[Resolved] Dewan Housing Finance Corporation [DHFL] — Home loan | |||||
S Sushanth Bhargavan | |||||
DHFL - Incorrect Interest Rate -SRDIS00030314: Loan Code: 00000553 Dear Team, The below trail mail will make you understand the injustice done to me. PLEASE HELP! All of the below issue I realized only when I approached DHFL for a final settlement amount. • I had opted for a variable Interest rate – which means, my interest rate will be based on the market prevailing interest rate. • DHFL’s current interest rate was 9.8% (confirmed by DHFL officer in trail mail) whereas I was being charged 14.5% at the same time. • My brother who had availed a loan around the same time with same clause was being charged 11.00% because he had approached DHFL for a loan restructuring and at that time he was charged approx. Rs. 6000 as an Interest rate conversion policy charge and his interest rate was reduced to 11.00%. • And I have been told that that I should have approached DHFL to request for an Interest rate conversion policy and they would have reduced my interest rate. MY Complaint – 1. What is the meaning of variable interest rate? I had opted for a variable interest rate because I wanted to pay interest as per the market…when the market interest rate moved up, even my interest rate was increased but when interest rate fell, DHFL didn’t reduce my Interest rate. 2. Why should I approach DHFL to avail Interest Rate conversion policy when I have already opted for variable Interest Rate. Please help me recover all my loses. Their response/ service is pathetic and when I asked for historic DHFL interest rate, they plainly refused. I request you to read the trail mail for better understanding. Was this information helpful? No (0) Yes (0) | |||||
Aug 5, 2021 Complaint marked as Resolved Dec 21, 2015 Updated by Sushanth Bhargavan Trail EmailFrom: Sushanth Bhargavan Sent: Monday, October 12, 2015 11:21 AM To: Shabanaaz Malik Zahid Cc: 'nikita.[protected]@dhflsales.com'; 'DHFL Response'; '[protected]@yahoo.com'; 'Shejal S Rane'; '[protected]@yahoo.com'; '[protected]@yahoo.com' Subject: RE: SRDIS00030314: Loan Code: 00000553 THANK YOU! I was just waiting for this response from you. Now I will handle things my way. Thanks and Regards, Sushanth Bhargavan BPR – SQ & CC +[protected] 6th Floor, HO, Commercial Bank of Dubai P.O.Box 2668, Dubai, UAE www.cbd.ae From: Shabanaaz Malik Zahid [mailto:ShabanaazMalik.[protected]@dhfl.com] Sent: Monday, October 12, 2015 11:19 AM To: Sushanth Bhargavan Cc: 'nikita.[protected]@dhflsales.com'; 'DHFL Response'; '[protected]@yahoo.com'; 'Shejal S Rane'; '[protected]@yahoo.com'; '[protected]@yahoo.com' Subject: RE: SRDIS00030314: Loan Code: 00000553 Dear Customer, With reference to below mail we have provided all relevant information. Further to this we cannot provide any data. Sorry for Inconvenience caused to you. Regards, Shabanaaz Malik Zahid (SABA) Assistant Manager - Accounts Dewan Housing Finance Corporation Ltd. Dhiraj Baug, Ground floor, Besides Axis bank, Near Hariniwas Circle, Thane (West)-400602 Tel no.[protected] Website:www.dhfl.com From: Sushanth Bhargavan To: "'Shabanaaz Malik Zahid'" Cc: "'nikita.