Sir,
Myself Suvankar Chatterjee purchased one IFB Washing Machine(model ELENAVX) @ Rs 18500 from Great Eastern Serampore Branch through finance of BAJAJ FINSERV on 27/03/12 as Rs 6368 downpayment and 8 equal installments of Rs 1542(through ECS from SBI Serampore Branch . But on 07/05/12 they withdrawn 1st installment of Rs 1891 (extra 349 Rs) without my permission. On 05/07/12 they again withdrawn 1st installment of Rs 1891 (extra 349 Rs) without my permission. I tried to communicate with them but they were not picking up my phone calls. I proposed bank to stop ECS but they told me that they cannot do that. I tried to communicate the shop representative of Bajaj Finserv(from where I purchased Washing Machine). Nobody entertained me. Being harassed and perplexed I decided to make the S/B a/c zero balance. So I did. Because going to their headquarter was unimportant to me due to their fraud behavior.
After that they contacted me and I demanded back the extra amount (Rs 698) and to collect the installments from my home and in cash and requested to stop ECS. I gave a letter to them and I have the receive copy of that letter. They did not try to stop ECS, but gave me Rs 548 back on 12/09/12. Though I agreed to pay them their dues and I did my job and they collected cash from my home and given me bills. Before the last EMI I asked them about a loan closer confirmation after final payment. I have that letter too. In that letter they were supposed to give me NOC within 15 working days. But till now I did not get any NOC from them. Another loan is running under their finance.
But after a long time on 26/09/14 they called me and asked me to pay dues of cheque bounce penalty. If I don’t pay them they are threatening me to drag to court.
But it was never my fault, what I did was a job of helpless person. If I did not make my balance zero they were definitely withdrawing the same extra amount every time without my permission. But I paid a single penny to them with loan closer letter in my hand. How can they call me and threat me?
I want to take severe action against them so that they never dare to cheat anybody. If they can cheat a single person Rs 349 monthly and if they do the same thing with 1000 people only they can make nearly 3.5 lacs monthly illegally.
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