[Resolved]  EarlySalary — no moratorium provided and continues threatening

Address:	404, The Chambers Near Ganpati Mandir Chowk (Samrat Chowk, Viman Nagar, Pune, Maharashtra 411014
Website:	www.earlysalary.com

Hello,

Earlysalary is the worst financial service company which doesn't want to understand their customer difficulty and doesn't follow the rbi guidelines.

When the lockdown was started i have availed for the moratorium and provided all the documentation and they accepted my request. But after the moratorium was expended they started behaving like goons.

I informed them my condition that i was for a startup company and we have been affected by covid19 pandemic and i am facing the financial issues and my brother and dads are self-employed and their income has been affected and i am the only salaried person in my house and i am also not getting the salary or getting it 30% or 50%.

But they don't want to understand that and keep sending threatening emails. Yesterday i got called from one of their agents and he was rude and mentioned that "i should be ashamed for not paying emi. If you can't pay the emi why did you took the loan." he also mentioned he is not interested in my reason for not paying the emi and said "sell you house and repay the emi or close the loan". He said he will be sending some goons to recover the loan so be ready. I asked him his name but he keeps changing the topic and disconnected the call.

My dad is heart patience after hearing my conversation with them he took tension and now he is ill.

For the last 1 year, i have been using their service and haven't delayed the payment but after the recent incident, i am disappointed and have no other option but to log a complaint.

I have attached the screenshot of their threatening email and message. Also, i have attached the screenshot of the email that i sent them with their response.

As you can see in 1st screenshot they have mentioned that it will affect my cibil score. But rbi governor mentions not to report the default from 1st march onward. Still, they keep mentioning that in their emails.

Thanks.