LazyPay is not permenantely deleting the acc neither providing NOC

[Dr. Drake]

I requested today for permanent deletion of my account from LazyPay. Instead, they just deactivated the account & saying " We do not provide NOC for account closure."
@TechnoFino or anyone need guidance on how to get NOC from them. Should I write to there partner PayUFinance or grievance officer?

 

[TheTrickySid]

I requested today for permanent deletion of my account from LazyPay. Instead, they just deactivated the account & saying " We do not provide NOC for account closure."
@TechnoFino or anyone need guidance on how to get NOC from them. Should I write to there partner PayUFinance or grievance officer?

1. Grievance officer
2. RBI
3. Consumer Court
This should be your flow

 

[Dr. Drake]

Grievance officer done. I hope I don't have to go for point 3 it will be sad state of affairs

 

[TheTrickySid]

Grievance officer done. I hope I don't have to go for point 3 it will be sad state of affairs

I don't think it'll go to step 3.
It should get resolved at the most at step 2.

 

[TheTrickySid]

1. Grievance officer
2. RBI
3. Consumer Court
This should be your flow

Anything wrong @Abhishek012 ??

 

[Dr. Drake]

Man what does it even mean? @HyperBeast

As per our policies, we won't be able to share the NOC of the account deactivation, but you accept this mail as a account deactivation NOC.

Called there customer support too. Placed called on hold twice and bam call cut

 

[TheTrickySid]

Man what does it even mean? @HyperBeast

Called there customer support too. Placed called on hold twice and bam call cut

Customer support over call won't be useful in this case as noc is a written agreement just wait for their reply email.

 

[Dr. Drake]

Customer support over call won't be useful in this case as noc is a written agreement just wait for their reply email.

Already received the reply check above message attachment. As per them, that email text itself should be used as NOC

 

[swastik2233]

Will they show loan as closed in cibil after this "deactivation" ? After all this is what you want. Right ?

 

[manikP]

I placed the request to close my lazypay card in December and received the same response. It still shows an active loan account from payu finance in my cibil even after 6 months of closure.

I read somewhere that account gets automatically closed after 12 months of deactivation.

I know I can get it permanently closed sooner by fighting with them but I'm feeling Lazy now.(Pun Intended)

 

[Dr. Drake]

Will they show loan as closed in cibil after this "deactivation" ? After all this is what you want. Right ?

No that's the problem it's just the temporary deactivation. If I login again into the application it will be activated by default

 

[Dr. Drake]

I read somewhere that account gets automatically closed after 12 months of deactivation.

Yeah this part is true if you don't use any BNPL applications for a year they will be automatically deleted. Atleast true for lazypay, postpe & uni

 

[swastik2233]

I placed the request to close my lazypay card in December and received the same response. It still shows an active loan account from payu finance in my cibil even after 6 months of closure.

I read somewhere that account gets automatically closed after 12 months of deactivation.

I know I can get it permanently closed sooner by fighting with them but I'm feeling Lazy now.(Pun Intended)

Don't be Lazy , or you will have to Pay ( no pun intended for sure )

 

[Dr. Drake]

So after going back & forth at-least 15 emails finally I hear from the payufinance grievance officer. Basically they will be keeping user data for a fixed amount of time(guessing 6months) & will be deactiving the account & informing credit bureaus about same but in meantime if you login or used the service it will be again reactivated.

Meanwhile I closed the postpe with single click confirmed on call & deactivated same day. Will be reflecting in CIBIL in 30-45days

 

[Dr. Drake]

That's their trick ... Customer makes a single transaction and boom ...

yeah uninstalled the app & put a calendar reminder for a followup thats the only way I see for now

 

[Chaitanya_V]

I placed the request to close my lazypay card in December and received the same response. It still shows an active loan account from payu finance in my cibil even after 6 months of closure.

I read somewhere that account gets automatically closed after 12 months of deactivation.

I know I can get it permanently closed sooner by fighting with them but I'm feeling Lazy now.(Pun Intended)

Request them to report it as closed to credit bureaus, mine was updated as closed in cibil within two days of account deactivation.

 

[manikP]

Request them to report it as closed to credit bureaus, mine was updated as closed in cibil within two days of account deactivation.

Yes, I've already sent a mail to them couple of days ago, lets see what happens now

 

[leo77g]

Hi if i dont use lazypay will it automatically get closed after a year?

 

[vaibhav111]

Hi if i dont use lazypay will it automatically get closed after a year?

yeah even i wanna know, i too had use lazypay service not their cc

 

[Vicky99]

1. Grievance officer
2. RBI
3. Consumer Court
This should be your flow

I am on 3 .. from last 2 months and i have tried threatening them still no results . 😂. Tried RBI they told that it wi be closed in 15 days . Around one more month passed but still active in rest credit bureaus. Only cibil was closed .

1. Complaint more than 15 mails to grievance officer
2. Raised closing request on each and every credit bureaus via their portal also rest via mails .
3. Raised RBI request they told 15 days will be closed but 30 days passed nothing happened .

Now they are saying credit bureaus aren't closing 😒


Where as Experian , highmark , Equifax they are saying they are not able to contact them and they are not responding.


I don't know what to do its already 3 month passed and i am able to do nothing.

@TechnoFino