Name of Complainant	Tulja Bharmani
Date of Complaint	April 1, 2022
Name(s) of companies complained against	Dhani Loans and Services Limited/ (formerly Indiabulls Consumer Finance Limited)
Category of complaint	Cyber Crime
Permanent link of complaint	Right click to copy link
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Respected Madam/Sir,
Dhani one freedom card number 5085 0702 0206 2121
I, Mrs. Tulja Bharmani (House Wife) Age 50yrs, a permanent resident of Mumbai (Maharashtra) living with my family, I am writing this Complaint letter to notify to you that in the month of November 2021 i was approached by Dhani (DLSL) also known as INDIA BULLS Company sales executive online name Ms Barkha Gupta forcefully for offering free Dhani one freedom card without any cost, I was not interested but somehow she convinced me for the same. She said there is no hidden cost except mininimum monthly (between Dated 14th/15th/16th ) renewal charges to continue the monthly credit limit 5000/- and purchase. I made monthly Rs.295/- first time to activate my Dhani one freedom card and in the month of November 2021 and I made very few purchases between 16th nov 2021 to 11th jan 2022. In the month of January 2022, my last purcgase was 11th January 2022 of Rs. 499/- and then I received text message on 15th January 2022 asking for monthly renewal but I did not go for that month renewal as I am a TB patient as I was hospitalized from 27th Dec 2021 till 5th Jan 2022 ,due to financial crunches I unable to afford monthly subscription for Dhani Card so I did not renew for the same. But from 19th Jan 2022 onwards until 24th jan 2022 (6 days) fraud took place of Rs. 6000 ( 1000/- everyday/ Copy Attached) which was really surprising for me to digest as I did not renew and there was transaction of Rs. 1000/- took place for 6 days ? I could not understand what and who did it ? I called the customer care continually but no one listened to me and they did not even resolved my issue inspite of sending complaint emails to Dhani support team as well as CEO ([email protected] and [email protected]) nor they helped me in anyways as there were only threatening calls coming from collection team for recovery. I have informed Mr Arbaaz (Team Leader/Manager recovery) and legal Mr Siddhesh Pawaar he noted down saying he will help me but after that nothing happened as legal team started approaching me for the same and sending Legal notice/threatening calls from 5th march 2022. Also I would like to address that I went to Chroma to buy some product but Dhani has tagged me as a defaulter and they have spoiled my CIBIL also, I was unable to purchase product on EMI. I am highly harassed and disappointed by DHANI Company as I am not a defaulter nor done any cheating. This all highly impacting my health as I am a TB patient past 3months and my treatment is on ,also I am highly stressed due to all threatening calls. In mobile online notice, one number 9152711818 (Mr Sunil) is there , I called him and explained but in vain. He messaged (Whatsapp) me and asked to come to Office Address (504, Neelkanth corporate park,old nathani road,kirol village, vidyavihaar, Mumbai- to solve problem. Again today also I have received threatning message saying I would be punish to jail for 7 years?
Madam/Sir , I hav lodged an cyber complaint and FIR lodge my complaint/FIR against Dhani Loans & Services (DLSL) Company.
i am attaching all documents filed in POLICE STATION
I request you to consider my case against Dhani Loans & Services (DLSL) Company.

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