[Resolved]  DHFL Home Loan — Complaint against cheque deposits

Dear Sir,
We acknowledge your mail.
At the outset we can not deny what you have said. There is possibility of inconvenience caused to you by the staff, which cannot be ruled out. IN an organization if this size we do issue dos & donts for the staff especially behavoiural attitude of the staff towards the customers.
We shall be obliged if you give the name of the brnach, your loan account number, for enabling us to investigagte the matter.

Thanking you,
ASSURING YOU OF OUR SERVICES.

The Managing Director / The Chair Person
Dewan Housing Finance Corporation Ltd.

Ref Housing Loan Code : 00003328 & File No. 00005531

Dear Sir,

I had taken the above mentioned housing loan from DHFL in August, 2002. Right from the beginning, every year I have been giving post dated cheques (dated 2nd of every month). Till date I never gave any chance to return the cheques issued to DHFL. Instead, I had given a standing instruction to my bank (UBI, Nagampadam Br., Kottayam) to honour all the cheques issued to DHFL. And if, in case, sufficient balance is not available in the account, instruction had been given to tranfer the required fund from another account of mine to honour the cheques.

Sir, I have been working in Dubai from January 2008. But, before leaving for Dubai I had issued post dated cheques dated 2nd of every month for two years (till December, 2009) - for Rs. 4, 000/- per month. On 22.08.09, I had to go on emergency leave since my mother was in sinking stage; and we lost our beloved mother on 25.08.09. Now, I am coming to the point - on 24.08.09 when I was standing near my mother's death bed, one gentleman from your Kottayam branch office called me informed me that there is a due outstanding from my side. I told him there is no pending from side as I had given post dated cheques and that there is enough balance in my account to honour the cheques issued. Then, that gentleman told me – he will check in the system and call me back within half an hour. But he didn’t call me; when I contacted him after one and half hours he gave me the same answer again. After that I couldn’t contact him as I was busy with the funeral functions of my mother. After coming back to Dubai I told my wife to contact your Kottayam branch office and to get the details. When she checked with your office they are telling the instalment for the month if January, 2009 is still pending. Infact, this cheque (Ch No. 87166 for Rs. 4, 000/-) had been cleared from my account on 20.01.2009. Even if there is any confusion, is this the way to communicate?! After eight months??!! Unbelievable!!! It shows the responsibility of your staff members. Definitely this will affect the reputation of DHFL.

As per my instruction my wife has submitted a copy of my bank statement which shows the clearance of the concerned cheque to DHFL, Kottayam office. Then, they told her, they forward the statement to DHFL, Ernakulam office and confirm back. After three/four days when she contacted the Ernakulam office, they told her that they don’t have any idea about the statement. She contacted DHFL, Ernakulam, again after two/three days, then they informed her that they got the statement and they returned the same to the Kottayam office and that they will confirm after checking in the system. But, still we are waiting for a reply.

On 15.09.2009, I contacted your Ernakulam office directly from here and complained about the matter. I also informed that I will make a written complaint to DHFL head office, if I am not getting a favourable reply within 2-3 days. But, till now we didn’t get any reply from your Ernakulam / Kottayam office. My bank already confirmed me that the amount had been gone to DHFL, Kottayam. I request your good self to take necessary steps to clarify the matter immediately, and to give credit to my account on the same date ie. on 20.01.2009.

Another thing I would like to bring to your kind attention: I had given post dated cheques dt.2nd of every month; but almost all the cheques had been coming to my account only after 20th . Now, I doubt that your people are making delaying depositing the cheques and charging me interest for that period also. I request you to kindly clarify this matter also; and send me a statement of my loan account from beginning to till date, Kindly do the needful.



