[Resolved]  Home Loan — How to clear cibil report

Home Loan — High interest rate

Started loan with 8.5% interest and now charging 13.5% interest, the highest among all Banks.

Home Loan — Information required- urgent

Dear Sir,


If your bank rejects home loan against any property identified your loan borrower after paying processing fee, do you issue any letter from your bank with the reason for rejecting the loan for the particular property .

Beacuse the property owner claims all documnets are ok and not repaying the advance with out the letter. Pl revert me the possibilities of the letter of rejection. Your agent dosen't know any thing .
look for your reply asap.

Requested so many times to submit my above statement to your collection agent.But he did not hear to my words.

Home Loan — Paid loan statement

Please send account statement of loan paid up to date. (2) Statement of loan to be paid to clear up the loan.(3)Provisional statement for deduction of Tax under 24(b)&80c(2).

Home Loan — name in the CIBIL report

Dear Sir/Madam,

Recently I had applied for home loan to the PSU bank and informed me that i having two loans on my name while i am not having any loan at present. Than may i know that why my name is appearing in the CBIL report. Since I had no dues against all.

Can any one guide me how to get the detail from CBIL so that my name can be cleared from the CBIL's list.

Regards,

Vijay Raj

Home Loan — cheque submitted without permission

Dear Sir/Madam,

I had applied for a home loan for Rs.46 lacs to your office at AJC Bose Road, Kolkata on/around 25th February 2009. First of all after taking all documents (including a blank account payee cheque) and verbally confirming me a loan of 30 lacs, I received no other communication from the Bank/agent.On 5-6th March I was given a sanction letter for 30 lacs. I said that I would take 1-2 days to read all the clauses and agreement.

To my surprise my on the next day I got a call from the bank that my blank cheque had been presented by "ICICI Home loan", filling in an amount of around Rs.8300/- I did not have sufficient funds in the account and hence the cheque had to be returned. I understand that a bank of such high repute would not be indulging in malpractice so as to present my cheque without my permission.Hence I would request you to confirm to me as to who is forging my signature so as to give ICICI a go ahead to present my cheque to the bank.

You would understand that this is a blatant case of fraud and malpractise. In addition to a charge from my bank of Rs.380/- for returning the cheque I have had to suffer a loss of credibility.

Request your immediate reply and action.

FYI.. People of the bank whom I had interacted -
Agent's name - Mr.Sanjay
Account manager - Ms Moumita
I had also met credit manager - Mr. Vinay
another senior manager involved - Mr.Kaushik

Home Loan — Error in Cibil Report

Hello Sir,

Cibil Contact Number :[protected]
My Contact Number : [protected]

I have applied for personal loan with Axis Bank. They have approved the loan and completed all formalities but now they have stopped further process of disbursement. Axis bank says that there is one home loan where I stands as Co-applicant.

Below is the detail of the home loans as per cibil -
Payment History Start Date :[protected]
Payment History End Date :[protected]
Account Number : Blank
Account Type : Joint
Type : OTHER
Closed : Blank
Suit Failed : NA
High Credit : 324000
Current Balance : 288647
Overdue :
Reported :[protected]

The above record is null and void as far as my knowledge goes. But I have no clue how can I get this suspicious item removed from cibil.

Probably this might have some correlation with my father's home loan. But that was taken in 2001 and has been closed in 2008.

Can you please help me in getting my cibil history cleaned so that it reflect credit history correctly. Please feel free to contact me for any clarification or more information.


Vikas Rai
[protected]

Home Loan — disqualify for home loan without any reason

i had applied for home loan at nashik . For this I had given ICICI cheque
of Rs. 4770/- through Mr. sujit kulkarni home loan person,
as a processing fee.

yesturday i came to know throught your person the loan was not sanctioned to me.
Earlier it was told that it would take maximum 1 weeks to sanctioned the
loan. accordingly i have booked the house at pune, But it was not sanctioned without any reason, builder refuse to give the refund..
i have being the exiting customer for hdfc home loan. i alrady taken a loan in 2004 from hdfc .
why i have not been qualify this time .pl. clearify.pl. check my record also.
i have cummunicated with mr. gangalin this regard at main branch hdfc nashik.

pl. clear the thing as early as possible to procced to apply other bank.

Regards

A.R.KHAIRNAR

[protected](m)

Home Loan — legally it's there?

hi sir
i applied for home loan in DHFL mysore, loan sanctioned in dec 2008 but because of some personal problem i am not received cheque, now bank people are asking to pay the last three month interest rate. without receiving cheque interest will add or not?and legally itis there like above?if iam not pay that interest rate any problem is there for me?please respond for me as soon as possible.

Home Loan — LAC No. 354238424

Hi,

I had taken Home Loan from HDFC Bank. First they have issued the cheque for first payment. I cannot take the amount for first week. The reason is NRO account is not opened as I am NRI. They have also not issued the card to withdraw the amount. But they charged the interest amount. I asked them that I cannot use the amount you have issued for first week. So, I have requested to waive the interest for the first week. They refused and said that they cannot do anything. Banker said that we charge interest on the date of cheque issued. We never bother about the collection details. Later I received all the operations and got the amount.

I was really upset by this. Then the next incident arised.

As my father was the power holder, he called to the Bank and checked whether he can withdrew the amount of 5 lacs on start of Month. Banker responded that it can be done. But when I checked the statement occassionally on March end, 5 Lacs was disbursed and the projected interest was shown with the inclusion of 5 Lacs loan. This time, they had not issued the cheque. When I asked this query, they said that they have cancelled this transaction by mail.

If the amount is not properly disbursed as they said through cheque, then how can they show that the amount is disbursed on 02 March 2009.

For first case, Myself and my father went to HDFC Bank to get the loyal response. But we got upset only.

