Fullerton India — Interest rate and insurance refund

Address:

Mumbai City, Maharashtra

Dear team, I mr Vikram .lohar have taken a personal loan from Fullerton Indian company in the month of Sep 2014. While applying for the loan I was told that rate of interest will be 13 to 14 percent. The loan was applied from kandivali branch (Mumbai) I have given all the documents to the executive and while giving the document he told me to signed the aggremnt also which was blank. After 10 month I got a call from Fullerton for topup loan, while speaking to executive she told me that my current rate it interest ruinning on loan is 24 percent, I was shocked when I heard about the rate of interest because while applying I was told 13 percent and now I came to know I have be charged 24 percent, without even telling me. When I complained to call centre executive he said me that it is clearly mentioned in the aggremnt that rate of interest is 24 percent and I have signed the same .i have also told him that the aggremnt was blank when I signed and rate o interest was not written in the aggremnt . They Sent me a mail that now they can't do anything bcoz I hav signed the aggremnt. Now I the month of Dec 2015 I had pre closed my loan.i have sent s mail to CCRC team to process my insurance refund as I have close my loan.they told me to send a cancelled cheque to powai address, which I did the next day.after 1 week I got a reply saying me to send necessary document to process the refund.they didn't even called me and told me that documents I have to send.i had sent 2 to 3 time to them to know what all document I have to sent, but they were wasting my time and took more 2 weeks, before 10 days they sent me a mail that they have processed the refund and will be credited to my account on 15 jan2016 but till today I Have not yet received th refund, today I got a mail from Fullerton saying me to sent duly signed request letter for insurance refund. Fullerton have purposely wasted my more than a month to process the refund.and irrated me lot .