Most finance companies will have a rosy sales 'sell' pitch and a below average after sales support. Before filing the case please check the fine print clauses, especially the hidden charges.Sometime you would have received an email about an update, the last line you be something like, if you have any queries please contact us soon. This means, a change would have been sneaked in and you not contacting would imply that you have accepted it.
Whatever the agents have promised you doesn't hold water. In such issues, if it's NOT documented, it did not happen. Bearing this in mind please go about the following.
Get all your documents, email printouts in chronological order.
Phone calls made related to your issue from the time you noted it till now
Names and designations whom you have approached would be useful.
Screenshots of the dates and number of calls from your mobile to the helpline, messages sent and replies received from the time you were approached for the loan/service till now.
My suggestions would be
read through the documents and try to understand the charges, if you have taken it in person, please contact them or walk into the office demanding an explanation, at least they would want to avoid bad publicity.
If you have taken it online, the usual route is the grievance redressal path which will have a time-bound escalation matrix. This is better than the consumer forums, to begin with.
firstname.lastname@example.org. 3 working days for the first contact from the company.
email@example.com 1 month is the turn around time
3.If you are not happy you can contact Department of Non-Banking Supervision, RBI.
for instance, Mumbai office is
Reserve Bank of India,
Regional Office, DNBS, fourth floor, opp. Mumbai Central Station,
Byculla, Mumbai – 400 008
AGAIN, please have copies and proof of everything you submit, everything you sign and everything you receive.
While you are in the process, you can think about sharing your views and issues on common non-legal but high traffic forums
1.consumer complaints platform for Indian consumer complaint forum (https://www.consumercomplaints.in/bajaj-finance-b100204). currently there are numerous(thousands) of complaints reported till date.
2. You can read through the National Consumer Disputes Redressal Commission (http://ncdrc.nic.in/). There are district consumer forums, State commission and the final National commission that you can check and approach the appropriate one.
The key here is that you have to draft the events in such a way that the authorities can establish a 'CAUSE OF ACTION.'
3. If there are many people like you ( working men, housewives, working mothers) who feel they have been misled or duped, then use the media (paper, local TV channel, FM radio stations) specifically at regular intervals until you get some response from the company.