PaySense Complaints & Reviews

Hello Team,

I have taken loan from paysense with the interest rate of 26% for 1.19 lakh for two yrs.

This is my second loan or top loan with paysense. First one was completely successful without any issues.

Second time, after two emis I changed my bank where I had done nach /ECS to paysense loan.

I have been telling number of times to paysense that I changed my bank, please accept new bank details so there won't be bouncing charges from first bank. Paysense told me they cannot do it and every month they have been putting additional charges and interests.

Another important thing is that they have got access to all my contacts through paysense app I downloaded and gave them permission to access my phone gallery messages or contacts. They have been continuously calling everyone from my contacts with whom I share personal and professional relationships, some clients etc. They are telling my name and my loan details with paysense and rudely asking them to pay on my behalf.

I have been questioning paysense customer care about this and even mailed, sent on wats app, spoke over phone call, they are not listening to this and say I don't know anything, will check and get back. But calls never stopped. Even yesterday some of my friends some of them not close friends called me and asking why am I sharing their contact number for my loan.

Third point is that I have been requesting them to share a foreclosure statement from very long. They tell me or wats app this is the amount, pay it. They are not sending me any statement or email confirmation and they always ignored to share principal and interest break up, after month's of struggle they sent me yesterday the breakup of statement till date. Which is again not satisfactory to me as it is not having the break up for the rest of the loan period.

I will attaching few screenshots of the proof on what I have.

And about moratorium, I initially opted for two or three months. And in the month of June I sent them email to stop moratorium but they didn't stop but further increased my emi.

First emi was 6436 which got increased by 6721 and again they increased it to 7175.

When I told and paid only 6721 as emi as I didn't opt for second time moratorium, they again started calling my contacts and torturing everyone. Do they have authority to call like this except those I shared as witness? I am having mental harassment by people at least I share a professional relationship with.

My pending loan is about 68 or 70k and the total moratorium charges is 9.5k is it fair percentage, monthly interest of 2.20% ?

My only wish is to settle this amount and come out of this scam where they made me allow them use my data and I feel insecured now.

I want them to share the fair settlement and issue me NOC and stop calling anyone from my contacts.

Nirmala R
[protected]

I have pay my all EMI and all penalty charges I request to You please fore closed my loan and share Noc letar as soon as possible awaited your confirmation mail attached payment screen shot
Ragister Mobile number [protected]

I have taken a small loan through their app.
I have paid all my due EMI on times but they charged me false penalty
when I bring that matter in their knowledge the told me like its just a technical fault and our team working to resolve same
but many month passed away - I cleared entire loan
they have not reverts back false penalty amount

Hi I lost job in July and was not able to pay EMI after the moratorium is over. I wrote to them asking for a settlement offer and couldnt meet the timeline given for settlement. I asked them time till Dec 15. To my horror they are calling several of my contacts and using abusive language. They are sending some people to home too and they are trying to shame and embarrass me.
This is not a finance company. This is just a group of goons. Avoid taking any loan from them and most importantly uninstall their app immediately if you have it on your phone.

I was spoke with customer care person he is using abuse words and stolen my personal contact details and talking abused words with my family...take legal action to them
How you stolen contacts how come people getting my personal details...

Hi Team,
I have lost my job today, i have already submitted the loan application in Paysense. So please help me to cancel my loan application.

Mob: [protected]

Dear Sir/Madam,

I'm very shocked that how many times late payment will be charged?

I was going to process the EMI for the month of Nov, 2020. But I see that paysense had charged extra rs. 590/- for the late payment made for the EMI of October, 2020. Where it was already charged as per below:

EMI Amount: 9088
EMI Paid: 9727/-
Excess Payment: 639

Now why additional 590/- charged? Its shoking...

Kindly resolve the same at the earliest, as I'll be unable to pay the excess amount unless the same will be corrected in paysense app.

