Kotak Car Finance — Unfair Charges, Closing of account, incorrect verification, no follow up

Address:

Gurgaon, Haryana

Hello,

I want to file a complaint against kotak car loan.
I have had enough from Kotak. Enough of harassment and unfair charges.

I have already sent them my concern 3 times now, because of their lack of attention they closed my account - they helped with a car loan and opened a bank account with them, which wasn't ever opened. They did not have my correct address on file, even though we provided them with rent agreement which had our correct address. Their Representative did the address verification at wrong address and they approved the incorrect verification, delivered all correspondence which the family staying there did not accept. They took everything back, I got a call from somebody from kotak, saying that they need to deliver me stuff and needed my address.

I gave them the address not once but twice, twice they took down my address but nobody ever showed up and my account was closed, was there any fault of mine?? Then we went to sector 14 gurgaon branch which is 10kms away from my place, I raised the issue to them to which they tell me that we don't need to come to their branch next time and kotak bank loan branch will call us themselves and collect the installment.

Next month again, I got a message that my installment was due, we called up gurgaon sector-14 branch where we had gone to deposit the previous month installment, but there was no response and we again drove 10kms to check with them what was going on, we again raised the issue with them, They again told us the same thing, I called the kotak number their rep told me that I will receive a callback from kotak and they will help me. No call was received, then I wrote them an e-mail, this time somebody called me and said he would come down to my place and I should be ready with few cheques, they took down few cheques along with a cheque of 564rs from my husband which was the charges to shift my account to another bank for ECS so we don't have to go to your branch every month, I should not be paying them even a single rupee extra infact I should charge them for the harassment I went through with them. Now the representative who came down and collected a cheque of 564 and 7 more cheques of my installment amount said that my EMI has bounced and I will be charged 600rs more.

I have had enough of harrassment by them and now they are charging me thousand of rupees of no fault of mine?

My husband made a mistake and gave you a cheque of 564rs which I am already pissed at. But I wont take it anymore.

They have already debited my account of 564rs which I was not supposed to pay and now they are demanding 600rs extra charges because of bounced installment which was again not my fault, because I had been following their instructions only.
When we called back the rep who told us that somebody would come down to my place to collect the cheques, he said we did not have to go to the branch and he would collect the cheque from me and there would be no problem. and now when I have done everything they suggested they are going to charge me for what? For doing as told by kotak employees.

I want to file a harrassment case against them if they do not resolve all my issues.

Rajni