Thanking You,

Yours Faithfully,

Georgekutty Sebastian
Accountant
Middle East Insulation LLC
P.O. Box : 14225
Jebel Ali Industrial Area II
DUBAI
Mob : [protected] /[protected]
Email : [protected]@gmail.com / [protected]@mei-uae.com

TO,
THE MANAGING DIRECTOR/CHIRMAN,
DHFL..
SUBJECT :- REGARDING SERVICE OF YOUR
VASAI BRANCH IN THANE
RESPECTED SIR/MAM,
I MR RAJKUMAR SIDHAI SHARMA HOARDING A HOUSING LOAN FROM YOUR SAID BANK WITH AC NO:- 2327 . SIR/MAM I AM A GENUINE CUSTOMER OF YOUR SAID BANK. DUE TO SOME OF PERSONAL PROBLEMS I HAD NOT CLEARED MY 3 EMI’S . AND THE BALANCE WAS LEFT OF RS 10500. SO I GOT A LETTER FROM YOUR HEAD QUARTERS TO CLEAR ALL THESE AMOUNT AND FOR THAT I PAID RS 7000, BY CASH IN YOUR VASAI BRANCH ON 10th OCT 2009; AND ON 12th OCT 2009, A MAN CAME FROM YOUR HEAD QUARTERS AND ASKED ME TO PAY RS 10500. ACTUALY SIR/MAM, I WANTED TO KNOW WHAT IS THESE GOING ON IF I HAD CLEARED MY PRE EMI'S MONEY THEN WHY IAM BEING HARRASED BY YOUR PEOPLE LIKE THESE.
SO SIR/MAM, PLEASE TAKE A KIND NOTICE AGAINST MY REGARDS.
YOUR’S SINCIERELY
RAJKUMAR SHARMA

last two month loan statement

YES I DO AGREEG, THIS IS A FRAUD BANK, THE AGENTS OF THIS BANK CONVINCE THE PEOPLE BY TELLING THAT THERE WONT BE A PROCESSING FEES IF THE LOAN IS REJECTED, BUT ONCE THEY RECEIVE THE DOCUMENTS THEY IMMEDIATELY PROCESS THE PROCESSING FEES EVEN BEFORE THE CIBIL REPORT ARRIVS, THIS IS A FRAUD BANK DONT APPLY FOR LOAN FROM THIS BANK

AGENT NAME - ANIL BHAMGUDE
MOBILE - [protected]

Documents submitted at Prabhat road pune branch

TO,
THE MANAGING DIRECTOR,
DHFL..
SUBJECT :- REGARDING SERVICE OF YOUR

I have taken two loans from your bank one with number 3269 and 3477. Your staff in chitradurga and davanagere are really harassing the customer like anything.

I have been requested for statement 15 days back for the sake of submitting to IT, but chitradurga manager says that davanagere manager need to give and vice versa. These two guys are playing and harassing like anything. Till now i have not recieved any statement from either of them. I need to submit tomorrow EOD without miss, or else i will be loosing around 40K as tax. If this happens I am thinking to lodge a case in consumer court.

I hope someone will answer for this and help me. My email id : murulidhara.[protected]@gmail.com

