Harrasment Case, Bought a Washing Machine financed by Capital First Ltd

Complain ID : JGJN016031   81   Complaint's Reply

Loans Complaints  Complaint Date : February 15, 2016
  • State :  Delhi
  • City :  New Delhi
  • Address: Vrindawan Apts, Sec-6, Plot No.1
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

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    RAHUL S/O SHRI OMPRAKASH

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    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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