I purchased a refrigirator from a shop and for that, i paid some cash amount and agreed to pay the remaining amount through 8 cheques of Rs. 791 each. Bajaj finance limited financed for the product. I paid the cheques and was relaxed that my loan will be over in just 8 months.
after more than one year in august i received a letter from the company warning me to pay the dues or legal action will be taken against me. i was shocked to receive such letter. when i contacted the local office, they informed me that their head office has lost cheques of many customers while shifting the office, and my cheque was also lost. that is why we are not imposing any penalty. regarding letter language i was told that it was a common proforma and nothing special. anyway, i agreed to pay the due amount once after confirming from my bank statement.
i was busy and amy bank was far so i was not able to confirm my statement from the bank for 15 days. i received phone call from the local office using very cheap language which i felt very bad and i complained about it to the local office.
i was once again shocked when the collection boy and local office insisted on paying Rs 791 in cash. they persuaded a lot but i was adamant to pay my dues through cheque only and i did so. the company received my cheque on 26/09/09 and my cheque was cleared on 01/1/09.
i wanted to acquire loan of Rs lac from some other company but i was wonderstruck to find out that my name was blacklisted (write off status is equivalent to be blacklisted).
on enquiring it was confirmed by the local office that they have done writing off my name in CIBIL.i am shocked for the fate i have received for no fault of mine.
my other loan is also getting delayed because of it.
i believe i am going to receive some justice through this forum
0 comments