Sincerely,

Sandesh Ghimire

My name is Kiran. kiran.[protected]@gmail.com. [protected].
This is to let everyone in the forum know that paysense have been making fools of its customers and there is no contact details as it is a fraudulent organization a scamster. I have paid more money than the interest as per their calculation and even they claimed it they would return back since June 2020. But still their team has not reverted is what they claim. I demand my money back within this friday or I will file an FIR against the organisation and Miss Shabina who was the face of this fraudulent activity.

HI I have taken loan amount of 25k and paid EMI regularly but from August month they moved Moratorium without my knowledge and i have paid August EMI also but still not reflecting in app also september i dont see EMi option and i have sent so many mails regarding this issues but no response .for october month again EMI i have paid but still that also not updated again november also paid but still not updated. but now i am getting penalty charges .Also i informed paysense team to revert me from moratorium as i dont want that option but still nothing happened.I have all the proof with me . Kindly resolve my issues as much as possible.

Hi Team,

Paysense multiple executives calling and threatening to my friends and family members to clear my loan amount where I am coordinating and answering for their calls. Already we were hospitalised due covid positive and physically and mentally not fit. Because of paysense call, we lost our credibility within family and group. I have written multiple emails to paysense team to respond to my emails to confirm on those...

Hi,
My EMI is use to increase by 2.5 K everymonth and my payment status also not updated ..
please refund all extra charges and close my loan immediately.
please let me know process and extra amount i have to pay .

please find below mail conversation which i have been following from paysense from almost 6 month .

i am not getting any reply .

please close my loan

On Friday, 23 October, 2020, 02:14:54 pm IST, KUMAR CHETAN wrote:

PLEASE RESPOND

On Thursday, 22 October, 2020, 12:06:08 pm IST, KUMAR CHETAN wrote:

Dear Concern,

For Oct -20 Month also I have paid 15273 EMI instead of 13273 and as per customer care extra amount was supposed to be adjusted in Nov-20 EMI but now EMI for NOV again is showing 15663.

And still from 7 month payment has not been updated …I am paying something reflecting something customer

Is this the way for making money for paysense ..lot of complain is already showing consumer complain ..i will contact more people who has been charged extra amount and file case together if this issue is not resolved immediately

Inline image

On Friday, 9 October, 2020, 09:33:10 am IST, KUMAR CHETAN wrote:

PLEASE REPLY

On Tuesday, 6 October, 2020, 12:39:30 pm IST, KUMAR CHETAN wrote:

Hi,

Still payment has not been updated and fine has been increased for 5000 ..pending payment is showing 17000

please remove late fine so that i can pay this month EMI

On Friday, 18 September, 2020, 03:00:00 pm IST, KUMAR CHETAN wrote:

Simple question :-

How Long it will take to update ..I am following from last 4 month .

On Friday, 18 September, 2020, 02:44:33 pm IST, Ankita (PaySense) wrote:

##- Please type your reply above this line -##
Your request[protected] has been updated. To add additional comments, reply to this email.


Ankita (PaySense)

Sep 18, 2020, 2:44 PM GMT+5:30

Hi Chetan,

Greetings of the Day.

This email is in regards to the query received for your account - Payment not updated in the APP.

Apologies for the inconvenience caused to you.

We have received the EMI payment for your account. Due to an error, the payment made is not getting settled in the APP. Our concerned team is working on the same and the payment would be settled in the APP. Please don't make any payment against the incorrect penal amount shown in the APP.

Please be rest assured this won't impact your CIBIL nor your account.

I appreciate your patience and understanding in this.

Please check and do let us know if you have any queries.

Regards,
Ankita

Kumar Chetan

Sep 15, 2020, 2:50 PM GMT+5:30

Payment status not updated?

payment status still not updated

Kumar Chetan

Sep 15, 2020, 2:09 PM GMT+5:30

REMINDER -14

On Saturday, 12 September, 2020, 10:03:29 pm IST, KUMAR CHETAN wrote:

REMINDER -13

On Saturday, 12 September, 2020, 03:33:23 pm IST, KUMAR CHETAN wrote:

REMINDER -12

On Friday, 11 September, 2020, 10:01:32 am IST, KUMAR CHETAN wrote:

REMINDER -11

On Tuesday, 8 September, 2020, 09:29:05 pm IST, KUMAR CHETAN wrote:

REMINDER -10

CAN ANYONE UPDATE .

