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Date : 10 May, 2008 Question I wish to bring out a company before you which is looting the consumers and the general public. And yet, no one is able to stop them from doing it. After all, they are doing it so legally My father took a loan of Rs 15000 from GE Money due to some financial emergency. After a few days, we got the letter from them in which, it was stated that, we will be charged at a whopping 43% interest Can you imagine? 43%. Yes, they have and they are doing it I felt very bad as it is a big loss and I immediately collected Rs 15000 from my relatives and went to close the account. On meeting them, they said that we can not close the account for 6 months. It was again such a fraud play. They would eat heavy interest in these 6 months and loot the consumers Helplessly, we paid 6 EMIs of Rs 1104 each. Thus, we had paid Rs 6624 And now, when we went to close the account, we were asked to pay Rs 15800. Yes, Rs 15800 for a loan of Rs 15000 for wh Answer Banks do not allow you pay the loan before six months. Banks charge a pre-payment penalty if you pay the loan before the loan tenure. All these conditions and interest rate are mentioned in the loan agreement. If you have signed the loan agreement then it is assumed that you agree with the terms and conditions. If it is not mentioned in the loan agreement and was not conveyed to you, you can make a complaint with the banking ombudsman on bankingombudsman.rbi.org.in |
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