This is in regard to the complaint posted by me. Here are the points that I would like to summarize as I would be filing a legal case of cheating, forgory, harassment, fraud by Mr. Bhanu and supported by Bajaj Finance by hiding the actual facts:

1. On the first page of the document sent to me, I have not signed which means that I was charged for the EMI Card without my permission and knowledge, even after me not wanting to avail the card facility.
2. Even after charging for the card, I have not received any information nor the EMI Card so far, and it has been more than one and half months.
3. When I signed on the main pages, Rs. 199 was included without my knowledge and neither an approval was taken from me nor a copy of the loan details were given to me.
4. I was asked to send the receipt of the amount on my loan amount, which I did and in which there was an amount of Rs. 200 less.
5. When I raised a complaint stating that there was additional charge on my loan account and clarified if I was charged for the EMI Card, there was an email response stating that I was not charged for EMI Card and also it was clearly stated that even if it is charged it would be collected separately and not included as part of the Loan Amount, which means that it is hidden charges and secondly, it clearly states that I have been cheated or my signature/information have been forged by Bajaj Finance people.
6. Upon sending the receipt from my side, it took more than 15 days for Bajaj Finance to get back with me (a case of cheating and harassment), and later was sent the copy of the Processed Loan Amount papers in which there is a charge of Rs. 199 mentioned, without taking my permission or any authorization.
7. This completely contradicts from the email sent earlier stating that this amount would not be included as part of the Loan Amount and also, it was clearly stated that I was not charged for any EMI Card but how come in the papers it is mentioned that I am charged Rs. 199 and there was no EMI Card sent to me or why is it that Bajaj Finance has completely denied stated that I am not going to receive my EMI Card.
8. There was an email from the Grievance Department stating that they are sorry about the entire episode (after cheating, forging, harassing, causing mental torture etc.), and they have mentioned that if required they would deposit that amount of Rs. 199 to my bank account for which they wanted all my bank details.
9. What is the proof that they may not misuse my bank account details and secondly, I am not happy with the justification that has been provided to me.
10. I would be doing a stop payment on the cheque and wanted Bajaj Finance to process my details once again minus the Rs. 199 and I need an apology letter from the Senior Management stating that they infact have involved in Forging/cheating, harassing and have charged me extra (as hidden charges) and that they have denied the entire information.
11. All the above point 10's responsibility falls under Bajaj Finance organization and as a rule, I cannot be penalized because I am being cheated thoroughly and without my knowledge have either my signature been forged or information has been entered without my knowledge or authorization.
12. Finally, even though there was no phone call made to me anytime (no missed call either), Bajaj Finance Grievance Department has mentioned that they tried to reach me, which is a false statement and I completely deny this statement. This infact is a threat to me from Bajaj Finance.