PAID 5TH MONTH EMI ALSO NOT 1 MONTHPAYMENT UPDATED NEITHER FINE HAS BEEN REMOVED BUT INCREASED


Willfile case FOR SAME ASAP IF NOT UPDATED WITHIN THIS WEEK .

On Friday, 4 September, 2020, 02:12:43 pm IST, KUMAR CHETAN wrote:

Still its Not updated nor fine has been removed ….Do you peoplegive this kind of service .

I have been following from last 4 months .You have same reply

On Tuesday, 25 August, 2020, 02:40:31 pm IST, KUMAR CHETAN wrote:

And Payment status not updated in APP.???Also pre Closing process of Loan and Amount required


Kumar Chetan

Sep 12, 2020, 10:03 PM GMT+5:30

REMINDER -13

On Saturday, 12 September, 2020, 03:33:23 pm IST, KUMAR CHETAN wrote:

REMINDER -12

On Friday, 11 September, 2020, 10:01:32 am IST, KUMAR CHETAN wrote:

REMINDER -11

On Tuesday, 8 September, 2020, 09:29:05 pm IST, KUMAR CHETAN wrote:

REMINDER -10

CAN ANYONE UPDATE .

PAID 5TH MONTH EMI ALSO NOT 1 MONTHPAYMENT UPDATED NEITHER FINE HAS BEEN REMOVED BUT INCREASED


Willfile case FOR SAME ASAP IF NOT UPDATED WITHIN THIS WEEK .

On Friday, 4 September, 2020, 02:12:43 pm IST, KUMAR CHETAN wrote:

Still its Not updated nor fine has been removed ….Do you peoplegive this kind of service .

I have been following from last 4 months .You have same reply

On Tuesday, 25 August, 2020, 02:40:31 pm IST, KUMAR CHETAN wrote:

And Payment status not updated in APP.???Also pre Closing process of Loan and Amount required


Kumar Chetan

Sep 12, 2020, 3:33 PM GMT+5:30

REMINDER -12

On Friday, 11 September, 2020, 10:01:32 am IST, KUMAR CHETAN wrote:

REMINDER -11

On Tuesday, 8 September, 2020, 09:29:05 pm IST, KUMAR CHETAN wrote:

REMINDER -10

CAN ANYONE UPDATE .

PAID 5TH MONTH EMI ALSO NOT 1 MONTHPAYMENT UPDATED NEITHER FINE HAS BEEN REMOVED BUT INCREASED


Willfile case FOR SAME ASAP IF NOT UPDATED WITHIN THIS WEEK .

On Friday, 4 September, 2020, 02:12:43 pm IST, KUMAR CHETAN wrote:

Still its Not updated nor fine has been removed ….Do you peoplegive this kind of service .

I have been following from last 4 months .You have same reply

On Tuesday, 25 August, 2020, 02:40:31 pm IST, KUMAR CHETAN wrote:

And Payment status not updated in APP.???Also pre Closing process of Loan and Amount required


Kumar Chetan

Sep 11, 2020, 10:01 AM GMT+5:30

REMINDER -11

On Tuesday, 8 September, 2020, 09:29:05 pm IST, KUMAR CHETAN wrote:

REMINDER -10

CAN ANYONE UPDATE .

PAID 5TH MONTH EMI ALSO NOT 1 MONTHPAYMENT UPDATED NEITHER FINE HAS BEEN REMOVED BUT INCREASED


Willfile case FOR SAME ASAP IF NOT UPDATED WITHIN THIS WEEK .

On Friday, 4 September, 2020, 02:12:43 pm IST, KUMAR CHETAN wrote:

Still its Not updated nor fine has been removed ….Do you peoplegive this kind of service .

I have been following from last 4 months .You have same reply

On Tuesday, 25 August, 2020, 02:40:31 pm IST, KUMAR CHETAN wrote:

And Payment status not updated in APP.???Also pre Closing process of Loan and Amount required


Kumar Chetan

Sep 8, 2020, 9:29 PM GMT+5:30

REMINDER -10

CAN ANYONE UPDATE .

