Oct 29, 2015 11:21 AM
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Taken Two loans from Standard chartered credit card.
One Loan for Laptop and One for Gold.
Before converting to EMI they briefed that 0% processing and 0% pre Closure. No charges and diminishing interest rates.so ever month EMI will be decreasing.
As per my adjustment I started paying EMI in advance as 1st EMI was due in march I paid in February itself and I was paying one particular amount in thought that at last installment I will have to pay less as excess amount will be lying credit in my loan account.
I was surprised and shocked at last installment they asked me to pay higher than 1st installments. I was never defaulted in payments.
but at last EMI that was 6th EMI I argued and had tough writing emails and talks they debited default charges and without taking or any request from me they reverted back.
They even did not have courtesy to talk politely and sticking to point they can adjust in their way, primary to loan and loan to primary.
I used to pay Loan, they used to adjust in primary card account where I used to use credit card and adjust in advance and charge default charges and later on revert back.
They asked me to pay some amount of Rs.1916/- against 2nd loan conversion and later on in next month I can use credit card and adjust that 1916/-
In One month as I had paid they showed Rs.1916/- credit balance and in another month before I use this amount of Rs.1916/- without my concern adjusted in loan and showing the same amount and not low amount .
They just sending EMI every month but not stating that 1916/- is adjusted or this amount as credit.
When I wrote to RBI they gave me credit of Rs.1916/-.
Now My fight is on for interest amount to be given credit and the excess difference what I have paid every month.
They are not willing to pay and as I was out of station in month of September - October for 10 days they took an opportunity that customer not lifting call not answering as if I have accepted and closed the matter.
On return when I read email and I asked RBI to intervene and clear the matter on 16th October, they r not replying the email nor sending me my monthly statement and when calling customer care they are acting that as if they don't know any matter and I have to write them in detail from beginning.
Now I ask you to whom u will trust.
V may think our hard earned money is safe. No Never. U have to keep watch Dogs eye on ur amounts lying in bank.
May be it will be a mere amount of my differences, but its my hard earned money, if they debit it without any confirmations than I will be highly obliged if they credit me with some hundreds in my loan account.
