And I'm gonna take this as a serious issue since I'm having another issue on my credit card with Axis bank...

Please look on to mail and do the need full.

Regards
Jithesh KS
+91-[protected]
I faced similar problems too with Axis Bank, They lure you with saying they have very low interest rates, but it all gets paid off due to their pathetic service. The most Useless bank for car loans. Please do not go for any car loans with Axis Bank. They take all your documents do all the verification and stuff, and at the end they just give pathetic reasons for not approving. . Worst Service.
Dear Sir,

I Mr P.MOHAN had taken a car loan fro Axis Bank for an amount of Rs less than 1 lac in the year 2007.Till today i havent got my loan account no. for the same.I had been to Axis bank thrice relating to this but no one could respond to my problem.My emi of Rs 2288/ is getting tranfered from ICICI bank on 5th day of every month stating as ECS DR/TP Axis Bank/883678 to Axis Bank . Plesae do needful in sending my loan account No.Pertaining not getting the same i will not be layable for any kind of default in future. i once again request you in sending my loan account no. of my car loan, this is in order to close the account by submiiting the rest amount.Please do needful. Waiting for an early and favourable responce.

Thaks n Regards

P.Mohan
Dear Sir,

I Mr P.MOHAN had taken a car loan fro Axis Bank for an amount of Rs less than 1 lac in the year 2007.Till today i havent got my loan account no. for the same.I had been to Axis bank thrice relating to this but no one could respond to my problem.My emi of Rs 2288/ is getting tranfered from ICICI bank on 5th day of every month stating as ECS DR/TP Axis Bank/883678 to Axis Bank . Plesae do needful in sending my loan account No.Pertaining not getting the same i will not be layable for any kind of default in future. i once again request you in sending my loan account no. of my car loan, this is in order to close the account by submiiting the rest amount.Please do needful. Waiting for an early and favourable responce.

Thaks n Regards

P.Mohan
Dear Sir,

I Mr P.MOHAN had taken a car loan fro Axis Bank for an amount of Rs less than 1 lac in the year 2007.Till today i havent got my loan account no. for the same.I had been to Axis bank thrice relating to this but no one could respond to my problem.My emi of Rs 2288/ is getting tranfered from ICICI bank on 5th day of every month stating as ECS DR/TP Axis Bank/883678 to Axis Bank . Plesae do needful in sending my loan account No.Pertaining not getting the same i will not be layable for any kind of default in future. i once again request you in sending my loan account no. of my car loan along with the payment schudule to my yahoo mail id as stated, this is in order to close the account by submiting the rest amount.Please do needful. Waiting for an early and favourable responce.

Thanks n Regards

mail id: [protected]@yahoo.co.in
mob:[protected]

P.Mohan

CAR LOAN — A single paper not recd. from axis bank

Dear Sir,

I JAIKRISHAN SINGH KATHAIT had taken a car loan fro Axis Bank for an amount of Rs 1 lac in the year 2007.Till today i haven't got my loan account no.as well as a single paper for the same. My emi of Rs 3345/ is getting tranfered from ICICI bank on 5th day of every month stating as ECS DR/TP Axis Bank/367559 to Axis Bank for June 2009 . Plesae do needful in sending my loan account No.Pertaining not getting the same i will not be layable for any kind of default in future. i once again request you in sending my loan account no. of my car loan along with the payment schudule to my rediffmail id as stated, this is in order to close the account by submiting the rest amount.Please do needful. Waiting for an early and favourable responce.

Thanking you,
JAIKRISHAN SINGH KATHAIT
[protected]

mail id: [protected]@rediffmail.com
I also took loan from Axis bank in July'07 and till now no papers from bank.
My EMI is getting deducted every month for Rs 10824/-
ECSDR/TP Axis Bank 509919 from ICICI bank
Hi,

This is really pathetic that Axis bank is not having any customer care for car loan and hence the proper informations are not shared. I am also a sufferer after taking car loan from this bank.

I had to get transffered from Orissa to Chennai with a new job and asked for NOC in AXIS bank with the offer letter and company details. But they were really surprised and using foolish logic towards giving NOC on the basis of Company details and proofs.

According to them I have to go back to Orissa after I join in Chennai with my residential address proofs along with company address proof myself and get the NOC from them by hand. While being asked for a written policy or statement they are simply denining the fact and making crazy comments.

Even if, it is not possible to them to produce NOC, if I send the residential address proofs via courier or mail the scanned copy from Channai.

Bank Executives are bahaving such a way that they own the bank and they are the full and final words without any written policy. We have to abide by what they are saying .

Hope this will be rectified soon causing no more harassment for any other customers.

