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Beware Senco Gold And Amazon


Beware of ordering anything from Senco Gold Jewellers, Kolkata and the authenticity of reviews on Amazon.in

Here is the review of my order from Senco that Amazon won’t allow on its site :

 Avoid Company And Products At All Cost.
 
1.Charged More than shown online.
2.Very Late delivery and had to resort to multiple phones to get goods or refund.
3.Delivery company opted for by company tries every means of force and fraud to illegally acquire your PAN/Aadhar photocopy.
4.No reason to believe that sellers themselves might not be involved. Mobile numbers they disclose via e-mails are not in existence.
5.Simply no peace of mind after placing an order with this seller. Or even finally receiving the product.

I placed a minor order on Diwali Day. One of 3 on Amazon. No problem with the rest of the Sellers.

In the case of Senco ,order was delivered only after evoking A-Z Guarantee.

Courier is a private party engaged by the jeweller.

Beware of Safeway, the couriers, even after supposed instructions to the contrary by the jeweller and their own higher ups, attempted to forcibly steal PAN details.

In the days of raids on jewellers, caught on the wrong side of demonetization, not knowing if all copies of my PAN that the delivery person tried to steal was destroyed, is giving me no peace of mind.

Who wants to unwittingly provide cover for the hard to explain/unexplainable purchases of others?

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CIBIL and your CIR


wealthymatters.com Before a bank/other financial institute extends a loan to you,a potential borrower, it needs to take a decision on whether you would be able to repay the interest and principal or default and how much  risk is involved in lending money to you.Banks rely on many factors to take this decision on your credit-worthiness – including your income and household income , your other loans and EMIs, your previous repayment history and defaults if any, etc.In the past, the banks had to collect all this information from you before analyzing it. But now, they have a readily available tool to make this decision simpler for them – your credit history in the form of  your Credit Information Report (CIR).

In India, the Credit Information Report is created and maintained by a company called Credit Information Bureau (India) Limited, or CIBIL.The Credit Information Report is a compilation of your repayment history.CIBIL was promoted primarily by State bank of India (SBI) and HDFC. Now, most banks, financial institutions, non-banking financial companies, housing finance companies and credit card companies are its members, and regularly provide it with data about borrowers. Read more of this post

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