@niraj

Student

[@niraj @nirajchaubey2]

@culturecircIe @culturecirclein @AmitShahOffice @jagograhakjago @FinMinIndia @devanshjn I order mystery box blue from your website my payment is deducted but I didn’t get order Id I complain so many times on your WhatsApp they just take my number that’s it 9619645139

[@niraj @nirajchaubey2]

@AmitShah @FinMinIndia @jagograhakjago @ConsumerReports @culturecirclein @culturecircIe this company did not respond my complaint I payed 3000 but they did not give me order id

[@niraj @nirajchaubey2]

@culturecirclein @culturecircIe @jagograhakjago I order mystery box blue from your website my payment is deducted but I didn’t get order Id I complain so many times on your WhatsApp they just take my number that’s it 9619645139

[@niraj @nirajchaubey2]

@culturecirclein no reply coming from your side

[@niraj @nirajchaubey2]

@KiaInd @Kia_Worldwide @jagograhakjago @nsitharaman @FinMinIndia @AmitShah
Dear Sir/Madam,

I am writing to formally raise a serious complaint regarding my Kia Carens, which I purchased in March 2025.

Due to technical issues, my vehicle was towed and submitted to the authorized Kia service center on 25 January. Since then, despite multiple follow-ups and 2–3 personal visits to the service center, my car has still not been returned to me.

I am now being informed that it will take an additional 10 days to receive my own vehicle. This prolonged delay has caused severe inconvenience and mental stress. My wife is currently 8 months pregnant, and I purchased this car specifically to ensure safety and reliability during emergencies. Keeping my car for such an extended period without providing any alternate arrangement is completely unacceptable.

Considering the situation, I requested a temporary/replacement vehicle for daily use, but the service center has refused to assist me in any manner.

What is even more concerning is that the service manager handling my case, Mr. Omkar Kadam, has verbally stated that if any issue arises in my car in the future, it will not be covered under either insurance or warranty. Such statements are highly unprofessional, unethical, and amount to harassment and intimidation of a customer.

After paying a substantial amount for this vehicle, I cannot accept threats or denial of my legal rights as a consumer.

I hereby request the following with immediate effect:

1. Clear written confirmation of the exact delivery date of my vehicle
2. Assurance in writing that my car’s warranty and insurance remain fully valid
3. Provision of a temporary/replacement vehicle until my car is returned, or appropriate compensation
4. An internal inquiry into the conduct of the service manager concerned

If this matter is not resolved immediately, I will be left with no option but to escalate this issue to Kia India senior management, consumer court, and other legal authorities for deficiency in service and harassment.

I expect a prompt and written response at the earliest.

Yours sincerely,
Niraj Chaubey
[9619645139]
[MH05FV2788]
[RAC KIA SERVICE CENTER THANE]

[@niraj @nirajchaubey2]

@AxisBankSupport @AxisBank @RBI @FinMinIndia @nsitharaman my issue is still not resolved yet

[@niraj @nirajchaubey2]

@AxisBank @AxisBankSupport @RBI @jagograhakjago @FinMinIndia @nsitharaman

I did a LAP case disbursement on 16 September. The bank on the other side did not accept the DD, so I emailed for its cancellation. Till date, the DD has still not been cancelled, and I am being charged for it and my CIBIL score is getting affected. Now I am being told that it has been cancelled from their end and is pending at a higher level. I need my matter to be closed
It has been 2 months since my case started, yet it has still not been closed. Whenever I ask if it has been resolved, they tell me that it has been done from their side and only the approval from the higher authorities is pending, and that it will get cleared from there. Sometimes they say it is with Pravin Sapakale (Geo Head), and sometimes they say it is with Sandeep Arora (Business Head). I am not able to understand why, even though I myself had mailed for cancellation in September, it still hasn’t been resolved.

On top of that, interest charges have been applied, and now I am even being sent legal notices saying that I am not making the payment — whereas the payment is already lying with you. Instead of resolving the issue, you are wrongly charging me for non-payment.

I need this resolution today itself, and I also need my CIBIL to be rectified immediately.

[@niraj @nirajchaubey2]

@AxisBank @AxisBankSupport @RBI @jagograhakjago @FinMinIndia @nsitharaman

I did a LAP case disbursement on 16 September. The bank on the other side did not accept the DD, so I emailed for its cancellation. Till date, the DD has still not been cancelled, and I am being charged for it and my CIBIL score is getting affected. Now I am being told that it has been cancelled from their end and is pending at a higher level. I need my matter to be closed
It has been 2 months since my case started, yet it has still not been closed. Whenever I ask if it has been resolved, they tell me that it has been done from their side and only the approval from the higher authorities is pending, and that it will get cleared from there. Sometimes they say it is with Pravin Sapakale (Geo Head), and sometimes they say it is with Sandeep Arora (Business Head). I am not able to understand why, even though I myself had mailed for cancellation in September, it still hasn’t been resolved.

On top of that, interest charges have been applied, and now I am even being sent legal notices saying that I am not making the payment — whereas the payment is already lying with you. Instead of resolving the issue, you are wrongly charging me for non-payment.

I need this resolution today itself, and I also need my CIBIL to be rectified immediately.

[@niraj @nirajchaubey2]

I did a LAP case disbursement on 16 September. The bank on the other side did not accept the DD, so I emailed for its cancellation. Till date, the DD has still not been cancelled, and I am being charged for it and my CIBIL score is getting affected. Now I am being told that it has been cancelled from their end and is pending at a higher level. I need my matter to be closed.”

