[Resolved] HDFC Bank — Car loan | |
Dear Sir/ Ma’m Loan Ref. No. – 13389700 I, Sumit Budhiraja, had applied for car loan in the month of June 2008. On 14th June 2008, I was paid visit by your representative for car inspection followed by office inspection. No reply/confirmation followed from your office. On 25th July 2008, I received phone call from your side that car need to be inspected again. On 28th July 2008, car photographs were again taken. I was told reason, that nothing had happened on processing of my loan file, so the previous inspection report had expired. Again no further response from your side. Shockingly, on 9th August 2008, at 4:09 PM, I received a SMS at my mobile from HDFC-BANK, that my first EMI of Rs. 9276/- is due on 7th September 2008. I demand an explanation that till date I have not received any communication/ confirmation and more so over, no cheque/ payment from the HDFC Bank, then how come you can demand EMI from me. I wonder, which is this kind of banking, where without giving loan to borrower, the lender (HDFC) demands repayment. I am completely baffled and frustrated at such a lingering and dark functioning of the bank. I state in clear terms, that you cancel this loan with immediate effect, I am not liable for a single paise payment to you, and if you people try to harass me, I would be forced to lawful measures against Bank. You are advised to revert to me with the confirmation of cancellation of this phantom loan and return my documents at the earliest. I have already waited for your response since June 2008 and now bullishly you demand EMI without disbursing loan to the borrower. Sumit Budhiraja CA, LL.B., M.Tech, MBA, MASE, MCP, B.Sc. Was this information helpful? | |
Aug 14, 2020 Complaint marked as Resolved | |
 11 Comments | |
Comments
A Maruti WagonR Reg.noMH-O3-S-3782 was sold to me by one Mrs.RajDulari a resident of Malad, i met the party through a common channel i.eMrs Parveen i bought the vehicle for Rs.1, 40, 000/-.Then after amonth a lady namely Geeta gadkari came to my place & told me that this car b elongs to me & took the vehicle in my absence, Now the car is in malad & they are defaulters, so pls do the needful.THANKS
Reply
I HAVE APPLIED FOR A CAR LOAN ON 10/10/2008.STILL IT IS UNDER PROCESS.I THOUGHT IT WILL BE CLEARED WITHIN THREE DAYS, THAT IS WHAT YOUR BANK SAYS.I AM EAGRELY WAITING FOR YOUR APPROVAL AND DISBURSEMENT.I HAVE ALREADY BOOKED CAR AND PAID MARGIN MONEY.KINDLY SEE THAT IT IS DONE AS EARLY AS POSSIBLE.WE ARE THINKING OF BANKING WITH YOU HENCEFORTH DO NOT DISCOURRAGE.
THANKING YOU
DHANANJAY TERDAL
MOBILE [protected]
THANKING YOU
DHANANJAY TERDAL
MOBILE [protected]
Sir/Madam
Loan Ref No. :[protected]
I got PL from you on Feb'08'.Since Jan'09', there is no cheque bouncing, But this month i.e., Feb'09', Our bank return the cheque due to your irregular statement.As per your schedule, you are making confusion in banking statement. So Immediately You send me your Repayment Schedule with O/s principal in mail itself.
Loan Ref No. :[protected]
I got PL from you on Feb'08'.Since Jan'09', there is no cheque bouncing, But this month i.e., Feb'09', Our bank return the cheque due to your irregular statement.As per your schedule, you are making confusion in banking statement. So Immediately You send me your Repayment Schedule with O/s principal in mail itself.
I totally agree with sumit as i have applied a new car loan for fiat linea emotion with HDFC on 26th jan 2009 and i was committed by bank officials that loan will get approved and disbursed within four working days. Secondly i have residents proof for haryana and loan was approved from delhi which i have clearly stated from the very beginning but now as on 16th feb 2009 they have disbursed loan amount to dealer and not giving me a NOC for registering my car from haryana. Now i am helpless because i don't have a residence proof for delhi so i cant get a registration from delhi and as committed by bank and not done is that m not getting the NOC so i cant register my car from nowhere. Margin money which i have paid for booking is strucked with dealer. Even there is no instructions to cancel the loan.
