1.283 - 2.068
Hello future bee.
2.478 - 3.303
Hello future bee.
5.116 - 12.084
Good morning, ma'am. #Ah I'm being calling from the <initial>SBI</initial> Bank. We have received a complaint regarding your extra charges on <initial>EMI</initial>.
13.685 - 15.398
#Ah Yes, I have received.
16.438 - 20.622
#Ah ma'am may I know your #Ah loan reference number, please.
22.247 - 24.741
Okay, #Ah should I share the last four digit?
25.849 - 26.391
Yes ma'am.
26.562 - 28.554
#Ah It's <PII>four seven nine two</PII>
30.992 - 37.351
Thank you for confirming Ma'am #Ah Ma'am, did you (()) can I know what are the specific extra charges that you noticed in your <initial>EMI</initial> statement?
38.180 - 44.203
Okay, I am #Ah receiving from last month the extra charges of rupees sixteen hundred fifty.
46.853 - 50.160
And I've paid that even in the last months. And this month also I have paid.
52.881 - 64.212
#Hmm Ma'am, #Ah actually we noticed that your <initial>EMI</initial> was, was not paid on the time. And and so these are the late charges that has been applied for the <initial>EMI</initial> ma'am.
65.929 - 70.678
#Ah In the month of February and March, do you say that like I have paid my <initial>EMI</initial> late?
71.634 - 84.877
Yes, ma'am, #Ah #Ah of the day it was supposed to get deducted from your account, #Ah it, it it got canceled because of the less #Ah balance in your #Ah bank account because of which you know the when you re
84.989 - 90.722
initiated the <initial>EMI</initial> #Ah deduction, That is when we charge this extra charges, ma'am.
92.443 - 108.132
But my account was like there was money for the <initial>EMI</initial> because I keep money like on the first of every month that my <initial>EMI</initial> gets deducted on third, my <initial>EMI</initial> gets deducted on third. So on first my account was updated. I can show you the like my passbook update,
110.670 - 124.244
ma'am, because what we are seeing here, Ma'am, #Ah as per your previous details #Ah till the month of Jan~ January #Ah we did not find any such account balance issues #Ah because of which the extra charge was not happened
124.403 - 138.053
as you can notice that it's happened only last twice it's the reason ma'am because #Ah the day it was supposed to get #Ah deducted on third of February #Ah because of the less bank balance minimum balance that was required
138.403 - 145.405
it was #Ah after deducting the <initial>EMI</initial> amount it was getting more lesser than that because of which we did not deduct on that day.
145.953 - 153.728
And the late charges are applied after some days when you came back to us telling that the <initial>EMI</initial> amount was not deducted on that day?
155.387 - 170.184
#Ah Yes, I approached the bank because my <initial>EMI</initial> amount was not being deducted till seventh of the month. Like till seventh February, my <initial>EMI</initial> amount amount was not deducted. That's why I approach the Bank because on the first of February, I have kept my money for <initial>EMI</initial>
170.754 - 180.567
but still it got bounced and still I got the extra charges. Even I paid the extra charge. Then again, in this month, the same thing happened. That's why I have raised an inquiry.
182.790 - 192.065
#Ah Ma'am #Ah may I know last month when this late thing happen, did you reach out to any of the customer service person or it was directly you approached the bank?
193.308 - 205.220
No, I directly approached to the bank, #Ah like my nearest <initial>SBI</initial> bank for the inquiry. They told me to #Ah connect with the person who has like given me the loan.
206.443 - 208.192
loan incharge. Yes ma'am yes.
207.121 - 210.432
Yeah, the loan incharge, then I connected with that person and he told that
210.906 - 213.308
this, #Ah like the way you are telling that
214.543 - 219.981
the money is being, the money was not there. That's why it got deducted. The deduction was not done. That's why the penalty was paid.
222.284 - 235.141
#Ah ma'am, it might I'm sorry for the inconvenience that is caused. It might have happened that because you did not raise your complaint to the customer service last month, It was not rectified by the banking officials
235.400 - 249.025
#Ah as you reached your own loan in charge directly. #Ah This time also we would like to tell you that #Ah #Amm you okay we, I will also note~ keep it noted here that this been happening twice.
249.448 - 258.073
#Ah This time also, I'm sorry for the inconvenience, but you'll have to go back to your loan incharge and ask him to update in the banking records
259.352 - 270.157
that has this been happening. And #Ah #Ah we need to check with your #Ah savings account bank #Ah in charge also like #Ah why is this happening?
270.368 - 274.436
They need to give us the updated statement so that these extra charges are not applied.
275.193 - 276.958
I'm sorry for the inconvenience.
276.153 - 280.289
Yes, yes I will. Yes, yes I will okay I will #Ah what (())
278.783 - 280.683
As you know ma'am the loan department
281.141 - 291.324
#Ah Yes ma'am. #Ah Just two minutes. As you know, the loan department works differently from the banking account. #Ah What happens is sometimes these discrepancies happen.
291.595 - 303.974
#Ah So just make sure that you tell your banking representative to just #Ah keep this updated. It and from next time ma'am for any such issues that's been automatically deducted from your account.
304.277 - 306.954
First please approach your customer service ma'am.
308.902 - 312.564
Okay sure I will and I will provide all my details if needed now.
309.070 - 309.759
Thank you ma'am.
313.576 - 317.141
Yes ma'am. Thank you so much for your time ma'am. #Ah I'm sorry for the inconvenience.
315.504 - 316.018
Thank you.