Time waste and misguided by institute and Bajaj finance sales person

Subject: Consumer Complaint Against ExcelR Institute and Associated Bajaj Finance Sales Representative for Misrepresentation, Deficiency in Service and Financial Loss I, Kartik Harnot, wish to lodge a formal consumer complaint against ExcelR Institute and the concerned representatives, Ms. Pooja (Bajaj Finance Sales Representative, Contact No. [protected]) and Ms. Alesha (Institute Counsellor, Contact No. [protected]), regarding the alleged misrepresentation, misleading information and unfair treatment during my admission to the Data Analytics and Data Science course. I applied for admission in August 2026, and the institute arranged a loan through Bajaj Finance under Loan Account Number p5v0psc120029079. After completing the admission and loan formalities, I was repeatedly given false or misleading assurances regarding the commencement of classes, resulting in unnecessary delays and wastage of my valuable time. Before the batch commenced in September 2026, I approached the institute to cancel my admission; however, Ms. Alesha and Ms. Pooja failed to provide accurate information regarding the cancellation procedure and loan obligations. Instead, I was told that the loan could not be cancelled and was advised to pay the first EMI and deliberately allow the second EMI to bounce, after which I could repay the remaining loan amount in one payment. Relying on their statements, I faced financial complications and an EMI bounce. Subsequently, when I contacted the Bajaj Finance Solan branch, its representatives explained the loan procedures and raised concerns regarding the information previously provided to me. I also arranged a conversation between the Solan branch representatives and Ms. Pooja, during which she repeated her claims regarding the loan cancellation and repayment policy in the presence of the branch representatives. Furthermore, I was informed that the institute had a cancellation policy allowing cancellation within three days of commencement of classes, whereas I had already requested cancellation before the batch commenced. Despite my attempts, my request was not properly addressed. I have also paid ₹6,665 towards the overdue amount on 13 November 2026, as reflected in my attached payment confirmation. I believe that these circumstances constitute serious allegations of deficiency in service, misleading representation and unfair trade practices, which require investigation by the appropriate consumer authority. I therefore request the Hon'ble Consumer Commission to investigate the matter, direct the concerned parties to provide a complete explanation, consider my request for cancellation of admission and refund of the eligible course fees, examine the loan-related transactions and seek appropriate resolution of the outstanding loan obligations, and grant suitable relief, including compensation for financial loss, mental harassment and unnecessary inconvenience, as deemed appropriate under applicable consumer protection laws.