[Resolved]  Bajaj Finserv — Fraudulent Practices in charging extra money

Address:

North 24 Parganas, West Bengal

I have availed a consumer loan from Bajaj Finserv through my local Electronics Dealer to purchase a TV in 2011 January. As discussed with my Dealer M/s.Wide Vision at Lake Town Jessore Road, Kolkata the EMI amount was Rs.2025 for 8 months. After 2-3 days I got a sales promo call from Allianz bajaj for an insurance product which they wanted to add to my installment amount. The product attracted an additional burden of Rs.199 to me, hence I refused for the insurance product. My monthly EMI of Rs.2025 was duly collected vrom my residence every month for which I have all the EMI receipts with me as a proof of my payments. After few months Bajaj Finserv from Kolkata Park Street office called and says that I have a due against a loan amount which has to be resolved. I said that since I have all payment receipts, pls send your Executive to my residence so that we can tally the same, but no one came. On the 6th of March 2013, I got a call from Tis Hazari court Delhi that my total outstanding amount is Rs.22,592 against the loan and I have to deposit the same to Bajaj Finserv's Salt Lake office at Kolkata to settle the matter out of court other wise I was warned that i will be arrested and put behind the bars since they have sent me several notices. I replied that I have not received any legal notice and since I am not aware of the case pls let me know the details. After talking to Advocate A.K.Sharma, he gave me the above address and the name of the Bajaj Finserv official Mr.Shubendu Mahapatra to whom I had to deposit the money. Under mental stress and pressure created by them,I went and deposited the money on 6th of March 2013. Dear Sir at the end of the day, I want to ask only one question that as a consumer where do I stand? In this process the company tried to sell an insurance product to me and tagged the same to my loan account and on my refusal do I have to pay such a heavy price? This shows that we do not have any democracy and we as consumers are always fooled and cheated by such companies on irrelevant grounds, which creates a mental, financial and moral pressure on people like us. At the end I would only request that if possible please try to resolve my problem as I have been fraudulently cheated by the company. Regards, Debashish Dasgupta