[Resolved]  Kotak Mahindra Bank — Spln62967002

Address:

kotak mahindra bank Egmore branch

Dear Sir/Madam

Due to COVID 19, have availed moratorium (March to August), have paid my March 2020 EMI, but i have been approve only 4 Month Moratorium, which is April 2020 to July 2020, my August 2020 emi was rejected, and no information is been shared, i came to know when collection staff called stating you have an EMI bouncing, then i started to enquiry why its not got approved, no resolution i got from the loan processing office Mr. Raja, then so many collection staff called for following up for repayment alone, but no one came out to solve my issue from October, finally, on the enormous torcher and abuse, i tried and paid two month EMI on April i gave a commitment on Feb month stating by April i would clear 2 month EMI and also i did it, on which Mr. Palani gave a commitment stating that my penal charges would get waived by april 2021 month of 9k and rest would be done in may 2021. nothing had happened, and for full may month i followed him and his manager Mr. Vivek non of them responded to my query either by mail or by whats up, i have proof of the both, then i said if its not resolving i am holding my EMI for the month of June, which i did, and then to no resolution made to that, and gain same collections staff called did the same abuse, and one gentle man informed to pay the EMI and do all the necessary action so that you would have hold stating not skipping the emi, by that same i paid the emi,
and for 7 Month delay repayment they have charged me around Rs:32, 000/- as bounce charges and over due interest charges, from May month i tried to sort it out with so many staffs, like Mr. Palani, Mr. Mani, Mr.Vivek, Mrs suganya, and so many others i could recall the names,

My complained details for resolving

1. i have been charged Rs32000/- ( which was mentioned on my statement) why am i charged so much.
2. my EMI date is 5th and every month i have balance in my account on 2 or 3rd of each month, you can verify it on my bank account. why its not getting deducted on monthly 5th, rather on that date it is getting debited on or after 10th of each month why, for which i tried to get an service request raised, but non of them did it, every body said i would check do the needful.
3. what is my mistake to take up the bounce charges and over due interest.

i have tried to resolve the issue from October and i have paid my 2 month EMi on april since then i am trying to resolve the issue
like tired phone banking customer support but no resolution they were to do.
tried customer grievance but Oops! Something went wrong and couldn’t process your request. Please try again later. for last two days its says the same thing.
tried the loan processing office no use. spoke to him Mr.Mohan for 44 minutes.
tried with collection staff no use.
tried with mobile app it say site is under maintenance
what should i do to resolve this issue, and i am very clear i will not pay the bounce charges and over due interest.

like wise let me know what kotak has taken forward to resolve my query