[protected]@dhflsales.com'", "'DHFL Response'", "'Shejal S Rane'", "'[protected]@yahoo.com'", "'[protected]@yahoo.com'", "'[protected]@yahoo.com'" Date: 10/11/2015 08:31 PM Subject: RE: SRDIS00030314: Loan Code: 00000553 ________________________________________ Last Reminder…4 Thanks and Regards, Sushanth Bhargavan BPR – SQ & CC +[protected] 6th Floor, HO, Commercial Bank of Dubai P.O.Box 2668, Dubai, UAE www.cbd.ae From: Sushanth Bhargavan Sent: Monday, October 05, 2015 3:20 PM To: 'Shabanaaz Malik Zahid' Cc: 'nikita.[protected]@dhflsales.com'; 'DHFL Response'; 'Shejal S Rane'; '[protected]@yahoo.com'; '[protected]@yahoo.com'; '[protected]@yahoo.com' Subject: RE: SRDIS00030314: Loan Code: 00000553 Reminder 3 Thanks and Regards, Sushanth Bhargavan BPR – SQ & CC +[protected] 6th Floor, HO, Commercial Bank of Dubai P.O.Box 2668, Dubai, UAE www.cbd.ae From: Sushanth Bhargavan Sent: Sunday, October 04, 2015 1:58 PM To: 'Shabanaaz Malik Zahid' Cc: 'nikita.[protected]@dhflsales.com'; 'DHFL Response'; 'Shejal S Rane'; '[protected]@yahoo.com'; '[protected]@yahoo.com'; '[protected]@yahoo.com' Subject: RE: SRDIS00030314: Loan Code: 00000553 Reminder 2 Thanks and Regards, Sushanth Bhargavan BPR – SQ & CC +[protected] 6th Floor, HO, Commercial Bank of Dubai P.O.Box 2668, Dubai, UAE www.cbd.ae From: Sushanth Bhargavan Sent: Monday, September 28, 2015 1:27 PM To: 'Shabanaaz Malik Zahid' Cc: 'nikita.[protected]@dhflsales.com'; 'DHFL Response'; 'Shejal S Rane'; [protected]@yahoo.com; [protected]@yahoo.com; [protected]@yahoo.com Subject: RE: SRDIS00030314: Loan Code: 00000553 Reminder 1 Thanks and Regards, Sushanth Bhargavan BPR – SQ & CC +[protected] 6th Floor, HO, Commercial Bank of Dubai P.O.Box 2668, Dubai, UAE www.cbd.ae From: Sushanth Bhargavan Sent: Sunday, September 27, 2015 8:24 AM To: Shabanaaz Malik Zahid Cc: 'nikita.[protected]@dhflsales.com'; 'DHFL Response'; Shejal S Rane; [protected]@yahoo.com; [protected]@yahoo.com; [protected]@yahoo.com Subject: RE: SRDIS00030314: Loan Code: 00000553 Shabnaaz, After 3 Reminders, you responded the following – “We are in process of your query . We will get back to you soon with status.” Now, after 8 days you are telling me that it is different – ARE YOU FOOLING ME ???? I am not asking you case to case basis rate, sometime earlier when we spoke and I asked you the present rate for “DHFL’s Fresh Loan Interest rate (variable)”, you gave me a figure which was around 9.8% approx – I WANT A SIMILAR RATE FOR PRECEEDING YEAR DON’T FOOL ME OR PLAY WITH WORDS !!! Thanks and Regards, Sushanth Bhargavan BPR – SQ & CC +[protected] 6th Floor, HO, Commercial Bank of Dubai P.O.Box 2668, Dubai, UAE www.cbd.ae From: Shabanaaz Malik Zahid [mailto:ShabanaazMalik.[protected]@dhfl.com] Sent: Thursday, September 24, 2015 2:29 PM To: Sushanth Bhargavan Cc: 'nikita.[protected]@dhflsales.com'; 'DHFL Response'; Shejal S Rane Subject: RE: SRDIS00030314: Loan Code: 00000553 Dear Sir, With reference to below mail the information required by you (ROI) differ on case to case basis & profile of client . we have already given all relevant information regarding your loan. Regards, Shabanaaz Malik Zahid (SABA) Assistant Manager - Accounts Dewan Housing Finance Corporation Ltd. Dhiraj Baug, Ground floor, Besides Axis bank, Near Hariniwas Circle, Thane (West)-400602 Tel no.[protected] Website:www.dhfl.com From: Sushanth Bhargavan To: Shabanaaz Malik Zahid Cc: "'nikita.