Complaint regarding EMI of Personal Loan I would like to bring this in your notice that i am a very unhappy customer of bank and looking for some solution of an issue mentioned below : To narrate the story i would like to start from the beginning I took a personal loan in the month of Oct'15 from bank Loan branch Noida for 5.50 lac emi amount was decided 13084/- per month. i was told by the executive Upendera Pawar (who disbursed my loan) that this EMI would get deduct every 5th of the month starting from November from my salary account and i need to assure that i have sufficient funds in my account. I followed his instructions and i made sure that i have sufficient funds in my account, on 5th the EMI was deducted and it was again returned back into my account, i called customer service department to check why it was returned? they told me that bank provided them POST DATED CHEQUE and that's why the transaction was returned and i should check with bank, i called bank customer support and spoke to one of your representatives, who again gave me the same information that the cheque got bounced because it was post dated, i asked what is the date mentioned on the cheque because while providing the cheque to UPENDERA i did not mention any dates, i just signed and mentioned the amount on them. however, the exceutive was nlot able to disclose this information, he asked me to visit any of bank branch and make the payment of the amount manually and he gave me this assurance that the issue will be sorted because they will not represent the cheque again hence as instructed by him, on 11th of November i visited to BANK Green Park branch, i met with an executive there, i told her the entire scenario(she was least bothered in listening me) she cut me off in between and refused to take the money and said that i should contact the person who disbursed my loan he will help me with it and i should not pay anything right now and she left. Then i called Mr Upendera Pawar narrated the entire story again, he asked me to enjoy the festival and wait till 16th Nov'15(monday)and he will get back to me with the information. Please note : DURING THIS PERIOD I WAS REGULARLY RECEIVING AUTOMATED CALLS EVERY MORNING FROM BANK THAT "MY EMI IS PENDING DUE TO CHEQUE BOUNCED AND I SHOULD PAY IT " which was a complete harassment for me. On Monday : i did not receive any information from MR Upendera Pawar, hence i messaged him on whatsapp and asked him what is the status, what M i suppose to do, after sending 6-7 messages he called me back stating that he checked it with his boss and they are not in fault anywhere, there was no date mentioned on the cheque, so i should go back to my bank and ask them to email me the copy of that cheque. It was getting on my nerves moreover i was not keeping well, still i took all this and did what i was told, my bank customer support department told me that they can't provide me the copy of the cheque via email, i have to visit to my home branch to get that and over there also they will not provide me that they will just show me what is written in the cheque. Now i fail to understand that when i am not in fault, why i have to rome around waste my time, money and energy, just because i am a SO CALLED CUSTOMER. I called your customer service department again and spoke to the supervisor Sharukh and was hoping for some resolution from his end however he also asked me to visited the branch on which i told him that i can only visit the branch on sat as i will not have time during the week, in the mean while i also got an amazing information that it has also impacted my Seibel, I mean.. this is completely insane, why and how it is impacting my Seibel? i have been a very loyal customer of bank, always paid my EMI's on time, never faced any issues and assured that bank should also not face any problems from my end, always had a good track record, followed all the instructions given by the bank, made sure that i am not failing on anything, and at the end i receive a call from COLLECTIONS DEPARTMENT OF BANK, Mr Ganesh Kalyani called me and asked why i have not paid my EMI, the cheque got bounced because i gave a post dated cheque, i went out of my control to hear this thing and i stated that it is not my mistake, however this guy did not trust me and asked me so many questions about the entire thing happened, for a moment i felt that i am fraud or a defaulter who has taken the money but not don't have intentions to pay back, i felt so bad about it, to make him believe i had to take him in conference with Mr Upendera Pawar who told him that there was no date mentioned on the cheque. After all this i don't have enough patience to deal with anyone in person, and i decided to log a written complaint. I sent the above email on 18th nov 2015to to bank nodal officer and complaints department, i got a call from Deepika operations department who sounded helpful said she will deal with the case and she will send me in writing that it will not impact my CIBIL and they will remove the black mark once i will make the payment, so i told her that once i will receive this in writing i will go ahead and make the payment. that's it end of conversation however today on 19th Nov 15, i found 5 calls in my phone from bank collections department, Collections excutive Ganesh Kalayni again called me and asked the same thing again, i told him that i have already sent an email and spoken with Nodal officer and she is delaing with my account, i am waiting for her response so stop calling me. He again called me and said "Apka email nahi receive hua mam, apne behja nahi kiya?" i told him that i sent it already, and Deepika nodal officer called me already regarding the same, so why you calling me again and again ? he disconnected the call and excatly after 2 mins i received a call again from collections department this time it was MR SANDIP MISHRA on the line, i asked why he is calling me now ? then he replied " apko nai pata Sonal ki main apko kyu call kar raha hoon" aap log loan leke beth jaate ho aur phir pay nahi karna hota, apki koi responsiblity hai ke nahi" after listening all this my anger went up and i screemed on him asking how dare him to say all this to me when i am not in fault? how many times i have to prove my self? he did not trust me and said : aapse bola gaya tha ki email behjo aapne nahi behja kyunki aap behjna hi nahi chathi, kyunki apke intentions nahi hai pay karne ke" he threaten me and harrasssed me at his best, i disconnectedn his call and called nodal officer Deepika to talk about this, this guy was calling me again then i took him in conference with Miss Deepika and then he changed his tone and lied on my face that whatever calls he made was automated, Deepika told him that she sent an email that customer should not receive any collections call still i received 5 calls throughout the day. He was talking to me as if i am a big time defaulter and i have no intentions to pay. Nobody spoke with me in this manner in my entire life. I am a patient of Low Blood pressure, can't take such harassment and hassell anymore. Looking for some help. |
