Dewan Housing Finance Corporation [DHFL] — Complaint against dhfl for fraud in case of home loan

Address:New Delhi, Delhi, 110070
Website:www.dhfl.com

This is to bring to your notice a sequence of events in which I was defrauded by DHFL's representatives and despite repeated attempts to reach out to the company I have not solicited any response to my grievances.

16/01/2016 - I had applied for a home loan vide application number 01256028. The loan got approved by DHFL and I was sent an email confirming disbursement (through raj.[protected]@dhfl.com). I was then made to sign documents as per the norm and I consented to the process and disbursement.

19/01/2016 - I was charged a loan processing fees and a pre EMI fees by DHFL which I was happy to pay as I was expecting my loan to be disbursed soon as per DHFL's email commmunication through raj.[protected]@dhfl.com and a physical sanction letter that was presented to me by Mr Manish Rathore, a representative of DHFL, employee code 09001893. I have a physical copy of the sanction letter, a copy of the sanction letter on email, a cash receipt for all the fees I paid and a banking proof of the pre EMI charges that were deducted.

27/01/2016 - I was then informed by Mr Manish Rathore that DHFL had infact cancelled the loan due to an adverse report from their lawyers in regard to the same loan.

08/02/2016 - Then, I instructed all three, Mr Manish Rathore, the Nodal Officer of DHFL and the CEO of DHFL via email to withdraw my application and refund all the fees I had been charged and also provide me a reason as to why DHFL decided to cancel the loan proceedings. The reference code for this communication provided by DHFL was FB/SR/HO/FEB16/102.

11/02/2016 - DHFL then went ahead and presented a cheque, that Mr Manish Rathore had obtained from me in bad faith, for an EMI even though the loan had never been disbursed. I had to instruct my bank to stop payment on the cheque and had to pay further fees for such instructions.

12/02/2016 - I, then received an email from satpal.[protected]@dhfl.com instructing me to pay penal charges for the EMI, on a non existent loan.

12/02/2016 - I have emailed all the parties, [protected]@dhfl.com, [protected]@dhfl.com, manish.[protected]@dhflsales.com, raj.[protected]@dhfl.com, satpal.[protected]@dhfl.com and [protected]@dhfl.com, but I am yet to receive a reply from any of them. The email communication reference provided was FB/SR/HO/FEB16/102 again.

I am yet to receive any of the documents I submitted for the loan process, any of the cheques that were obtained from me in bad faith and a refund of the fees and the pre EMI charges that were fraudulently charged.
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Dewan Housing Finance Corporation [DHFL] customer support has been notified about the posted complaint.
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Dear Mr. Labeeb Nazim,

We have forwarded your query to the concerned team for resolution and they shall revert to you within 72 hours. Alternatively you may call us on[protected] or email us at [protected]@dhfl.com.

Regards,
Team DHFL.
DHFL,

There is very very bad opinion on your finance company. i don't really how you guys are doing business.. is this the reputation you make? is it good for you? just search google.people are spitting on DHFL...? i'm really worried to take loan from you.
Dear Mr. Chouta Srikanth,

We would like to inform you that we help our customers in making right decisions and assure you for giving the best customer service.

Kindly share your contact details and our customer service team will get in touch with you to share an update on your concern.

Regards,
DHFL Team.
Dear Mr. Chouta Srikanth,

We would like to inform you that we are yet to receive your contact details.

We request you to share the details with us as this will help us to get in touch with you at the earliest to resolve the issue faced by you. Alternatively, you may call us on[protected] or email us at [protected]@dhfl.com.

Regards,
DHFL Team
Dear Mr. Labeeb Nazim,

We understand that our customer care team has looked into your query and provided the best possible resolution via email. We hope we have been able to clarify the concern raised by you.

For any other account related query you may contact our customer care team directly by sending a mail to [protected]@dhfl.com or by phone on[protected].

Regards,
DHFL Team
Dear Mr. Chouta Srikanth,

Your complaint is o[censored]tmost importance to us. However as we have not received your contact details your complaint has been closed from our end.

Kindly get in touch with our customer care team on [protected]@dhfl.com or via phone[protected] for further assistance.

