Harrasment Case, Bought a Washing Machine financed by Capital First Ltd
Complain ID : JGJN016031 84 Complaint's Reply
Loans Complaints
Complaint Date : February 15, 2016
Dear Sir,
I bought a Washing Machine and got it financed by Capital First Ltd., initially I was planning to buy it directly in 100% cash, but the representative from Capital First convinced me to run it through Capital First, as the Loan was at 0%. I though it would be okay to do it as as it was on 0% interest rate. They told me that it will be very smooth and and I will never face any issues, the payment will be linked to my savings account and automatically every month the EMI will be deducted from my account. They told me that I will not get into any trouble of payments. Now, every month I recieve multiple calls from Capital First for collection, they harras me on the phone. I keep telling them that it will get automatically deducted from my account, even then they keep calling me continously and harrass me. Last month I paid through NetBanking. I told Capital First that I have signed a form for electronic transfer, then why should I pay you separetely, but they kept calling multiple times everyday. Now this month-Feb'16, they again have started calling me and there collection managers have been very rude with me, they are saying that, why have I taken loan if I cant pay, they sent somebody to my house to collect money. My mother at home got scared of them, she is going through a depression at this old age and this has added more tension and stress to her health. I called Capital first and I told them, why dont they deduct money from my account directly when I have signed the ECS form. Th this, they have mentioned that my bank says I(Chandra Shekhar) does not have sufficient balance. This is wrong, I have sufficient balance to pay a 2K INR EMI. Capital First has been harrassing my parents and me. I want to file a case against them. They are tortured the mental health of my mother.
Please suggest what should I do.
Best regards,
Chandra Shakhar
I bought a Washing Machine and got it financed by Capital First Ltd., initially I was planning to buy it directly in 100% cash, but the representative from Capital First convinced me to run it through Capital First, as the Loan was at 0%. I though it would be okay to do it as as it was on 0% interest rate. They told me that it will be very smooth and and I will never face any issues, the payment will be linked to my savings account and automatically every month the EMI will be deducted from my account. They told me that I will not get into any trouble of payments. Now, every month I recieve multiple calls from Capital First for collection, they harras me on the phone. I keep telling them that it will get automatically deducted from my account, even then they keep calling me continously and harrass me. Last month I paid through NetBanking. I told Capital First that I have signed a form for electronic transfer, then why should I pay you separetely, but they kept calling multiple times everyday. Now this month-Feb'16, they again have started calling me and there collection managers have been very rude with me, they are saying that, why have I taken loan if I cant pay, they sent somebody to my house to collect money. My mother at home got scared of them, she is going through a depression at this old age and this has added more tension and stress to her health. I called Capital first and I told them, why dont they deduct money from my account directly when I have signed the ECS form. Th this, they have mentioned that my bank says I(Chandra Shekhar) does not have sufficient balance. This is wrong, I have sufficient balance to pay a 2K INR EMI. Capital First has been harrassing my parents and me. I want to file a case against them. They are tortured the mental health of my mother.
Please suggest what should I do.
Best regards,
Chandra Shakhar
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(5 of 5)
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Harrassment case against capital first by Debanjana Das Gupta:
(5 of 5)
I brought an air conditioner and got it financed by Capital First Ltd. During purchase the representative from Capital First convinced me to run it through Capital First, as the Loan was at 0%. I though it would be okay to do it as as it was on 0% interest rate. They told me that it will be very smooth and and I will never face any issues, the payment will be linked to my savings account and automatically every month the EMI will be deducted from my account. They told me that I will not get into any trouble of payments. Now, every month I recieve multiple calls from Capital First for collection, they harras me on the phone. I keep telling them that it will get automatically deducted from my account, even then they keep calling me continously and harrass me. This September month I had already paid through paytym debit card. I told Capital First executive that I had already paid the amount then why they are always calling and harassing me.Then they started asking about transaction reference number which was already recorded at their end while payment, but still they are calling every single day as if I am not paying my EMIS.
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COMPLAINT REGARDING SUBSIDY FROM SUBMITTENCE & THE IRRESPOSIBLE BEHAVIOUR BY THE CAPITALFIRST EMPLOYEE AND RELATIONSHIP MANAGER by RAHUL S/O SHRI OMPRAKASH:
(5 of 5)
HELLO THERE,
GREETINGS!!!
