I was taken a consumer loan from the Baja Auto Finance ltd on 23-05-08 against a Laptop Purchase (Loand Account No. 305316), the company people said the ECS will come for the clearance on every month 15th, in the first month ECS ie 15-06-08 was not cleared from account, then i was unble to find the customer contact number but i put mail to them reg. same, in the next month also the same was happend, after that i got a call from the collection department and asked me to pay the installments with panalty. I asked them why i need to pay this, they said that there is no account with bank what i given them for ECS.
i showed my account and balance avalible on that to the excutive and ask him verify that what happend actually. he asked me to pay the installment on cash and he will find the problem and rectify the same immeditly and he deduted all panalities and given me in writting also in the back side of the recipt.
but in the next month ECS was not cleared from my account, also i got call from the collection dept. to pay the installment in cash. then i told them frist you tell me the actual problem. then i will pay them amounts afterwards we found that in their accounts they wrongly inputed my account no, so i made them clear first you rectify the error then back to me i will pay the balance amount immedatly, but they didn't. the same happend in the next month also.
Then i gone to the baja finance office at Hyderabad and discussed with them and rectified my problem (ie they corrected my Account no in their records). i requested them to wavier off the panalities what was imposed against as a check bouns charges, they agreed that and they told they will send a loan account statment along with the collection agent also agreed to pay the amount after that only. the entire thing was done in a ovral manner only, they does't given me any complaint no or any thing else.
till date i am persuing with the agenets with same but they are not yet done sofar, also i was not paid pending 2 installments to them.
this is old story, today when i tracked my bank account i found that the baja finance ECS came for clearing on 10-08-09 and bounced because of insufficient fund, the actual date of the ECS is on 15th of every month, this is first check bounce in my account since inseption of my Account, in my account check bounce charges also leved. so is their any clause was their that the Baja finance people can deposit the checks or ECS when ever thay wish without given me any intimation. what i have to do please tell me.
regards
Rama Krishna. Y
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