I had taken a loan of 40, 000 from fullerton india just two year back in January. The tenure period was for 18 months and the EMI was 3256. I was given 36, 246 in hand. In between the period from March to August. My condition was very bad, i lost my job and also my wife was pregnant during that period i could not give the EMi amount at least for 4 to 5 months. Everytime the collection officers keep calling me asked me for the amount. on december i got a job and payed them all the balanced amount. last call i got from Mr rahul he said that i have an outstanding balance of 7, 000 left for the final period, if i would pay them the loan will be over. I had been to the branch of Kharghar and spoke to a collection officer First he said the amount balance is 14, 000. I told him that i got a call from one of your collection officer, Suddenly he made a call to that officer then spoke to him, and took the money from me. I asked him whether everything has been settled down or not he said Yes. He also said within 1 month my name will be removed from Cibil. Now It's Four months has been passed by, My Name is still there in the Cibil. Last Month i had been to the branch once again along with my wife spoke with Shazia the lady who took my interview at the time approval of my loan. I told her i need a top up Loan she said she cannot help as my name is in cibil, Also the way which she talks that was too aggressive, when i asked her where is sameer dighe the collection officer, she said he left his job.
And the best part is they were charging me Rs 550 as bouncing charges, two of my friends had taken loan from them but they are paying only Rs 250 for bouncing charges.
Beacuse of them i cannot apply any loan to any other bank whenever i tried, my Loan always get rejected.
I need a personal loan for the sake of my family Please help me out.
Thanks.
Abhijit Rajkumar Gogoi.
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