Regards
DHFL Team.
Sir, we have obtained for your company home loan, who loan account no is 008712, we have personally visit for your service centre at surendranagar (Gujarat), me request for your company employee to please give my loan account statement and interest bayfarcation for first emi to last emi and me pay rs 300 charge for your company norms and we have meet after one month your service center and me request for give my loan related documents, but here members not any replied for since we have bed feeling for your company, my mony is gone and not given my loan related documents .
5 of 652

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CCDIS00877138 : Wrong communication on property loan
Inbox
x

DHFL Response
Nov 9

to me
Dear Customer,

Greetings from DHFL.

We refer your concern regarding Insurance in your Application No 01389630.

We would like to inform you that we have forwarded your complaint to the department concerned and would require some more time to process your service request.

We sincerely apologize for the inconvenience caused to you in regard and appreciate your patience.Your due date is
15/11/2017.

For further queries or clarifications, please feel free to call us at[protected] or write to us at [protected]@dhfl.com.

Looking forward to your co-operation in helping us serve you better.

Sincerely
Nisha
Customer Service, DHFL

You can now access your Loan Account Statement and IT Certificate online. Click here https://my.dhfl.com/wps/portal to login with your User ID and password.
From: sudhir singh
Sent: 07 November 2017 23:21
To: DHFL Response
Subject: Re: QRDIS00883213 : Wrong communication on property loan

Pls resolve this issue urgent basis

Otherwise I'm going to stop the EMI

On 30-Oct-2017 10:06 am, "sudhir singh" wrote:
Hi Team,

This is to keep you inform that my policy has been handled by Bilwara branch, now what is the requirement of sending documents to Jaipur Branch?

Request you to clarify the aforesaid question in order to proceed further.

On Sat, Oct 28, 2017 at 10:51 AM, DHFL Response wrote:
Dear Customer,

Thank you for writing to us.

We refer to your query regarding cancellation and refund of CHOLA MS policy.

Kindly note, Cancellation and refund request will be processed within 45 working days from the date of receipt of the physical documents as mentioned below. The refunded insurance premium would be adjusted in principle outstanding against your loan account

Request Letter

Policy Documents

Branch Address: E-3A/ 302, 4 5 & 6 - Jaipur Tower, 3rd Floor, Opp AIR, M. I. Road, Jaipur - 302001.

Customer Service Hours

Monday to Friday - 9:30 AM to 6:00 PM

Working Saturday - 9:30 AM to 2:00 PM

Branches will remain closed on 2nd and 3rd Saturday of every month.

We also refer your concern regarding Insurance amount. In this regard we would like to inform you that we have downsized your home loan and revised you sanction only for plot loan of Rs.5 Lac as requested by you and as per the policy all insurance are same as per original sanction amount on of Rs. 15 Lac. We have attached Original sanction letter and revised sanction letter for your reference.

For further queries or clarifications, please feel free to call us at[protected] or write to us at [protected]@dhfl.com.

Looking forward to many more opportunities to be of service to you.

Sincerely,
[censored]al
Customer Service Team, DHFL
You can now access your Loan Account Statement and IT Certificate online. Click here https://my.dhfl.com/wps/portal to login with your User ID and password.
From: sudhir singh
Sent: 26 October 2017 21:36
To: DHFL Response
Cc: NodalOfficer
Subject: Fwd: Wrong communication on property loan

Hi

I'm requesting you to please my closed the Chola insurance.

I have already visited DHFL branch office multiple times for this matter but there is no response from your side.
kindly resolve this issue ASAP, or else i will have to stop paying EMI from next month.


if there is no response from your side then i will be taking legal action against your company.

Please find the following details.

1. Loan Account Number: [protected]
2. Branch of Loan Account: Bhilwara
3. Name of the Loan Account holder: - Sudhir Singh
4. Mobile Number: [protected]
5. Policy number - 2156/00108551/0031/000/00

Hi

Policy number - 2156/00108551/0031/000/00
Loan agreement number - [protected]

I had a few query in regards to the loan taken, mentioned above is the loan details.

