[Resolved]  TVS Credit Services Ltd — executive behaviour and

Address:Chennai, Tamil Nadu
Website:www.tvscredit.com

Dear team,

Thanks for welcome letter. It is received on 19.06.2018.

Customer no:[protected]

As per your quotation no 371 dated 28.08.2017 cost of the vehicle is inr 64245/- including hp charges.

I paid down payment in two installments as mentioned below.

1) rs 10000 receipt no 7735 dated 28.08.2017
2) rs 20544 through neft transfer ref n[protected] hdfc and manual document no 308 31.08.2017

Total advance / down payment paid= 30544

Remaining amount is paid by tvs credit services limited i. E. 33701

As per welcome letter provided, you have financed 46800 against loan of 33701.in quote only 12 emi of rs 3373 is mentioned while in welcome letter 15 emi are mentioned.in that last three are advance emi.in which interest also charged.

I met mr. Krishikesh pawar on 23.09.2017 with same queries. I didn't got proper answer for details of financed amount. At that time i asked for signed copy of loan file but same was not provided to me. I was told you have purchased policy against loan which is not delivered to me uptill now and if it for your safety then wh you are taking cost from customer.

When i inquired in details then i was called foolish person (मुर्ख माणूस). Is this language you people use with your customers?. This should be answered by your senior persons. Shall i go socially about such service by tvs credit.

Request you to revert on below mentioned queries.

1) how you have calculated 46800/-
2) what about advance emi and interest charged.
3) scan copy of the cheque paid to century automobiles from tvs credit services limited.
4) which policy you have purchased, when you applied for the same before my visit to store or after my visit. Required copy of application which is having details of my bike with date of application. I sure that it is applied after my visit for safe guarding.

I could not able to report issue on time as i didn't have welcome letter.

Hope i get proper response from tvs credit
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Aug 6, 2021
Complaint marked as Resolved 
Jun 21, 2018
Updated by Viju_204680
I called customer care for escalation matrix, executive told that he don't know the mean of escalation matrix. On explanation what is the matrix then he told that he could not able give the same and asked for writing the mail.
Jul 02, 2018
Updated by Viju_204680
Dear Mr Karthickeyan,

We spoke

Please find the attachment for
1) Quotation No 371 dated 28.08.2017 front side.
2) Quotation No 371 dated 28.08.2017 back side.
3) Tax Invoice No 3486 dated 31.08.2017 for amount 53851/-
4) Debit Note No 3642 dated 31.08.2017 for amount 10034/-
5) Advance payment receipt No 7735 and ref document No 48195 dated 28.08.2017 for amount 10000/-
6) Advance payment receipt No 308 dated 31.08.2017 for amount 20544/-
7) Vehicle Delivery Note No 055 dated 03.09.2017

If you gone through above mentioned documents it is clear that I have paid total down payment of INR 30544/-
In provided quote only 12 EMI of 3373 are mentioned and you are claiming now 15 EMI of 3374 including advance EMI

Kind request you to re calculate and confirm accordingly.
Kindly note that as mentioned in quote i will pay only 12 EMI of 3373/- You have to give NDC after taking 12 EMI. Also you have to complete RTO process of removing as soon as you recived 12th EMI.
In your mail it is mentioned that special insurance - i) what is this. ii) I have never informed about it before last discuss with Mr Krishikesh Pawar. iii) why customer should pay this amount. iv ) i have not received such policy. v) Again asking for application copy for this policy. When is applied before or after 23.09.2017

i may go to court and will file cases i) Fraud case ii) Defamation on you executive ( TVS credit) as per IPC 1860 and section 499

Complaint comments 

Comments

Dear Customer,

we apologize for the inconvenience caused. Please share your contact details (Name, email ID and contact number) and we will revert to you.

