Hi.. My name is Shafeeq Raja S, and i had taken a loan with fullerton india for an amount of 50000. But actual amount recieved is something aroung 45000 only. When asked, they said that it is been detucted for some insurance, which i was not asked for, and left as it is. The EMI for my loan is 2472 per month for total of 36 months. My first EMI date was on 05-10 and my a/c had sufficiant balance on that date. All of a sudden i recieved a call from the collection on 07-10 stating that my EMI was not cleared due to in sufficiant fund in my account which is absoultely wrong. I have a bank statement as a proof that i had sufficiant balance on that date and no cheque or EMI was hit in my a/c. Then i was been forced to pay through local collection which i did. My second EMI went through normally from my a/c, i.e, on 05-11. Again the problem started from the third EMI. My 3rd EMI which was suppose to go through on 05-12 didn't went through stating that, there is some problem in ECS form. I started getting n no. of calls from collection asking to pay the EMI. Then again i was forced to pay through local collection. Same continued for the next month also that is on 05-01, again i started getting calls from collection and again i forced to pay through local collection. Then same trend continued for all the rest of the months also. Till now the same is not been resolved. I clearly told them that i wil not pay through local collection, and i have sufficiant balance in my a/c and asked them to debit it from my a/c. But they never listen to me, they started abusing me over the phone, for whcih i logged a complaint also with the local police station. When i raised a complaint with fullerton with regards to this, they came back with the written confirmation that the problem is been solved. But till date the problem is not been solved and i have been receving calls from collection people till now. Please help me in this regards..
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