[Resolved]  Fullerton India Credit Limited — REFUND REQUEST OF EXCESS EMI

Address:

Tiruchirappalli, Tamil Nadu

1.I got a loan (vide No:[protected]) from your Fullerton india credit imited in the month of may thro AXIS Bank cheque of Rs.70984/- vide ch.No:249928 after a week long verification of documents & enquired with my presence in your office also. [Ref.Mr.Kaliyamoorthy]. The same cheque got credit in my account dt 16.06.2010.

2.As informed by your Rep Mr.kaliyamoorthy EMI will got debit in your a/c 5th every month since you are furnished & given all the details which was required by our kind office.

3.Due to your improper & inability to update the records for making ECS i didn't got a debit of my first EMI within the scheduled date (i.e 5th Jul'10) .

4.I called your rep Mr.Kaliyamoorthy on that evening (i.e 5th July) told that the matter & he requested for making the payment of First EMI by cash.So i remitt the same thro my friend to your office on 06.07.2010 & obtained the receipt ( Pls refer the attachment) .

5.Due to all of your neglience the same First EMI Got debit in my a/c on 15.07.2010 thro ECS ( pls refer the attachment).

My queries:


1.Why should you take a so long period for making a ECS eventhough i had given all the documents properly without gothrough even a single page which was i signed for get a loan?

2.Suppose to be the cheque got bounced definately my banker debit a BC in my account ?

3.If so , your kind office could bear the charges?, since it is fully your responsibility eventhough i made payment by cash as requested by you.

4.Finally i comes to conclusion of when will i get the refund (i.e Excess of EMI Recovered from me)?


Hope your kind office must avoid the same mistakes in future not only for me & all your customers since we lost our valuable time & business.