Auto Loan Agreement No. 499808
This is to bring to your notice that my father took car loan from HDFC Bank and for this submitted post dated cheques for EMI deduction. There were cheques of 3 banks it that. A schedule was provided to us as to how HDFC Bank will place the cheques and adequate fund was kept in those accounts.
But HDFC Bank placed the cheques in the wrong order and as a result a cheque bounced.
For that, they called my father at their Durgapur Branch and intimated the issue, but never mentioned that a fine has been levied for the same.
Now in Feb 2009 when the repayment was fully completed, they informed that still Rs. 2400 was pending due to that fine. My father had to cough up that additional amount which he could have well payed at the time when he was called up at their office.
So, firstly wrongly placing the cheques and then not informing about the fine when it was first imposed. This is disgusting to say the least and I hope all other who are facing similar problems will bring them to the forefront so that the general public become aware of the fraudulent tactics employed by HDFC Bank.
Thank you,
Suvankar
This is to bring to your notice that my father took car loan from HDFC Bank and for this submitted post dated cheques for EMI deduction. There were cheques of 3 banks it that. A schedule was provided to us as to how HDFC Bank will place the cheques and adequate fund was kept in those accounts.
But HDFC Bank placed the cheques in the wrong order and as a result a cheque bounced.
For that, they called my father at their Durgapur Branch and intimated the issue, but never mentioned that a fine has been levied for the same.
Now in Feb 2009 when the repayment was fully completed, they informed that still Rs. 2400 was pending due to that fine. My father had to cough up that additional amount which he could have well payed at the time when he was called up at their office.
So, firstly wrongly placing the cheques and then not informing about the fine when it was first imposed. This is disgusting to say the least and I hope all other who are facing similar problems will bring them to the forefront so that the general public become aware of the fraudulent tactics employed by HDFC Bank.
Thank you,
Suvankar
Hi,
Here i am mentioning the irresonsible, non reliable face of HDFC bank.
I called HDFC customer care and ask for CAR loan.Executive from their DST team HBL contacted and ask the details of my father(Govt Employee in state Gov, Loan to be processs for him only).Another day an executive came to me without any I Card.I ask for his identification, even i called HDFC customer care.Customer care response was that they are nowhere in this matter whereas i start this process from customer care only.Aneway i gave him all the docs.He promised me even his superiors promised me that it will be approved with in 3 days and i can get my car to be delivered on wednesday.Verfication was done by next day.I was happy with their promtness.I was waiting for their Approval.No response, i called them on tuesday, they told me due to shortage of stationary it will approved by friday.I can get my car on friday.I said OK.Then on wednesday they ask me track record of my father for any Loan availed by my father and without taht it wont be approved.Finally I ask him to cancel the loan request as we cant provide you any track record.
I am very much surprised from their unprofessional way of working.
Now i am asking for my docs back their response is "our excecutive will give you after 3 or 4 days whenever he will passing near by you".
Its really shows HDFC bank's Unprofessional, Non REliable, Iresonsible Image.
Regards,
Praveen
Here i am mentioning the irresonsible, non reliable face of HDFC bank.
I called HDFC customer care and ask for CAR loan.Executive from their DST team HBL contacted and ask the details of my father(Govt Employee in state Gov, Loan to be processs for him only).Another day an executive came to me without any I Card.I ask for his identification, even i called HDFC customer care.Customer care response was that they are nowhere in this matter whereas i start this process from customer care only.Aneway i gave him all the docs.He promised me even his superiors promised me that it will be approved with in 3 days and i can get my car to be delivered on wednesday.Verfication was done by next day.I was happy with their promtness.I was waiting for their Approval.No response, i called them on tuesday, they told me due to shortage of stationary it will approved by friday.I can get my car on friday.I said OK.Then on wednesday they ask me track record of my father for any Loan availed by my father and without taht it wont be approved.Finally I ask him to cancel the loan request as we cant provide you any track record.