There was no communication form your team in regards to the insurance on loan amount.
As mentioned in the agreement on the loan of INR 1500000 lakhs i would have to pay INR 79563, but now i have applied for the loan of INR 500000
than the insurance amount has to be calculated as per the actual loan amount.

Note: there was no information provide about the insurance amount, this thing has to be informed by the concerned authority.

Requesting you to kindly look into this matter

--
Regards
Sudhir
[protected]

--
Regards
Sudhir
[protected]
DISCLAIMER: The contents of this e-mail and any attachment(s) are confidential and intended for the named recipient(s) only. It shall not attach any liability on the originator or DHFL or its affiliates. Any views or opinions presented in this email are solely those of the author and may not necessarily reflect the opinions of DHFL or its affiliates. Any form of reproduction, dissemination, copying, disclosure, modification, distribution and / or publication of this message without the prior written consent of the author of this e-mail is strictly prohibited. If you have received this email in error please delete it and notify the sender immediately. Before opening any mail and attachments please check them for viruses and defect.

--
Regards
Sudhir
[protected]
DISCLAIMER: The contents of this e-mail and any attachment(s) are confidential and intended for the named recipient(s) only. It shall not attach any liability on the originator or DHFL or its affiliates. Any views or opinions presented in this email are solely those of the author and may not necessarily reflect the opinions of DHFL or its affiliates. Any form of reproduction, dissemination, copying, disclosure, modification, distribution and / or publication of this message without the prior written consent of the author of this e-mail is strictly prohibited. If you have received this email in error please delete it and notify the sender immediately. Before opening any mail and attachments please check them for viruses and defect.

sudhir singh
Nov 15

to DHFL
Any updates

DHFL Response
Nov 15

to me
Dear Customer,

We value your relationship with DHFL.

We would like to inform you that we have forwarded your complaint to the department concerned and would require some more time to process your service request.

We sincerely apologize for the inconvenience caused to you in regard and appreciate your patience.You will receive the confirmation within 2 days.

For further queries or clarifications, please feel free to call us at[protected] or write to us at [protected]@dhfl.com.

Looking forward to your co-operation in helping us serve you better.

Sincerely,
Vikas
Customer Service, DHFL
You can now access your Loan Account Statement, and IT Certificate online. Click here https://my.dhfl.com/wps/portal to login with your User ID and password.

From: sudhir singh
Sent: 15 November 2017 15:14
To: DHFL Response
Subject: Re: CCDIS00877138 : Wrong communication on property loan

sudhir singh
Nov 25 (12 days ago)

to nodalofficer, DHFL
Hi Sanjiv,

How many times have I reminded you of a similar issue?

If this issue has not been resolved before 1st December 2017 I will ensure no further EMI to be paid.

if there is no response from your side then i will be taking legal action against your company.

This kind of harassment is not accepted by such a company where they emphasize on customer centricity.

sudhir singh
Nov 29 (8 days ago)

to nodalofficer, DHFL
Please update

DHFL Response
Nov 30 (7 days ago)

to me
Dear Customer,

Greetings from DHFL.

We would like to inform you that we have forwarded your complaint to the department concerned and would require to process your service request. You will receive the confirmation within 3 working days.

For further queries or clarifications, please feel free to call us at[protected] or write to us at [protected]@dhfl.com.

Looking forward to your co-operation in helping us serve you better.

Sincerely,
Manoj G
Customer Service, DHFL
You can now access your Loan Account Statement and IT Certificate online. Click here https://my.dhfl.com/wps/portal to login with your User ID and password.
From: sudhir singh
Sent: 29 November 2017 09:37
To: NodalOfficer; DHFL Response

CAN U PLEASE REPLY ANYONE i M TRYING TO LAST 3 MONTHS MONTHS BUT STILL I M SUFFERING DHFL GUYS & NODAL OFFICER ONLY MAKING FOOL
Dewan Housing Finance Corporation [DHFL] Customer Care's response, Dec 11, 2017
Verified Support
Dear Mr. sudhir singh,

We understand that our team has connected with you & has addressed your concern. Alternatively, you may call us on 1800 3000 1919 or email us at [email protected].

Regards,
DHFL Team

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