Hdb Financial Services Ltd — Personal Loan agreement

Address:

Pune, Maharashtra

Dear sir,

I had applied for Personal loan in HDB financial services ltd. I received loan amount on 5th June 2012. But till date I did not received my loan agreement.

My first EMI Date as per loan welcome letter is 4th july 2012. HDB Financial submitted my security cheque on 4th july and it got bounced on the same day due to insufficient funds. My salary credited in 4th July 2012 evening.

My queries.

1. Why delay to give loan agreement?
2. Why bank not waited for one day to clearance of cheque?
3. If I have to wait for loan agreement why bank cant wait for one day to clear cheque?
4. I want bounced my cheque return back.

Please kindly resolve.

Thanks,

Antony
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