Thanks & Regards,
Murulidhara K
murulidhara.[protected]@gmail.com

TO
Mr. Kapil Wadhawan
Chairman & Managing Director
Dewan Housing Finance Corporation Ltd.
6th Floor, HDIL Towers
Anant Kanekar Road,
Bandra(E), Station Road,
Mumbai – 400051
Fax[protected]
Dear sir
I am a trader of marble. I am carrying my business for last 8 years doing retail trading in marble. I have a cash credit account with state bank of India for last 7 years of Rupees 14, 70, 000/- against my property estimated approximate valuation of Rupees 70, 00, 000/- . I wanted to shift my cash credit loan to EMI based loan. Representative from your company approached me and I applied for a loan against property.
With much profound grief I am writing this letter to you. I have applied for a loan against property to your bank on 29 july 2013 along with all the papers. I wanted a foreclosure of my cash credit loan and transfer to loan against property. I talked with DHFL and they agreed to do the same. On 05 August 2013 I received a sms in my mobile about receipt of my application and allotted with enq id BRSC523121. It stated that “ YOUR LOAN APPLICATION HAS BEEN PROCESSED . KINDLY CONTACT OUR SALES EXECUTIVE FOR FURTHER REQUIREMENTS.” Along with my loan application I have deposited 3 cheques . Cheque no 7289 amounting rs 5618.00. cheque no 7290 amounting rs 1600.00 and cheque no 4912 amounting rs 11236. All the cheques were cleared from my icici bank account number[protected] on 10 august 2013. In the due course of time my verification was done by your bank, valuation of my property was done and technical inspection was also carried out. In several occasions I received call from your DHFL 4 N.C. DUTTA SARANI, CLIVE GHAT ROW UBI BUILDING 1ST FLOOR. OPPOSITE SAGAR ESTATE DALHOUSIE KOLKATA 700001 and asked to visit there for few queries. I visited there and solved the queries. On 27th august I was confirmed that my application is complete and I will get the loan. I applied for rupees 3500000. I was said that you will get between 3000000 to 3200000. On 29 august 2013 I received a call from mobile number [protected] by Mr Krishanu who introduced himself as a representative from the credit department of DHFL 4 N.C. DUTTA SARANI, CLIVE GHAT ROW UBI BUILDING 1ST FLOOR. OPPOSITE SAGAR ESTATE DALHOUSIE KOLKATA 700001 wanted to visit my office. He visited my office and asked several questions which I replied and showed all the documents he asked from me. Before leaving the premises he asked me for a bribe of 2% of the sanctioned loan, which I denied straight way. He even said that If you don’t agree to my proposal then your loan will not be sanctioned. At about 04 37 pm I received a sms enq id BRSC533940. It stated that “ YOUR LOAN APPLICATION HAS BEEN PROCESSED . KINDLY CONTACT OUR SALES EXECUTIVE FOR FURTHER REQUIREMENTS.”
On 31 August at about 02 19 pm I received a sms from DHFL stating “Dear customer, your loan application 00905422 dated 29 August 2013 with DHFL has been declined. Kindly contact your Sales Executive or visit our nearest branch. “ . I visited several times to your aforementioned branch but treated like a shuttle cock by the branch manager Mr D. K. Mishra., Mr Arpan from credit department. Nobody can say me why my loan application was declined. I meet Mr Sanjeev Patnaik, who informed me that my loan application was declined for low eligibility, but could not state that how much is my eligibility when I already got a loan from sbi 7 yrs back with less valuation of property and less sound income tax profile.
As per the para 5 of RBI/[protected]/280 DBOD.No.Leg.BC.65 /09.07.005/2006-07 DATED March 6, 2007 your institution is supposed to submit me the reasons in writing.

On enquiring I found that your institution has a practise of receiving lots of application and rejecting them without any written submission and not refunding the processing fee. When I approached with this point I was promised that my processing fee will be refunded. I submitted an application to Mr D K MISHRA, but not received any refund of fee till date.

I know that granting of loan is at full discretion of the financial institution where I applied for loan, so I have no grievances for why I have not got the loan.

I need the clarification on the following points.

1. What happened to my loan enq id BRSC523121. Dated 05 august 2013.
2. How a new loan enquiry id BRSC533940 dated 29 august 2013 is opened without my consent when I refused to pay bribe to Mr krishanu before rejecting the loan enq id BRSC523121. Dated 05 august 2013.
3. Why the reason of declining my loan application has not been intimated to me in written even after 35 days of declining the same.
4. When I will get refund of my processing fee.
I would also like to clarify on RTI ACT that how many loan application is received by your institution every month and how many are processed and how many processing fees are refunded for the declined loan application and the accountability of that money and report the matter to RBI for further necessary action.

Last but not the least, now I will like to share my experience I gathered from your institution with everyone through my facebook, other consumer forums, local tv and other media SO THAT PEOPLE THINK TWICE BEFORE SUBMITTING THEIR APPLICATION TO YOUR INSTITUTION AS IT WILL BE A LOSS OF TIME AND MONEY.

Thanking you

04 sep 2013 SAMARESH DAS

Email:- [protected]@gmail.com mobile:- [protected]