I have applied loan PMEGH through Aliana Finance Company, they are from Delhi. They have collected documents and project report was done through CA.They submitted my loan application. Appointment was fixed over phone for verification that officer asked me all questions about my business how about plans, how I make use of loan. After finishing the verification Loan amount was 25lacs, he said 1.25Lac collateral security has to be provided which refundable along with the loan amount. I thought it is refundable once I pay this amount after two days bank people will call they will verify my account details and do RTGS after five hours get credited to A/c. next day bank manager had call from Bank of Baroda, he verified my account details. After four hours he calls again and tells Your RTGS is returned two time, when put the same for audit verification he told three months advance EMI’S has to be paid. I requested him why don’t you deduct and pay, he replied it’s is govt. loan we have to credit total amount. Or else system will not accept, with great difficulty I arranged and paid the same. He said OK I will transfer the amount it get credited to the account. I am waiting whole day nothing happened. Next day again he comes there is a GST issue you have to pay 6.25% of loan amount where he provided me the letter from department. I got angry this is something cheating. I asked the bank and the loan agency to cancel and refund the total amount which I have paid. Then comes Alena finance owner Mr. Vipin and explains me we are not cheating it refunded with 72hours of loan amount credited. I will give you assurance your amount (loan + collateral and GST amount is credited to your account in four hours. Some how I took jewels plegde to finance bank and paid the amount on Saturday 19/05/2018 evening amount of one lac and balance 54000/- on Monday morning. He assured me your loan will be credited by 4pm. You can check the account and inform. I was waiting and waiting even @5:30 also nothing happened he disappeared phone ringing he is not picking the call. Next his staff Mr Arun calls up and says he met with accident so he able to take call now I am handling it. I will tell bank Manager Mr. Om Prakash calls up checked met account details and tells I am sending the RTGS in two hours it will be credited. Again he calls up and tells your NOC is not submitted without this you will not able to withdraw the fund from your account and your account will be blocked. I got very much upset I requested him to cancel all please refund the money. They asked me 65000/- for NOC, when said to cancel they told refund will take 30 to 35 working days. After all verification from department., think that I have wait for so many days, where I have barrowed money from my friend /collegues / relatives keeping jewels I have committed three days I will return. I deceided and confirmation of bank and Mr. Arun I again barrowed money from outside (on interest), and paid they gave the confirmation Wednesday 23/05/2018. @5:30 at any cost amount will be credited. Nothing happened on Wednesday. From morning Thursday till now no one is picking calls no email replies nor SMS reply. Now I am in bad shape. My relatives have given police complaint against me that I have cheated them. I request you to help me immediately.

If you want I will send approval letter, collateral letter, GST letter amount details challans three people mobile numbers