[Resolved] Home Credit India Finance — Double payment against loan emi, even after cash pick up, they deduct emi from bank account

Pankaj Jharia

from Bhopal, Madhya Pradesh

Dec 23, 2016

Address: 482001

Website: www.homecredit.co.in

I have taken loan from Home Credit against Mobile Phone Lenovo P1m, with contract number= [protected]. My EMI due date is 6th to 12th of every month, but due to some reasons I requested the company to take the EMI for December month from my home, instead of deducting it from my bank account with Bank of Baroda.. Customer care executive told me to request for Cash pick up. which I requested. But later, Home Credit deducted the payment from my bank as well as from my home by sending the executive. When I called and tried to solve the matter with the customer, they told that the payment deducted is not updating in their account, but it deducted from my account, I called the executive again, but they didn't told me anything regarding money deduction:
1. I requested for cash pick of EMI, instead of deduction from my account due to less money available in account. Why they processed both the method i.e. Cash pickup from agent and also deduct from my bank account?
2. Why they did not told me anything regarding deduction of money?

Please help me. Atleast i should get a fair response and correct reply from them.
Kindly help me. I'll be highly obliged.

Thanks and regards
Pankaj Jharia
+91-[protected]

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Feb 16, 2017

Complaint marked as Resolved

Home Credit India Finance customer support has been notified about the posted complaint.

Dec 23, 2016

Updated by Pankaj Jharia I have taken loan from Home Credit against Mobile Phone Lenovo P1m, with contract number= [protected]. My EMI due date is 6th to 12th of every month, but due to some reasons I requested the company to take the EMI for December month from my home, instead of deducting it from my bank account with Bank of Baroda.. Customer care executive told me to request for Cash pick up. which I requested. But later, Home Credit deducted the payment from my bank as well as from my home by sending the executive. When I called and tried to solve the matter with the customer, they told that the payment deducted is not updated in their account, but it deducted from my account, I called the executive again, but they didn't told me anything regarding money deduction:
1. I requested for cash pick of EMI, instead of deduction from my account due to less money available in account. Why they processed both the method i.e. Cash pickup from agent and also deduct from my bank account?
2. Why they did not told me anything regarding deduction of money?

Please help me. Atleast i should get a fair response and correct reply from them.
Kindly help me. I'll be highly obliged.

Thanks and regards
Pankaj Jharia
+91-[protected]

Verified Support

Dec 25, 2016

Home Credit India Finance Customer Care's response Dear Sir,

Thank you for your query to Home Credit India.

We definitely understand your concern and apologized for the inconvenience caused.

In reply to your query, we wish to inform you that we have forwarded your query to the relevant team and we shall provide you with an update within the next 48 working hours.

We sincerely hope that the above resolution is to your satisfaction. Alternatively, Please do not hesitate to contact our customer service team phone:[protected], or email:[protected]@homecredit.co.in should you need any further clarification.

Yours sincerely,
Customer Care Team
Home Credit India Finance Private Limited .

Verified Support

Jan 16, 2017

Home Credit India Finance Customer Care's response Dear Sir,

Thank you for your query to Home Credit India.

With reference to your concern, your query has been resolved as we observed from our records that we have not received the payment on time through ECS due to insufficient funds and nor any alternate payment, hence special hit was presented to claim the dues from your savings account as it is part of standard collection legal process and same has been debited from your bank account and updated towards your loan account.

We sincerely hope that the above resolution is to your satisfaction. Alternatively, Please do not hesitate to contact our customer service team phone:[protected], or email:[protected]@homecredit.co.in should you need any further clarification.

Yours sincerely,
Customer Care Team
Home Credit India Finance Private Limited .

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Comments

Triloki Sharma

from Gurgaon, Haryana

Jan 18, 2017

I have been charged extra behalf of actual amount of splendor plus.
I want to know what is the actual price of splendor plus on road. I have paid 34200 down payment and will pay in emi 27890.
So the hero splendor actual price of splendor is 49006 rs so why are you charging a lot.
Please call me [protected]

Home Credit India Finance Customer Care's response, Jan 22, 2017

Verified Support

Dear Sir/Madam,

Thank you for your query to Home Credit India.

We are unable to fetch the contract id basis the details mentioned in your email, we request you to share us the contract id/ Loan account number/CUID/Mobile number/DOB/Full Name to enable us to check and assist you accordingly.

Additionally, we would request you to refer the loan sanction letter for more details.

We sincerely hope that the above resolution is to your satisfaction. Alternatively, Please do not hesitate to contact our customer service team phone: 1800 121 6660, or email:[email protected] should you need any further clarification.

Yours sincerely,
Customer Care Team
Home Credit India Finance Private Limited.

Yaot

from Delhi, Delhi

Nov 16, 2018

I have taken loan from Home Credit against Mobile Phone samsung j6, with contract no. [protected]
Yesterday 15 nov 2018 I made a payment of Rs 1299.96 for the months of nov 11/15/18,
And the same amount was again deducted from my ac on 11/16/18. So, the Home Credit has charged double amount 2599.92 On Nov. instead of 1299.96.
I would like to request to make this issue solve. I would be very much appreciated and happy to hear from you on this regards.
Thanks
contract id- [protected]
phone no- [protected]
email. [protected]@gmail.com