| Address: | XU3, 201310 |
| Website: | rilfinance.com |
My name is brijendra nath dixit s/o rajendra prasad dixit, pan - aljpd9866f, i applied for loan against property on 24th november 2019 through online channel of reliance finance limited “rilfinance.com” for amount of 800000.00/- duration of 60 months with 6.99% roi per annum, however after applying almost 1 month gone and every day get to know new tax amount to be pay by me to get requested loan amount, and now i feel seems i got cheated by reliance finance limited or there agents, below are the steps day to day basis happened with me and till now i did not get requested loan amount.
24th november 2019
I applied loan against property through on line channel with reliance finance limited, after applying i got message as well as whatsapp message from number [protected] and asked for details with name, aadhar, pan, account details once i replied with details instead got response from same number with approval details and ask for the processing fee of 5500/- in beneficiary account [protected], ifsc karb0000579, reliance finance limited. And as normal procedure i make payment through neft from my saving account upi ref no[protected], after confirmation agent mentioned in message sir you loan amount credited soon. And in next message from same number and ask for intercity charge of 6839/- for loan amount since bank located in mumbai and my address is from uttar pradesh he convened me and said all amount will refund within 3 days after loan and your cheque ready to credit i make the neft payment in same account as mentioned above (Upi ref no –[protected]. And he send me epay order details with sbi greater mumbai cheque cth1788586 account number[protected] dated on 24th november 2019. Immediately i got message from agent since that amount more then 300000.00/- so unable to transfer amount to complete i have to 24999/- pay as transection charge them cheque amount will be transfer, instead i pay i was trying to convince him to not to pay that amount since that is huge amount for me, he tried to convince me to pay that amount.
25th november 2019
Since i did not convinced with him, so ask him to cancel my request and initiate the refund of amount (5500+6839), but continues he fours me to make that 24999/-, then agent message me i[censored] cancel loan request then we will not refund your amount, and after that did not get any messages from the same number.
27th november 2019
I sent sentiment message to the same number and complaint him why not informed me about all the charges well in advance since not seen any such information on online too.
I also complaint in consumer forum with all details on same day.
29th november 2019
I got a call from reliance finance limited agent ajay chaudhary ([protected]) with normal greeting and apologies and asked me for the complaint which i made and he convinced me and told me that person miss guided and reliance terminated him, and asked me to send all the details which u gave him, i provided him all the details and he promises me that no other amount to be paid just re-approval, after that i follow-up with him 4th dec’19 to 6th dec’19
07th december 2019
I got call from ajay chaudhary from different number, and ask me to reconfirm if i am ready to process further my loan request and i agreed for the same and got re-approval number (Bnd[protected] and asked me to pay amount 7500/- which is also refunded within 3 days along with the amount which i paid earlier. I paid that 7500/ amount in pft service a/c number [protected] ifsc kvbl0002302 bank name karur vysya bank branch gwalior from saving account up ref no - [protected]. And provide him transection reference number on his request.
10th december 2019
I got a call from different number [protected] (Rakesh sarodey), your 800000/- cheque created now, please check the details if every details is fine so that he can proceed further transfer in my saving account, since all details updated correctly with details “baroda[protected] account number[protected] date 10122019”.
After confirmation i got a call from same number and ask to pay 2% sgt (State government tax) for whole release amount which is also refundable and after that no other amount to be pay will transfer loan amount to your bank once sgt tax submitted, since it was refundable i need money on urgent basis so i transfer that amount to a/c no –[protected] ifsc – dbss0in0811, bank name – dbs bank new delhi amount of 16000/- from my saving account upi ref no –[protected] and instead got sgt no. Upnd0078896, however that i did nott get loan amount transfer in my account.
12th december 2019
On my follow-up instead got message on my registered mobile that 800000/- transfer through rtgs, however no transfer happened. Since i followed up on 13th dec’19 did not get any response, but on call i got to know that my account is not accepting that amount, checked twice with my citi bank, and citi bank officer clearly mention there is no issue with my account and i am illegible to take upto 1500000/- amount.
14th december 2019
I got a call from another number [protected] (Puneet) from bank of badoda which was made frequent. And ask me to pay 19000/- in the account name off mukund kailash gupta a/c no [protected] branch sbi bank mumbai sbin0010414, i transfer the same on same day from my citi back account transection ref id –[protected]
16th december 2019
And the puneet ask me for loan insurance number (Which was also not communicated earlier), rakesh suggest if any other insurance available from the private bank that will work and i provide him max life insurance details which cover 200000/-, but in call they mention they checked but this will not work and pay another 17500/- as insurance amount from reliance finance pvt ltd company and force me to pay immediate to transfer your loan amount, and because of all circumstances i was not well on 17th dec’19 and during that day i won’t be able to pick the call but frequent got the call, in between rakesh made the payment of 17500/- on my behalf but puneet didn’t accepted since that payment made from mumbai so bob (Puneet) refunded that amount. And puneet ask me to pay or any from your blood relation
18th december 2019
Due to fund issue, since from above they already taken almost all my saving, i arrange from someone and paid 17500/- (Non-refundable) to same dbs account details upi reference no[protected] and immediate got policy number 52518190, i search the policy number on reliance portal but didn’t find out, and keep following up with puneet and rakesh and they confirmed that they have process 200000/- amount to my saving account u will get you 200000/- by today once done will process 600000/- but it was not happened since i keep following with them continues.