PAID 5TH MONTH EMI ALSO NOT 1 MONTHPAYMENT UPDATED NEITHER FINE HAS BEEN REMOVED BUT INCREASED


Willfile case FOR SAME ASAP IF NOT UPDATED WITHIN THIS WEEK .

On Friday, 4 September, 2020, 02:12:43 pm IST, KUMAR CHETAN wrote:

Still its Not updated nor fine has been removed ….Do you peoplegive this kind of service .

I have been following from last 4 months .You have same reply

On Tuesday, 25 August, 2020, 02:40:31 pm IST, KUMAR CHETAN wrote:

And Payment status not updated in APP.???Also pre Closing process of Loan and Amount required


Kumar Chetan

Sep 4, 2020, 2:13 PM GMT+5:30

Still its Not updated nor fine has been removed ….Do you peoplegive this kind of service .

I have been following from last 4 months .You have same reply

On Tuesday, 25 August, 2020, 02:40:31 pm IST, KUMAR CHETAN wrote:

And Payment status not updated in APP.???Also pre Closing process of Loan and Amount required


Mayuri (PaySense)

Aug 26, 2020, 1:29 PM GMT+5:30

Hi Kumar Chetan,

Greetings from PaySense.

With regards to your query on EMI not updated, this is a known issue. Do not worry, we have received your payment and will be updated in the app soon.

I understand your concern that you need to foreclose the loan but there is a minimum requirement of successful 6 EMI payments. I am sorry to say but currently, you do not fulfill the minimum criteria you will have to wait until 6 EMI are paid and updated in the APP.

I appreciate your understanding in this matter.

Feel free to contact us If you have any other concerns.

Regards,
Team Paysense

Note: Foreclosure is accepted between 10th to 22nd of every month.

Kumar Chetan

Aug 25, 2020, 2:40 PM GMT+5:30

And Payment status not updated in APP.???Also pre Closing process of Loan and Amount required


Mayuri (PaySense)

Aug 25, 2020, 1:38 PM GMT+5:30

Hi Kumar Chetan,

Greetings from PaySense.

We are sorry to inform you that we have not received an update from the concerned team with regards to the late payment charges. It is a known query. I request you to kindly wait and will update you when we will have a proper update on the same.

I appreciate your patience and understanding in this.

Regards,
Mayuri

Kumar Chetan

Aug 24, 2020, 10:39 AM GMT+5:30

Awaiting for reply regarding paymentupdate and remove my fine charges .

Please let me know process andAmount to close this loan …I wanted toclose this loan immediately

On Thursday, 20 August, 2020, 06:33:33 pm IST, KUMAR CHETAN wrote:

How many more seven daysrequired .

Listening from last 3 months.


Kumar Chetan

Aug 20, 2020, 6:33 PM GMT+5:30

How many more seven daysrequired .

Listening from last 3 months.


Mayuri (PaySense)

Aug 18, 2020, 12:59 PM GMT+5:30

Hi Kumar Chetan,

Greetings from PaySense.

Please accept our sincere apologies for the inconvenience caused to you with regards to the late payment fees.

We have forwarded your request to our concerned team and requesting you to wait for the next 5 to 7 working days and if you see any late payment charges please do not make the payment.

Until then please bear with us.

I appreciate your understanding in this matter. Feel free to contact us If you have any other concerns.

Regards,
Mayuri


Mayuri (PaySense)

Aug 14, 2020, 2:14 PM GMT+5:30

Hi Kumar Chetan,

Please accept our sincere apologies with regards to the late payment fees.

I have escalated to the concerned team on the same and will update you on the same once I get a revert from them. I request you to kindly wait until then.

I appreciate your patience and understanding in this.

Regards,
Mayuri

Mayuri (PaySense)

Aug 12, 2020, 10:44 AM GMT+5:30

Hi Kumar Chetan,

Greetings from PaySense.

We are sorry to inform you that late payment fees is a known issue and I have already escalated it to the concerned team and we are working on the same to get it fixed as early as possible.

