[Resolved]  Bajaj Finserv Lending — Cross sell loan

Address:

West Bengal

Dear Sir / Madam,

I have taken cross sell loan from bajaj finance and I pay EMI monthwise regularly. I made an agreement with bajaj finance that I will pay the amount through ECS every 5th of the month on the basis of my salary. But all of a sudden, my salary date has been changed and it is paid irregularly means the date is not fixed due to which i cant pay through ECS. I had a call from Bajaj finance last 9 months back and i told them my problem and requested them to stop ECS and I will pay in cash every month. I also asked them if i have to do anything to stop ECS. They told me that they will look into this matter and will stop my ECS payment. Alternatively they will send their executives to collect payment through cash at my home. From that day onwards they are sending their persons to my place to collect the paymant. Unfortunately yesterday i.e. 7.8.13 I thought to look after my statement. I saw that consequitive 9 months bounce charges of rs. 350/- has been charged in my account. I am paying my instalment regularly through cash in the name of Bajaj Finance Ltd. I also asked them how much I have to pay to close my account. They told me that I have to pay 38,986 including bounce charges. Although i have paid more than 28000/-, i am not be able to understand how could they charge such an amount. Is this my fault????My loan account no. is 4100PL00268940 and my amount sanctioned was 46000/- from which 42000/- have been disbursed. I have no option because i cant pay so much. When i am paying regularly without any defaulter why should i pay so much? I would request you to help me in this matter and i should have proper clarification as why they have done such a blundered to me.

Would appreciate to have your quick response in this regard.