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HDFC Bank Personal Loan - rejected my loan app. without any specific reason

 
16 Reviews
User
  ajay11.kumar on Apr 9, 2012
Sir before it I also applied for personal from your bank online smart apply in revert I got a mail my on 19sep2011 I send this mail detail here .but by local side I found a call sir we are providing you only 1 lak of amount sir so I not taken this amount . after that a meham branch open near by me so I again applied here for personal loan and also attached land fard also for increase my loan amount and some reelection on interest rate but at this time a face a no meaning problem .i attach here all my details .

Your loan application has been submitted
Inbox



HDFCBankSmartApply.com Team
<no-reply-15@hdfcbanksmartapply.com>
Sat, Nov 19, 2011 at 10:58 AM
To: AJAY KUMAR <ajay11.kumar@gmail.com>

Reply | Reply to all | Forward | Print | Delete | Show original

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Dear Ajay Kumar,
Your Personal Loan application for Rs. 2,30,000 has been successfully submitted to HDFC Bank
Your application ID for future references is 2022853522.
What next?: HDFC Bank will contact you within 3 days to schedule pickup of your documents. This is a limited time offer, so submit your supporting documents at the earliest. Email us at personalloan@HDFCBankSmartApply.com if you need any help

Your list of supporting documents:
• PAN Card
• Ration Card
• PAN Card
• Pay slip - last 3 months
• Pay slip - last 3 months
• Pay slip - last 3 months
• Salary account bank statement - last 6 months
• 1 Passport size photo

Your Loan Application Details
Product Personal Loan
Requested loan amount Rs. 2,30,000
Requested loan tenure 4 years
Monthly payment (EMI) Rs. 6,786
Quoted interest rate 18.25% fixed

Calculation of Total Outflow on Loan
Loan Amount Rs. 2,30,000
Total Interest Rs. 95,728
Total Fees (incl. Service Tax) Rs. 6,343
Total Outflow on Loan Rs. 3,32,071
Pre-closure Fee 4% of pre-closed amount



Thank you for using HDFCBankSmartApply.com!
Terms and Conditions:
1. Credit given at the sole discretion of HDFC Bank and subject to credit checks and verifications
2. HDFC Bank reserves the right to revise lending rates/offer pricing without prior notice
3. The terms and conditions of HDFC Bank will apply to this application.
4. HDFC Bank reserves the right to amend the offer upon further review of this application
5. Lending rates are governed by environmental and policy factors. All loan pricing offers are extended presuming stability of lending rates in the immediate future
This is a post-only mailing. Replies to this message are not monitored or answered. Write to personalloan@HDFCBankSmartApply.com, if you need any clarification


Current issue is here

From: ajay kumar [mailto:ajay11.kumar@gmail.com]
Sent: Monday, April 02, 2012 10:24 AM
To: 'bonewdelhi@rbi.org.in'; 'pehredar@network18online.com'
Cc: 'ravi.joshi@hdfcbank.com'; 'pnohdfcbank@hdfcbank.com'; 'grievance.redressal@hdfcbank.com'
Subject: FW: 'HBL=014-939-909' Grievance Redressal Form-PNO-0312-346-PA

Dear sir,
On 6th march 2012 I applied for loan application no. 20976178 from meham hdfc bank branch there is dealing person mr. rajesh(9812602000). Sir on 15 march I ask to mr. rejesh about my loan application, he called to hissar head office to mr . virender they say loan application is rejected by reason (you have need at lest 3 year of job experience ) , but I have only 2 year and 2 month of in my government job(m.p.h.w-m) in gernal hospital meham. I attached my offer letter and transfer letter on 15 march . after that I again check eligibility from your bank web site here is mention (had a job for at least 2 years, and a minimum of 1 year with your current employer) . I again discuss to rajesh he give me contact no. of personal loan concern person mr. amit rana(09355524316) but he also reply same you are not eligible due to your job employer, you had 3 year must so we are not login your personal loan file. I also discuss about this matter to meham branch manager mr. Nitin munjal(9034181085). But till date my personal loan file not login .sir please resolve my p.loan request, I suffered at last 3 weak . I think a private bank give me fast loan but I thinking –is it my mistake? Sir I hope you will a favour for me .