[protected]@dhflsales.com'", "'DHFL Response'", "[protected]@yahoo.com", "'Shejal S Rane'", "[protected]@yahoo.com" Date:[protected]:35 Subject: RE: SRDIS00030314: Loan Code: 00000553 ________________________________________ Thank You! And I hope…you are 100 percent clear about my request. Please call me for any clarity –[protected]. Thanks and Regards, Sushanth Bhargavan BPR – SQ & CC +[protected] 6th Floor, HO, Commercial Bank of Dubai P.O.Box 2668, Dubai, UAE www.cbd.ae From: Shabanaaz Malik Zahid [mailto:ShabanaazMalik.[protected]@dhfl.com] Sent: Wednesday, September 16, 2015 11:39 AM To: Sushanth Bhargavan Cc: 'nikita.[protected]@dhflsales.com'; 'DHFL Response'; [protected]@yahoo.com; 'Shejal S Rane'; [protected]@yahoo.com Subject: RE: SRDIS00030314: Loan Code: 00000553 Dear Sir, The closure amount till 25th September is Rs 917279/- (Principal 914999+ 2280 /- document retrieval charges ) Regards, Shabanaaz Malik Zahid (SABA) Assistant Manager - Accounts Dewan Housing Finance Corporation Ltd. Dhiraj Baug, Ground floor, Besides Axis bank, Near Hariniwas Circle, Thane (West)-400602 Tel no.[protected] Website:www.dhfl.com From: Sushanth Bhargavan To: Shabanaaz Malik Zahid Cc: "'nikita.[protected]@dhflsales.com'", "'DHFL Response'", "[protected]@yahoo.com", "'Shejal S Rane'", "[protected]@yahoo.com" Date:[protected]:54 Subject: RE: SRDIS00030314: Loan Code: 00000553 ________________________________________ Dear Shabnaaz, Please revert as soon as possible, as your next cutoff date is just 9 days away, 25th September. IMPORTANT: Also, can you please recalculate the final amount and update me now, I will keep the cheques ready. Thanks and Regards, Sushanth Bhargavan BPR – SQ & CC +[protected] 6th Floor, HO, Commercial Bank of Dubai P.O.Box 2668, Dubai, UAE www.cbd.ae From: Shabanaaz Malik Zahid [mailto:ShabanaazMalik.[protected]@dhfl.com] Sent: Wednesday, September 16, 2015 11:16 AM To: Sushanth Bhargavan Cc: 'nikita.[protected]@dhflsales.com'; 'DHFL Response'; [protected]@yahoo.com; 'Shejal S Rane'; [protected]@yahoo.com Subject: RE: SRDIS00030314: Loan Code: 00000553 Dear Sir, We are in process of your query . We will get back to you soon with status. Regards, Shabanaaz Malik Zahid (SABA) Assistant Manager - Accounts Dewan Housing Finance Corporation Ltd. Dhiraj Baug, Ground floor, Besides Axis bank, Near Hariniwas Circle, Thane (West)-400602 Tel no.[protected] Website:www.dhfl.com From: Sushanth Bhargavan To: "'Shabanaaz Malik Zahid'" Cc: "'nikita.[protected]@dhflsales.com'", "'DHFL Response'", "'Shejal S Rane'", "[protected]@yahoo.com", "[protected]@yahoo.com" Date:[protected]:07 Subject: RE: SRDIS00030314: Loan Code: 00000553 ________________________________________ REMINDER 3 Thanks and Regards, Sushanth Bhargavan BPR – SQ & CC +[protected] 6th Floor, HO, Commercial Bank of Dubai P.O.Box 2668, Dubai, UAE www.cbd.ae From: Sushanth Bhargavan Sent: Tuesday, September 15, 2015 8:27 AM To: Shabanaaz Malik Zahid Cc: nikita.[protected]@dhflsales.com; DHFL Response; Shejal S Rane; [protected]@yahoo.com; [protected]@yahoo.com Subject: RE: SRDIS00030314: Loan Code: 00000553 REMINDER 2 Thanks and Regards, Sushanth Bhargavan BPR – SQ & CC +[protected] 6th Floor, HO, Commercial Bank of Dubai P.O.Box 2668, Dubai, UAE www.cbd.ae From: Sushanth Bhargavan Sent: Monday, September 14, 2015 10:54 AM To: 'Shabanaaz Malik Zahid' Cc: 'nikita.