I am very much surprised from their unprofessional way of working.
Now i am asking for my docs back their response is "our excecutive will give you after 3 or 4 days whenever he will passing near by you".
Its really shows HDFC bank's Unprofessional, Non REliable, Iresonsible Image.
Regards,
Praveen
To,
OFFICE OF THE BANKING OMBUDSMAN
C/O RESERVE BANK OF INDIA
Garment House, Ground Floor, Dr. Annie Besant Road,
Worli, Mumbai-400 018
[protected]@rbi.org.in
Subject: Complaint Banking ombudsman Scheme- 2006(BOS-2006)
Kind Attn. Mr. M.V. Rele (Asst. Secretary)
Dated September 3rd 2009.
Ref No.1) BOS/M&G/2308/Comp. 5032,6022,8299/MVR/2008-09 dated August 24,2009
Ref No 2) HDFC Bank letter dated NIL.
Ref No.3) HDFC Bank letter RA/CSD/2009/CSE10/288 dated June 13th 2009.
Ref No. 4) HDFC Bank letter dated 5th June 2009.
Ref No. 5) HDFC Bank Ref A_7023 dated 04/08/2009.
Respected Sir,
I am in the receipt of your letter quoted at reference 1. above the complaint has not yet been settled till date & the following points are submitted for the settlement.
1 HDFC Bank has submitted you the statement of previous financer i.e. ICICI Bank which has been foreclosure by
Undersigned till last installment & not by the DSA.
2 The DSA has not yet paid the principal amount and compensation amount of Rs.1 Lac. In our settlement meeting
It was decided that out of Principal amount Rs.40,000, next installment paid by the DSA where as he paid only 1
Installment Rs.28708, & he has paid by DD No. 039377 of HDFC Bank, Dharmpeth branch of Rs. 11,000/- &
Rs. 292 are still balance along with Rs.1 Lac of compensation.
3 However HDFC Bank has assured all charges bounce, late payment & interest will be waived off at time of
Foreclosure charges.
4 In spite of this we have been threatened by many letters reference 5 that your car will be sized with in 7days &
Auctioned & harassing on phone calls also.
5 At one point HDFC Bank has regretted that DSA have defaulted, wide their letter reference 3.
6 It is also seen that in ICICI Bank statement a co applicant was shown naming Mr. Supinder Singh Amrit Singh
Nanda, who has not yet been consulted during this sanctioning of refinancing of car.
7 A d-met account had also been operated by Mr. Manoj, resident bhandara against my A/c no. without my
Knowledge.
8 From the above facts it is seen that I am not at fault & Bank has forcibly given my name in the civil which
Should be removed/deleted as I am not at all at any fault. I had taken this loan for some business purpose which
Has been totally defeated rather, I am in agony & have been harassed by paying the installments in both banks
Resulting I was put into losses at the last I request with folded hands to help me out in toto.
Yours Sincerely,
Damandeep Singh Nanda.
[protected]
OFFICE OF THE BANKING OMBUDSMAN
C/O RESERVE BANK OF INDIA
Garment House, Ground Floor, Dr. Annie Besant Road,
Worli, Mumbai-400 018
[protected]@rbi.org.in
Subject: Complaint Banking ombudsman Scheme- 2006(BOS-2006)
Kind Attn. Mr. M.V. Rele (Asst. Secretary)
Dated September 3rd 2009.
Ref No.1) BOS/M&G/2308/Comp. 5032,6022,8299/MVR/2008-09 dated August 24,2009
Ref No 2) HDFC Bank letter dated NIL.
Ref No.3) HDFC Bank letter RA/CSD/2009/CSE10/288 dated June 13th 2009.
Ref No. 4) HDFC Bank letter dated 5th June 2009.
Ref No. 5) HDFC Bank Ref A_7023 dated 04/08/2009.
Respected Sir,
I am in the receipt of your letter quoted at reference 1. above the complaint has not yet been settled till date & the following points are submitted for the settlement.
