Kapil Chit Funds — chit amount and issue of n. o. c

Hyderabad

From:-
N.Chandra sekhar, Chit No.FKUT15J-37
To
The chairman & directors,
Kapil chits (Hyderabad)pvt.ltd.
Telangana.
SUBJECT: TO REQUEST FOR CLARIFICATION OF CHIT AMOUNT AND INFORMING ABOUT WRONG DOING OF SOME EMPLOYEES OF KAPIL CHITS (HYDERABAD)PVT.LTD.AND REQUESTING FOR ISSUE OF N.O.C . RERGARDING.
Respected Madam/sir,
With due respect and humble submission, I want to kept some information in front of higher official of kapil chits, (Hyderabad) pvt.ltd.
1. I joined in your kapil chits on 26/11/2014 chit No. FKUT15J-37(broken chit duration from september 2014 to fifty months, chit amount 500000/-), regd.office D.No.3-6-9/10, 1st floor, above corporation bank, vevekandanagar, kukatapally, (KUSHAIGUDA Branch), Hyderabad, I paid said amount to foreman authorities time to time . I was prized on 10/04/2015, IOB cheque No.32961 sum of amount 2, 85, 515/-Rs (two lakh eighty five thousand and five hundred Rs only). As prized subscriber, I was paying installments time to time through Shri.Laxminarayana who was appointed as your collection executive in kushaiguda branch, Hyderabad.i paying the money to your authorized person Shri.Laximinarayana, and he giving the receipts, some times then and there, some times next following days or next day, because of some times receipt machine was not working as said by him. In this way I paying money through Shri.Laxminarayana some times I directly paying the money in kushaiguda branch.(related receipts enclosed with this request).
2. After some months later I have to paid two months installment, that time may be I have to pay at branch with penalty, but that time foreman authority Shri.Laxminarayan came to my office for asking installment. I requested him “please come tomorrow and collect the money”. He agreed and next day came to my office and I paid him 18000/-Rs (eighteen thousand Rs only).After paid the money, I asked for the receipt, then Shri.Laxminarayana said “sorry sir receipt machine is not working, I will give you receipt later”, then I asked “how it was brother I paid two months installment as you said with penality”, then he said “sir previous some time also due to some technical problem I could not gave you the receipt, but next time I handed over to you please trust me”.
3. In this above his requests and as per previous attitude showing as innocence by him as next days giving the receipt, I agree with shri.Laxminarayana. Some days later I received a phone call from kushaiguda, Hyderabad branch, they said that my installment was due.
4. I was stunned and went to the branch, I met with Shri veeranna, and branch manager and concerned staff, I informed them about money paid to Shri.Laxminarayana and could not get the receipt, then they said ‘’we does not received the money ‘’then I asked them ‘’please call Mr.Laxminarayana”, they said that Shri.Laxminarayana left the job. I asked them what about my money which I paid to Shri.laxminarayana, they replied “with out receipt there is no use of ask’’ and they were not saying any information about Mr.Laxminarayana.
5. I was surprised and asked your authorities, “how is that possible without any verification, address proof or any guarantor, your official offered and kept in a job as money collection executive”. I requsted them for Mr. Laxminarayana’s address, and was refused by your officials to get the address. I completely felt in decade, I again and again went to the branch and paying the installments and requested concern officials, and got some information from your officials that Mr. Laxminarayana did that type of manner with other prized and no prized subscribers. I asked about my money to your officials, but they did not agree to talk about that money which was I paid, in this way I was defaulted by some of your officials. And I paid installments 160000/Rs, up to December 2015. As per evidence a photo copy attached with this request.
6. As by the above reason I felt in depress and asked your officials please settle my amount then only, I will paid next installment. Some days later an official rang a call by phone, saying him self named Mr. kalaprasad from legal cell of kapil chits and I have to paid 60000/-Rs(sixty thousand rupees).I felt in an inappropriate depth. And I went to the kushaiguda branch, asked the officials to paid the rupees which was my installment given to Mr. Laxminarayana, they refused and they said “now there is no any connection to you with us, consult with legal cell of kapil chits”. And they could not able to inform proper address of legal cell also.
7. In this duration my guarantors informed me that the legal cell official Mr. kalaprasad saying with some un parliamentary language and warned them for money, with in effect I ranged to Mr. kalaPrasad please don’t say any thing to my guarantors I will pay money. And he demanded 60000/rs a sum amount whole of part, I am going to paid that money a part of three times in duration near about thirty five days, at first time I paid him 10000/-(ten thousand rupees), and I asked for receipt, he said first you have to pay full payment then only receipt should be issued.
