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Even I too have the same issue with Gold Purchase Scheme. While taking the scheme, they told that I will be paid one month installment after
Completion of 12 months. I have started this scheme on Feb and on July they came up with some RBI Rules excuses. They told that the scheme will be maximum 11 months and after completing 11 months I can purchase the gold with the total amount what I paid & there is no installment will be paid. Instead of that they will give some discount on making charges it seems. They have taken the order design of ornament in advance. Gold market rate decreasing day by day. So how would they adjust the pay on the gold rate while purchasing & more over no installment will be paid. So I feel this is some kind of cheating!!!
Completion of 12 months. I have started this scheme on Feb and on July they came up with some RBI Rules excuses. They told that the scheme will be maximum 11 months and after completing 11 months I can purchase the gold with the total amount what I paid & there is no installment will be paid. Instead of that they will give some discount on making charges it seems. They have taken the order design of ornament in advance. Gold market rate decreasing day by day. So how would they adjust the pay on the gold rate while purchasing & more over no installment will be paid. So I feel this is some kind of cheating!!!
THE SAME IS MY CASE WITH THEIR KAROL BAGH OFFICE. MY CUST ID IS [protected]. COMPLAINTS FALL ON DEAF EARS. JUST CHEATING COUPLED WITH MISBEHAVIOUR OF LOWER STAFF NOT UNDERSTANDING HINDI OR ENGLISH PROPERLY.
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+91 48 7243 7333
TC 32 / 204 / 2, Sitaram Mill Road, Punkunnam, Thrissur, Kerala, India - 680002
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Saving scheme pros n cons
pros
Getting bonus - approx 14%, we were told some RBI rules does not allow them to continue to scheme for more than 11 months, I had joined for two years, after paying 18 months installments, they said you need to close it, was not given the third bonus.
At the time of signing up for the scheme, they promise lot of things about the service etc..
Cons:
Kalyan treats you like - if you want to buy, kind of... treatment as we have already blocked because they have made the selling at the time of we joining the scheme.no proper support in showing the available options, we need to run around in the showroom to select..
Especially for Gold Scheme customers :They are only interested in selling ornaments with high making charges, they were pushing us to go to Diamond section and Chettinnad section - 26percent making charges
For Gold Scheme customers they Need to close the entire amount the same day of closing - we need to compromise on the designs available in the showroom
They do not want us to buy coins as there is no making charges and they say stock is not there and that we need to give order.. such a big jwellerer saying that there is no stock of coins.. later after arguments, they come with denominations... so that they get moulding charges on each coin...
another learning
when there is very high demand or the price is low, they try to show case their non selling models or designs - never go when the price bottoms