1 HDFC Bank has submitted you the statement of previous financer i.e. ICICI Bank which has been foreclosure by
Undersigned till last installment & not by the DSA.
2 The DSA has not yet paid the principal amount and compensation amount of Rs.1 Lac. In our settlement meeting
It was decided that out of Principal amount Rs.40,000, next installment paid by the DSA where as he paid only 1
Installment Rs.28708, & he has paid by DD No. 039377 of HDFC Bank, Dharmpeth branch of Rs. 11,000/- &
Rs. 292 are still balance along with Rs.1 Lac of compensation.
3 However HDFC Bank has assured all charges bounce, late payment & interest will be waived off at time of
Foreclosure charges.
4 In spite of this we have been threatened by many letters reference 5 that your car will be sized with in 7days &
Auctioned & harassing on phone calls also.
5 At one point HDFC Bank has regretted that DSA have defaulted, wide their letter reference 3.
6 It is also seen that in ICICI Bank statement a co applicant was shown naming Mr. Supinder Singh Amrit Singh
Nanda, who has not yet been consulted during this sanctioning of refinancing of car.
7 A d-met account had also been operated by Mr. Manoj, resident bhandara against my A/c no. without my
Knowledge.
8 From the above facts it is seen that I am not at fault & Bank has forcibly given my name in the civil which
Should be removed/deleted as I am not at all at any fault. I had taken this loan for some business purpose which
Has been totally defeated rather, I am in agony & have been harassed by paying the installments in both banks
Resulting I was put into losses at the last I request with folded hands to help me out in toto.
Yours Sincerely,
Damandeep Singh Nanda.
[protected]
hi sir..... i am Anwar kamal from agra .my lone agreement no 14496568 and deposit account no. [protected].
i have car lone from sanjay place brach agra.and i cleared all instalment in time to time but your employ not take the NOC .and charged 500 rupees without any reason. i am very disappointed.
so please gave me my CAR LONE NOC .
your bank customer Anwar Kamal Agra
Thanks...............
dated 7 dec. 11
i have car lone from sanjay place brach agra.and i cleared all instalment in time to time but your employ not take the NOC .and charged 500 rupees without any reason. i am very disappointed.
so please gave me my CAR LONE NOC .
your bank customer Anwar Kamal Agra
Thanks...............
dated 7 dec. 11
Dear Mr Kamal,
We apologize for the delay over your NOC. We will check your details from our end and respond with an update. We request you to write to [protected]@hdfcbank.com with your loan account and contact details and the reference number TTU[protected]. We will assist you.
Regards, Customer Assistance, HDFC Bank
We apologize for the delay over your NOC. We will check your details from our end and respond with an update. We request you to write to [protected]@hdfcbank.com with your loan account and contact details and the reference number TTU[protected]. We will assist you.
Regards, Customer Assistance, HDFC Bank
balance of car loan account no[protected]
Dear Sir
I Pankaj Chechi s/o Sh Chain Singh Chechi R/o H.No 879, Sector – 31, Faridabad, Haryana, India wants to submit as under :-
1. That I am a service class person & working with a Company at Delhi.
2. That I want to Purchase a car namely Ford Figo ZXI (Diesal) regarding which I have checked & take the query online.
3. That on 24/07/2012 I have got a call from an Executive namely Ms Diksha whose no is[protected] who said that I am calling from HDFC bank & she said that they are dealing in the Car loans.
4. That on this I said that I will take the loan from HDFC bank as it is a reliable Bank & I am already a car loan customer of the same bank.
5. That she said that she will send the Executive of HDFC Bank for collecting the Papers & after collecting the Papers she will give the approval within 48 hours.
6. That Mr Praveen Field Executive mobile no [protected] has visited to my office on 25/07/2012 & collect all the self attested documents as well as the original rent agreement.
7. That Ms Diksha & Mr Praveen said that it is the policy of HDFC bank to take the advance cheque of Rs 5000/- in the name of the showroom from where the vehicle is to be purchased. They induced me to give a cheque of Rs 5000/- & I have given the same drawn on Punjab National Bank dated 27/07/2012.
