Mahindra Finance — Levying heavy interest on interest on my car loan

Address:

Gopalpur

Hello Sir/Madam,
It was the disputed EMI for four(4) months in 2020( Moratorium period). Months: April, May, June & August.(in july I paid manually) I had to pay EMI in Rs. 13750/- but I could not paid due to job loss.
They, Mahinda & Mahindra Finance Ltd.(My NBFC) did not ask me for whether I am interested or not in moratorium or extension of my EMIs. They automatically fix the moratorium and added interest on my existing EMIs and exceeded to Rs. 21467/- instead of Rs. 13750/- for four(4) months which will effect to the last four(4) EMI. Difference: Rs. 7717/EMI.

Total Difference amount to pay: Rs.30868/- (4 month EMI) I have contacted
many times by visiting their office and by telephonic conversations.(I have the conversation record). They replied when the amount was not deducted from your account, then why did you not contact Mahindra. Yes right I have not contacted the Mahindra during the months. But neither my relationship manager nor any staff from the NBFC informed me earlier about upcoming Penalties. If I had known about Penalties, I would have made money from anywhere and pay the EMIs on time. I just had the knowledge of Cheque bouce charges which deducts when EMI delays.

I have also contact RBI banking ombudsman and complain against Mahindra. They verbally told me to settle from your side and I tried to settle by visiting the my Branch but the zonal manager/Manager MR. Deepak refused to settle. I was completely harrased by them.
After that I have writen and complain and deliver to the branch to look in this matter and settle the amount and one copy is mailed to Mr. deepak.
After that he was rotating me and finaly he refused by saying that sms was sent to you and I have not respond that( he send me the sms delivery report).
RBI has closed my complain by saying mahindra has no fault.
Complain No.:[protected]
Complain date:04/10/2021

Therefore you are requested to look into the matter and
resolve the issue as soon as possible .

Thank You Sir/Madam
Avinash Kumar Singh

Loan account no. 5792999