Lazypay : a headache. Suggest further action.

Lazypay : a headache. Suggest further action.

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Deal Subedar
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18/12/2019 : On the due date for my payment of ₹77, I made the payment via lazypay web interface but it failed (money deducted from my account). I again tried to repay the amount but it failed again (probably a technical glitch from your side).

19/12/2019 : ₹10 was added to my dues as late payment fee. On same day, I received communication from lazypay that they have received my payment of ₹77 twice and hence ₹77 will be reversed to original payment method. Please note that both these payments were done by me on 18/12/2019 only as lazypay allows payment of final amount including late fee. Had I tried payment on 19/12/2019, system would have allowed a payment of ₹87 (₹77+₹10 late fee) only and not ₹77.
I also made a purchase on swiggy via lazypay of ₹62.

22/12/2019 : I requested for reversal of late payment fee.

24/12/2019 : Received mail from ‘[email protected]’ as ‘We request you to clear your total oustanding amount so that we can waive off late payment charges’

27/12/2019 : As lazypay system showed only final amount including late fee to repay (₹62+₹10) hence I replied back to ‘[email protected]’ asking for explanation as, ‘Please explain clearly, how much amount should I pay. Also please call me so that I could get a clear picture of my account’.

04/01/2020 : No reply was sent to me and a late fee of ₹10 was further added.

06/01/2020 : I again replied to my previous emails to [email protected] as ‘Late fee is piling up in my account. I am not going to clear the due till I get a call from lazypay.
Call me’
No reply was made to me and late fee kept poling to reach ₹102.

31/03/2020 : I again mailed for waiver of late fee.

01/04/2020 : Received mail that late fee has been waived but on checking found that dues still shows ₹72 with a late fee of ₹10 against my purchase of ₹62 on 19/12/2019

02/04/2020 : Requested for waiver of late fee but received a reply denying my request.

Since then ₹10 is being added daily in my dues as late fee and they are denying to waive it.

I sent this mail to [email protected]

13 Comments  |  
8 Dimers
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Deal Subedar
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Bro if its only a matter of 102 rs you can pay it your daily tension will be wiped off(its my view) and  you can mail their mistake later on

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Deal Cadet
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Credit card is a business of headache if you don’t repay on time.
So repay first, ask refund later.

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Community Angel
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nikhilp1 wrote:

Credit card is a business of headache if you don’t repay on time.
So repay first, ask refund later.

Lazypay is not CC. That’ why it is headache.
Lazypay is credit service by Citrus/PayU. And their profit is from late payment charges mostly.

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Deal Subedar
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_One_Miller_ wrote:

Lazypay is not CC. That’ why it is headache.
Lazypay is credit service by Citrus/PayU. And their profit is from late payment charges mostly.

*mostly = only stuck_out_tongue_winking_eye

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Deal Major
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Avoid these loan apps as much as possible (Lazypay, FK Pay Later, Ola Postpaid Plus, Mobikwik Zip cash ..)
My CIBIL score gone down* by 12 points because of one new loan account created by IDFC First (for Flipkart PayLater)

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Community Angel
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getready wrote:

Avoid these loan apps as much as possible (Lazypay, FK Pay Later, Ola Postpaid Plus, Mobikwik Zip cash ..)
My CIBIL score gone done by 12 points because of one new loan account created by IDFC First (for Flipkart PayLater)

But lazypay doesnt ask for PAN on signup , so it wont affect CIBIL as such (atleast it didnt ask for me )

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Community Angel
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https://cdn0.desidime.com/attachments/photos/610998/medium/6589486133c42bd15fb43b9a6c6e7053dcda99b.jpg?1585909747

@bip100 Pay the whole outstanding amount till now as early as possible and focus on your Target/Aim. In future, you will get many opportunities to earn money. Take this incident as a lesson and keep in mind what @getready said above.

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Deal Major
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androgame wrote:

But lazypay doesnt ask for PAN on signup , so it wont affect CIBIL as such (atleast it didnt ask for me )

You sure about that?
In the past they didn’t but now don’t think so?
They’re now giving some 60k credit it seems

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Community Angel
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androgame wrote:

But lazypay doesnt ask for PAN on signup , so it wont affect CIBIL as such (atleast it didnt ask for me )

Ya, but Lazypay services are deteriorating.

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Community Angel
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getready wrote:

You sure about that?
In the past they didn’t but now don’t think so?
They’re now giving some 60k credit it seems

They always give me the option to increase my existing credit limit of 10k by submitting pan, and yes these accounts are old ones
I created one more using niki recently and that too didnt ask for PAN , so they arent asking still

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Deal Major
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androgame wrote:

They always give me the option to increase my existing credit limit of 10k by submitting pan, and yes these accounts are old ones
I created one more using niki recently and that too didnt ask for PAN , so they arent asking still

Basic accounts are fine..if they don’t ask for PAN
Even my Ola Postpaid (w/ 5k limit) had no PAN requirement but PostpaidPlus (15k limit) needs PAN validation ( loan account via Aditya Birla Finance)

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Deal Cadet
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You should have paid Late Fee of Rs.10 first and then argued for waiver. Instead now penalty kept pooling up. Now they won’t forgo it.

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