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Hi Team, I have taken a loan of ₹36,000 from the Salary On Time app. The field team has continuously followed up with me and forced me to make payments, but the credit team is saying I still have to pay them. They have rejected all the transactions, and I have already paid almost three times the loan amount. Now, even though the loan amount was not properly credited/adjusted, the credit team has initiated a legal notice against me at my office and residential address. I request an NOC for loan closure and a refund of the excess amount I have paid.
You should first preserve all evidence such as payment receipts, app records, chat messages, and the loan agreement. Since you have already paid more than the actual loan amount, you should immediately send a reply to legal notice to the company demanding loan closure, issuance of NOC, and refund of the excess amount paid. For further legal assistance contact us on our helpline number.