Until then please bear with us.

I appreciate your understanding in this matter. Feel free to contact us If you have any other concerns.

Regards,
Mayuri

Kumar Chetan

Aug 11, 2020, 12:53 PM GMT+5:30

Hi,
As per below mail ..
Paid EMI other than fine charges .please arrange to reflect in App and remove fine .
thanks


Mayuri (PaySense)

Aug 10, 2020, 12:08 PM GMT+5:30

Hi Kumar Chetan,

Greetings from PaySense.

Please accept our sincere apologies for the inconvenience caused to you with regards to the late payment fees.

We have forwarded your request to our concerned team and requesting you to wait for the next 5 to 7 working days and if you see any late payment charges please do not make the payment.

Until then please bear with us.

I appreciate your understanding in this matter. Feel free to contact us If you have any other concerns.

Regards,
Mayuri


Kumar Chetan

Aug 7, 2020, 6:10 PM GMT+5:30

Hi,

Please read below pointers carefully and reply

· Why late fine has been charged for 1180 RS whenthere was delay from paysense side in updating payment, I will not able to payfine kindly remove and update balace amount .

· How is it possible where payment is due and penalty has been updatedproperly andprevious payment you are not ableto update from last 2 month .

· Can youshare some deadline, other thanescalation .

· Last sorry to say please do not reply same thing…I already have escalated and it will be updated Soon

I will be waiting till Monday if my fine has not been removed and paymentwill not get updated, I will be filing case in consumer court .i cannot sendmore mails

thanks


Mayuri (PaySense)

Aug 5, 2020, 6:42 PM GMT+5:30

Hi Kumar Chetan,

Please accept our sincere apologies with regards to the late payment fees.

I have escalated to the concerned team on the same and will update you on the same once I get a revert from them. I request you to kindly wait until then.

I appreciate your patience and understanding in this.

Regards,
Mayuri

Kumar Chetan

Aug 4, 2020, 8:21 PM GMT+5:30

Hi mayuri please read mail properly nd den reply
I have asked for late fine .why should I payif last payment was not updated.
Please share dedline to update payment.
Don't reply with excuses u have escalated issue which I m hearing from last 2 month
Else please share your senior number if you are not capable to solve issue.
On Tuesday, 4 August, 2020, 01:42:45 pm IST, Mayuri (PaySense) wrote:

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Mayuri (PaySense)

Aug 4, 2020, 1:42 PM GMT+5:30

Hi Kumar Chetan,

Greetings from PaySense.

I have already escalated your case to the concerned team to get updated your last 2 payments at the earliest. I request you to please be patient with us while we work on the issue.

further, We are sorry to inform you that currently due to some technical reasons we are unable to provide loan foreclosure details.

I appreciate your understanding in this.

Feel free to write back to us in case of any further queries.

Regards,
Team Paysense


Kumar Chetan

Aug 3, 2020, 9:01 AM GMT+5:30

Hi,
Please remove my late fine .
I can't pay late fine..late payment was done since my last payment was not updated why it not been updated till date and why last month late fine has been added to Aug emi .
Please let me know amount required to close this loan in this situation I can't carry loan for next 9 or 10 months.

On Monday, 3 August, 2020, 08:49:17 am IST, Support Team (PaySense) wrote:

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Kumar Chetan

Aug 3, 2020, 8:49 AM GMT+5:30

Late Payment Charges & Penal Charges

my due date is 5th Aug ..why 1180 fine has been charged

Kumar Chetan

Aug 3, 2020, 8:46 AM GMT+5:30

Hi,
Sorry to tell you I will go to consumer court.
There is no technical issues in charging late fine (I have paid late since my last payment was not updated)
There is no technical issues in updating due amount .
Please remove late fee and update my payment else there is no option after this much of follow up .
Thanks
On Saturday, 1 August, 2020, 01:26:28 pm IST, Mayuri (PaySense) wrote:

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Mayuri (PaySense)

Aug 1, 2020, 1:26 PM GMT+5:30

Hi Kumar Chetan,

Greetings from PaySense.

