I had purchased a two wheeler from OSL Bajaj show room at P A S Road, Kolkata and accordingly their direction it is financed by Bajaj Auto Finance Limited ( BAFL).
At the instruction of BAFL I had signed a loan agreement Rs.23000/- & deposited 12 post dated cheques @ Rs.2051/- per month.
BAFL informed me to deduct the EMI w.e.f 08/08/2010 by way of sending post dated cheque on 8th of every month.
But unfortunately I observed that they failed to lodge my cheque on 8th Aug’2010 and
After a few days (12th Aug’10 or 13Th Aug ’10) some one of BAFL intimated me that my cheque was returned due to insufficient fund.
Immediately I discussed the matter to customer care BAFL that “NO CHEQUE has been PRESENTED in my account for collection of EMI and I am maintaining sufficient balance to honor my commitment.” And my bank account statement does not reflect any returnment of cheque.
Then they started threaten to snatch my vehicle.
I intimated the matter over telephone to BAFL AJC Bose Rd. Office about the fact.
I intimated the matter over telephone to BAFL customer care.
I intimated the matter over telephone to BAFL finance department PUNE.( Mrs, Ahuja finance Manager)
Again unfortunately I observed that they failed to lodge my 2nd cheque on 8th Sept’2010.
Immediately I informed over telephone to customer care & again AJC Bose Rd. Kolkata office.
I send 9 letters through E mail with details of my irregularities.
Lastly after long follow up BAFL presented my first EMI cheque on 17.09.2010 & there after regularly on 8th for Oct’10 & Nov’10.
Now BAFL asking for Aug’10 EMI through cash.
Since I have given the BAFL 12 cheques for EMI and they failed to present on due date at 8Th Aug’10 how they asked for further money in cash. When it is not presented in my account how they are telling that it was returned on financial ground.
Although I have given them letter through Email to return my cheque to me & then only I will pay cash against such EMI but they are not willing to return my cheque.
Customer care promises me to short out my problem with in 5 days in the month of Sept’10 & Mrs Ahuja Manager finance promises me to short out my problem with in 2day in the month of Sept’10. But till date they have not given a single reply.
Now I received one letter from ADVOCATE of BAFL with the following threats

1) For Aug’10 my due is Rs.2901/- with penalty.
2) They will file Criminal & Civil case against me,
3) Liable under NIAct sec,138
4) Punished under sec403,406,417,420,421,422 of IPC


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SUKUMAR JANA
E.MAIL : habu.babu23@yahoo.com
(m) 9508845449

Sir.

I am A. Charles i try to close my balance due for the past 6 months i contact many persons for this regards but no one can answer me properly.

Last month i received one SMS that is send your RC book copy with your loan number for getting NOC it says.

I already send that to your Mumbai office address. but this month i received the EMI balance 2707 due
i already finished 18 months then how can i again pay one more due

How to know my two wheeler loan amount
My loan L2WCHE00298493
Email acharles234@gmail.com
Mobil number : 9941787090
Your Company also give two wheeler loan but in this option there is no two wheeler icon
So How can i check my balance here

Dear Team,

I Parvez Khan have take a Auto Loan from your organization in 2006. My Proposal number : 160408 (404160408). As per your records i have miss the payment for month of august 2007 and i have been hit on by CIBIL score.

Were as i have already made this payment on the same time (August 6 2007) my receipt number is 0404099950 for the amount of 3,016.00 including the shopping charges. By my no fault i have been penalized on my CIBIL Score for which i am unable to apply to any personal loan.

Kindly look in to my Case on priority and need your assistance before i look forward to take any legal action

Your Faithfully,
Parvez Khan.
Email Id : parvez247@gmail.com
Mob: 9886741336.

Hi,

Am Dhanasekaran.M, i had taken a loan from your company (Bajaj Finance ltd) for Mar 2010.
for my bike Pulsor 180 loan amount is 49200, loan no (L2WCHE00353475).

last 23/09/2011 you had cheesed my bike for pending due 4month and you had told me following amount to be settle and take your bike.

amount details

EMI - 5823

CHQ BOUNCE CHARGE - 7200

REPO CHARGE - 3000

FUTURE DUE - 28777

TOTAL - 44800.00

Above mentioned charges (44800.00) i had settled to you with out any waiver on 7/10/2011 for DD. and i get release order and went for your godown on 8/10/2011. i saw my bike i had very shocked, following problems having my bike and inform your office every one not response for me.So am not taken my bike in your godown.

1. Tank cover theft
2.Seat cover torned
3.ignition switch lock broken
4.handle case broken
5.self not working b coz baterry changed
6.head light scoop shaked

please clear above mentioned problem for my bike and give to me. otherwise i take legal action.

Confirm your understanding

Regards
Dhanasekaran.M
08144525020