[protected]@dhflsales.com'; 'DHFL Response'; 'Shejal S Rane'; [protected]@yahoo.com; [protected]@yahoo.com Subject: RE: SRDIS00030314: Loan Code: 00000553 Reminder 1 Thanks and Regards, Sushanth Bhargavan BPR – SQ & CC +[protected] 6th Floor, HO, Commercial Bank of Dubai P.O.Box 2668, Dubai, UAE www.cbd.ae From: Sushanth Bhargavan Sent: Tuesday, September 08, 2015 9:20 AM To: 'Shabanaaz Malik Zahid' Cc: 'nikita.[protected]@dhflsales.com'; 'DHFL Response'; 'Shejal S Rane'; [protected]@yahoo.com; [protected]@yahoo.com Subject: RE: SRDIS00030314: Loan Code: 00000553 Dear Shabnaaz, My request was very simple but what you have provided is MISLEADING/COMPLEX. My REQUIREMENT - historic rate for “DHFL’s Fresh Loan Interest rate (variable)”, refer mail dated - Tuesday, August 25, 2015 8:37 AM I don’t think above requirement is tough to understand! Thanks and Regards, Sushanth Bhargavan BPR – SQ & CC +[protected] 6th Floor, HO, Commercial Bank of Dubai P.O.Box 2668, Dubai, UAE www.cbd.ae From: Shabanaaz Malik Zahid [mailto:ShabanaazMalik.[protected]@dhfl.com] Sent: Tuesday, September 08, 2015 8:52 AM To: Sushanth Bhargavan Cc: nikita.[protected]@dhflsales.com; DHFL Response; Shejal S Rane Subject: RE: SRDIS00030314: Loan Code: 00000553 Dear Sir, As per your requirement kindly find the details. Regards, Shabanaaz Malik Zahid (SABA) Assistant Manager - Accounts Dewan Housing Finance Corporation Ltd. Dhiraj Baug, Ground floor, Besides Axis bank, Near Hariniwas Circle, Thane (West)-400602 Tel no.[protected] Website:www.dhfl.com From: Sushanth Bhargavan To: Shabanaaz Malik Zahid Cc: "nikita.[protected]@dhflsales.com", DHFL Response, Sathish Bhargavan, Shejal S Rane, "[protected]@yahoo.com" Date:[protected]:00 Subject: RE: SRDIS00030314: Loan Code: 00000553 ________________________________________ Reminder 1 Thanks and Regards, Sushanth Bhargavan BPR – SQ & CC +[protected] 6th Floor, HO, Commercial Bank of Dubai P.O.Box 2668, Dubai, UAE www.cbd.ae From: Sushanth Bhargavan Sent: Wednesday, September 02, 2015 9:41 AM To: 'Shabanaaz Malik Zahid' Cc: 'nikita.[protected]@dhflsales.com'; 'DHFL Response'; 'Sathish Bhargavan'; 'Shejal S Rane'; [protected]@yahoo.com Subject: RE: SRDIS00030314: Loan Code: 00000553 Awaiting your response. Thanks and Regards, Sushanth Bhargavan BPR – SQ & CC +[protected] 6th Floor, HO, Commercial Bank of Dubai P.O.Box 2668, Dubai, UAE www.cbd.ae From: Sushanth Bhargavan Sent: Monday, August 31, 2015 4:14 PM To: 'Shabanaaz Malik Zahid' Cc: nikita.[protected]@dhflsales.com; DHFL Response; Sathish Bhargavan; Shejal S Rane; [protected]@yahoo.com Subject: RE: SRDIS00030314: Loan Code: 00000553 Dear Shabnaaz, Noted! And, you didn’t answer my below query: • You can provide me in any format, I just need Date and corresponding Rates. Thanks and Regards, Sushanth Bhargavan BPR – SQ & CC +[protected] 6th Floor, HO, Commercial Bank of Dubai P.O.Box 2668, Dubai, UAE www.cbd.ae From: Shabanaaz Malik Zahid [mailto:ShabanaazMalik.[protected]@dhfl.com] Sent: Monday, August 31, 2015 3:44 PM To: Sushanth Bhargavan Cc: nikita.