[@niraj @nirajchaubey2]

@AxisBankSupport I need help

[kapil Dalmia @k_d_rocks]

Grievances in @Chola_Official Cholamandalam loan policies and the hidden agenda of fines and penalties

[kapil Dalmia @k_d_rocks]

Dear Sir,

I had taken the individual LAP Loan from the Cholamandalam Investment & Finance Company Limited vide loan A/c No.HE01ROB00000080822 and loan application No.10209732.

On 29.06.2024 ,Interim sanction letter issued for Rs.53500000 on WhatsApp from DSA Arjun Patra & Niraj Choubey without any foreclosure or prepayment conditions .

(copy attached as Exhibit 1).no email was received from the bank.

On July 30th 2024 we sent email reconfirming and requesting in written that the since we are taking a BT from HDFC to Chola and we had same foreclosure /Pre payment with HDFC that after lock in period of 6 months,,we will not be paying any charges and we want same conditions .

On 6th august 2024 we got an email from Chola that lock in period is 6 month and foreclosure is 12 month.We again replied that WE NEED lock in period/foreclosure period 6 month as agreed. We got email from you that it is approved subj to own source of funds .(Exhibit 2)

At that point ,we did not know that own source of funds mean from our pocket ,if we had that much money ,why would we take such a huge loan, moreover ,we took the transfer from HDFC to Cholamandalam with same conditions of HDFC as per our emails sent but it seems we may have been duped by you with certain 'usage of words’ from your bank which are not interpreted by a common man and we go with principles of work.

For a common man -own source of funds is simply means our own sources from where we can arrange to repay the bank which can include institutions, other banks,NBFC,friends,relatives etc .The same way we transferred our loan from HDFC to Chola.

We would never accept such conditions as we had same conditions with our previous bank HDFC where there was no condition of ‘source of funds ‘ when we transferred the loan to your bank.Nor we were given any proper sanction letter prior to disbursement of loan but only an interim letter and assurances on email that no charges will be applicable for prepayment /foreclosure after lock in of 6 months.

Loan was disbursed on 16th August 2024 and we were shocked to know that we have not been given any SANCTION LETTER,only Interim sanction letter was given.We continued to request for the letter via various emails and phone calls (Exibit 3)

Finally we got a sanction letter on 5th Sept by hand from Rohit Jadhav after continue chasing CBS1612 though it should have been given before disbursement of loan with its terms and conditions. (Exhibit 4)

The letter itself has contradictory statements stating on one side that No condition/restriction for preclosure but also includes charges for preclosure in next column .

We DID not get proper sanction letter with terms conditions and charges prior to disbursement else we would never agree to the conditions .Was the letter intentionally withheld so we could not see the high charges of closure and contradictory statements.

I am a salaried individual ,The loan was taken for personal use and not for any business which may be verified .The HDFC loan which was transferred to your bank also had NIL prepay/foreclosure for individual borrower and the same was requested by us to your bank but you have sent us emails with your own language and interpretations and also given us sanction letter after disbursement with misleading and contradictory conditions which were never agreed prior to disbursement and we had to keep on chasing you for this sanction letter which we got after 20 days of disbursement .The loan taken was not for any business nor it was utilised for any business which may be verified. Upon realising that I am paying very high interest charges and much lower interest loans are available ,I applied for transfer of loan and I also got a Foreclosure Letter with NIL charges did 12th Sept 2025.(Exhibit 5)

Why would I take a Loan with such stringent conditions when I was already having a loan with no conditions which was transferred to Cholamandalam . I paid all the charges to your bank to include PF 1.1 %, govt stamp duties and also all my EMI regularly to date and as an individual it is my right to get the loan transferred from your bank .

I also paid all the charges to this new bank AXIS towards stamp duty and other charges and the bank sent a Demand Draft to Cholamandalam for loan repayment .The new bank AXIS also gave me NIL prepayment /foreclsoure charges on sanction letter prior to disbursement of loan .(EXHIBIT 6 and 7)

Shockingly,the Demand draft was not accepted by your bank even though I had a FCL and I was asked to either pay 4% prepayment charges or arrange the loan repayment from my income.

For your information email communication copy attached.

We request you to accept the loan repayment and Foreclosure without any charges on the basis of principles of justice and work ethics .

Thanks & Regards,
Kapil Dalmia

@Chola_Official @RBI @FinMinIndia

[@niraj @nirajchaubey2]

@Uppolice @prayagraj_pol @112UttarPradesh Thank you apke staff aake abhi sab traffic hata rahe hai

[@niraj @nirajchaubey2]

@makemytrip @jagograhakjago @FinMinIndia @makemytripcare I booked a hotel for yesterday but my booking for 10 to 11 but they just provide me for 5 hours and I canceled it but they didn’t return my funds I talk to MMT care person Manisha Dixit they said they will help me but not

[@niraj @nirajchaubey2]

Please action on this this is a scam

[@niraj @nirajchaubey2]

You solved my refund but you didn’t solved my 2x gurante voucher issue

[@niraj @nirajchaubey2]

And that I paid 1500 for trip guarantee 2x but you people give me only 6000 voucher can you please calculate the amount and give me voucher

[@niraj @nirajchaubey2]

My issue is still not solved and what about 2x voucher @makemytripcare

[@niraj @nirajchaubey2]

I booked hotel from MakeMyTrip and hotel didn’t gave me room i paid 3489 for hotel room and I am from mumbai my friend I staying local but he is just a visitor hotel An’s MakeMyTrip are saying that local id is not allowed but my id is from mumbai they both not helping me please cancel and refund my amount @makemytrip @CMMadhyaPradesh @MPTourism

[@niraj @nirajchaubey2]

@ConsumrConxion @jagograhakjago @ArgosWatches they didn’t help me yet refund my money otherwise I going to take action against you

[@niraj @nirajchaubey2]

@jagograhakjago @ArgosWatches I don’t love your products please refund my funds back your company didn’t response me I don’t want product please refund