[Resolved]  Tata Motors Finance — UN NECESSARY CHARGES

Please send your Complaints or Query to [protected]@tmf.co.in

Dear Sir,

I "RAVI JAIN" took an auto loan through agreement no- [protected]. It has been recovered and even we have got NOCl on 30.10.2009 against the loan. They have shown balance of Rs. 1630/- in my CIBIL Report. Make nill the balance amount from the CIBIL Report immediately.


Thank,

Ravi Jain
[protected]
Email ID- [protected]@gmail.com

Dated 02.06.2012




M/S Tata Motor Finance Ltd


Dear Sir

Matter of fact that you have sanctioned me the loan of Rs 970000/each under the following five Contract Nos.

Contract No.
[protected]
[protected]
[protected]
[protected]
[protected]


I have deposited Rs 500000/each in your above contract nos on dated 18.05.2011.Inspite of Adjusted the same
in my principal amount you have adjusted the same as EMI .Principal as well as Interest.But I shocked when I
have not utilized your fund, no question arises to charged me interest.

I have made several request from your executive for settlement the account, but the same request have been ignored.

You are requested to make the necessary correction in your account and square up the same and issue me the
NOC without any dispute.

Thanks & Regards


( Pardeep Kumar )
[protected]
[protected]@yahoo.co.in

[protected] Forwarded message[protected]
From: nishant kumar <[protected]@gmail.com>
Date: Sat, Aug 4, 2012 at 12:44 PM
Subject: Re: NOC
To: rajesh.[protected]@tmf.co.in
Cc: "karuna.[protected]@tmf.co.in" <karuna.[protected]@tmf.co.in>





I am Nishant Kumar s/o Naresh Kumar Citiy sardulgarh distt Mansa Punjab (bathinda) gaadi no Pb 51 4700 indica vista this finance ur Tata Moter finance ltd.it is satelment case an I give deposit full payment last month.an please i request u this NOC will don't give any person.please give me a only me handover NOC
Nishant Kumar loan account no.[protected]


Regards
Nishant Kumar
[protected]
[protected]
[protected]


THE ABOVE E MAIL I HAVE ALREADY SENT TO PERSONS BUT HAVE NOT GOT ANY REPLY


I am Nishant garg s/o Naresh garg. My financed vehicle number is PB 51 4700 Account Number is [protected]. Settlement was done with your company for the amount 1, 60, 000/-RUPEES in the Month of March 2012. I have given the Advance Payment for Settlement i.e 32000/-RUPEES (21/03/2012). I had to pay the full payment till 30th April 2012. But I wasn't able to pay on this date.Then I Paid 27500/-Rupees on 28/04/2012 from The Total Amount. And Remaining Amount (1, 00, 500/-rupees) was to be paid till 30th April 2012.

I called the Concerned Person ( Mr.Rajesh gupta ) on 28th April 2012 to tell that I am not able to pay till 30th April 2012. He told me that some more amount as a Penalty you have to pay for Late Payment. Then on 3rd may 2012 Mr.Sunil Mourya and one more person from Bathinda Branch came and he forced me to surrender the Car and get the surrender paper signed from me. And I wrote the Application for Surrendering the Car to TATA MOTOR FINANCE LIMITED Only.He said, you can Take your car back, when you will pay the Remaining Amount. And even now the Original RC Of The Car is with me only.

Then I Visited the Office Of TATA MOTOR FINANCE LTD SECTOR -9 Chandigarh and Nobody Responded me for My Problem.Then i Visited Bathinda Branch and they said Mr.Sunil Mourya Has not Surrendered any Car.They said talk to Mr.Sunil Mourya only.he was not giving any response On Phone. We found out that the Car is with him only. He is using this Car as his Personal Car. When i Talked to him, he said he will give the car back after giving full payment to TATA MOTOR FINANCE LTD.