I am truly sorry for the unexpected delay in our process and the events leading to an unpleasant experience for you.

I have already escalated the case to the concerned team and I will update you on the payment status once I get an update from the relevant team.

I appreciate your patience in the interim.

Regards,
Mayuri

Mayuri (PaySense)

Jul 29, 2020, 6:27 PM GMT+5:30

Hi Kumar Chetan,

Greetings from PaySense.

I truly understand your concern with regards to the EMI payment. However, not paying EMI on the due date, will lead to an increase in the penal charges. Hence, request you to make due payment of your upcoming EMI.

I have already escalated your case to the concerned team to get updated your last 2 payments at the earliest. I request you to please be patient with us while we work on the issue.

I appreciate your patience and understanding in the interim.

Regards,
Mayuri

Kumar Chetan

Jul 28, 2020, 9:27 AM GMT+5:30

Hi,
Thanks for reply .
I have started getting Payment reminder for next month .please advise why should I pay without getting updated for last 2 months .

Hi KUMAR CHETAN, EMI for your PaySense loan is due on 5th Aug 2020. If you are financially impacted by COVID-19, please go through our updated policy for Aug 2020 here : https://bit.ly/3489EqX. Please ignore if your last EMI was in July 2020.


Mayuri (PaySense)

Jul 27, 2020, 3:01 PM GMT+5:30

Hi Kumar Chetan,

Greetings from PaySense.

I understand your concern that your EMI payment is still reflecting to be under processing. However, this is a technical issue and I have already escalated the same to the concerned team and I am truly sorry for the unexpected delay in our process and the events leading to an unpleasant experience for you.

We need more time to research your complaint. The company takes your complaint seriously. We are currently working on your issues and will respond when completed.

I appreciate your patience and understanding in the interim.

Regards,
Mayuri


Kumar Chetan

Jul 24, 2020, 8:49 PM GMT+5:30

Thanks for atleast some logical reply.
But still after reply of 4 days nothing has been done ..and after 10 days u people will start following for next month emi ..on which faith I should pay .
Please share your senior direct number so that I can explain my queries
On Wednesday, 22 July, 2020, 02:01:04 pm IST, Keshav Naicker (PaySense) wrote:

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Keshav Naicker (PaySense)

Jul 22, 2020, 2:01 PM GMT+5:30

Hi Kumar Chetan,

Sorry for the delay in reply and for the inconvenience caused to you.

I do understand your concern that despite making the proper payments your payments are under processing. However, I have addressed your case to the relevant team and the payments will be settled in the App.

I am so sorry that I have not yet provided a resolution to you within the committed time. Although we strive for 100% customer satisfaction, it’s clear we’ve fallen short in this instance – and that’s unacceptable.

I have re-escalated the case with the concern team. Please be assured we have received complete payment from your end on July 2020 and the same has been updated in our system. This will not impact your Credit Profile.

Your patience is highly appreciated in the interim.
Regards,
Rukmani R

Kumar Chetan

Jul 21, 2020, 10:48 AM GMT+5:30

It's more tha 2 months not 4 or 5 days .
Please reply
On Monday, 20 July, 2020, 08:52:39 pm IST, Support Team (PaySense) wrote:

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Kumar Chetan

Jul 20, 2020, 8:23 PM GMT+5:30

how much time is required to update pay5in app.
please let me know will message after that please dont reply with excuses of technical issues it can't be for 2 months

This email is a service from PaySense. Delivered by Zendesk

Hello it's Nandini Sutradhar I have taken 2 loans from paysense where 1 loan is been completed now on February I took other loan from paysense and I am paying EMI on time but this month due to the app and website issues I couldn't pay my emi I have mailed many times with all the screenshot but this recovery agent and paysense team Ankita, Sonam, Saurabh, an all who is working for paysense they have access my contact information and giving harassment calls to all my family members and friends . I would request to take kindly action on it as I am paying my EMI I am not running anywhere. If I took loan so I need to pay . Just you guys need to speak politely instead of making harassment calls.

