Dear sir
This is to bring forward to your immediate attention that I was sent an offer email from Bajaj Finance (Proposal No: 4100CD03341175) on 20th November, 2014 stating that a pre approved personal loan of Rs.1,25,000 has been offered to me. Then I receive a call from your Kolkata Saltlake Sector V office by Mr.Abhisek who told me that I need to submit my documents and cheques if I am interested. I wanted to take the loan offer and I had submitted all my documents and 4 signed cheques to your Sector V office on 24th November, 2014. Mr.Abhisek told me that my house and office verification would be done within a day.
However today I came to know from Mr.Abhisek that my loan has been rejected owing to my low CIBIL score. Now my questions to you are-
1. Why do you call this a “pre approved loan” when I dont see a difference between your loan and some other bank loans.
2. I think pre approved means you are offering this loan to your existing customer who has kept a good track record of a previous loan like consumer, personal, etc loans from your company.
3. What is the use of harrassing customers in this farcical loan offer in the name of “pre approved loans” when at all you are doing is check the CIBIL and then rejecting the loans just like every other banks do?
4. Moreover, I know my CIBIL score is low and hence I didnt apply for any types of loans in the past 2-3 years. You have enticed and indulged me into applying for this personal loan by falsely stating it as “pre approved” and then ultimately rejecting it. Now I am sure this will show on my CIBIL report as a loan enquiry.
Kindly please mention is Bajaj Finance really uphelding the good service and reputation to its customers with cheap schemes like these?
Thanks,
Debasish
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