Capital First - Complaint for Mental Harassment and Money Extortion against Capital First Co.

dear sir,

sub: complaint for mental harassment and money extortion against capital first co.

ref. no.: electronics durable loan no.: ********

i have taken electronics durable loan for samsung mobile black j* prime from kohinoor electronics store, kandivali (west), mumbai under invoice no.: kan/****** on emi under above mentioned loan number from capital first co.

i am repeatedly getting sms messages about bouncing of our *th instalment (emi) against above mentioned loan from capital first company. i have crossed check with my bank and i found that there is a sufficient balance in my bank account.

i faced the same situation during my *rd instalment too, though i was having sufficient balance in my bank account their emi got bounced and capital first people bound me to pay immediately bounced emi with penalty of rs. ***.** forcefully and i paid rs. ****.** against my actual emi of rs. ****.** online through their website under transaction reference no.: jboi********** on *th june ****.

this time i asked them to provide me their r* report to know reason behind bouncing of *rd as well as *th emi. when i saw their r* report i was shocked; they have written insufficient balance as reason of bouncing emi’s. immediately, take up these reports to my bank and asked them to cross check.

my bank has crossed check their r* report and found; due to wrong account number written by capital first they have returned this emi’s. i have taken this clarification from bank in writing and showed to capital first company.

i send them scanned copy of my bank account passbook too in which; it’s clearly shows that i was having sufficient balance; infect more than rs. ****.** at any point of time. please note; bank always charge dishonour charges against emi or any cheque bouncing which is not happened in my case and the same you can cross check with my bank passbook.

i have put up this matter on social media portal called www.indiacomplaints.com and already discussed about this matter with mr. prakash sakhat who handles social media complaints of capital first company. but, they are not ready to accept their mistake. though i gave them documentary evidence; they are not ready to reimburse my excessive amount rs. ***.**; which i have paid them as penalty because of mental harassment given by their collection agents against their false allegations against of *rd emi bouncing for the date **.**.****.


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now, once again mr. prakash sakhat and capital first company started giving me threatening calls by their collection agents and harassing me. i got calls from their collection department/agents about this issue and they spoke with me very rudely and they were pressuring me to pay emi on immediate basis. i got call from their telephone numbers i.e ***-******** and ***-******** on dated **.**.**** at **.**am and **.**.**** at *.**pm.

herewith, i am enclosing my bank account passbook and conformity letter about sufficient balance given by my bank.

expecting your positive reply.

thanking you.

yours truly,


manan upendra shah
mobile: ****** *****