[protected]@dhflsales.com; DHFL Response; Sathish Bhargavan; Shejal S Rane Subject: RE: SRDIS00030314: Loan Code: 00000553 Dear Sir, With reference to below mail if you close your loan in month of September either on 1st or on 25 th the Emi of September month will be charged to you. We accept only CTS 2010 standard cheque. Regards, Shabanaaz Malik Zahid (SABA) Assistant Manager - Accounts Dewan Housing Finance Corporation Ltd. Dhiraj Baug, Ground floor, Besides Axis bank, Near Hariniwas Circle, Thane (West)-400602 Tel no.[protected] Website:www.dhfl.com From: Sushanth Bhargavan To: Shabanaaz Malik Zahid Cc: "nikita.[protected]@dhflsales.com", DHFL Response, Sathish Bhargavan, Shejal S Rane Date:[protected]:46 Subject: RE: SRDIS00030314: Loan Code: 00000553 ________________________________________ Reminder 1 Thanks and Regards, Sushanth Bhargavan BPR – SQ & CC +[protected] 6th Floor, HO, Commercial Bank of Dubai P.O.Box 2668, Dubai, UAE www.cbd.ae From: Sushanth Bhargavan Sent: Tuesday, August 25, 2015 4:36 PM To: 'Shabanaaz Malik Zahid' Cc: 'nikita.[protected]@dhflsales.com'; 'DHFL Response'; 'Sathish Bhargavan'; 'Shejal S Rane' Subject: RE: SRDIS00030314: Loan Code: 00000553 Awaiting your response. Thanks and Regards, Sushanth Bhargavan BPR – SQ & CC +[protected] 6th Floor, HO, Commercial Bank of Dubai P.O.Box 2668, Dubai, UAE www.cbd.ae From: Sushanth Bhargavan Sent: Tuesday, August 25, 2015 2:10 PM To: 'Shabanaaz Malik Zahid' Cc: nikita.[protected]@dhflsales.com; DHFL Response; Sathish Bhargavan; Shejal S Rane Subject: RE: SRDIS00030314: Loan Code: 00000553 Dear Shabnaaz, • You can provide me in any format, I just need Date and corresponding Rates. • So, if I pay you on 1st of September, will you still charge me a full month interest? Actually, I don’t have the CTS 2010 STANDARD cheque book, my brother went to bank this morning to check and he is been informed that it will take atleast 5 days for receiving the cheque book. Is it possible for you to accept the cheque and late I replace the cheque, may be within next 5 working days? Thanks and Regards, Sushanth Bhargavan BPR – SQ & CC +[protected] 6th Floor, HO, Commercial Bank of Dubai P.O.Box 2668, Dubai, UAE www.cbd.ae From: Shabanaaz Malik Zahid [mailto:ShabanaazMalik.[protected]@dhfl.com] Sent: Tuesday, August 25, 2015 2:04 PM To: Sushanth Bhargavan Cc: nikita.[protected]@dhflsales.com; DHFL Response; Sathish Bhargavan; Shejal S Rane Subject: RE: SRDIS00030314: Loan Code: 00000553 Dear Sir, We have already clarified your query in below mail conversation, please refer that Regarding loan closure, As 25 th is last date after that we dont accept any closure payment till 30/ 31 st . For the rates which your have mentioned we cannot provide you on the below mentioned format. Regards, Shabanaaz Malik Zahid (SABA) Assistant Manager - Accounts Dewan Housing Finance Corporation Ltd. Dhiraj Baug, Ground floor, Besides Axis bank, Near Hariniwas Circle, Thane (West)-400602 Tel no.[protected] Website:www.dhfl.com From: Sushanth Bhargavan To: Shabanaaz Malik Zahid Cc: "nikita.