Metal harassment from bank

Querist : Anonymous (Querist) 23 October 2018 This query is : Resolved
I have taken a vehicle loan from a small finance bank in Nasik. I was paying my regular EMI on every 5th of the month. Due to my clear repayment record, bank offer to renew my vehicle insurance through them. They offered me 0% interest on insurance premium which has to pay in 6 EMI. Bank took 6 PDC against the insurance premium amount. When due to date of the insurance premium came bank didn't deposited the cheque and they deposited the cheque after 20 to 25 days it's due date.
After that their recovery team started calling me and asking me to pay the EMI, which was already cleared from account. They continued to call me for next 6 months threatening to pay the EMI which was not due. They spoiled my CIBIL. I came to know this when personal loan was rejected by another financial institution. I came into financial crises due to my loan rejection. Now I have stopped paying further EMI and asked bank to pay me compensation for harassment and CIBIL spoil. Please advice me the further step.

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Dr J C Vashista (Expert) 24 October 2018
Anonymous author is not obliged by experts as per rule of this platform.

Isaac Gabriel (Expert) 29 October 2018
You were able get clear reply from this forum.I hope now at least you would involuntarily reveal identity and thank the LCI.

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