Byju’s Scam for EMI and E-Mandate
By: Yogesh Jakhar
Tags: Help, Support, Learning, Education, Byjus

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In December 2020 I was having a meeting with a salesperson from Byju’s as he knows I am interested in the preparation for the UPSC-IAS exam. And somehow he convinced me for Byju’s IAS curse in EMI terms and for the same, I can give it try for 15 days and if I didn’t get happy with this product then I can return this product back to Byju’s and my I get my refund back.

After 13 days I decided to return the product because I was not getting enough time to check the product and I didn’t find it suitable because I don’t know how to use the product or in short terms, no one explained to me How I can use this product to make my study easier.

In between this time I get calls from Byju regarding the failure of my E-Mandate. They mentioned my E-mandate was failed because of the signature mismatches. And requested me to submit the E-Mandate again, as I was not happy with the service and product so instead of sending E-Mandate again I have applied for a refund and cancellation of the product. But they didn’t approve it at the moment and told me to wait until their service executive connects with me. After 2–3 days I received call and they asked me the reason for the cancellation and I have explained the reason 3–4 times on different calls and they are ignoring this so the deadline can be missed and I have to buy this product.

After a week mentor called me regarding the program this was the first time when I connect with my mentor he never connects with me while I was using my trial period or using the product but in this situation, he connects me and told me your 15 days trial deadline is missed you can’t return this product and I said if this is true then I have to go legally because I have reported the cancelation within 15 days and you were delaying it from last few days, so he mentioned me to wait for a call from byju’s customer care he will send the query to them.

After 4–5 days I get a call from Byju’s and she mentioned me to use this product for 15 more days and after that, I can return the product if I didn’t get satisfied and I have clearly for once but after their continuously replies I said yes to it but after 15 days still I want the refund and they approve the refund after a lot of calls and emails. My cancellation was approved on 4th Feb and I receive the call on 5th Feb from them to get an overview of the product. After 40+days they are letting me know how I can use this product? Isn’t they have to call me for the same within a day or week of product arrival? But that’s not my concern so I am not curious about it.

After a day I receive the message regarding my first EMI Installment whose due date is 7th Feb. For the same, I have called Byju’s customer care and they told me to connect with Byju’s finance department as they don’t handle payment and all so I did it and I called Byju’s Finance Department on of their executive receive the call and I have all the recording of the calls if it gets deleted from Byju’s system. She mentioned that they have not received the cancellation request and according to them my product is not canceled yet in their system and I have to connect with Byju’s customer care again and have to tell them to update the status. I said I have connected with them before and they mention me to connect with the finance department I can’t connect with both of you every time please let me know the solution of this and she says ok she will send me an email address on my WhatsApp where I can raise the concern to get it resolved soon. I have not received any message till today for the same.

After some time I have connected again with them and one person told me that they will connect back in an hour and still I have not received any call and my date is missed. On next day they called me regarding payment of EMI and I clearly mentioned I will not pay because by E-Mandate is failed so my EMI is not approved by the bank and I will not gonna pay any amount. She mentions if I don’t pay then I have to pay EMI every month and my loan will gonna closed even when I told them that your product is returned and I will not pay any amount and she cut the call by saying these lines. I received a call at 1:40 AM from Byju’s regarding my EMI(I never give them the right to call me at night but still they did which is not acceptable at all but still I ignored and hoping for a solution).

After 2–3 days of continuous calls and discussions, I received a call from them and the person on the other side was so nice and he mentioned to me don’t worry nothing will happen to your CIBIL and you have no need to pay any EMI if your product is received by Byju’s after listening to my situation and told me that I will receive the refund within a week and also I received the refund within a week and also and after that I didn’t face any problem. Today I have seen my passbook and there were some charges deduction from my account so I connect with the AXIS Bank executive and ask them the reason for that charges and he said these charges were because of non-payment of EMI or Byju’s.

Now my question from Byju’s and Axis Bank is I have submitted the E-Mandate to Byju’s that’s true but it was get failed and I have the recording and WhatsApp chat for the same too then how this happens. If my signature was mismatched then who signed again on the E-Mandate for approval and if no one has signed on it then how it gets approved and why the bank didn’t notify me once regarding the same?

Byu’s did everything that they can and now I need help from social media and all of you who is reading that post to help me in getting Answers to my Questions. Please share this post with everyone to see the real face of Byju’s. They are doing fraud day by day and this thing is totally unacceptable to me that someone can copy my sign or bank can approve document without a proper sign.

Thank you for reading this post!!!