Hi, I had taken a home loan from HDFC. The file no is 600224439. When I had applied for the loan HDFC told me that the project is already approved so need to bother about any approvals. They charged me Rs 8237/- and sanctioned the loan fairly fast. But when it came to disbursement of the loan they started all the fuss. They withheld the disbursement saying the housing project is approved but the housing phase is not approved because of some documents which they need from LIC. They kept this disbursement on hold for more four months. I was promised an interest rate of 8.25% when I applied but in the meanwhile HDFC kept on increasing their interest rates. My builder also started charging me interest rates because of late payment. I asked my parents to visit HDFC office to sort out the matter. But they went from one desk to another and was told that the disbursement will be released. I waited for almost another month. But nothing happened. When I called up HDFC they kept on pointing from this person to that person. So finally I made an application to cancel the loan. Now HDFC told me that the papers are with Garia branch so the application has to be submitted to garia. When I went to garia branch they told me that the papers are with Jeevandeep branch. I was under this harrasment for another couple of weeks. When I received the cancellation email I was told that the papers are sent via courier. Nothing happened. So we had to go to jeevandeep to collect the papers. But even then on the first day they only refunded half the money and some duplicate documents. Even after that I had to go another time to get the original documents. They told me that they are deducting half the amount because they have started the disbursement of the loan. But when I called up the builder, the builder told me that the disbursement is still waiting. So basically HDFC was cheating with me and also took away 4000 of my hard earned money