India Infoline Finance [IIFL] — complaint against loan

Address:

Thane, Maharashtra, 600603

Madam/ dear sir,
I undersigned mr. Ravindra shinde (Pan : bixps3553g)
I had taken loan on 01st nov2007 rs 60000 from iifl, loan account no is 79422 for 3 years having emi of rs 2231. As the repayment duration (Emis) was for 3 years and my last emi was supposed to be the on 01st oct 2010. But bank is claiming that loan repayment is of 48 months and not providing acknowledgement of sanction letter to prove the loan tenure.
Please note i have paid all the dues towards to my loan. My 38 emi was deducted from my bank account through ecs system.
Total loan amount was inr-60000/- repayment loan amount paid by me is inr-84778/
Secondly i have taken one loan only, but bank has provided wrong details to cibil that i have taken two loans. I have raise compliant to delete the duplicate loan record. They took more then four month to remove duplicate entry of loan.

I have signed a loan agreement where it was clearly mentioned that 01st oct 2010 as “date of last emi” and “term of loan” field.

They have come back stating that it was a typo error from their end. If we have signed contract then each party has to honor the same. But they are not honoring the agreement.

After 12 years all of a sudden they had changed the status of loan from “personal loan to business loan” and same was reflecting is cibil. Escalated the same to rbi and providing screenshots for change of loan status from business to personal loan.

Ideally they should have followed up with me to sign a new contract after cancelling the current one. I have not seen any effort in that direction from iffl.

In fact i was following up with them for loan agreement copy from last 9 years.

If this tenure was highlighted to me when i was signing the document, i would have not signed it. I have paid additional 2 emis.

Request your intervention to get the refund of 2 additional emis which i have paid extra and cibil clearance.

Regards,

Ravindra shinde [protected]