| Address: | Mumbai City, Maharashtra, 400012 |
| Website: | www.kissht.com |
15 July, 2018
I bought a Redmi Note 5 Pro on EMI from Top 10 Shop ( Opp. Bhayander East Station, Thane).
As my other Consumer Loans were active at that time from different Finance companies like HDB Finance, HDFC & Bajaj Finance; I have to go for Kissht Finance. As it was my urgency, I was OK with High Interest rates.
Loan was approved in 10 hrs and Got the Product delivered same day itself.
7 August, 2018 was mentioned as my first EMI date and 7th of every month till April for upcoming EMI installments.
7 August, 2018.
EMI was detected from my bank account properly.
7 September, 2018.
EMI was detected from my bank account properly.
Everything was OK till Now.
5 October, 2018.
Received a message from Kissht Finance that your EMI has been bounced.
I received a call on 7th October from Kissht Execuetive and he mentioned that there was some Government Holiday because of which EMI was deducted early, please make the payment of EMI & I will put the bounce charges on reversal.
On 8th October, 2018 I made the payment. Got a Call-Back from the same execuetive so I informed him about the payment made.
5 November, 2018.
No updates on Reversal of Bounce Charges. This time didn't received the EMI bounced message too.
Called the Helpline number, and they told me to do the same. I patiently did the same thing and trusted on the Execuetives to sort my problem out soo.
5 December, 2018.
Same thing happened. Now I decided to sent the mail to the support firm instead of talking to any random execuetives everytime.
This time also same thing they have quoted, but I have decided not to be Scammed anymore.
31 December, 2018.
I received a message of EMI bounced and being charged of 350Rs. as that wasn't my EMI dates and till this time only 1 EMI was unpaid.
5 January, 2018.
Again Same Thing happened. But this time got reply on the Email that I have sent.
But instead of addressing the issue They made a dumb excuse.
The mail which I have sent contains My Name & My Contact Number in the first line itself.
But I got reply that we have tried contacting you your number: 9619****** (which is not my number) Please provide us with your alternate number so that we can connect with you.
Ok, I can digest that they might have my wrong number because of any technical issue.
But what kind of statement is this "Please provide your Alternate number"
I have mentioned my active number in the first line itself.
15 January, 2018.
Kissht Execuetive named as Pramod visited my Place. He addressed the issue to my Mom and Wife (as they have known the issue from the very start) My family has explained Him the problem occuring.
My Mom called me as He was at my place & handed over the phone to me.
He has a conversation with me and insisted to have a talk with his senior named Santosh.
At that time, Santosh told me that He is checking my records in the system and what's wrong.
After putting me on Hold Santosh told me and Pramod (on conferrence) that they will get back to me after checking the issue as it was past 5pm.
16 January, 2018.
Pramod called me and got Santosh on conferrence. Conversation started OK but ended up with Bad Words and Rude Arguement as started by Santosh.
(my mistake: I didn't had the call recording ON)
He threatened me the word "Humlog tere khandan ko phone krke pareshan karenge"
Multiple Calls till: 28 January, 2018 as I tried to pass on my point politely.
I even asked them for Full Settlement, so that they can pursue the further reversal.
Full Settlement Value is 11, 500-ish...
8200 INR - pending EMI Rs 1749 x 5 months.
1400 INR - Bounce charges Rs 350 x 4 months.
-----
9600 INR - Total
But they are asking for 11, 500 something.
when asked what is the difference of 1900 Rs stands for? They had NO ANSWER.
I understand they don't know me personally. That's there job to recover pending money and ignored each and every insult and misbehavior by them.
29 January, 2018.
Received Few Calls from my Old Friends & long back greeted Family Members that someone from Kissht has called them and was threatening and talking Bad things about me. Vinay Chor hai. Badmass company hai.
See as being studied from Finance Background, I understand that Recovery requires Strict Actions.
But was I running somewhere?
Did I switched off my Phone?
Got my Home locked up?
Then why such kind of behavior not only against me but also my Family.
I just required a Normal support.
That's it.
Come on, it's 1750 Rs.
I have Fixed Income of 55, 000 INR
(now some will say why to get things on Loan when you earn good. At that time, I was out of my saving and took loan in the Past for maintaining a Good Cibil Score for my Future home loan)
Involving my Family & Harassing them by calling 10 times a day is not good, Kissht. You can do that to the Real Thiefs who run by taking loan amount but not to everyone.
In this scenerio, you are the thief for me who are bare handly charging me Fraudualent Bounce Charges & Non-Specified charge of 1900 INR.
Atlast, I hereby declare that I am ready to settle all the EMI's pending but with the acceptance letter that Kissht Finance Company is responsible for the inconvenience and harassment happened to me and foremost my family. I request Mr.Krishnan Vishwanathan, CEO of Kissht Finance that instead of just stating of deeper expansion to other parts of the country, pay some focus on the internal affairs and business ethics.
Digital World is not just about Digital Footprints, it's about being Ethically right too.
Was this information helpful?
Post your Comment