I borrowed loan amount Rs. 29, 40, 000/- from LICHFL Area office noida in yr . 2009 and being paid my EMI through monthly cheques. In January i applied for ECS in my SBI chandni chowk bank and submitted documents in LICHFL backoffice Asafali road office to deduct my EMI through ECS. but due to bank reason or due to LICHFL reason the ECS mandate was not received to LICFHL and penaly has been imposed by LICHFL due to non receving of mandate from my Bank. I paid my EMI through cheque and penaly has been adjusted from the EMI amount. Same was repeated upto May. Then after got fed up i requested LICHFL backoffice asaf ali road to stop my ECS request and i deposited six post dated cheques. Next month onwards penalty of non receving of mandate has been imposed on me as well as cheques were also cleared every month. Total more then 100 time i personally visited to Back office Asaf ali road and every time i humbly requested to do the need full so that from next month undue penalty may not be imposed on me & in return every time i given the assurance that this will not be happen next time & all undue deduction will be returned to your account. I also visited LICHFL area office noida. More than several thousands of phone calls had been made during this tenure but never pickedup the calls. Several emails had been posted to back office & area office as well. Till date after almost one year of regular persuance penalty due are increasing every month. After my regular pursuance in the month of Nov. 2011 they made some reversal in my acount to sattle the issue but after reversal it was revealed that the total outstanding loan amount on me has been increased compare to total outstanding loan before reversal operation. It means that the reversal was made to deduct the undue levies/penalty & to bring down the total outstanding loan amount but in turn the outstanding loan has been increaded after reversal operation. My one year pursuance has became curse on me On 14.11.2011 me my wife seated in the office Ms. Jyoti, Manager (operation) back office Asaf ali road for several hours she assured us that your account would be settled today itself but again no gain.
I am mentally harassed a lot due to working of LICHFL. I have no option but to resolve the case with the help of RTI, consumer court, Jan shikayat aayog etc.
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