I am so annoyed by the amount of reminder phone calls which they make starting from the mid of the month to remind for next months emi. I have had really bad experiences inspite of having maintained a good credit history and with all my Emi’s paid on time. I don’t understand their policy in calling to remind each and every one ot them who have taken the loan as it is up to the customer to keep a reminder and pay the dues. It is ok if they send an email which would suffice and not just one call but hundreds from their time and totally annoyed when u are in the middle of a busy meeting. I guess they should do this if the customer has not paid by the due date but not call them by the 15th of every month to send threatening calls. They have such high interest rates and there are better options for loan and I would strongly not suggest anybody to get a loan from them.