Hi.,
I'm Jithesh. I have taken a car loan from Axis bank cochin branch on oct. The executive as well as one of the lady from the bank called me and confirmed the fisrt installment date (5th of every month which starts from Dec onwards). Also confirmed that since the advance EMI has been taken from my loan amount, I dont have to make a payment for the month of Nov. Around on 20th of Dec i got a call from collection agency, they told me that my cheque has been bouncd and I've to pay the amount. But i've sufficient fund in my account to pay the installment on 5th of dec. But the executive told me that the due date is on 1st of every month, which is not been communicated with me either by mail or Phone. ICICI has charged me a bounce charge of Rs. 281.00. Also Axis bank has charged me Rs. 562.00 as cheque bounce charge and Rs 128.00 as overdue charges. So I've been charged Rs. 971.00 un necessirily. This is the first time that my ICICI bank account is having a cheque return.
And again in Dec as well as in Jan I got call from the bank, saying that Nov payment is due which the bank has previously confirmed me that I dont have to pay it since it ahs been dedcuted from My Loan amount. Also I checked my ICICI Bank statement and found that there is no ECS has been submitted on Nov month from Axis bank. And now they are asking me for an EMI which is not been submitted on Nov month.
I called up the Sales manager as well as OPs/underwritting team. the response which I got is the worst, which I do not expect from a Multi national Bank. They are talking in such a way that they are not resoponsible for it and it is my fault. Again charged Rs 200.0 for over due. Nobody has the curtesy to listen to what I'm telling and al they need is the money, no matter whose problem it is.
Till these days no one has called me to informa abou the change in date of ECS. And I'm gonna take this as a serious issue since I'm having another issue on my credit card with Axis bank...
Please look on to mail and do the need full.
Regards
Jithesh KS
91-9995020131
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