BR//
Even that was happened with me also... What is the hell that is going on with Axis Bank

- Anilkumar
HI MY NAME IS PANKAJ CHAUDHARI EVEN I HAVE TAKEN A CAR LOAN FROM AXIS BANK VIDE LOAN NO. AUO[protected]. MY LOAN IS COMPLETELY PAID 2 MONTHS EARLIER I HAVE SMS FROM AXIS BANK FOR SAME THERE IS NO OUTSTANDING . AXIS BANK IS NOT SENDING NOC FOR REMOVAL OF HYP. THE CUSTOMER CARE NO. DOESNT EXIST AT ALL WRITING COMPLAINTS ARE ALSO NOT WORKING OUT NOT ABLE TO GET CORRECT PERSON EVERYBODY IN AXIS BANK IS PASSING ON BUCKS . SUCH A REDICULOUS SERVICE THEY HAVE .I HAVE TAKEN NEW CAR LOAN FROM MY BANK NOW FOR 36 LAKH RS ONLY BECAUSE OF SUCH SERVICES .NOT RESPONDING TO CUSTOMER WHO HAVE EXCELLENT CREDIT HISTORY OF NOT A SINGLE BOUNCE IN 3 LOANS
AXIS BANK CURRENT auto loan account .AUR[protected]
name .dipak.ramanlal Patel
GUJARAT AHMEDABAD
.BY. EMAIL STATEMENT REQUIREMENT URGENT

i am mail send auto loan statement require 3.time send mail no reply axis bank 3.days time period no receive statement pl help
YOU ARE AXIS CAR CUSTOMER CARE PH.NO NO REPLY NOT CALL
RECEIVE ALL TIME ALL TIME WAITING CALL

NEXT SERVICE NOT PROVIDE I AM COMP LENT RBI
I Mr. Subhadip Nandy of Kolkata, had taken car loan (having CUSTER ID-2140OM61 &
SCHEME-AU-LNAUL, Ref:-A/C No-AU[protected] in the year 2008 for three years duration.I already paid all the 36 EMI (@ Rs.3358/-) through ECS and my last emi paid on 01/11/2011.I took a great hardship getting customercare on line in KOLKATA phone numbers provided to me, and as a result I had to go to kolkata office personaly to collect their Email ID for comunication .I tried to comunicate a number of times through EMAIL for the NOC & A/C Statements (one of the mails is given below) but not received a single reply.This is unwarranted from a financial sector of repute.




From: "Subhadip Nandy"<[protected]@rediffmail.com>
Sent: Thu, 17 Nov 2011 21:07:20
To: "customercare.rac.kolkata "<customercare.rac.[protected]@axisbank.com>
Subject: NOC for repaypayment of all 36 EMI against Car loan /Account statement showing all the installment/interst paid request for

CUSTER ID-2140OM61

SCHEME-AU-LNAUL, Ref:-A/C No-AU[protected]



Dear Sir,
In reference to the above noted A/C number & scheme, I would like to draw your kind attention that I had paid all the 36 EMIs against car loan through ECS (debited from my A/C every month). Last i.e 36th EMI was paid on 01/11/2011.
I would request your good self to send one A/C statement for all the installment and interest paid to my registered address and also NOC from your end.Thanking you in anticipation for an early response from your end.

Regards.
SUBHADIP NANDY
[protected](M)
Hi i am tarakeswar bhattacharya & i have closed my car loan account with Axis bank in 2010 sept. They have deducted an extra EMI during loan closure & have promised the return of the same in 15 days time.Till date i have a long chain of mails to their department without any resolution & i am still awaiting my money back. I am posting this comment for help. someone please help.

regards,

tarakeswar.[protected]@gmail.com
Hi Roopai,

As per your explaination above, the extra EMI is pending to be reversed to you from the last 1.5 years and also you have the frequent emails you have communicated.

I would suggest you reach for the Obsmundam, through I can assure you that the problem will be solved in DAYS time and also you can demand for the Interest and FINE (Compensation) for the error they have committed and postponed the things for about 1.5 years.
.
For details of the Obsmundam, you can refer your loan papers or AXIS bank website, it is the RBI rule that every bank has to give the information of the Obsmundam in their respective websites.
I have take a car loan from Axis bank and I requested for a account stamen from customer support and I am struggiling to get a reply since from 1 week and I can not reach any one in axis bank

Regards
Shesha
[protected]
Hi Mr. Ravi,

I would like to take the node in which AXIS BANK had duped me with my hard earned money and my trust on AXIS BANK. I am a 7 year old customer of AXIS BANK. So when purchasing my first car, I opted for this institution to be my loan provider. All was well for first 2 - 3 months after I had taken the loan, then the scenario changed and inspite of the fact that my billing cycle was 15th of each month, my emi's started getting deducted on an adhok basis (proof can be supplied). I contacted AXIS BANK RAC to know the exact reason, they said there was some issue with the terminal software so it had happened. Ok, being a new comer to the loan exercise I accepted with good faith. For next couple of months, the EMI was getting deducted on 15th and always used to receive a notification on my cell at 8 - 9 am on 15th of each month. Felt satisfied with the change in service.

But again it cropped up the next month, and I was like in a position wherein I got an idea that no point chasing the CC guys, as they are just bunch of doing a stereotype job and misguiding loyal customers. So the system from my side, was like I got least botheration on the emi cycle date as it was just a fake date assigned. In NOV, I became a defaulter following this system and promptly got a call from CC agent that too within 7 -10 days mentioning me that EMI was due, they eagerly asked me that if he send collection agent I can pay the emi from my office without any extra charges. I paid that on time (proof can be supplied).