I asked him for the New Approval for Final Settlement. Then company generated the Approval for Final Settlement (1, 20, 000/- Rs) . Then I paid the some Amount of Money and then after I Paid the Whole Amount (By cash from Mr.Sunil Mourya: 49, 000/- Rs on 20/07/2012, 49, 000/- Rs. on 30/07/2012 and balance amount 22, 000/- Rs on 31/07/2012).

Now from My Side, No Payment is left to Pay to TATA MOTOR FINANCE LIMITED.

After paying the Full Payment, my Father went to him and asked for the car but he was keep on saying wait wait and wait. And also next day, he did the same. After that he stopped picking my and my Father calls. I called at Bathinda Branch office, they said he is not here. He ignored us like anything.

So many times i asked from Chandigarh branch sector 9., but they said, there is no car surrendered of this number. I Mailed to Mr Rajesh Gupta and Karuna Tripathi . But have not got any response.

I have not received NOC from your office. Please take a quick action against this. I will be very thankful to you for this.

Still the car is on my name. If something wrong happened, then who will be responsible. ?????

If anything wrong happened, then Mr.Sunil Mourya and the company TATA MOTOR FINANCE LTD will be responsible for any inconvenience happens.

Please help me for finding the car and take quick reaction for this. Otherwise i will take this case to the court.My patience is over now


Thanks

Regards
Nishant Kumar
[protected]
[protected]
[protected]

Dear Sir,


I Gouse Mohiddin i buy tata ac from tirupathi branch i used this vehicle for 3months and sold this vehicle to some other person with agreement paper on last year but the person not paying loan is there any problem to me tell me sir...

Thank

GOUSE MOHIDDIN
[protected]
[protected]@yahoo.com

Dear TMF Team,

I have closed my Car loan with TMF on dated[protected]. i`ve submitted all dues at your Jhansi offive and i`ve received NOC from TMF-Kanpur. But still you are deducting my EMI (13566/-), WHY?

Please look into the matter and do the need full. i have choosed tata for its good name and services...but now i am feeling shame...My Car number is UP93AC2500.


Regards,
Ashutosh Awasthi
[protected]
ashutosh.[protected]@heidelbergcement.in

This letter is meant for Mr Cyrus Mistry, if he has the time to read.

(Pl go through the trailing mail and my replies thereto)

Dear Sir,

I am not requesting you to issue me a letter which you might suspect I would use against you.

I am just requesting you to resolve with the issue with the CIBIL so that it does not hinder my housing loan process. I am interested in nothing beyond that.

As regarding your statement that you are unable to identify the person who signed the letter regarding dishonouring the said cheques to be your internal issue, well that is your outlook and not mine. I am a client and if your staff gives me letter to that effect, it is not my prerogative to doubt the integrity of your staff.

The fact is that it is your HO that has taken cognisance of the said letter issued by your Branch admitting the fact that fault was at your end &amp; issued the NOC to me waiving charges. I do not then see the harm in informing the CIBIL of the waiver and that the dishonour of the cheques was not due to any financial indiscipline at my end. Why is it taking them so much defies rationale?

As brought out earlier, pl for God sake appreciate the harm Tata Motors is doing to a client who had bought a Safari and a Tata Indica. I now do not feel like looking at Tata fleet, because of harassment caused to me. Is this you treat your customers? That is what Tata is known for, as far as I know about Tata.

In view of this, I still request you to prevail upon whoever needs to take a decision to reply to CIBIL to remove the adverse observation at your earliest and I humbly say that I am not interested in taking you to court, however if you do not resolve it by end of this week, you will force me to do so. That will be an avoidable action on my part as I would have no other choice in the matter as you need to appreciate my patience that I have waited from Nov 2013 to mid 2014 for my NOC and now I await for removal of this observation at CIBIL since last two months! Pl visualise what you would have done under similar circumstances and challenge your own conscience!


