Hello, I made a purchase for Rs 58, 453 on 01 Jan 22 (Invoice Attached for your reference) with the Dell laptop company through YES bank credit card, 6 MONTH NO-COST EMI payment option, which was clearly mentioned on the Dell website.
Since, I have not received any EMI amortization sheet from YES Bank, I personally demanded for the EMI amortization sheet which I received it on 01 Mar 22 (Amortization sheet Attached for your reference) showing excess EMI deduction amount of Rs 2, 844/- (Total purchase value Rs 58, 453 & Total EMI cost Rs 61, 297) being a no cost EMI payment.
As per my understanding, my no-cost EMI deduction should be equivalent to my purchase value which is Rs 58, 453 only and after receiving amortization sheet, it was seen that an excess amount of Rs 2, 844/- will be dedicated at the end of my EMI schedule.
In view of the above, I am not agreed with the above said excess amount deduction since it is a no-cost EMI means no additional cost apart from my actual purchase value.
I have already written number of mails to YES bank principal nodal officer but did not get satisfied reply, one side bank is agreeing that it is a no cost EMI payment and other side not giving proper justification for excess amount deduction.
Kindly help me to reverse the excess amount being deducted by the YES bank by disappointing me, saying no-cost EMI payment option. Was this information helpful? | 
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