Then for couple of months it was fine.

Again it creeped up, wherein I was not having available balance in my account and so EMI was not being deducted, though there was no fixed date for intimating that to me. Anyways, I was in touch with my local AXIS BANK BRANCH and stated the issue and in between I received a call from RAC kolkata and as mentioned by them, I can pay in any AXIS BANK BRANCH. This incident happend near about 3 weeks after the so called EMI date. AXIS BANK BKP branch returned me empty handed, stating they are unable to accept my payment as their system is not accepting that, they added they will look into the matter. With this near about 5 days passed and I called RAC and no one picked the phone, so I again visited AXIS BANK BKP branch, they said I need to visit the RAC to get this sorted. After that no one picked up my call neither no intimation, then one ASST manager from AXIS BANK BKP who was a good soul helped me sort this out with his efforts. Then also I was not intimated for any extra charges.

In the month of June, a call came to me from AXIS BANK collection that whether I would like to pay the emi is cash, cheque or ecs. I confirmed them that if its cheque than fine, they confirmed me that they will be collecting it from my side within 15th but they reached me on July surpassing the month for which the EMI was concerned. They added a charge of 562 or something INR. I paid that in cheque. Also intimated that inspite of having balance the JULY emi was not deducted they said they will collect that within two days. The two days made them call me in August, when I was having another emi due..

I dont have any objection paying the emi as that what I had opted for my car. But to ensure smooth hassle free deduction, I feel there needs to be a process to be followed to sustain the customer and his trust which never happend. For the first time I had opted for a loan and the experience was a night mare.

I would like to reiterate that when confirming the loan, I had paid 5 / 6 pdc to AXIS BANK to handle this type of situation. But inspite of that fact, AXIS BANK imposed a erroneous bill of 3000 something as extra charges.

Mr. Kanodia you may be a Front line manager in Axis Bank but a manager is worth value ZERO if he/she doesnt carries an etiquette to acknowledge a customer request for info. I feel being manager you are well aware of RIGHT TO INFORMATION ACT. Based on that I had seeked for clarification of the statement which was being forwarded to me from AXIS BANK (this can be found in this chain of email). After waiting 10 days when I seeked the status of the message there was a threat call the next morning on 26th August 2013 and the person was no other than Mr. Kanodia. I explained him that I need to talk to him so as I was travelling can he call me after an hour, he denied with filthy languages and in the eve of that day I got an alert stating my AXIS BANK A/C had been debited for an amount of 20371.00 INR of whose there is no clarification from AXIS BANK nor MR. Kanodia.

I am fine with the deduction of the emi amount but it would had been with the consent of the consumer, its a theft as per LAW and that too from HOST BANK. Secondly, someone shall not be charged for something for which he is liable for.

I want justice on this and would like to save the citizens from the high handedness of AXIS BANK LTD.


Kind Regards,
D BAGCHI


On Mon, Aug 26, 2013 at 2:15 AM, Dip Bagchi <webguru.[protected]@gmail.com> wrote:
I never received a response from your side on this.. Are you expecting me to include legal enforcement in this for you to respond.. or what else. Kindly let me know.

Regards,
D Bagchi


On Thu, Aug 15, 2013 at 7:19 PM, Dip Bagchi <webguru.[protected]@gmail.com> wrote:
The statement is confusing and I dont agree with the records in place. Would like immediate resolution to this or else I need to escalate the stuffs to the respective authority for jurisdiction.

Thanks
D Bagchi


On Mon, Aug 12, 2013 at 12:28 PM, <cc.[protected]@axissales.in> wrote:
Sir,
Please find the attachment...

Thanks and Regards,

Prasanna Mishra

Binay Bhawan
27 B Camac Street
6th Floor
Kolkata– 7000 16
Contact No.[protected]/50/[protected]
Email: cc.[protected]@axissales.in

In case of any queries, please contact us on[protected],[protected],[protected] OR email us at [protected]@axisbank.com

For any loan account statement requests, you can also visit www.axisbank.com -> Products ->Loans -> Online request for Loan A/C Statement

Please do not modify subject line while replying to this email
Every month my car loan is getting dedcuted from 3 year. I dont have a loan no, nor i know which axis bank the loan was processed . Can you please let me know whom i need to contact - since my loan is completed i gues and i need my closure letter .


ECS DEBIT PAID Paid to TP Axis Bank Ltd:1109639:TP AXIS BANK LTD Refno:[protected] Ref No :- [protected]

Interest Certificate(F.Y. 2014/15) for Income Tax

SIR, PLEASE SEND MY HOME LOAN A/C NO.PH[protected] PROVISNOL CERTIFICATE OF YEAR-2014-15 FOR INCOME TAX DETAI, THROGH MY EMAIL ID. [protected]@yahoo.co.in quickly GHANSHYAM BABULAL MODI

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    Customer satisfaction rating
    42%
    Complaints
    9685
    Pending
    458
    Resolved
    3926
    phone
    +91 22 2764 8000
    location
    Axis Bank Limited Corporate Office, Bombay Dyeing Mills Compound, Pandurang, Budhkar Marg, Worli, Mumbai, Maharashtra, India - 400025