Regards,

Lt Col Amarjit Singh
[protected]


Sent from my iPad

On 07-Oct-2014, at 10:13 am, &lt;rakesh.[protected]@tmf.co.in&gt; &lt;rakesh.[protected]@tmf.co.in&gt; wrote:

Sir,

We are not able to identify the official who has signed the letter because letter do not carry the name and designation. I have again taken up the matter with HO team and trying my best to get this issue resolved at the earliest. Whatever our HO will reply the same will be communicated to you.

Regret inconvenience caused to you.


Thanks &amp; Regards
Rakesh Jain
Branch Operations Manager
Tata Motors Finance Limited
SCO-139-140, 2ND Floor, Above Axis Bank
Sector -9 C, Madhya Marg
Chandigarh -160009
M-[protected], Phone No - [protected]

From: Amarjit singh [mailto:[protected]@yahoo.com]
Sent: Monday, October 06, 2014 10:55 PM
To: &lt;rakesh.[protected]@tmf.co.in&gt;
Cc: &lt;Sumit.[protected]@tmf.co.in&gt;; malik shaikh
Subject: Re: Non issue of NOC Tata Indica Regd No CH 04 F 0889

Dear Sir,

Thank you for your reply.

I am sorry that I have closed the account and unable to produce the statement.

Even otherwise, what useful purpose it would have served since it is on record that the cheques had then bounced due to an internal issue at your branch level.

If it it were not, please deny issuing this letter by your branch for me to take matters further.

That if I do not get a favourable response from you, I will be constrained to take a legal action is no threat, but a gentleman's promise to have it corrected and lay the onus of loan not getting sanctioned at your door step at your risk and expense.

You still have a week for this.

Awaiting reply.

With regards,

Lt Col Amarjit Singh


Sent from my iPad

On 06-Oct-2014, at 3:07 pm, &lt;rakesh.[protected]@tmf.co.in&gt; &lt;rakesh.[protected]@tmf.co.in&gt; wrote:

Sir,

Our Head Office already replied to your query which I have forwarded to you. Data correction in CIBIL is taken care by Our Head Office &amp; they require your Bank statement of that particular period when cheque was showing bounced in our system..

Requesting your to provide the Bank statement so that we can proceed further and arrange to make necessary correction.

Once again attaching our Head Office reply for your reference.

CC – Dear Malik Shaikh – As per your mail, HO has send the mail to CIBIL for data correction. Please confirm status as on date to customer so that this long pending issue can be resolved.

Thanks &amp; Regards
Rakesh Jain
Branch Operations Manager
Tata Motors Finance Limited
SCO-139-140, 2ND Floor, Above Axis Bank
Sector -9 C, Madhya Marg
Chandigarh -160009
M-[protected], Phone No - [protected]

From: Amarjit singh [mailto:[protected]@yahoo.com]
Sent: Monday, October 06, 2014 2:52 PM
To: &lt;rakesh.[protected]@tmf.co.in&gt;
Cc: &lt;Sumit.[protected]@tmf.co.in&gt;
Subject: Re: Non issue of NOC Tata Indica Regd No CH 04 F 0889

Dear Sir,

Following is the reply received from CIBIL regarding setting aside the negative observation based upon which my house loan is held up.

Pl reply to the CIBIL under information to me to enable them to remove the same at an early date.

As regarding the details of the balance at that time, I do not have the same as the account had been closed long back. In any case, you have your dealing branch letter mentioning specific cheque Nos stating that the same bounced due to your internal issues and not due to any fault at my level.

Pl treat the matter urgent and if I do receive the response within seven days, I will be constrained to take legal action which you may kindly take note of that it would be at your cost &amp; expense.

You have failed to realise the harassment caused to me by hindering my home loan processing.

Pl note that I am just requesting you take action for removal of this observation by the CIBIL and nothing else, which is reasonable in view of the factual position and fault at your end. Also note that if a person pays Rs 6520 PM every month as instalment, he will not be so negligent to have his account in default for a meagre sum such as this. This Factum of the matter is lost on you despite my repeated requests.

