Kapil Chit Funds — harassment for payment.

Address:	Vedayapalayem, Nellore., Nellore, Andhra Pradesh, 524001
Website:	www.kapilchits.com

Hi, i'm monica lives in nellore a city from andhra pradesh. I work for andhra pradesh state government. I've taken a chit amount of rs 10-lakhs from kapil chit funds, vedayapalayem, nellore-524001. And through auction i received an amount of 06-lakhs. And my chit durable time and closing period end's of april/2020. I/we live in a year of nov/2019.in between period of 05-06months for my final chit closing period. Since day one of my chit started, i've been in advance amount and due to my fathers health issues and a slight disturbance at my work place i've fail to pay the dues on time every month from past one year. But i repeatedly clearing my pending dues by 2 to 3months and clearing by pending dues with fines and late payment charges. As of now i need to pay 3months of dues and i'm asking them to give me some time by that i can pay you the amount with all late payment charges included. But now they are threatening me and daily attending my house for payments and harassing me to the core. Yes..! I do agree that i need to pay, but it's a minimum courtesy to give me some space/time. I can understand that it's your job/duty to fill the dues, but you don't have any rights to attend my house daily and giving me a mental torture. A person named mr. Sivakumar purushottam is an collection agent works in kapil chits, vedayapalayem. I'm not exactly aware of his name but i hope i'm not wrong is rising his voice and using abuse language infront of my door every morning. And by these fellows i lost my self respect with my neighbors. It's all fine i'll pay you the dues and clear you all the amounts with late charges will you get back my respect? Do kapil chit funds encourages these kind of employees to show their attitude and rudeness to their customers/clients. Bloody i'm an government employee and moreover i'm a women give me some respect!!! I'm totally burst and these fellows made me mentally harassed and disturbed. They even don't know at what time to ring my house bell they rings my house bell every morning exactly the same when the sunrises. And here comes about the manager mr. Sravan kumar. I'm surprised about how he became a manager to the company my husband went to talk with him/manager regarding the issues happening. The respective manager even don't have a sense of saying to have a seat for my husband this is how you treat an highly educated, aviation employee. I'm promising that i'll pay the amount with charges etc.. But not giving me atleast of time and disconnecting the calls while speaking is this the manners you learn to shows on your customers? I wish as your employees need to know about how to behave with a women. And finally these guys threatens me as they will go to the guarantee houses and to their work places. Do i say that as i wont pay? Or asking to my guarantee will he/she will pay you my dues? At finally i'm the one to pay you my dues for these why you're seeking them and taking out my respect infront of my neighbors who respects me... Respect is a valuable that every human needs, but i don't even get this stuff for taking a chit with this company. For suppose what's your duty if i don't pay you the amount? Let me explain in a brief. If i agrees that i'm unable to pay or i won't pay its your duty to file a case on me to the court, but it's not your duty to sit infront of my door and taking out my respect and my privacy. Sitting infront of my door and threads me like they i'll move once if i give them the money. Mr. Manager it's your duty to collect all the pending amount and at the same time it's your duty to respect the customers and understand their problem to certain limits. Sitting infront of my house worth you anything? I lost my patience to the core if you give me sometime i'll clear my dues if not you have rights to approach a court, but sitting infront of my house and harassing me as i'm women will not gain you anything i hope. Behave like a man hope you have some manners upon a women/customer. Finally i need a clear explanation regarding the issue unless untill i'm not gonna pay my dues. I hope kapil chit fund company will go through this as soon as possible and resolves it as i believe the company will show some respect and gives a moral values to their customers let's count on how many days will the company sort it out. The complaint date starts on 28th-nov-2019. Time 01:09. Thanks i hope in advance.

Note : i have all the evidences of telephone conversation with the manager and how he treats a customer and have all the video evidence of collection agents how they speaks with a customer by standing infront of my house.

Note : the manager charges me for advocate notice charges that they send to me which i didn't receive till the given date. Which means they are placing a false statement for notice charge. Will they send me a legal notice for 3-months???