Thanks & regards
Ajay kumar
9034433577,9068198165
Dear sir this is my problem and I get those meaning-less reply by hdfcbank
And I hope I found a problem solution and also want a punishment for responsible person for my problem (mr. amit rana, and tertiary manger hissar-haryana)

From: pnohdfcbank@hdfcbank.com [mailto:pnohdfcbank@hdfcbank.com]
Sent: Saturday, March 31, 2012 4:43 PM
To: ajay11.kumar@gmail.com
Subject: 'HBL=014-939-909' Grievance Redressal Form-PNO-0312-346-PA

Dear Mr. Patel,

This is with reference to your email dated 29th March 2012 addressed to our Principal Nodal Officer, Mr. Ratan Kumar Kesh, regarding your personal loan application no. 20976178.

While we appreciate your sentiments in the matter, we regret our inability to consider your case at this point of time. Our Bank's loan approval process involves detailed credit appraisal, scrutiny of documents and market reference checks.

All loan applications are appraised on basis of certain internal parameters that take into account the factors listed below.

1. Repayment capacity as assessed on basis of financial information / net-worth,
2. Job/Residence Stability
3. Credit History and market reference check.
4. Statistically determined default rates for applicants' profile

We regret to inform you that we are not in a position to reconsider your loan at this point of time as your application does not meet the above -mentioned internal criteria of the bank.

Please be assured that our inability to approve the loan application does not reflect on your credit standing or your financial stability.

We would be pleased to provide any other assistance or service that you may require.

Assuring you our best services.

In line with our focus and commitment to Customer Service, we trust we have addressed your grievance in a fair and equitable manner and the issue has been resolved to your satisfaction. In accordance with regulatory guidelines, we are also required to mention that you may approach the Banking Ombudsman (appointed by the Reserve Bank of India); in the event you are not satisfied with our handling of your complaint. Should you wish to exercise this option, please log on to our website www.hdfcbank.com for details of the Banking Ombudsman Scheme – 2006.

Warm Regards,
Mohan B.
Customer Service Manager (Office of the Principal Nodal Officer)
HDFC Bank Ltd. C Wing, Trade World, 11th Floor, Kamala Mills Compound, Senapati Bapat Marg, Lower Parel, Mumbai 400013.
{In Archive} 'HBL=014-939-909' Grievance Redressal Form-PNO-0312-346-PA

pnohdfcbank to: ajay11.kumar 03/29/2012 08:05 PM


Archive: This message is being viewed in an archive.

________________________________________


Dear Mr. Kumar,

Thank you for giving us an opportunity to address your concerns.

We acknowledge receipt of your below email received at the office of the Principal Nodal Officer, Mr. Ratan Kumar Kesh.

Your concerns have been highlighted to the respective unit. We shall reply with the status within 4 working days. We appreciate your co-operation and patience in the interim.

Reference number for your complaint is PNO-0312-346-PA.

We assure you of our best services.

Warm Regards,
Mohan B.
Customer Service Manager (Office of the Principal Nodal Officer)
HDFC Bank Ltd. C Wing, Trade World, 11th Floor, Kamala Mills Compound, Senapati Bapat Marg, Lower Parel, Mumbai 400013.

From: "ajay kumar" <ajay11.kumar@gmail.com>
To: <ravi.joshi@hdfcbank.com>
Cc: <pnohdfcbank@hdfcbank.com>
Date: 03/29/2012 03:49 PM
Subject: FW: 'HBL=014-939-909' Grievance Redressal Form-PNO-0312-346-PA
________________________________________




Dear sir/madam
The reason of rejection of my loan application is not fair. I attached here mr. amit rana call detail.

From: Grievance Redressal [mailto:Grievance.Redressal@hdfcbank.com]
Sent: Thursday, March 29, 2012 2:24 PM
To: ajay kumar
Subject: RE:'HBL=014-939-909' Grievance Redressal Form


Dear Mr. Kumar,

This is in continuation to our email dated March 27, 2012 . We are sorry for the time taken in addressing your matter regarding Personal Loan and convey our sincere thanks for your patience in the interim.

We understand that Mr. Amit Rana of our Personal Loan Division has contacted you in the matter. Subject to the discussions our further advices/ updates in the matter are submitted hereunder.

Your Application has been considered in line with the bank's internal credit policy on unsecured loans and we regret that it will not be possible to approve the case as of now.

All loan applications are appraised on basis of certain internal parameters that take into account some of the factors listed below . The weightages applied to each could vary on a case by case basis at sole discretion of the Bank:


1. Repayment capacity as assessed on basis of financial information/ net-worth,
2. Credit History and market reference check.
3. Statistically determined default rates for applicants' profile (business, area of residence/ work etc.),
4. Bank's infrastructure for collection and follow-up.