Regards,


The CIBIL mail follows:-


Sent from my iPad

Begin forwarded message:


From: &lt;[protected]@cibil.com&gt;
Date: 6 October 2014 12:28:43 pm IST
To: &lt;[protected]@yahoo.com&gt;
Subject: Service Request Number 3331590


Dear Sir,


Thank you for writing to Credit Information Bureau (India) Limited (CIBIL). This email is in response to your communication disputing certain information in your CIBIL Report.


CIBIL's core business is to collect and maintain the credit history of consumers. CIBIL obtains this information from Credit Institutions. This information is collated into credit reports and provided to CIBIL's Credit Institutions and consumers at their request. CIBIL cannot modify any information without confirmation from the relevant Credit Institution.


To confirm the accuracy of the information provided in your report, we had written to TATA MOTORS XXXX9102. As advised by ( TATA MOTORS ), we request you to kindly contact them for clarification on the disputed details.

Kindly quote the above-mentioned Service Request Number for your future communication with us.


We assure you of our best services always.


Regards,
Consumer Relations Team
=================================
Credit Information Bureau (India) Ltd
Hoechst House, 6th Floor,
193, Backbay Reclamation,
Nariman Point, Mumbai 400 021.
Ph :[protected], Fax :[protected]
Email : [protected]@cibil.com
Website : www.cibil.com
CIN : U72300MH2000PLC128359
=================================


This document is classified as : Private

Disclaimer : "The information contained in this electronic message (including any attachments) is intended for exclusive use of the addressee(s) and may contain some proprietary and/or confidential or privileged information. If by oversight you are not the intended recipient, we request you not to disclose, disseminate, distribute or copy this e-mail to anyone else. Also, please notify the sender immediately and destroy all copies of this message and any attachment(s). Thank you."
Sent from my iPad

On 22-Sep-2014, at 5:03 pm, &lt;rakesh.[protected]@tmf.co.in&gt; &lt;rakesh.[protected]@tmf.co.in&gt; wrote:

Dear Sir,

We have taken up your case with our Head Office. Our Head Office reply attached for your Reference.

Thanks &amp; Regards
Rakesh Jain
Branch Operations Manager
Tata Motors Finance Limited
SCO-139-140, 2ND Floor, Above Axis Bank
Sector -9 C, Madhya Marg
Chandigarh -160009
M-[protected], Phone No - [protected]

From: Amarjit singh [mailto:[protected]@yahoo.com]
Sent: Monday, September 22, 2014 4:52 PM
To: &lt;rakesh.[protected]@tmf.co.in&gt;
Cc: &lt;Sumit.[protected]@tmf.co.in&gt;
Subject: Re: Non issue of NOC Tata Indica Regd No CH 04 F 0889

Dear Sir,

This has reference to your trailing mail, our conference call and your promise to do the needful with regard to reflection of adverse credit on my CIBIL status due to fault at the end of Tata Motors.

It has been eighteen days. It exhibits the patience on my part.

I am sad indeed to point out that I am still waiting the requested letter/intimation to the CIBIL for information of the CIBIL as my loan is held up due to the same. I have taken up the matter with CIBIL as well, am sure you or your HQ would have heard about the same from them for resolving the conflict at an early date.

In the meanwhile, pl be kind enough to give me contact details of your final boss who is supposed to do the same to enable me to write to him at an early date as sanction of my loan is held up due to this silly mistake on your part.

I assure you that given your track record, I will not repeat the mistake of purchasing a vehicle from Tata Motors stable. My next vehicle has been Innova and bankers are SBI.

Thank you so very much for honouring the trust reposed.

Kind regards,

Lt Col Amarjit Singh
[protected]


Sent from my iPad

On 04-Sep-2014, at 12:25 pm, &lt;rakesh.[protected]@tmf.co.in&gt; wrote:

Sir,

As discussed, Please find attach your Loan statement.

