[Resolved]  HDFC Bank Personal Loan — Not accepting to close (Pre closer)

Address:

Bangalore, Karnataka

Dear Sir/Madam

I would like to tell you that no bank will provide loan sanction letter before getting loan; if you are mentioning about sanction letter after getting loan, then, I am not eligible for the amount I require to purchase, due to this personal loan (EMIs)...
When I spoke to your official and told about this, I was asked for Agreement photocopy. As per the discussion, I went ahead and made agreement. If you mean it doesn't have any value, then you mean Bond paper doesn't have any value in India?
Apart from this I need not have to fool you people by telling I am buying house, as its just 3 more months to complete 12months of EMIs.
I was not allowed to talk to HDFC manager (Indiranagar branch, Bangalore) in person regarding my problem.
I have been requesting everyone in HDFC from almost a month now and I realise now that I have been fooled and made to commit a big time mistake of making agreement of 2lakhs rupees by wrong instruction, which I may have to loose.
Its frustrating that though I am ready to pay 3 EMIs together and then loan amount+penalty, I am not allowed to do so. I am not eligible for housing loan due to this. Every rule has an exception, But I wonder you don't have any exception!!
In future I would not make any mistake of taking any loan from HDFC for the least understanding from the team...
I would even suggest my friends and consumer forum not to commit this mistake and share about the problems, inconvenience, that I had to face...

TAKE HOME MESSAGE: "U CAN MEET CM OF YOUR STATE, BUT CAN NEVER MEET HDFC BRANCH MANAGER IN PERSON"

THANKS A LOT FOR MAKING ME WAIT FOR ONE WHOLE WEEK FOR THIS REPLY...

Deepashri K.M.
Scientist
Connexios Life Sciences
Bangalore


On Tue, Aug 2, 2011 at 5:40 PM, <Response.[protected]@hdfcbank.com> wrote:
Dear Customer,

Further to our below response, we understand that you have provided a photocopy of the sale agreement to our official. However, your request for foreclosure of the loan prior to twelve months shall be allowed as a special case if you provide us with a photocopy of your home loan sanction letter .

Kindly contact our official Mr. Swaroop Hegde on [protected] in order to hand-over the photo copy of the Sanction Letter.

Warm Regards,
Tejali M.
Customer Service Manager (Chairman & MD Cell)
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013


From:
Response-Escalatedcomplaints/Quality Initiative Group/KamalaMills/HBL

To:
[protected]@gmail.com

Date:
08/02/2011 03:18 PM

Subject:
APW[protected]MN


Dear Customer ,

We acknowledge the receipt of your email dated 31st July 2011 received at our Corporate office seeking closure of your Personal loan with us.

We draw your attention to our response dated 23rd July 2011, where we have requested you to provide a photocopy of the Sanction Letter of your Home Loan with Corporation Bank.

On receipt of this copy we shall be able to review this further.

Assuring you of our support at all times.

Warm Regards,
Tejali M.
Customer Service Manager (Chairman & MD Cell)
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013



Re: APW[protected]MN

Deepashri K.M. Rao
to:
managingdirector
07/31/2011 09:17 PM


Cc:
Response.Escalatedcomplaints





Dear Swati,

As per the discussion with your official Swaroop Hegde, I had sent a scanned copy of home agreement on June 26th. He has forwarded it to his higher officials, but till now they have not reverted back to him. So I have not received any response. I need to close the loan and apply for the home loan. I have only 2months of time to get it registered from the date of agreement. Also I have spent 2 lakhs for agreement, so as to provide you for proof, which I might have to loose in case of delay. Please help me to close the loan as soon as possible. I obtained the personal loan from HDFC within 2days and I look forward for the same kind of service from your team. I request you to kindly look into this issue and help me out at the earliest.

Thanks
Deepashri K M

On Sat, Jul 23, 2011 at 2:58 PM, <Response.[protected]@hdfcbank.com> wrote:
Dear Customer ,

This is in reference to your email dated 20th July 2011 addressed to our Senior Management regarding foreclosure of your Personal loan account .

The matter has been investigated and our advice is provided hereunder:

We understand that you wish to close your Personal Loan with us in order to avail a Home Loan facility with Corporation Bank.

As per your discussion with our official Mr. Swaroop Hegde from Personal Loan division, kindly provide us with a photo copy of the Sanction Letter of your Home Loan with Corporation Bank.

Kindly contact our official Mr. Swaroop Hegde on [protected] in order to hand-over the photo copy of the Sanction Letter.

Assuring you our best services.


Warm Regards,
Swati G.
Customer Service Manager (Chairman & MD Cell)
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013.



From:
<[protected]@gmail.com>

To:
<[protected]@hdfcbank.com>

Date:
07/20/2011 09:41 PM

Subject:
Customer Complaint/Query/Feedback/Suggestion addressed to Mr. Aditya Puri


Customer Name : Deepashri K M
Residence/Office No : - -
Mobile No : [protected]
E-Mail Id : [protected]@gmail.com
Are you an HDFC Bank Customer? : Yes
Relation with the Bank : Loan Customer
Account / Credit Card / Loan Account No. / Customer ID : 17563522
Complaint/Query/Feedback/Suggestion : Sir, I had taken personal loan and I was informed I can close after 6 EMIs. I have already paid 9 EMIs, but now I''m told it has been changed to 12 EMIs. I am not allowed to talk about my problem to branch manager (Indiranagar, Bangalore)by other officials. I wanted to take housing loan and I have to close all my existing loans.I wanted to avail other services, but with these kinds of problems, I feel frustrating. I expected better service and understanding from HDFC. But I feel bad for this kind of helpless nature. I kindly request you to help me in this regard and allow me for preclosure at the earliest.
Escalated earlier : Yes
Channel : Branch