- I bought a used car from a well known used car dealer in Chandigarh on November 1, 2011. I had paid Rs. 50,000/- as advance payment to the dealer. At the time of making down payment, the dealer promised me that I would get the car delivery in a day or two but it has been more than a month and I am yet to receive the car. The dealer is postponing the date of delivery and also not refunding my money.
Ms. Pinki Soni, Chandigarh
Ans: Hoping that you have taken a receipt for the advance payment made, we advise you to send a notice to the dealer stating that either the dealer should deliver the car at the earliest or refund your money. In the mean time you can also seek help from the local police if the dealer is not responding to your problem. If none of the above works, you can file a case against the dealer in the Consumer Forum.
- I had availed personal loan worth Rs. 90,000/- from a reputed bank. I regularly paid the installments and have paid off Rs. 85,000/-. However my last installment was pending as at the time of paying the installment, I met with an accident and could not adhere to the payment deadline. However, I paid the remaining installment along with interest charged by the bank and cleared the entire loan amount in 2010. However from past one month, I am receiving calls from the bank’s recovery agents asking me to pay the remaining installment with interest for past one year.
Mr. Arijeet Sanyal, Panchkula
Ans: Mr. Sanyal, there is no need to worry as you have already paid off the loan. Write a letter to the bank stating the facts of your case and attach the proof of last installment paid along with the letter. Getting calls from recovery goons can be really taxing and that too when you have made the payment. In recent case, Archana Gorivale had to deal with continuous threatening calls; despite paying most of her installments on time. The Mumbai District Consumer Forum reprimanded CitiFinancial for resorting to illegal means to recover loan money from her. The forum held the company guilty of deficiency of service and said if any amount was due from anyone; it could be recovered only by using legal means.
- I have taken membership of a club by paying Rs. 40,000/- as advance money in November 2010. The total membership fee was Rs. 1.5 lakh rupees. I wanted to make the balance payment by monthly installments. The company agreed to the scheme suggested by me and I was supposed to pay the balance money by paying Rs. 9200/- for 12 months starting from December 2010. For some personal reasons, I could not start paying from the month of December 2010. The club authorities sent me a mail in March 2011 asking to pay the money otherwise my membership would stand cancelled. I was busy and could not revert to their mail. Now when I contacted them, they said my membership is cancelled and I won’t get refund of the money paid as per their agreement clause.
Mr. Samuel Patrick, Chandigarh
Ans: Mr. Patrick, at the time of enrolling for club membership, it was your duty to read terms and conditions of the agreement. Also the company had contacted you to remind you about the balance payment due from your end. The company gave you enough time to decide whether you wished to continue the membership. However you failed to convey your intentions to them, hence there are chances that you may not get advance money from the club. Nevertheless write to the club stating your difficulty in communicating with them and try to get your money refunded or make the balance payment and get yourself the club membership.