The procedure they follow is not correct. For first case, if account is not operatable, how can they issue the cheque. For the second case, how can the NRO account statement can show the disbursement details as of 02 March 2009 for the cheque not issued. This was revealed till 23 March 2009. Till now, I have not got any cheque from them. Also, I don't require this amount at this moment.

Could you please respond to this.

Thanks and Regards,
Haroon

Home Loan — Procrastination and harrassment

I own a flat in Kolkata and wanted to purchase a new one very close to my current flat. The building is under construction and is 80% complete as on April 30, 2009. I first approached HDFC bank in end of February, whereby I submitted bank statements, xerox copies of my investments and securities, filled up the form, and was told that I was eligible for a loan of 6, 00, 000 which was what I wanted in the first place. I was told to submitted further documentation including few original documents which was done prompty. The total property cost is 10 lac, so the remaining 4 lac was paid to the builder on getting the green signal from the bank. The orginal receipt of payment to the builder along with proof regarding the source of money were also provided. All property related documents were submitted after which we recieved the first official letter from the bank stating "To the builder, Congratulations, we will be pleased to note that Mr. Sankha Mukherjee has applied for home loan from HDFC, and please submit all the property related documents for final disbursment of the loan". This was recieved in March 18, 2009(I have the letter with me as a proof). I was also given a disbursment plan with disbursment date mentioned as March 31, 2009(I have the document as proof). They have taken away my original sale agreement, and receipt of payment to the builder. I have been to the bank on at least 24-25 occasions personally apart from making uncontable number of phone calls. Today is April 30, 2009 and I have not received the loan amount and was told that on site inspection by the bank will be conducted and after that payment will be disbursed. Builder is now giving us ultimatum. I have decided to drag the bank to the court of law with the evidence as stated above available with me

Home Loan — Heavy interest of Home Loan

I had purchase a individual home through loan of Rs.7, 50, 000 from Brila Home Finance (BHW) on September 2004 at a rate of 7.25% interest for 20 years. On this date the BHW collected 12.25% of interest from me for more than 20 years of my loan tenure. As on now other National Banks as well as other private banks charges 9% interest for home loan. But the BHW did not reduced their interest for any cause, it is rediculas and it seems that BHW cheated their customers by charging heavy loan interest of 12.5%. I hereby request you to kindly take necessary steps to cancel the BHW Finance company from our india.

Home Loan — is preclosure charges for changing the bank is illegals?

Hello,

I would like to know if prepayment charges because of transfer of home loan amount from one bank to another is illegal? I came know from internet that in one of cases, court has termed it as illegal. Request you to through light on this.

http://courtnic.nic.in/supremecourt/temp/dc%[protected]p.txt
Thanks.
Vivek

Home Loan — not any communication from the bank

dear sir
i am fail to understand why you are not sending me the home loan statement, one fine morning a person come to my place and ask me for over due payment, if my PDC exhausted, you should send me the prior intimation that i can provide you the PDC.and please inform me if any due is there on me(with proper clarification)
sandeep arora
home loan a/c No.[protected]
my address is:
sandeep arora
flat no.06 Shivam apartment, sector-15
Rohini
delhi-110089

Good Day,

I am a private loan lender by Lady Miracle, i give certified loans to serious minded individuals and company at an interest rate of 5% with total loan repayment allowed weekly monthly or yearly depending on how you can make repayments if interested email me at [protected]@msn.com. We only offer out in: Dollars, Pounds, Euro and Naira only.


FULL NAME :
AMOUNT NEEDED :
DURATION :
COUNTRY:
PHONE NUMBER:

Thanks.
Lady Miracle.

dear Mr JALAN

ICICI has people who have records of fraud and malpractice. you should appoint a lawyer and send a legal notice /consumer court /online complain to JAGO GRAHAK JAGO website. let the central ministry take charge. ask the bank guys to give you in written whether you came and signed the cheque.
dont let theses people go...


regards

dev

Home Loan — 15091091 A/c 45,000 Rs Cheque Not in clearing

Dear Sir,

mera naam chandra prakash lohar hai. meien aapke jodhpur rajasthan ki ek branch se 2, 70, 000 Rs. ka loan karwaya tha. aapke 2 cheque clearing meien aa gaye lekin ek cheque 45, 000 Rs ka fulltron india credit ke naam se banaya gaya tha. jo cheque aapne banaya us per mere fulltron ke loan a/c likh kar cheque bana diya tha. aaj 1 year hone ko aaya hai mera ye metter ka solustion nahi ho raha hai. pls i request mera ye cheque dobara bana ke forward kar de. meri fulltron india meine aaj bhi insttalment due bol rahi hai. agar ye mera metter nahi sulja to mujhe consumer form meien complain sabmit karani hogi

thanks
regards
chandra prakash lohar
loan a/c no. 15091091 for citifincial

.

Home Loan — Pre recorded message

"Hi – We're from ICICI and are sorry to hear of your experience. If you can write to us with your phone and email contact details at [protected]@icicibank.com, we'll call you and work to address your issue. Warm regards."

This is a pre-recarded massage or any one look after this. every time the same massage appears.

Tapesh Vishwakarma

Home Loan — to freeze the transactions

I have an home loan with ICICI bank Noida Sector 50 branch(LOAN NO.[protected]).for this house ownership is in the name of both my husband and mine , and now we are seperated , I put a request to bank regarding this , (i am not given any athority to any one to sell the property ),the through customer care as well as courier to bank branch .Now my ex-husband is trying to sell the property without my knowledge. please consider this letter and update , and please ensure without my knowledge and signature any transactions should not happend to tha particular asset.my contact no.[protected]

Dear Jessy,

We're sorry about the trouble. We'll contact you and work to address your issue.

Regards,
ICICI Customer Service Team.