Thanks &amp; Regards
Rakesh Jain
Branch Operations Manager
Tata Motors Finance Limited
SCO-139-140, 2ND Floor, Above Axis Bank
Sector -9 C, Madhya Marg
Chandigarh -160009
M-[protected], Phone No - [protected]

From: Sumit Nagpal [mailto:sumit.[protected]@tmf.co.in]
Sent: Thursday, September 04, 2014 10:29 AM
To: &lt;rakesh.[protected]@tmf.co.in&gt;; parminder.[protected]@tmf.co.in
Subject: Fwd: Non issue of NOC Tata Indica Regd No CH 04 F 0889

Rakesh,
We discussed please check and get the required info on top
Priority as we have to get back to this client today itself.

Regards
Sumit Nagpal


Begin forwarded message:

From: Amarjit singh &lt;[protected]@yahoo.com&gt;
Date: September 3, 2014 at 11:26:40 PM GMT+5:30
To: "&lt;Sumit.[protected]@tmf.co.in&gt;" &lt;Sumit.[protected]@tmf.co.in&gt;
Subject: Re: Non issue of NOC Tata Indica Regd No CH 04 F 0889

Thanks Mr Nagpal,

Your kind reply is appreciated at this hour. Thanks.

The matter is very serious.

TMF has charged me interest and enhanced tenure by five months, this being Tata, I could not even imagine that Tata would do it to a guy like me, making me look like gullible fool.

I have been waiting for your mail till late evening. Since you did not respond, I got CIBIL report late at night and saw a devastating scene, where I have indeed been made to look like a person who lacked financial discipline, which I am afraid, I am not.

I am not waiting till EOD tomorrow for you kind response. Let me assure you, my response will be calibrated.

Pl resolve it before if backfires on a TMF.

Kind regards,

Lt Col Amarjit Singh
[protected]

Sent from my iPad

On 03-Sep-2014, at 11:06 pm, Sumit Nagpal &lt;Sumit.[protected]@tmf.co.in&gt; wrote:

Sir,
Regret inconvenience but kindly give us time till tomorrow 1st half to process your request.


Regards,

Sumit Nagpal
Branch Manager- Chandigarh
Tata Motors Finance Limited
SC0 139-140, 2nd Floor, Sector 9-C, Chandigarh.
Direct Line[protected] I I Mob 91 [protected]
Email: sumit.[protected]@tmf.co.in I www.tatamotorfinance.com
P Please consider the environment before printing this e-mail.

From: Sumit Nagpal [mailto:Sumit.[protected]@tmf.co.in]
Sent: 03 September 2014 14:26
To: 'Amarjit singh'
Subject: RE: Non issue of NOC Tata Indica Regd No CH 04 F 0889

Sir, give me sometime would get back to you ASAP.


Regards,

Sumit Nagpal
Branch Manager- Chandigarh
Tata Motors Finance Limited
SC0 139-140, 2nd Floor, Sector 9-C, Chandigarh.
Direct Line[protected] I I Mob 91 [protected]
Email: sumit.[protected]@tmf.co.in I www.tatamotorfinance.com
P Please consider the environment before printing this e-mail.

From: Amarjit singh [mailto:[protected]@yahoo.com]
Sent: 03 September 2014 13:57
To: &lt;Sumit.[protected]@tmf.co.in&gt;
Subject: Re: Non issue of NOC Tata Indica Regd No CH 04 F 0889

Now attached,

Regards,

Lt Col Amarjit Singh
&lt;image001.jpg&gt;


&lt;image002.jpg&gt;
Sent from my iPad

On 03-Sep-2014, at 1:24 pm, Sumit Nagpal &lt;Sumit.[protected]@tmf.co.in&gt; wrote:

Sir, attachment missing.


Regards,

Sumit Nagpal
Branch Manager- Chandigarh
Tata Motors Finance Limited
SC0 139-140, 2nd Floor, Sector 9-C, Chandigarh.
Direct Line[protected] I I Mob 91 [protected]
Email: sumit.[protected]@tmf.co.in I www.tatamotorfinance.com
P Please consider the environment before printing this e-mail.