19th december 2019
On my follow-up they initiated neft for 200000/- bobind0079967 after half day, but again it was not transferred into my saving account and puneet bob guy called me that since one tax ltcg tax (10% of loan amount means 80000/-) is pending and due to that we can transection is declined, please pay at least 20000/- today so that we can process 200000/- of loan amount now it self and remaining 600000/- will transfer once i pay 60000/-. Again i need money on urgent and i don’t have money so i arranged 20000/- from someone and i paid immediately ~4:30pm, and bob guy puneet confirm that u will get 200000/- within 1 hrs. Instead i did not get any decline message or success message from both the side either from bob or from my citi bank. Since 19th, 20th and 21st i tried calling reliance agent he is not picking my call, and puneet called me that we are returning your 20000/- amount through paytm or neft but unable to do so since because of caa cab internet connection not available. And forcing me to pay at least 50% of ltgc tax until they can’t proceed to transfer my agreed loan amount.
26th december 2019
Since i asked them to return my full amount which i pay till, so they have sent one more document to signed and communicate me that 80000/- they will add in my loan amount and which i need to pay once i complete all loan transection as per the understanding and initial search the document which they shared with me that is also fake as i did not get any information or faq’s regarding the same. Because all communications i have asked them to send all the details over the email, instead sharing all details on email they are forcing me to attend the call which they are doing frequently
Now with all the circumstances seems i got cheated as i am not getting any response from reliance finance limited or from bob. And below are the points i observed and believe they need communicate in advance.
• on my ask why still i did not get any details and free receipt from reliance finance limited. Since i have paid all requested amount.
• why reliance finance limited not communicate me in advanced about all the charges even not mention anywhere in the company site or faq’s
• if on my loan amount i supposed to pay that much amount then bank miss guide to requester that they are providing loan in very less roi.
• i believe bank person and on agent well educated about the process why they miss guide me and now after 1 month i paid ~70k – 80k, i did not get single amount in my saving account.
• i have all the messages and recording as well which i can submit if require
• why all taxes communicated one after another when they make hope about the loan amount
• amount paid till now (5500/- + 6839/- + 7500/- + 16000/- + 17500/- + 20000/-) and expected to pay remaining 60000/- as part of ltgc tax) on 800000/- loan amount.
• since i am lay man in banking sector is that the correct tax getting charge on my loan amount.
• why they have taken all above amount in favour of person that should be in favour of reliance finance limited.
• because of their false commitment from bank, i lost my credibility in front of public and friend circle as based on confirmation i took some money from friends
Respected sir, request you to please help me might this all above observation is ongoing process, but since i lost almost my all saving all trust from whom i borrow money to pay all taxes, please help and understand and pull out me since i am already in very big financial trouble.
Date : 6th january 2020
Place : greater noida
Your faithfully
Brijendra nath dixit
Block – c 214, sector xu3
Greater noida
Transection details:-
Sr. No. Date transfer to a/c no. Bank name ifsc code amount from transection id remark
1 24-nov’19 [protected] karnataka bank karb0000579 5500 citi [protected] processing fee
2 24-nov’19 [protected] karnataka bank karb0000579 6839 citi [protected] intercity charge
3 07-dec’19 [protected] karur vysya bank - gwalior kvbl0002302 7500 citi [protected] re-processing fee
4 10-dec’19 [protected] dbs bank new delhi dbss0in0811 16000 citi [protected] 2% sgt
Upnd0078896
5 14-dec’19 [protected] sbi bank mumbai, mukund kailash gupta sbin0010414 19000 citi [protected] no clarity
6 18-dec’19 [protected] dbs bank new delhi dbss0in0811 17500 citi [protected] loan insurence
7 18-dec’19 [protected] sbi bank mumbai, mukund kailash gupta sbin0010414 (20000) citi ltgc tax 10% of loan account 60k they are more looking for
Total 72339/-
Number on which i got a call:-
1. [protected] – not told his name called as agent from reliance finance limited
2. [protected] – ajay chaudhary made the trust again as agent and reprocess loan request
3. [protected] – ajay chaudhary called me from other number
4. [protected] - rakesh sarodey loan validation and processing
5. [protected] – puneet chauhan bank of barodara introduce me
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