8. I felt in blank, now what can I do? How can I manage this situation ?. they treating me as a defaulter, again and again using some hard and slum language, in this situation I was agreed through an emotional blackmail, by Mr. kalaprasad. And I paid the money sixty thousand rupees. After that, I asked for the receipt and manage my feature installments through kushaiguda branch. He issued only 10000/-rs receipt one time and 20000/- rs receipt one time, then I asked for another receipt sum of amount 30000/-rs he asking for time but not issuing the receipt. Again and again I asked for receipt and he asking some time to issue. I asked his office address, but he did not informed. At last I asked him please give my receipt otherwise I am going to complaint upon you, then he join his hands and bowing himself in front of me, and said this words “sir already i left the job, don’t do that complaint, I gave you a cheque sum of amount 30000/Rs, which receipt was could not given to you by me’’.Then I asked him ‘’what is this rubbish, how can I took this” and I requested ‘’please arrange my receipt, ”then he said ‘’sir just now this time there is no money with me, I have two children please give some kindness upon me, and don’t go for complaint. Here I want to inform you, I am Ex Army person I always moving with kind and among with people who one requests me, I emotionally felt into that requesites, because of this type of kindness at first I felt in as non paying prized subscriber by Mr.Laximinarayana of foreman authority and second Mr.kalaprasad legal cell employee. Above this way Mr.kalaprasad handed 30000/Rs cheque, which was without dated.which Xerox copy attached with this request.
9. As I stated in above para 9, whichgiven address by Mr. kalaPrasad, I went to chits legal cell at near of the R.T.C. cross road, but their office moved to another place. After that when I traced their office at dilshuknagar, asked about Mr. kalaprasad, they were said, he left the job. Then I asked them, what about my receipt?, then they convinced me by this words ‘’no problem we hold a fixed deposit of Mr. kalaprasad it 30000/Rs should be credited in your chit installment”. I could not received 30000/Rs receipt then also legal cell official, or money collective executive coming to me and collecting money. In this way up to May 2019, I paid money to collection executives or officials( just likeMr.Laxminarayana, Mr.veeranna and to branch, Mr.Ramesh, Mr.Amarender and Mr.goutam), sum of rupees with receipts 160000+281000=441000, including non received receipt amounts at first and second 18000+30000= 48000/Rs, total 441000+48000=4, 89, 000/Rs. Total I paid up to May 2019 four lakhs and eighty nine thousand rupees.
10. In month of February 2020, at my absence of my duty time, self they saying they came from kapil legal cell and they informed to my guarantors saying that Mr.chandra sekhar has to pay 4, 80, 000/Rs. (Four lakh eighty thousand rupees), I am asking your higher authorities, is it fair?. Then and there I rang to that person who came to my office and met with my guarantors, I asked him with out information to me, How would you go to my guarantors for a long time near about 11 monts later, asking 4, 80, 000/Rs and defarming me in front of my coluges, then and there I approached legal office of kapil chits at street No.8 Habsiguda, there situation was in another way, they showing hand written paper and asking 3, 80, 000/Rs. even they were not ready to listen and not want to see my receipts and started emotional black mailing. I fade up with this type of some kapil chits HYD.PVT.LTD.officials.
Therefore I want to know some information from you higher authorities as following…
A. Is it right as per did by your respected some employees?
B. Is my complaint solved through consumer complaint, not regulate chit ac.1907531 on 26th March 2016? (A true copy of complaint attached with this request).
C. By hand a written complaint not taken by branch manager, is it right?
D. When I visit to the branch at kushaiguda, I wish to see my installments, branch refused is it right?
E. After paid of Rs. 4.89, 000/, your employee came to my office and damanding4, 80, 000/Rs is it right?
F. Again and I complaining in branch office and your legal authorities of your kapil chits, still they won’t solve my problem is it right ?.
G. is there any humanity values having some of your employees, cheated me, blackmailing, un parliamentary words is it right?
H. I was defaulted by some of your employees, was I have right or not to ask my which not given!
I. Mr. Laxminarayana and Mr.kalaprasad were proved guilty in front of your employees but, there is no decision of my money, is it right?
J. There is no decision of my money, but I paid that which were my installments !

Therefore I requesting you please justify my request as per my entitlement and which was applicable to me, and please adjust my amount in chit installments, and issue N.O.C. as soon as possible.

Thanking you sir,

Yours faithfully


(N.chandrasekhar)
Chit No.FKUT15j-37
Copy to:-

1. Deputy registrar of chits/arbitrator,
2. Branch manager, kapil chits kushaiguda branch.

Respected chairperson and directors please solve my problem as soon as possible