Significant informations about products are NOT given to Customers

Never buy any product from Croma.

Though its a bit lengthy, after reading this, Im sure you will not go to Croma ever!!!!

Last month on 16/04/2011, I bought Sony Vaio VPCEA33EN/L and I regret for buying it from Croma, Anna Salai. The total cost of the laptop was Rs. 38794 and I paid 7000 in advance and converted the rest Rs. 31794 to 9-months EMI. I swiped Rs. 31794 from my credit card (HDFC.) I've bought many products using my credit card and the EMI process is generally splitting the total amount into what ever EMI plan you want to convert it to and pay it in monthly installments. When I bought this laptop from Croma they DID NOT INFORM ME about their installment schemes neither did the sales associate named Rizwana (who attended us). My credit card billing date is 17th of every month and the amount was converted to EMI on 19/04/2011. I was shocked to see my credit card bill which had two advance payment- 3532.67+3532.67=7065.34 dated 19/04/2011and another 3532.67 dated on my billing date 17/05/2011 including a processing fee of Rs.400, Total of 7465.34. They said THERE WAS NO PROCESSING FEE BUT THERE IS INTEREST. Everything in my credit card bill was opposite to what they said. I was confused and called Croma, Anna Salai for which they asked me to come meet the accountant. I called the bank as well and explained everything for which they said the EMI conversion is decided by the merchant.

Today (28/05/2011), I went to Croma to make things clear. I spoke to accountant Varadarajan who said that I need to talk to the bank about it and they are not responsible. I called the bank right away having him next to me and the bank told the same thing that its the merchant who decides EMI conversion. Varadarajan then explained about their EMI scheme that for 9-months scheme, the customer have to pay a 2 months advanced payment and the rest is converted as EMI to rest 7 months which I WAS NOT INFORMED WHEN THEY BILLED FOR THE LAPTOP. There was an air of confusion when Varadarajan was explaining the EMI scheme to me in front of Rizwana and other sales associates. They were so confused that Rizwana was talking about an EMI that doesnt exists and Varadarajan had to correct it. That clearly shows they did NOT tell me about the EMI scheme when they billed for the laptop. I went to buy the laptop with one of my friends and he is the witness that they did not inform about the EMI plan.

The actual purpose of paying in installments is to be able to pay back depending on our monthly budget. Now because of the mistake of Croma sales associates, I had to pay a lump advance payment (of which i was NOT INFORMED by them.)

If customers are not given the proper care and proper information, then how will the reputation of a shop like Croma NOT tarnish? Im not happy buying a product from Croma and I WILL SUGGEST MY FRIENDS NOT TO BUY ANYTHING FROM CROMA.