HDFC Bank — Loan Amount not reduced

Address:

Chennai, Tamil Nadu

I had obtained a loan approval of 21L from HDFC.

As of 2009, I had taken 10L of loan (and prepaid 2L) and started occupying my home. I no longer will be required to avail further amount. So I requested HDFC on August 2012 to decrease my approved amount of 21L to 10L, since it was required to calculate any changes (I had plans to increase my EMI).

I had submitted all required documents (receipts for amount paid, completion cerficiate etc.) to Sholinganallur Branch of HDFC, who had promised to send them thru their internal courier to HDFC Main branch (Anna Salai, Chennai).

However, its been more than 6 months, and my approved loan amount still shows as 21L. Am also unable to increase my EMI, since as per the bank records, I will still be availing for further loan.

NONE OF THE BRANCH OFFICIALS ARE ABLE TO EXPLAIN WHY THE CHANGE IS NOT REFLECTING.

All my calls go in vain. I visited to Sholinganallur office (where I submitted the documents), and was told to go to their head office. I went there as well, but there also the lady simply stares at me, unable to answer my queries. Am unable to meet the branch manager (Mr. Balakrishnan) as well, who seems to be avoiding this case.

God save people from HDFC.