Dewan Housing Finance Corporation Ltd — Deduction of EMI on HOme loan not disbursed

Address:

Kolkata, West Bengal

Sir, I had applied for home loan from DHFL in the month of Dec 14. On 17 Dec 14 they agreed in principal for loan sanction subject to docs verification and other conditions but the loan was not disbursed till 13 Jan 15 to me and suddenly after taking some required docs (on 19 Jan 15) the loan was disbursed on paper on 14 Jan 15. An EMI was deducted on 16 Jan 15 but presently the said EMI is not reflected in the loan statement. Queried on phone and on email on several occasions to various staff of Kolkata branch and customer care grievance cell also but all went in vain. Finally contacted branch manager also on 20 Mar 15 and 21 Mar 15 respectively. Manager responded that your one loan was disbursed in the month of Dec 14 last or Jan 15 begining itself thats why the EMI has been deducted. Further, she informed that your EMI deducted will go waist and it will not be returned. I informed that once the amount has not been disbursed to me and once enquired with the staff (Mr Ranjit Tiwari) on the subject, he informed that the money will be adjusted in the principle amount subsequently. it was not informed by the staff to me how can be EMI (Rs. 17593/-) deducted. Finally she agreed to speak to Head office on the subject. What should be my further course of action. Please help me. Query Regarding Deduction of Home Loan Code: 00041831 / File No. 00042316 Application No 01081994. Jayant Mishra [protected]