[protected]@dhflsales.com", DHFL Response, Sathish Bhargavan, "ShejalSRane/[protected]@rly71e.srv.mailcontrol.com" Date:[protected]:17 Subject: RE: SRDIS00030314: Loan Code: 00000553 ________________________________________ Awaiting your response for Historical rates. Also, will you be charging me a full months interest if I pay you by 30th August 2015 ? Thanks and Regards, Sushanth Bhargavan BPR – SQ & CC +[protected] 6th Floor, HO, Commercial Bank of Dubai P.O.Box 2668, Dubai, UAE www.cbd.ae From: Sushanth Bhargavan Sent: Tuesday, August 25, 2015 11:08 AM To: 'Shabanaaz Malik Zahid' Cc: 'nikita.[protected]@dhflsales.com'; 'DHFL Response'; 'Sathish Bhargavan'; 'ShejalSRane/[protected]@rly71e.srv.mailcontrol.com' Subject: RE: SRDIS00030314: Loan Code: 00000553 Awaiting your response! Thanks and Regards, Sushanth Bhargavan BPR – SQ & CC +[protected] 6th Floor, HO, Commercial Bank of Dubai P.O.Box 2668, Dubai, UAE www.cbd.ae From: Sushanth Bhargavan Sent: Tuesday, August 25, 2015 8:37 AM To: 'Shabanaaz Malik Zahid' Cc: nikita.[protected]@dhflsales.com; DHFL Response; Sathish Bhargavan; ShejalSRane/[protected]@rly71e.srv.mailcontrol.com Subject: RE: SRDIS00030314: Loan Code: 00000553 Dear Shabnaaz, Please provide Historical rates too. PLEASE DON’T DELAY. Date DHFL’s Fresh Loan Interest rate (variable) 1st May 2009 1st Jan 2010 1st Jul 2010 1st Jan 2011 1st Jul 2011 1st Jan 2012 1st Jul 2012 1st Jan 2013 1st Jul 2013 1st Jan 2014 1st Jul 2014 1st Jan 2015 1st Jul 2015 Thanks and Regards, Sushanth Bhargavan BPR – SQ & CC +[protected] 6th Floor, HO, Commercial Bank of Dubai P.O.Box 2668, Dubai, UAE www.cbd.ae From: Shabanaaz Malik Zahid [mailto:ShabanaazMalik.[protected]@dhfl.com] Sent: Tuesday, August 25, 2015 8:34 AM To: Sushanth Bhargavan Cc: nikita.[protected]@dhflsales.com; DHFL Response; Sathish Bhargavan; ShejalSRane/[protected]@rly71e.srv.mailcontrol.com Subject: RE: SRDIS00030314: Loan Code: 00000553 Good morning Sir, The Roi for fresh loan as per today market is 9.90% . Regards, Shabanaaz Malik Zahid (SABA) Assistant Manager - Accounts Dewan Housing Finance Corporation Ltd. Dhiraj Baug, Ground floor, Besides Axis bank, Near Hariniwas Circle, Thane (West)-400602 Tel no.[protected] Website:www.dhfl.com From: Sushanth Bhargavan To: Shabanaaz Malik Zahid Cc: "nikita.[protected]@dhflsales.com", DHFL Response, Sathish Bhargavan, "Shejal_S._Rane " Date:Mon, 10 Aug, 2015 at 3:25 pm Subject:SRDIS00030314: Loan Code: 00000553 DearSir, Greetingsof the Day ! LoanApplication No. 00574815 ServiceRequest No. SRDIS00030314 Further to your below mail please find attached Repayment Schedule for your reference. Warm regards, Geeta Customer Care, DHFL [protected] -----sushanth bhargavan < [protected]@yahoo.com> wrote: ----- To: " [protected]@dhfl.com" From: sushanth bhargavan < [protected]@yahoo.com> Date: 07/27/2015 06:50PM Subject: Loan Code: 00000553 HI, Please send me the amortization sheet for the subject loan code. Name of Borrower: Sushanth Bhargavan Name of Co-Applicant: Sathish Babu Bhargavan You may contact me on the following no.[protected] keep smiling & keep mailing, Sushanth M[protected] | |||||
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![Dewan Housing Finance Corporation [DHFL] Phone](/img/bn/phone.svg "Dewan Housing Finance Corporation [DHFL] Phone"){kind=small}
+91 22 6600 6999
+91 22 6106 6800
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201, 2nd Floor, Vipul Agora, M G Road, Gurgaon, Haryana, India - 12200
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.