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Sale person misguide and make emi instead of full payment by card


04-Mar-2026 (In Criminal Law)
I had purchased a phone from local shop (Anmol mobile) at sector 22 Chandigarh. I have made full payment as asked by seller by credit card instead of cash/ gpay as sale person told me there will be extra discount on payment by credit card. I make full payment as he guide and told. A mesaage of payment 29070 came to me. Thereafter 3-4 days I got a mail from card bank- about my loan and emi for mobile. I was stunned as I never adopted for emi option and neither seller told about this.
Answers (3)

Answer #1
693 votes
if you have phone and its not locked by any bank or loan agency you are free just contact bank about no emi no loan over phone in formal way. also in case you feel cheated send legal notice to shop and wait for reply in case no reply we can file consumer complaint against shop.
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Advocate Prabhjot Singh Chahal

Adv. Prabhjot Singh Chahal

LawRato Chandigarh | 5+ Answers
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Answer #2
601 votes
You should talk to customer care of your Bank/Merchant who issued credit card regarding this. They will change their EMI option into one time full payment on your request. During this they can charge you only a interest till realisation of full payment.
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Advocate Anuj Goyal

Adv. Anuj Goyal

LawRatoChandigarh | 25+ Answers
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Answer #3
960 votes
sir the first step you should immediate take ,that is consult with the bank customer support service and tell them about the unauthorized EMIs .After send a legal notice to the shop if they still not take any action then just the file a complaint in the consumer court against the shop for this fraud. Attach all the bills and receipts with your complaint
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Advocate Mansadak Kanda

Adv. Mansadak Kanda

LawRatoChandigarh | 25+ Answers
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