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[Resolved]  Bajaj Finserv Lending — Wrong Loan Mapped and CIBIL Defaulter

Hi Team

I am Writing this due to mismanagement done from BAJAJ Fin Serv lending as an unidentified purchase of Personal computer is showing in my loan account. As per the details the unidentified loan which does not belong to me was taken on[protected] and has not been paid , at that time i was doing my studies and does not have any Bank Accounts. They have mapped this wrong loan into my Bajaj Fin Serv Lending account last year and has also added me in the defaulters list in CIBIL. I Got to know this when various application for credit card was getting disapproved / Rejected and i went to one of the bajaj executive for a personal loan for a television then he told me that you already have a loan going on your account and you have been added in defaulters list as well .I Emailed all the details on December 11 , 2012 but no action was taken from their side till now as the unidentified Loan Account is till showing in my Bajaj Finserv Account User ID : 1226512.
They Only replied by saying that due to their system error the wrong loan was mapped and due to technical reasons they cannot remove unidentified Loan .Due to their blunder mistake i have faced various Financial as well as personal losses. I have sent them many emails but nothing was done to help me and on my last email which was on 27th Feb 2013 i asked them for physical copy of NOC but they didn't replied on it. .I can provide you all the proof from bajaj Fin serv stating that the above error was done by their system error and they have apologize for all the problem but i asked them for a hard copy of NOC and solution for the problem as i cannot apply for any credit card or loan.

Please help me on this as i am feeling helpless as BAJAJ is not helping me on this and i cannot apply for any new loans or credit card.I have suffered many losses and need help on the same

Below is the snapshot of the unidentified loan in my account:

Loan Details
Type of Loan: PERSONAL COMPUTER
Asset Description:LG-LAP LAPTOP LG LAPTOP
Property Details:View Property Details
Rate of Interest:7.50%
Linked Accounts:View Linked Account
Disbursement Details: Amount of ` 30,000.00 disbursed on[protected]
Complaint marked as Resolved Aug 13, 2020
Complaint comments  18 CommentsShareTweet

Comments

Computer Loan — My name was put in cibil were I was not in fault

Respected Sir,
I had taken a computer loan approximately 3 year back from Bajaj Finance. Here the problem was I had given post dated cheque of which 3 cheques were cleared, thereafter I changed the company and shifted to new office my earlier a/c was closed. So I asked the agent I will give new cheques, so he informed you can give cash instead. I agreed cash was paid monthly.At the end of the installment he said some of the cheque were deposited and got return, so there is a penalty of one thousand I paid that. I have the receipts for that. All the payments were made thereafter one year later I came to know that my name was put in cibil as defaulter were I was not in fault. And regarding this I am doing follow up with the Bajaj Finance since dec 2008 and I am getting no help. I spoke with Mr Madar Bokil, Vishwajeet Patki, Pritam Shinde and I am not getting any help from them.
kindly do the needfull

Regards,
Saptha
Loan A/c NO : 577/55825

i do not know — Wrongly mention a lone on my name

Dear sir,
I, subodh kumar sharma s/o kanhaiya lal sharma brahmpuri mukundpur agra road aligarh uttar pradesh 202001. My income tax id : BHXPS4825C & voter id : MXB2796647 is that. My phone no [protected] , [protected].
Sir, I want to know about sanctioned 65000/ on 21/02/2006 its last payment 29/12/2009 , current balance 69319/ & overdue 4319/ But i do not know about this. I have not received such amount credit from any bank. So please tell me about this credit is issue where & name of the bank in which it is show on me. Please help me.
Thanks.
Subodh kumar Sharma
[protected]
[protected]@gmail.com
Dear Dear Mr, Sharma


At the outset, please accept our apologies for the inconvenience caused. To help us expedite the process of resolution of your query, could you please share your loan account number with us?


With regards,

weCare
Bajaj Finserv Lending
I have sent all the details as requested to your [protected]@bajajfinserv.in and copy to wecare as well .
All the details account number, problems that i have faced, screen shots etc all are in the mail trail.
Dear Mr, Sharma


With reference to our discussion, we request you to provide us additional 2-3 working days for retrieval of documents and to assist you further.


With regards,

weCare
Bajaj Finserv Lending
Dear Mr, Sharma


With reference to our discussion, we wish to inform you that we have delinked the wrong loan account number and sent your Loan account number 4010CD00059280 for cibil updation.

We request you to check the same at your end within 4-5 working days. Moreover, hard copy of no objection certificate and apology letter is sent to your registered address. in future we request you to write to us at [protected]@bajajfinserv.in

With regards,

weCare
Bajaj Finserv Lending
As Discussed over the phone have you mentioned in the NOC that you have by mistake updated my CIBIL and due to which i was added into the defaulter list .I have already mentioned all the details in the email which i sent it on 27th feb to your wecare Email ID mentioning all points which should be covered in the NOC .
Please include the details as they are must.
Dear Mr, Sharma

We have already initiated the process of resolution of your query. You shall hear from us in the next 48 hours. During this time, should you wish to contact us, please write to us on [protected]@bajajfinservlending mentioning your Loan Account Number in the subject?


With regards,

weCare
Bajaj Finserv Lending
I think the person working on my issues dont want to understand them or actually cannot understand things. Today i got the letter which i was asking for about 2 months but it was actually sent to fool us . The same lines which i was hearing from them from last december was written entirely over the two letters. They have nowhere mentioned that they have wrongly updated my CIBIL score, Now where mentioned that they have destryoed by credit history, they have no where mentioned the Unknown Loan Details which is still showing up in my online account and they have given me NOC of my own Loan Account which Got Closed which i didn't asked for.