THIS IS RAHUL DHARIA, CONSUMER OF CAPITAL FIRST HAVING LOAN ACCOUNT NUMBER 13854805. I BOUGHT THE LOAN SCHEME IN DECEMBER 2017 WITH SUBSIDY FACILITY. MY LOAN WAS APPROVED IN JANUARY AND I STARTED PAYING EMI BY FABRUARY ITSELF.
AT THAT MOMENT OF APPROVAL, I FILLED AND HANDED OVER THE SUBSIDY FORM TO YOUR COMPANY EMPLOYEES ‘RAJ DUBEY’ & ‘RAVI’. I WAS IN CONTINOUS TOUCH WITH THEM AND CUSTOMER CARE. THEY ASSURED ME THAT SUBSIDY WILL START REFUNDING TO MY ACCOUNT WITHIN THREE MONTHS. BUT I RECEIVED NOTHING. I WAS TOLD BY CUSTOMER CARE THAT MY FORM WAS NOT SUBMITTED YET.
I RECEIVED SOME DOCUMENTS REGARDING THE LOAN MEANWHILE. I TOOK MY COMPLAINT TO DEVENDER FARSWAN-RM (9958552343), AND KEPT IN TOUCH FROM MAY TO JUNE. AFTER FOLLOWING UP REGULARLY, MR DEVENDER TOLD ME THAT MY SUBSIDY FORM WAS NOT SUBMITTED.
THEN IN 6TH JULY, 2018, I SUBMITTED MY SUBSIDY FORM TO DEVENDER FARSWAN BY HAND. HE TOLD ME THAT MY FORM WILL BE SUBMITTED TO THE HEADOFFICE WITHIN ONE WEEK. AFTER TWO WEEKS, I CONTACTED THE CUSTOMER CARE FOR THE CONFIRMATION & THEY TOLD THAT MY FORM IS STILL NOT YET SUBMITTED.
I WAS TERRIBLY FRUSTATED WITHING THIS TIME. I CONTACTED MR DEVENDER FARSWAN REGULARLY TO ASK WHY MY FORM IS NOT SUBMITTED BUT HE ALWAYS COME UP WITH THE SAME ANSWER THAT HE WILL CHECK TODAY, BUT NEVER GAVE ME A SOLID REPLY. I HAVE TO CALL HIM AT REGULAR BASIS BUT I RECEIVE SAME REPLY ALWAYS.
PLUS I HAVE ALSO PAID YOUR COMPANY 12000/- FOR LIFE INSURANCE AND 13353/- FOR HOME INSURANCE. I HAVE NOT RECEIVED ANY INSURANCE DOCUMENTS TILL YET. I RAISED THE COMPLAINT TO SAME PERSON DEVENDER FARSWAN, BUT ALL WENT IN VAIN.
I AM COMPLETELY FRUSTATED AND LOSING MY FAITH IN CAPITAL FIRST. MY QUASTION IS THAT I AM NOT RECEIVING THE SUBSIDY BENEFITS, SO WILL BEAR THE LOSS I AM FACING? ITS ALMOST 2000RS APPROX EVERY MONTH LOSS FOR ME. WHY I HAVE TO FACE YOUR IRRESPONSIBLE EMPLOYEES?? IS THAT HOW YOU TREAT YOUR CONSUMERS?? I AM FACING PROBLEMS SINCE I AM USING YOUR SERVICES.
I AM MENTALLY HARRSED BY GIVING YOU MY HARD EARNED MONEY AND REALLY HAD A VERY BAD EXPERIENCE.
THEREFORE, I WANT CAPITAL FIRST TO LOOK INTO THE MATER AS SOON AS POSSIBLE. OTHERWISE I WILL BE MORE THAN HAPPY TO GO FOR CONSUMER COURT & LEGEL COMPLAINT.
ATTACHED ARE THE DOCUMENTS FOR THE REFERENCE.
THANK YOU.
SINCERLY
YOUR UNHAPPY & FRUSTATED CUSTOMER
Rahul Dharia
Bodyshop Manager
Viraj Automobiles Pvt. Ltd.
A-18,Sec-6, Noida
Workshop- 9910121101, 120-4069914/49
Email- service.manager@vw-virajautomobiles.co.in
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