8. That on this I have asked about the receipt of the amount they committed that they will send it through mail after the cheque got credited.
9. That after credit of the same in their account they haven’t provide any receipt but I have visited to the NCR Vehicles Pvt Ltd & received it Receipt in which it is clear that Rs 1500/- will be deducted in case of cancellation of the Booking & it is also mentioned that the cheque is deposited through HDFC Bank. I was not having any knowledge of the same no HDFC officials has explained the same to me.
10. That when I have received the receipt then I got a call from a Person namely Mr Shaanu whose Mb No is [protected] he is speaking that he is a senior person of HDFC Bank & saying in a very rude language that why you have visited to the showroom of NCR Ford.
11. That he also stated that in case of any work or any query only called to me at my Mobile number.
12. That from the date of submitting the documents whenever I have asked about my status they are saying that the application is under process. From the date of submission of Documents I am daily coordinating with all of the above said persons but instead of serving me they are not giving any heeds to my request & also not talking to me in a good moral language.
13. That from now onwards they are not picking my phones also.
You are hereby requested to kindly give the directions to your department to return my original Documents & explain the status of my application & also to talk in good manner as it will give a wrong message to the Society for HDFC Bank & the reputation of the Bank. Please also direct them in case the loan is not approved then they will return the whole amount of Rs 5000/- which is taken by them.
Regards
Pankaj Chechi
Mb No [protected],[protected]
I Pankaj Chechi s/o Sh Chain Singh Chechi R/o H.No 879, Sector – 31, Faridabad, Haryana, India wants to submit as under :-
1. That I am a service class person & working with a Company at Delhi.
2. That I want to Purchase a car namely Ford Figo ZXI (Diesal) regarding which I have checked & take the query online.
3. That on 24/07/2012 I have got a call from an Executive namely Ms Diksha whose no is[protected] who said that I am calling from HDFC bank & she said that they are dealing in the Car loans.
4. That on this I said that I will take the loan from HDFC bank as it is a reliable Bank & I am already a car loan customer of the same bank.
5. That she said that she will send the Executive of HDFC Bank for collecting the Papers & after collecting the Papers she will give the approval within 48 hours.
6. That Mr Praveen Field Executive mobile no [protected] has visited to my office on 25/07/2012 & collect all the self attested documents as well as the original rent agreement.
7. That Ms Diksha & Mr Praveen said that it is the policy of HDFC bank to take the advance cheque of Rs 5000/- in the name of the showroom from where the vehicle is to be purchased. They induced me to give a cheque of Rs 5000/- & I have given the same drawn on Punjab National Bank dated 27/07/2012.
8. That on this I have asked about the receipt of the amount they committed that they will send it through mail after the cheque got credited.
9. That after credit of the same in their account they haven’t provide any receipt but I have visited to the NCR Vehicles Pvt Ltd & received it Receipt in which it is clear that Rs 1500/- will be deducted in case of cancellation of the Booking & it is also mentioned that the cheque is deposited through HDFC Bank. I was not having any knowledge of the same no HDFC officials has explained the same to me.
10. That when I have received the receipt then I got a call from a Person namely Mr Shaanu whose Mb No is [protected] he is speaking that he is a senior person of HDFC Bank & saying in a very rude language that why you have visited to the showroom of NCR Ford.
11. That he also stated that in case of any work or any query only called to me at my Mobile number.
12. That from the date of submitting the documents whenever I have asked about my status they are saying that the application is under process. From the date of submission of Documents I am daily coordinating with all of the above said persons but instead of serving me they are not giving any heeds to my request & also not talking to me in a good moral language.
13. That from now onwards they are not picking my phones also.
You are hereby requested to kindly give the directions to your department to return my original Documents & explain the status of my application & also to talk in good manner as it will give a wrong message to the Society for HDFC Bank & the reputation of the Bank. Please also direct them in case the loan is not approved then they will return the whole amount of Rs 5000/- which is taken by them.
Regards
Pankaj Chechi
Mb No [protected],[protected]
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