I have paid my Installments on time and my loan is now closed successfully. I have been emailing since last week for a NOC confirming Loan closure but you guys are least bothered. You guys would call like hell for due payments. But when we require assistance, you don't care. I am requesting you for one last time, please email me my NOC on priority. I have also raised a request through your not so friendly app.

Please respect and help.

My dad continuously receiving call from [protected] this number. that person name is vijay. he is using abusive language. we never applied for any loan. he threatened my dad and also used abusive language with me also. my dad's bp shoots because of his language and continuous calls. last week i called on that number and tell your executive that we never applied any loan and requested her not to call my dad but today again person named vijay called my dad and used abusive language. i request you to take strict action against him.

Myself Naveen, I have taken personal loan from paysense and I am paying emis regularly from last one year and because of sudden lockdown I have opted for moratorium as per RBI declared and again i have started paying EMI from september and from October 2020 they are asking excess EMI amount Rs 9346 and the actual one is Rs 8382. When we raise mail to paysense they wont respond and their customer care will not work but collection executives keepon calling us for excess EMI.

We family members are getting continuous calls from people saying they are from Pay sense. and asking us to pay loan amount. but we didn't take any loan. Their number is [protected]. Continuously they are calling our relatives but not to our family.

Hi
my name salman hussain i have been take 25k loan from paysense app on Dec2019 and i had made paymant 3 to 4 emi after lockdown we will not pay any emi
today morning recovery agter come to my home address and force to pay emi and banging to my house and Spoiled my honor, And took me to the police station,

Respected Sir,
My name is Rajendra Chawhan
maine paysense nbfc company se personal loan lia hu, but abhi jobless hone ke karan me abi emi pay nahi kar pa raha hu..

Last 2 month se mujhe bahut recovery agent ke call aye the or bahut pressure kiya, mujhe mentally bahut torcher kiya, maine last two month me apna gold chain bejke EMI bhara tha, ab tak sabhi EMI clear kiya hu lekin abhi to halat bahut kharab he or...

Hi my name is Reshma and I applied online loan from paysense. After submitting my Pan number, Aadhar card and other documents my loan got approved for 2 lacs on 5th September 2019 and I was told that I will have 24 Emi's, However I only received 1, 90, 440.00 rupees in my account and was later told that 1300 rupees is the partial interest and 8260 is the processing fees. The real problem started after I opted to take EMI Moratorium as I had lost job and didn't had money to pay the EMI. In month of September paysense tried debiting the amount from my bank account however it got bounced due to insufficient funds. I requested them to give me some time to pay the EMI however I started getting harrassed by the customer service representative who kept calling me also, they hacked my whatsapp contact numbers and phone contacts and tried calling all my friends and relatives stating I have taken 5 lacs loan and not making payments and also harrassing them. Later I arranged the money and paid the EMI however o noticed that my EMI from 24 Months has been extended to 31 months. There is no phone number for the paysense to contact, the only way I could contact them is by sending an email to [protected]@gopaysense.com after repeated emails I finally received a response stating "Paysense has provided me with the moratorium facility from April to August month i.e for 5 months hence, my loan tenure has been extended by five months i.e from 24 months to 29 months. Also, 2 more months has been extended i.e 31 months in which paysense is collecting the moratorium interest from me". This is totally wrong and fraud, how can my Emi's from 24 Months will change to 31 months. Also, there is no proper response from the customer service team and hard to reach them. I kindly request you to please investigate and help me get out this problem. My Loan account number [protected]. Looking forward for your help.
Thanks
Reshma

Hi Team,
My Loan account number [protected]. I have taken a 2 lac loan from Paysense however I only received 1, 90, 440.00 Rupees. I was told I shall have 24 months EMI however the app show's 31 Emi's. When checked with the email customer service the Information I got shocked me. They said since I have taken EMI Moratorium that is why they have extended 5 months EMI and another 2 months of EMI they are taking interest. This is totally insane how can the EMI get extended without my knowledge and how will it become 31 instead of 24 I would like you to please investigate and help me to close this loan account. Also, if I would like to pre-close the account.
PFA the screen shot of the details from the application.

Yours sincerely
Reshma
[protected]
[protected]@gmail.com