This is the case of physical, mental and financial harassment due to negligence and deficient services from the LICHFL.
I am Rakesh Singh Negi, and have taken the housing loan from the LICHFL institution.
I am paying Rs.17377 EMI through ECS every 5th of the month, and has completed almost 2 years without any issue.
During April, May & June-11 my ECS was not debited.
Some where in 1st week of June, I received a call from LICHFL- Jeevan Kiran office, "due to insufficient fund my ECS is bounced back" i could not believe because we are always keeping sufficient fund on stipulated dates for the ECS.
In response to this, I called to Area Manager (Mr. Alok Goyal), he gave a number and asked to talk with this lady officer, i called her and she simply replied that because of insufficient fund my ECS bounced and pay the amount by cheque.
In response to this, i have called the LICHFL agent who was involved in my loaning process.
I went to his office and given him two cheques 797891 & 797892 dated 04/06 for April & May EMI amount.
After 10-15 days of handing over these cheques, the money in my bank account was still lying because cheques were not presented (Again I have not been informed anything).
Once again being “poor helpless customer” I called to LICHFL office and personally visited (2nd July) to the office. I was asked to meet a lady officer, in discussion I was told due to insufficient fund my ECS was bounced and now I have to pay the penalty. I have shown them my account statement where the sufficient fund Rs.21000/- was there.
Since my ECS date is 5th of every month so I keep sufficient fund till 10 to 15th of every month.
The lady officer told me that during April month we have shifted the ECS dates from 5th to 21st and given the mobile messaging intimation.
But I did not received any message from LICHFL, I have requested for the acknowledgment of message sent to me, but the reply was very negative, that is not expected from the organization. Would I have been informed through “proper communication” there would not have been any issue of ECS bouncing, which is creating financial mismanagement for both customer & organization?
If we go to the meaning of communication, it means when it is received and perceived by the receiver then it called communication. If organization like LICHFL feels that just by sending a message their duty is over than they are not doing the justice with the customers & with receivable of the organization. And if the organization feels that just sending a message is the communication then It is suggested better to use media for the communication, by which the duty intimation job is completed whether it has reached to the customer or not the organization is not responsible.
Here my point is the, LICHFL being one of leading housing finance organization is dealing with the customers with such a negligence and deficient services. This has resulted an individual’s physical, mental & financial harassment; moreover it is misuse of national economy in terms of resources, time, value etc.
Here my complain is that because of the LICHFL negligence and deficient services why I should suffer, is it not their duty to inform or communicate the customers properly well in advance about any changes with the EMI related issue.
Well, if I am not able to repay the EMI as per the stipulated time period then I am fully responsible and will pay the penalty as per the rules.
Although, LICHFL should pay off the customer towards compelling the physical, mental & financial harassment.
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