Instead of solving my issues they have now created one more, now when i login in Xperia i.e the bajaj fin serv website instead of showing my name its showing
PALLAVI PRITAM SHARMA name, i dont know who she is but this is again one more example of how they work and again a mistake done from their side and they will apologies again.
The only thing they know is apologising.

So i am requestig you again and again and again to solve my problems, i am mentioning the things which is still pending at your side which needs to be closed.

1) REMOVE THE WRONG LOAN ACCOUNT #[protected] WHCIH IS STILL SHOWING UP IN MY XPERIA ACCOUNT
2) NEED NO OBJECTION CERTICICATE MENTIONING BELOW FOLLOWING POINTS
a) Please mention that you have Wrongly Updated the Loan in my Account due to your system error, i need the details of the loan properly mentioned.
b) Please mention that you have wrongly Updated my CIBIL record as defaulter which was by mistake.
c) An apology for the all the loses that i have gone through


I also need solutions to some of my problems which have raised due to their negligence.i have already mention them in my emailssent to We Care, told everything to every executive to whom i spoke.

Now i really regret that i got connected with Bajaj Fin Serv Lending.

Dear Mr, Sharma

With reference to our discussion, we wish to inform you that we have already sent you the hard copy of no objection certificate ( NOC ) and apology letter via first flight courier airway bill number M34765518 on 11th March 2013.

Further, we wish to inform you that we have sent your loan account details for CIBIL updation please check the same at your end within 4-5 working days.


With regards,

weCare
Bajaj Finserv Lending
Dear Sharma,

We have forwarded your concern along with the screenshot. We will get back to you shortly


With regards,

weCare
Bajaj Finserv Lending
I Think You are not reading what i am writing, is there any mode of communication you understand please tell me that .
The No objection certificate which you have given me is for the my own loan which got closed a way back i don't need that, i need a letter stating that my credit history was spoiled by Bajaj Fin Serv Lending by mistake and you also added me in the Defaulters list in CIBIL .

Send me a hard copy letter on your bajaj fin serv letter head Containing below points

a) Mention that you have Wrongly Updated the Loan in my Account due to your system error, i need the details of the loan properly mentioned, also stating that the loan was not mine.
b) Please mention that you have wrongly Updated my CIBIL record as defaulter which was by mistake.
c) An solutions for the all the loses that i have gone through

I think i am writing in a simple language and a 10 year old boy can understand the same and i am amazed that you guys are not getting it.
Dear Mr. Sharma,

With reference to our discussion, we wish to inform you that we have already sent you the hard copy of no objection certificate ( NOC ) and apology letter via first flight courier airway bill number M34765518 on 11th March 2013.

Further, we wish to inform you that we have sent your loan account details for CIBIL updation please check the same at your end within 4-5 working days.

With regards,

weCare
Bajaj Finserv Lending
Me 2 Copy Pasting

I Think You are not reading what i am writing, is there any mode of communication you understand please tell me that .
The No objection certificate which you have given me is for the my own loan which got closed a way back i don't need that, i need a letter stating that my credit history was spoiled by Bajaj Fin Serv Lending by mistake and you also added me in the Defaulters list in CIBIL .

Send me a hard copy letter on your bajaj fin serv letter head Containing below points

a) Mention that you have Wrongly Updated the Loan in my Account due to your system error, i need the details of the loan properly mentioned, also stating that the loan was not mine.
b) Please mention that you have wrongly Updated my CIBIL record as defaulter which was by mistake.
c) An solutions for the all the loses that i have gone through

I think i am writing in a simple language and a 10 year old boy can understand the same and i am amazed that you guys are not getting it.
Ranjini, thanks for the information you have shared, you must have read all the details which i have mentioned above and you will understand my problems, just need to know how you can help me in this case, i really feel regret to be a part of bajaj and they actually are least bothered of the mistakes they have done.I know you will ask me to call its just before calling i need to know what action can be taken against BAJAJ Fin Serv Lending.

The only mode that is left is to highlight this mess which BAJAJ fin serv has creaed is through media via newspaper or press and trust me it is going to be soon, so am asking final time to BAJAJ to provide me the letter with following details

a) Mention that you have Wrongly Updated the Loan in my Account due to your system error, i need the details of the loan properly mentioned, also stating that the loan was not mine.
b) Please mention that you have wrongly Updated my CIBIL record as defaulter which was by mistake.
c) An solutions for the all the loses that i have gone through
Hi,

This is Arnab Bose LAN: 4100CD00182517. I had to pay bounce charges though I had sufficient balance in my account. I mailed wecare several time for the same but no response. I have received the NOC.
But it will surely lower my CIBIL score.
Please tell me the remedy and also let me know if I am eligible to take any further loan from BFL.
Also kindly let me know whether I am still in the Deffaulters list with CIBIL.

Will wait for your repl.
Hi,


I am facing the same issue now. Bajaj finserv doesn't have proper records, They have unnecessarily added the loan which was taken by the person in hyderbad to my account. Now i am receiving police calls to pay the loan amount of Rs.33516/- which i have not taken. also i receiving harrassment from David (manager) and police that they will come to my house and arrest. How can i solve my problem? David(manager) is asking me to pay the amount and take the receipt. Later he will check the hard copies, if they don't match. we will refund the amount. When i asked him that what is the proof that i will get refund? He says you will get a receipt from bajaj finserv that will be your proof. I asked him i am ready to deposit the amount if you give the description " Deposit towards disputed loan account" . They said NO we can't do that. You just pay the amount and go. We will get back to you in 5 days. Since i have no proof i didn't pay the amount. i have given a written complaint in Bajaj office and retunrned. Can anyone help me with this?

Bajaj Finserv — CIBIL CLOSE

We are close the my personal loan before two month but not close CIBIL Please immediate close the CIBIL K.Pandeeswaran Loan No.4030PL00175682

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