From: Amarjit singh [mailto:[protected]@yahoo.com]
Sent: 03 September 2014 13:20
To: sumit.[protected]@tmf.co.in
Subject: Fwd: Non issue of NOC Tata Indica Regd No CH 04 F 0889


Sent from my iPad

Dear Mr Nagpal,

The copy NOC is attached.


I have repaid the loan in a satisfactory manner. However CIBIL records show a default for over four years. Due to which my home loan is held up on this trivial issue for a fault that was not due to any financial indiscipline on my part and was rather due to an internal issue at TMF. A copy of a letter issued by your office in this regard is attached.

In view of this, may I, request you to issue a small note addressed to me that the outstanding amount was not due to a financial indiscipline on my part, but rather due to an internal issue at TMF. This will enable me to present the same &amp; clear with the SBI for processing of loan.
I will be grateful if I can collect the letter at 3 PM, today.


I have attached the correspondence with TMF in this regard in the trailing mail to give you a perspective on this issue.

Thanking you,


Regards,


Lt Col Amarjit Singh


[protected]


&lt;image001.jpg&gt;

&lt;image002.jpg&gt;

Sent from my iPad

On 20-Aug-2014, at 10:03 am, Amarjit singh &lt;[protected]@yahoo.com&gt; wrote:

Dear Sir,

Thanks for your kind response.

The cheque had not bounced due to insufficient funds or any issue at my end.

It rather bounced as the cheques were presented to the wrong bank.

A communication received from your TMF Chandigarh branch admitting the same is attached as a ready reference.

In view of the fact the cheques did not bounce due to a fault at my end, the charges be reversed and an NOC be issued without further delay and harassment to me?

Pl acknowledge action taken by revert mail.

Col Amarjit Singh
[protected]&lt;image.jpeg&gt;


Sent from my iPad

On 19-Aug-2014, at 4:16 pm, "Customer Care" &lt;[protected]@tmf.co.in&gt; wrote:


Dear Customer,


We thank you for writing to us.

We are in receipt of your mail, regarding NOC.

Kindly note the reference no. 1050833 for your future references and follow up.

We have observed that instances of cheque bounce and delay/non payment resulting in respective charges in customer's loan account as per the terms and condition.
The charges as on date : Rs. 1, 108.25 towards O
Hence we suggest you to visit our nearest branch to pay the ODC charges and to apply for NOC.


It can also pay through Online as per given details below.

Bank Name
HDFC Bank Ltd.
Account no
[protected]
Account Name
TATA Motors Finance Ltd.
Branch
HDFC Bank Ltd., Maneckji Wadia Building, Fort, Mumbai - 23
IFSC CODE
HDFC0000060
NEFT CODE
HDFC000240

NOTE : Once payment done through this facility, please provide us NEFT/UTR no. with your Loan account no.

Further assistance we suggest to speak with our Branch Manager Mr. Sumit Nagpal
on # [protected] directly. He would be happy to assist you.

Kindly confirm the payment receipt after which NOC will be issued from our end.

Existing customers can also access information on loan account on www.tmf.co.in.

We value your association and thank you for your trust in Tata Motors Finance ltd.

Customer Care Executive


-----Original Message-----
From: "Amarjit singh"
Sent: 19/08/2014 10:45 AM
To: "[protected]@tmf.co.in"
CC:
Subject: Non issue of NOC Tata Indica Regd No CH 04 F 0889


Dear Sir,

I had taken auto loan for above vehicle.

The loan has been paid satisfactorily early this year.

I have rang up your office in Sector 9 Chandigarh for issue of NOC umpteen number of times. The stock reply is that the same is awaited.

It has now been more than four months, which is beyond any reasonable time, by any stretch of imagination.

In view of this, could you kindly look into this and revert.

Will be grateful to receive receipt of confirmation and action in hand.

Regards,

Col Amarjit Singh
[protected]