Pratik From Navi mumbai want legal help in Bank / Check Bounce / Fraud

want to highlight the below issue which I’m facing with one of the non banking financial institution “Clix Capital Services Private Limited” (herewith known as “Clix”).

I took a personal loan of Rupees 5,00,000 (5 lacs) from Clix and entered into the agreement dated 10/01/2019. Please feel nd the attached loan agreement and loan sanction letter.

From the attached letters, it can be clearly verified that there were no pre-payment or foreclosure charges involved.

This was the main reason for me to enter into the agreement even with higher rate of interest of 17.49%.

I wanted to close my account and now Clix is coming up with foreclosure charges. Upon confirmation, they informed that they have changed their schedules with effective 26/12/2019 and claim that they have informed me through email communication but could not provide a copy of the same.

Whereas, I have completed a search of my email address and have not received such email communication.

This is a violation of RBI guidelines of charging without prior intimation to the consumer.

Sir, I also would like to highlight that changing the terms of the agreement as per their (Clix) convenience, they are voiding the terms of our agreement.

They acquired a customer on different terms and conditions; and then suddenly changed the terms as per their convenience.

I never entered into an agreement neither written nor verbal to change the charges.

I tried to get the issue resolved at the end of NBFC but could not reach to a conclusion and therefore this matter is being escalated to you.