Credit Information Bureau India [CIBIL] — Unethical behaviour and not closing my loans after overpayment

Address:	411028
Website:	Bajaj FInance

Below is whole mail chain about my consumer loans. I have been chasing to soort this oout from past 4 months but there was no response. This is impacting my cbil as well hence i woulrequest your kind attention to update my records without these bloody loans.

Hi,

I am not sure on what do you mean by invoice. I have not received anything from bajaj.

I have been telling you that the other two loans 326 rs was there in ur list but it was closed quite sometime back post my discussions with bajaj here.

Yesterday i got a call from legal team from delhi, whats this?

I am literally fed up with your processes, here i am giving you bajaj finance sales person where he know everything about my case.

Sandeep: [protected]

As per my discussions with this guy, nothing is pending from my end and bajaj has to repay some amount to me. Please close all these loans and inform all teams.

Regards

Karunakar

On mon, mar 20, 2017 at 11:08 am, [protected]@bajajfinserv.in wrote:
Dear customer,

Thank you for writing to us at bajaj finserv lending.

We request you to kindly send us a scanned copy of your invoice copy to verify and validate our records.

Once we have validated our system records, we shall revert to you.

For any further clarifications write to us at [protected]@bajajfinserv.in.

Assuring you of our best services always.

Yours sincerely
Bajaj finserv

For an easier and faster access to your account details, please visit our website – www.bajajfinservlending.in

Type ‘experia’ and send this message to [protected] from your registered mobile number. You will get your user id and password in few seconds!

Alternatively, you can follow the below mentioned steps to recall your experia user id and password :-
1.) log on to our website www.bajajfinservlending.in and click on customer login option.
2.) click on ‘forgot user id’ option.
3.) enter your ‘loan account number’ and ‘email id’ registered with us.
4.) click on ‘get user id’ option.
5.) you will receive an email and sms with your user id and password to login.

All of the following information and more is just a click away
Loan information
Emi related – balance, last payment
Statement of accounts
Noc
Emi card

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Dear finserv executive,

I have taken home appliance loan (2 lg ac"s) from bajaj and the total amount is around 70, 000 rs including all and i made some initial payment as well while buying these two ac"s from reliance, amanora mall.

I have started paying every month and i am not sure on which date i have started but i have stopped paying from past two months due to the below reasons.

1. Loan amount was showing for ac is 40, 000 rs and other ac showing as 50, 000 rs. Total is 90, 000 rs but y actual ac"s cost was just 67, 000 rs.

2. I went to fathima nagar branch and they have advised me to go to main branch which is very far to the city however i went here as well.

3.in between, i have been receiving so many calls from recovery team"s but they even dont know how to speak english which is the biggest problem hence they were unable to understand what i was trying to say. They will also say "aap ka payment pending hai. Kabh payment karega" and ifi start talking in english they will cut the call and again they will call and the same repeats. This is happening from past 3 months.

4. Finally now i went main branch, funny thing is they also dont know how to speak in english but they are very seniors in terms of grade and dont understand what i was trying to explain. That guy, he was keeping on telling me that the system is showing 40 & 50 k.. I can"t do anything, you go and discuss with reliance. All were argued with me instead o[censored]nderstanding my issue even though i showed attached evidences what i have received from bajaj as a monthly statement.

5. Again i went back to reliance and i have explained everything to them, then they said, you have already cleared nothing is"pending"so you no need to pay. They have extracted few statements and showed me.

6. After this i have stopped paying but i have been getting calls from various recovery agent and i didn"t respond to them as well.

7. Finally one recovering lady played a track with me and said, i am calling from bajaj... Whats your problem? Then i have explained everything to her as she said that she is from bajaj and she asked me to come to reliance. This lady"s name is gauri from renuka enterprises (Mobile:[protected])

8. I went to reliance and she came along with her assistant. They have discussed with reliance and understood the the problem. She said that she will check with bajaj and get back to me. This was happend two months ago but there was no response after that. During this discussion, reliance people explained to her clearly everything.

9. Now i am getting calls from other recovery agencies and my answer is simple that i have already paid. Please go and check.

10. I believe this is impacting my cibil score as well hence i would request you to check and update your records with the closed status and inform cibil.

11. My actual loan amount per month is half of the amount i have paid.

12 attached statements for your reference.

I want to escalate this to senior management on what process and systems do you have in place?. If something is wrong and i have been complaining then you have to correct it in the system and get back to the customer? Dont you have responsibility to get back to you customers on the issues what they are raising?
How would you inform your recovery team to get the funds from your customer even though i am explaining everything in clear cut manner?

We dont have customer care numbers to contact you people and we have to go main branch but those guys dont have minimum ethics on how to deal with customers?

Even i can write more n more by mentioning their names but thats not my aim here. I just want to close this loan with the immediate effect and inform cibil to update their records.

Because of these two loans, my score is becoming worse even though there was not mistake from my end.

Hope you can understand and act on this immediately by talking help from gauri and reliance group, amanora

Regards
Karunakar