Pathetic customer service!

You don't even deserve 1 star. First of all please answer phone calls and reply on e-mails! I have been struggling to sort out a query/complaint since the beginning of January. No one reads the e-mails properly and do not care to answer customer questions or escalate a query to the correct department. I have also logged my complaint with the complaints department, by no surprise I still have not received ANY RESPONSE. So on the 22nd of January I called the customer service and spoke to Khayakzi. She confirmed that she can see all the e-mails but no one cared to respond to my query. She logged a complaint on her side and said someone will call me within 10 working days. I have also sent numerous e-mails. It has been A MONTH...still no response!! My account is paid up but I keep receiving statements for an outstanding balance! By far the worst customer service I have ever experienced. Don't ever take out a personal loan with Direct Axis. They are quick to give you a loan but serving existing customers are definitely not their strongest point!