We request you to accept the position in good faith. At the same time, please be assured that our Bank's decision is not a reflection on your credit standing and stability.

We sincerely hope to be able to meet your requirements to a better extent in future and thank you in anticipation of your kind understanding.

In line with our focus and commitment to Customer Service, we trust that this Grievance Redressal Cell has addressed your grievance in a fair and equitable manner and the issue has been resolved to your satisfaction. If you are not satisfied with the resolution, you may write to our Principal Nodal Officer Mr. RatanKumar Kesh at HDFC Bank Ltd., Trade World, “C” Wing, 11th Floor, Kamala Mills Compound, Senapati Bapat Marg, Lower Parel, Mumbai-400013 or E-mail at pnohdfcbank@hdfcbank.com or Fax at 022-42197125. Alternately you can call at Tel: 022-30961541.


Warm Regards,
Rekha Bhaskar
Officer - Grievance Redressal Cell
HDFC Bank Ltd.
Our PhoneBanking numbers are available on www.hdfcbank.com> Contact Us.

Subject: 'HBL=014-951-864' complaints for my personal loan applaction ,HBL=014-939-909' Grievance Redressal

Dear sir ,
That is all detail of my complaints.
1. Dear sir,
On 6th march 2012 I applied for personal loan from meham hdfc bank branch there is dealing person mr. rajesh. Sir on 15 march I ask to mr. rejesh about my loan application, he called to hissar head office to mr . virender they say loan application is rejected by reason (you have need at lest 3 year of job experience ) , but I have only 2 year and 2 month of in my government job(m.p.h.w-m) in gernal hospital meham. I attached my offer letter and transfer letter on 15 march . after that I again check eligibility from your bank web site here is mention (had a job for at least 2 years, and a minimum of 1 year with your current employer) . I again discuss to rajesh he give me contact no. of personal loan concern person mr. amit rana but he also reply same you are not eligible due to your job employer, you had 3 year must so we are not login your personal loan file. I also discuss about this matter to meham branch manager mr. Nitin munjal. But till date my personal loan file not login .sir please resolve my p.loan request, I suffered at last 3 weak . I think a private bank give me fast loan but I thinking –is it my mistake? Sir I hope you will a favour for me .

Thanks & regards
Ajay kumar
9034433577,9068198165

Replyed by :-grienance redressal


Dear Mr. Kumar,

Thank you for this opportunity for us to address your concerns regarding Personal Loan

We refer to your e-mail dated March 25, 2012 addressed to Grievance Redressal Cell.

The reference number for this interaction is HBL 014-939-909 which is also mentioned in the subject line. Kindly ensure that this reference number is quoted in all future correspondences (if required) in the matter.

The matter has been taken up with the unit concerned and we will revert within 5 (five) working days. We request you to kindly bear with us till then. However, should you require any further updates in the interim, kindly feel free to revert to us.

Your association is greatly valued by the Bank and we will spare no efforts to resolve the matter quickly.


Warm Regards,
Rekha Bhaskar
Officer - Grievance Redressal Cell
HDFC Bank Ltd.
Our PhoneBanking numbers are available on www.hdfcbank.com> Contact Us.

Dear Customer,
This is a system-generated response to acknowledge receipt of your e-mail to Grievance Redressal Cell. The subject line contains the reference number allotted to your e-mail. This interaction is being tracked through the above reference number and we request you not to change the subject line in future correspondence. Your feedback is important to us and we are committed to provide a satisfactory resolution. Our Customer Service Executive will respond within two working days. In case your query requires further investigation and takes a longer time, we will keep you informed on the time required for resolution.
Please click on the attached url for details of nearest Phone-Banking centre: http://www.hdfcbank.com/personal/access/popup_pbnumbers.htm
Assuring you of our best of services.
Warm Regards,
HDFC Bank Ltd.




Regarding this I found two phone call once from mr. amit rana hissar(9355524316) regional office, others from +911409470059.i attech both call recording with this mail.
But sir still I have not found any positive responds by yours side .

Thanks & regards

Ajay kumar yadav
9034433577,9068198165
Complaint comments 15 Comments     Updated:
Resolve this Complaint  

Comments

N
User
GEETHA KIRAN.N Personal Loan  - India
 

rejected without reason - Personal Loan

I am a customer icici bank, taken a personal three years back, now my loan is cleared (june 08) won i wanted to take Rs 1, 00, 000 (one lakh only) But the DSA has rejected my loan with out giving any reason, pl do the need full.