Regards,
TVS Credit
Viju_204680's [Complaint's author] reply, Jul 2, 2018
Dear Mr Karthickeyan,

We spoke

Please find the attachment for
1) Quotation No 371 dated 28.08.2017 front side.
2) Quotation No 371 dated 28.08.2017 back side.
3) Tax Invoice No 3486 dated 31.08.2017 for amount 53851/-
4) Debit Note No 3642 dated 31.08.2017 for amount 10034/-
5) Advance payment receipt No 7735 and ref document No 48195 dated 28.08.2017 for amount 10000/-
6) Advance payment receipt No 308 dated 31.08.2017 for amount 20544/-
7) Vehicle Delivery Note No 055 dated 03.09.2017

If you gone through above mentioned documents it is clear that I have paid total down payment of INR 30544/-
In provided quote only 12 EMI of 3373 are mentioned and you are claiming now 15 EMI of 3374 including advance EMI

Kind request you to re calculate and confirm accordingly.
Kindly note that as mentioned in quote i will pay only 12 EMI of 3373/- You have to give NDC after taking 12 EMI. Also you have to complete RTO process of removing as soon as you recived 12th EMI.
In your mail it is mentioned that special insurance - i) what is this. ii) I have never informed about it before last discuss with Mr Krishikesh Pawar. iii) why customer should pay this amount. iv ) i have not received such policy. v) Again asking for application copy for this policy. When is applied before or after 23.09.2017

i may go to court and will file cases i) Fraud case ii) Defamation on you executive ( TVS credit) as per IPC 1860 and section 499
Viju_204680's [Complaint's author] reply, Jul 4, 2018
9401091980

9881091980
Dear Customer,

Thank you for sharing your details. We will get in touch with you.

Regards,
TVS Credit
Viju_204680's [Complaint's author] reply, Jul 9, 2018
We spoke on 07.07.2018

We discussed below mentioned Points.

1) TVS credit will provide NOC / NDC after 12th EMI. TVS should do the RTO process.

2) TVS credit will provide details of special insurance policy. i.e. when it is applied, why it is applied and Policy details.

3) I insisted for pay back of Policy money as it is applied without of my knowledge. I already conveyed that it is looting of money from customer.

4) I have to provide related documents, which are provided though this channel and by email.

5) I still waiting for action taken by TVS credit On Mr Krishikesh Pawar. If there no positive action then i have to file case Defamation on your executive ( TVS credit) as per IPC 1860 and section 499

regards
Dear Customer,

We believe our team has got in touch with you and addressed your concern. Kindly let us know if you need any further assistance.

Regards,
TVS Credit
Viju_204680's [Complaint's author] reply, Jul 14, 2018
There is No written communication on below mentioned queries. how you can say it is addressed.

1) TVS credit will provide NOC / NDC after 12th EMI. TVS should do the RTO process. Kindly note that as mentioned in quote i will pay only 12 EMI of 3373/- You have to give NDC after taking 12 EMI. Also you have to complete RTO process of removing as soon as you recived 12th EMI.

2) TVS credit will provide details of special insurance policy. i.e. when it is applied, why it is applied and Policy details. >>> only Policy received by mail after 9 Months and long fight with your team. which not useful for me.

3) I insisted for pay back of Policy money as it is applied without of my knowledge. I already conveyed that it is looting of money from customer.

4) I still waiting for action taken by TVS credit On Mr Krishikesh Pawar. If there no positive action then i have to file case Defamation on your executive ( TVS credit) as per IPC 1860 and section 499
Viju_204680's [Complaint's author] reply, Jul 18, 2018
Dear TVS Credit Team,

It very clear that your doing forgery, Please go through your mail submitted on 23.08.2018 and 18.07.2018, you mentioned stamping charges two times which was earlier Special insurance fee. This may because of you couldn't able revert my query on special insurance.

Additionally how you can claim advance service charges and advance processing fee as you are taking advance from client.

Also let me know what tvs will do if loan is taken non tvs company. from where they take advance.

how you can take interest on 3 advance EMI as it is taken from client pocket., Let refer image given below. INR 198.07/-

Is TVS credit company fill that all client are full. Already Mr. Pawar said like that.

What about Mr. Pawar statement. who are taking care of it

I will file Defamation on TVS credit as per IPC 1860 and section 499 and

Detail submitted Detail Submitted
Mail Date 23.06.2018 Mail Date 18.07.2018
No
Transaction type
Amount
No
Transaction type
Amount
1
Advance service charges
125
1
Advance service charges
125
2
Advance processing fees
70
2
Advance Processing fee
70
3
Initial hire
17445
3
Initial hire
17445
4
Stamping charges
375
4
Stamping charges
375
5
Processing fee
1600
5
Advance EMI
10122
6
Advance EMI
10122
6
Stamping charges
550
7
Special insurance
550
7
Processing fees
1600
Total amount
30287
Total amount
30287
Viju_204680's [Complaint's author] reply, Sep 5, 2018
issue still pending. TVS Credit not responding

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    Tamil Nadu
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