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First Capital Ltd Cheated by the company for not informing proper information

Complain ID : CCN026470   45  

Banks Complaint Complaint Date: March 8, 2017
Modified date: March 20, 2017
My sister being a common people brought a Sony LED TV from great eastern by EMI facility by First Capital Ltd. Due to title change activity her bank account closed. She inform the agent sitting at Great Eastern Shop and submit the document to facilitate the same.Neither the agent nor any company executive inform her to submit with proper document or any process to do the change.after 2 days they called her and told her to submit cash on monthly basis and she agree for the same paid all the amount. Mean while the company continue cheque bounce monthly twice which was unknown to my sister.after that she goes to bank for new loan after 1 years and come know that the Capital First Ltd make CIBIL charge of non payment of 8800 INR for the same name. Now she is unable to take loan .She visit the branch and they advice you have to pay the money otherwise you will not got any loan from any where.
Now my question is::
1.Being a common people she is not aware of the fact and the company neither tell her the policy ,then why the company charged the amount?
2.Loan amount 13144 INR and She have to pay extra 8800 INR for the cheque bounce?Is the company is a true customer friendly if not then who will take the action against the company and way of action?
3.It's being a fact I think I ready to pay for my mistake for the amount they charged but I am being Indian citizen need a strict action against the company so that their license can be drop and they are no where to cheat any body else.
4.Being Indian Citizen , I want to know they way we can show cause the company to stop fraudulent the people of India.
5. Another question , I need to know why the company charged monthly due amount during cash collection procedure where other company do it.It's simply a process gap and lack of sharing information to common people ,I want to judgement to stop the fraud company to fool people of india.
My details::
Ruma Maity Mahata
Loan No::2466271
Due amount ::8800
Loan Amount::13144
Complaint Against / To: First Capital Ltd

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