Geetha kiran.k
N
User
RAVINDER BHAN Personal Loan  - India
 

no response about status of loan application - Personal Loan

i had applied for personal loan for an amount of Rs 150000.00 vd application no2058682on 25th sept 08.after submission of all required documents.i have contacted bank thru support desk but every time i am being told that my issue has been reffered to sales department.but till now nothing has been done in this regard.I would like to know the ground if my application has been rejected.I would like to place following facts before you,
That i am having account with you having account number 00901140086093 (HDFC, SCO 15, Sec Sec 14 Gurgoan, haryana.
Further i am having Credit card of your Bak with C Card No 4346 7810 0373 4571
In view of above i would like to have response from your side on said issue.
Thanking You
Ravinder Bhan
09999094416
N
User
PRAFULLA KUMAR JHAVAR Personal Loan  - India
 

NEED CLARIFICATION ON MY PERSONAL LOAN - Personal Loan

Hi, I had taken a Personal Loan from abn Amro Bank in the 2002 for 51, 000/- and had closed the same loan in the month of Oct 2007. But in the cibil it is showing as out standing of some amount . Request you to forward me the complete details for my loan.
D.O.B.- 02/07/1960.
N
User
sriharsah Settubattula Personnel  - India
 

bank of indin online application - Personnel

Respected sir,
I Sriharsha settubattula, deposit journal no M 448100 branch code 8617, from Visakhapatnam (A.P)
not able to submit my application form and it is showing error.
i had been trying for the past three days but not apply, please help me how to submit application.
N
User
Gurubaran Vellaswamy HDFC Bank - Personal Loan  - India
 

Reason Not know - HDFC BANK - PERSONAL LOAN

Sir / Madam

I had received a call from 02230825940 on 06.09.2009 Ms. Uma was talk to me regarding the Personal Loan.

But I cleared told her that I have two personal loan which was recovery from Salary saving account No.00131050074681 on 07th of every month. The following details informed very clearly to her. :-

No. Loan A/c No. Loan Amount EMI Loan dated
1
13171153 261000.00 9568.00 07.06.2008
2
14906866 100000.00 3923.00 25.05.2009

But Ms. Uma told that me now the personal loan rate of interest is 19% & to can get it Rs.265000/- in which both loan can be closed.

Accordingly, she has send the executive Mr. Jitu ( Mob : 9892764375 ) to collect the documents next day & I submitted the documents & filled up Form.

On 12.09.09 i got a sms congratulations and ref no.15415304 was given to me for to know status.

After that So many times i call up to Ms. Uma (02230825940 ) & Mr. Jitu ( No.9892764375 ) not a proper response answer. I enquired from your customer care but i did not the satisfactory answer . I contact Chembur Branch The person looking Personal Loan does not know anything.

Again get a call from phone no. 02230825871 on 03.10.2009 asking me want a personal loan & submit the document again. i asked her earlier reference no.15415304 for a reason for loan application she have not given any answer for the same.

It is very bad to keep customer in dark which fail all plan of individual.

It is requested that please tell me reason so i can take further corrective and necessary action.

Regards.

Gurubaran Vellaswamy
09320103093
N
User
Gujulva Ramasubbu Ramachary Personal  - India
 

Not replying to any of my Emails - Personal

Dear Sir,
I have sent so many emails for activating my SBI GOLD CREDIT CUM MASTER INTERNATIONAL CARD which was issued to me by Madurai city branch code 0988 kamarajar salai ,Madurai.One fault of me not utilising this from the date of issue since I was operating with my S/B A/C ATM card when I was at Madurai and now I have come to Singapore and I am in need of activation of this card.This card is valid upto 2011.
I was not aware of the rule that if the card is not operated for 6 months from the date of issue.While operated at ATM at Singapore It shows that invalid and unauthorised one.Due to security reasons I have not given the card no and S/B A/C no etc.

This is my request to activate this card. .
N
User
pdas1983 Personal Loan  - New Delhi, Delhi, India
 

re-logging my application - Personal Loan

I applied Personal Loan in march-2010,my loan was approved with a/c no-16218781,then after reject for rent aggrement matter,and i ok this matter and payment of rs-500/- for processing fees to hdfc bank on dt-15/04/10, but not process my application
N
User
ANZCAP HDFC Bank Personal Loan  - VARANASI, Varanasi, Uttar Pradesh, India
 

WRONG PRODUCT - HDFC BANK LTD/ TRADE PRODUCT

Dear sir,
We have opened a current account with HDFC bank , Godowlia Branch ,Varanasi, U.P. on the request of Branch manager Mr Rizvi on 27th April 2008.But The manager opened my a/c in Trade Product whereas I am distributor of mutual fund & get only commission. There after the bank was deducting Rs. 1348.32 as charges on quarterly basis. When I complain the B. Manager he told me not to worry and he will reverse the charges but no charges reversed, then I have given written complian to the Branch and received by the bank Staff Santosh Ojha. But Till date neither the charges reversed nor the branch has changed my product inspite of repeated reminder.

