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Bajaj finserv - No response on insurance claimed.

I have purchased an OPPO A57 mobile phone from Sai Mobile store, from Sai complex at Brahmapur, Ganjam, Odisha, 760001 on 28.02.2017 for 14990/-.But I was pursued to buy it through BaJajfinserv with a small downpayment amount and rest in installments.This is my first experience with BajajFinserv.It was 8.30 pm and the agent brought some forms and I put my signatures on them and paid 5000/- to the dealer as downpayment and came out . I thought that the EMI will be fixed only on rest 9990 only. But they Bajaj Finserv prepared two loan accounts against me one for the product and other for its insurance and fixed @1438/- i.e 1250/- for product + 188/- for insurance .Accordingly I followed and going on paying EMIS for March, April and May 2017 regularly. But just before third month ending, one day while I was riding the bike the phone got wet and since then it did not work. on June I went to dealer and complained and requested to get it repaired as the phone has warranty of one year and also insurance.The dealer sent it to the service centre and reported that the mother board is totally damaged and I was advised to claim insurance for its repairing. So I went to the Bajaj Finserv office and claimed insurance. But showing a reason of internal damage it denied to pay insurance. so I returned the phone to the dealer to make arrangement for its repair.But Bajaj insurance continued deducting EMI with the canceled cheque issued by me.But till today I have not used the phone but paid the total amount for nothing Neither the insurance company nor the dealer helped me. I lost more than 15000/-from my account. I wrote to Bajaja care centre and to the dealer 100 times but no result .When I stopped Emi payment in Dec.12 Bajaj keeping touch with bank took two Nos of EMIS on 12 and 21 Dec.17 without my knowledge. Apart from that I got some threatening phone calls from unknown numbers to attack me if and when I would be at Brahmapur. I want justice.I want my phone in good condition as I have paid the total amount with interest and insurance fees. Here the bill and payment statement attached for your reference. Debaraj mahapatro

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