Sir,
Till as on today i have not got the pre-closure letter from citi finance. I have taken a new vehicle on exchange offer which was to be delivered on 20th June. but as dealer is informing unless they provide a preclosure letter they cannot deliver vehilce.
My first request was on 6th June, but my self and my wife are working the courier person did not deliver the courier so when i came to know i immerdialtey called the customer care on 13th June, he assured me that he is providiing my mobile no to the courier person and they will call me before they deliver and it will be taken on priority and you may expect the courier by 16 or 17 June
I have requested citi finance that i am ready to collect the statment from Mumbai brach for that also they did not agree and my self and my wife had take leave on 16 & 17 june and wait for the courier but we did not recieve it, when i called the customer service they told that by mistake they have sent the statement through register post.
Today they are telling that i have to pay the interest for this month, so they cannot send the statement.
I once want to tell you that citi finance is already collecting more interest and money than the RBI rule, below mentioned are the points.
1. In the 2007 Sep, they have given the loan for my new vehilce with interest rate 11.83%.
2. For the pre-closure of the loan they are charging 5% of the outstanding princple amount and again on the pre-closure charges they are charing 10.3 % as service charge.
3. Earlier SBI seepz branch as issued a letter that they are shifting the brach so the ecs will not be accepted and we have to provide a new ECS, i have sent the letter to citi finance then also they have sent the ECS and charged be bounce charges. When i spoke to them they iformed me to provide the letter when i close the loan, they will reverse the chagres.
In this way they are minting money from the customer and they are not providing the service
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