FOR : ANZ INVESTMENTS PVT LTD

ACCOUNT NO 04682560006090
DIRECTOR MASOOD AHMAD
MOBILE 09889377860
N Jan 17, 2011 by
User
Krishnan Hemanth Rao Personal  - Bangalore, Bangalore, Karnataka, India
 

Clarification - Personal

Sir,

In my Cibil report it shows that there was a default of Credit Card in the status written off, this type of entry has effected my credit rating.

Please clarify with which bank i have dealt so that i may clarify the same.

Thanking you,

K.Hemanth Rao

Member ID: NB66461177
N Apr 10, 2012 by
User
HDFC Bank  
 
Dear Customer,

Your concerns have been highlighted to the respective unit for resolution. We shall reply with the status within 3 working days. We appreciate your co-operation and patience in the interim.

Reference number for your complaint is TTU000431509042012. Should you have any further concerns on the same issue, kindly write back to us using this same email ID and reference number.

Regards, Customer Assistance, HDFC Bank
N Oct 1, 2012 by
User
TVKrishna  
 
Hi sir,
This is krishna applied for a HDFC personal loan Application no 2045984794.
It got rejected. i wish to know the reasons for rejection.
Kindly help, in this Regards,

Krishna

Email: krishnarayalu81@gmail.com
mobile: 7799682725
D Oct 18, 2012 by
User
pariharpushp  
 
To
The HDFC Bank,

I had used personal loan A/c no. 91802431 issued in the name and style of Mr Pushparaj Singh Parihar.
I had deposited the full and final amount at the time of surrendering the above mentioned PL along with the amount which was told by your collection agent after giving waiver on the PL.
At that particular time of the conversation, your agent he did not tell me that he will not report the settlement as “Settled” & it will be reflected somewhere in the CIBIL report status SETTLED.
As I had already deposited the said amount and settle the case, it is requested that please clarify me “why it is reflecting in the CIBIL report status as SETTLED.”
Most humbly, it is submitted that It should not be reflected like this and it is also requested that please do needful so that the CIBIL report status is clear.

Thanks Regards

Pushparaj Singh Parihar
9425007312
pariharpushp@gmail.com
N Mar 12, 2013 by
User
harishp0607  
 
To
The HDFC bank,

Dear Sir,

I applied for personal loan and have submitted the documents on 08/03/2013 which is collected by your Executive next day verification is done in my house and on 11/03/2013 verification to my office is done.

I didn't get any reply on the same so i called the customer care regarding the status and they have told that your application is rejected. (In the Morning), but afternoon your executive visited again to my house for verification.

I want to know why my application is rejected. As the executive told that i am eligible for Rs.125000/-?

My details is follows.

P Hariharan
Holding HDFC Bank Salary Account
Application No: 23908376


Need your immeduate respone.
N Aug 1, 2013 by
User
akbar.ansari  
 
To
The HDFC bank,

Dear Sir,

I applied for personal loan and have submitted the documents on 22/07/2013 which is collected by your Executive next day verification is done in my house.

I didn't get any reply on the same so i called the customer care regarding the status and they have told that your application is rejected. When asked him the reason he told me that i was applied for the personal loan in May 2007 which was rejected due to the ex-company verification. i told him my company has closed the business in 2006 only. how can u consider my previous company details and previous applied loan application status, where as i have already having A Home loan and Credit card with HDFC bank. i am very disappointing with the services and response provided by the HDFC Bank to. I am a very old customer of HDFC bank and due to some very urgent financial needs i was applied for personal loan. if you people not help me in my needs and give me UN-acceptable reason will not going to continue any form of transaction with the bank. I am now planning to transfer the my existing Home Loan to some other Bank.

I want to know why my application is rejected.

My details is follows.

Akbar Ansari
Holding HDFC Bank Salary Account
Application No: 25148286
Home Loan Account Number : 606225920


Need your immeduate respone.
N Nov 8, 2013 by
User
SALACE.CM  
 
my loan application ref no is 26160358.what is the position of this application

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    HDFC Bank Personal Loan - rejected my loan app. without any specific reason